SUFFiciENcy EcONOMy ANd GRASSROOtS DEvElOPMENt

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292 The Meaning of Sufficiency Economy International Conference It is observed that the poor members of groups under study have benefited more in terms of improvement in asset, loans for meeting emergency needs etc. Members of ‘non poor ’ category have realized benefits more in terms of improvement in asset followed by redemption of debt and other purposes. Regarding the tangible result 48.13% of the women in the study area have created income yielding asset. They are able to improve the economic conditions of the family by creating assets like goat, sheep, poultry, milch animal, coir making machines, leather stitching machines etc. The details can be had from the following table. Table – 6 Benefits to Members Sl. No. Category Poor members Others Total 1. Improvement in asset 78 (35.94) 115 (62.50) 193 (48.13) 2. Improvement in food intake 91 (41.94) - 91 3. Improvement in education 13 (5.99) 4. Redemption of debt 17 (7.84) 5. Loans for meeting emergency needs 18 (8.29) 21 (11.41) 39 (21.20) 9 (4.89) 34 (8.48) 56 (13.97) 27 (6.73) Total 217 (100.00) 184 (100.00) 401 (100.00) Source: Field Survey. Note: Figures within parenthesis indicate percentages. Perusal of Table – 6 reveals that in the case of poor members 35.94% of the members have created assets as against 62.5% in the case of ‘non – poor’ members. Apart from asset creation, the loan have also been used for education of children, redemption of old – debt and for meeting emergency needs like medical expenses, marriage expenses, social function, cloth purchase, purchase of household articles, funeral expenses, redeeming of gold jewels, payment of electricity bills, etc. It is found that while 48.13% of the total loans were utilized for production purposes and the rest 51.47% for consumption purposes. For consumption purposes that amount of loan ranged from Rs.150 to 1,200 while the production loans ranged from Rs.1,800 to 8,000/-.
The Meaning of Sufficiency Economy International Conference 293 Impact of Microfinance-Plus Services Poverty has many dimensions and can be related to individuals, households, communities, regions and countries. It encompasses many areas, such as food insecurity, malnutrition, illiteracy, ill health, and the lack of entitlements and empowerment. The improvement (combating against poverty) in these aspects of life will lead to welfare of the household. A positive impact of microfinance may be a better education or nutritional status (human capital); accumulation of productive and consumptive assets (Physical capital); female empowerment, development and network with the local organizations, spatial mobility of the women, etc. (social capital). The economic impact of microfinance-plus services on the member households was assessed through the changes in economic variables like – household income, employment, assets, housing conditions and household expenditures, etc. Table – 7 Impact of SHG Loan on Employment Status Sl. No. Particulars SHGs – NGOs H.D.Kote SHGs – NGOs of K.R.Nagar SHGs – NGOs Mysore Total 1. Unemployment to self – employment 2. Wage employment to self – employment 3. Expansion in employment 4. No Change in employment position 13 14 24 51 (12.72) 14 15 11 40 (9.98) 33 20 57 100 (27.42) 40 46 114 200 (49.88) Total 100 95 206 401 (100.00) Source: Field data Note: Figures given in parenthesis indicate percentage.
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SUFFiciENcy EcONOMy ANd GRASSROOtS DEvElOPMENt

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