Study the cash credit loan status in village SHGS and reasons behind less disbursement : With Guj. Govt. Rural Development Department - Gujarat Livelihood Promotion
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Date
2024
Journal Title
Journal ISSN
Volume Title
Publisher
MICA
Abstract
Upon completion of our field visits and interviews, we found that there is a lack of trust between the villagers and banks. Though some villagers have organised themselves in Mandalis (Kisaan and Mahila SHGs), they are unable to have a smooth financial experience due to animosity between the parties as well as a lack of knowledge and awareness.
Banks are sceptical about providing loans and believe that most villagers default. Villagers feel that they have a lack of access to loans, especially when they are not a farmer or have a stable income.
Hence, awareness and accessibility both were seen as key issues that the villagers faced. The same will be explained in further detail ahead.
Description
Rural Immersion Report- City : Santalpur, District: Patan, State: Gujarat
Keywords
Self-Help Group, loan credit, farmer of villagers