BIBLIOGRAPHY - Shodhgangashodhganga.inflibnet.ac.in/bitstream/10603/37160/1/bibliography.pdf · Rural Tamil Nadu,‖ in Kamta Prasad ... M., and Rajeshwari, G., ... A Novel Approach

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BIBLIOGRAPHY

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Please purchase PDF Split-Merge on www.verypdf.com to remove this watermark.

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REPORTS

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Participation and Employment of the Women: Myths and the Reality‖,

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Women’s Financial Decision making within the House hold‖, Unpublished PhD

dissertations, The University of Guelph, Canada.

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x

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Bangladesh‖, Paper delivered at Asia and Pacific Forum on Poverty: Reforming

Policies and Institutions for Poverty Reduction held by the Asian Development

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Gender Equity‖ - A Discussion Paper, For Strategic Policy and Planning

Division, Asia Branch, CIDA, June 12, 1997.


INTERVIEW SCHEDULE

A. PERSONAL DATA

1. Name :

2. Village :

3. Age : Below 20 years 21 - 30 years

31 - 40 years 41 - 50 years

51 - 60 years above 60 years

4. Educational Qualification : Primary Education

Middle School

High School

Diploma

Higher Secondary

Graduation

Illiterate / No formal education

Others, please specify __________

5. Marital status : Unmarried Married

Divorced Separated

Widowed

6. Type of family : Joint family Nuclear family

7. Number of members Upto 2 3

in the family : 4 5

More than 5 members

8. Monthly family income : Below 5,000

( in Rs) 5,000 - 10,000

10,000 - 15,000

15,000 - 20,000

Above 20,000

9. Prime Earning Member Self

of the family : Spouse

Children

Others, Please specify _________


B. BACKGROUND INFORMATION OF SELF HELP GROUP

10. Name of the group ________________________

11. Name of the NGO with which the Group is associated_________________

12. Panchayat Union : ________________________

13. Number of years as member

in Self Help Group : _______________________

14. Total number of members in the SHG: _______

15. Position of the Respondent

in the group : Member Representative Animator

16. Members’ subscription per month : Rs.______________

17. Please rank the reasons for joining the Self Help Group

( Please rank as 1,2,3,…….8 )

Reasons for joining Rank

To repay old debts

To meet domestic expenditure

To promote savings

To raise status in society

To support family

To avail loan

To get an employment

Due to neighbour’s/relatives pressure

C. INVESTMENT PATTERN ( ENTREPRENEURSHIP ACTIVITIES )

18. Are you involved in any Income Generating Activity (IGA)? Yes/No

19. If yes, for how many years you are doing this business? ____________

20. Nature of Business : Soletrader Partnerhip

21. Type of activity : Trading Manufacturing

Service Agriculture

22. Please mention your business activity _________________________

23. Do you have any previous experience? Yes / No


24. Have you undergone any training? Yes / No

If yes, who gave you the training?

a. NGO b. Government c. Educational Institutions

25. Reason for carrying out this business? (Please Rank)

1. Experience □

2. Training □

3. Bank loan □

4. NGO’s support / motivation □

5. Government incentives □

6. Family business □

7. Easy availability of all required materials □

8. Selling is convenient □

9. Required facilities are available □

26. Amount invested in business: Own Savings Rs.________

Borrowings from Group Rs. ______

External Borrowings from Rs. ______

27. What is the total monthly income

from your business? : Upto Rs. 2,000 Rs. 2,000 – 3,000

Rs. 3,000 – 4,000 Rs. 4,000 – 5,000

Above Rs. 5,000

28. Profit percentage from your investment : ______________

29. What do you do with the income from the business?

% _____________ reinvested

% ______________ repayment of loan

% ______________ for domestic expenses

% ______________ savings

30. Information regarding assets creation :

S. No Assets

1 Land and building

2 Machinery

3 Furniture and household equipment

4 Livestock

5 Ornaments (like gold)


D. LOAN PATTERN

31. Have you availed any loan from the group? Yes No

32. What is the purpose for availing loan?

a. Doing business b. Family requirements c. Other reasons

33. Details of loan availed

S. No Particulars Details

1 Loan amount received (Rs.)

2 Rate of Interest (%)

3 Loan amount repaid so far (Rs)

4 Total installments (No.)

5 Instalments to be paid (No.)

6 Defaults (No of installments)

7 Fine (Rs.)

34. Have you made any default in repayment? : Yes No

35. If yes, please specify the reasons : No sufficient income

Loss in business

Due to medical/emergency expenses

Children education

Spent for family

Others, please specify __________

E. SAVINGS PATTERN (out of money saved from business)

36. How much you save per month (approximately): Rs.______________

37. How much you have saved so far (approximately): Rs._____________

38. What is/are the main purpose of saving?

Reasons Rank

To meet domestic expenses

For children education

To meet medical expenses

To purchase assets

To repay the debts

39. How do you pay your savings and subscription amount?

Mode of payment Rank

Savings from family income

Curtailing the expenditure

Saving from own business income

Provided by family members


F. IMPACT OF MICRO-CREDIT ON SHG MEMBERS

40. Impact of members after joining Self Help Group

Please record your views for the following statements by putting a tick ( √ ) mark in the

appropriate column.

( SA – Strongly Agree, A- Agree, N-Neutral, DA- Disagree, SDA- Strongly Disagree)

Factors of Impact Before joining SHG After joining SHG

SA A N DA SDA SA A N DA SDA

SELF-DEVELOPMENT

1) Addition to your education and

managerial skills

2) Increase in self-confidence and self-

respect

3) Enhanced role in decision-making

4) Ability to express opinions freely

5) Increase in bargaining power

6) Access to health care and

environmental awareness

FAMILY LEVEL

1) Increase in adoption of Household

infrastructure and household purchases

2) Awareness on education of children

3) Awareness on fertility issues, family

planning methods

4) Role in household decision-making

5) Better recognition from family

6) Increase in Standard of living

ECONOMIC IMPACT

1) Increase in Income

2) Increase in Savings

3)Ability to make decision regarding

amount of loan

4) Better control of use of credit

5) Effective use of income generated

6) Better access to Government

Schemes

SOCIO-POLITICAL IMPACT

1)Ability to participate in meetings of

local bodies (panchayats, gramsabhas)

2) Action on social issues ( dowry,

alcoholism,infanticide,domestic violence)

3) Role in community development

activities

4) Participation in religious celebrations

5) Awareness on environment

6) Respect/Recognition in the society


G. Constraints in micro finance 41. Constraints faced by you as a member of SHG?

Constraints Very

High

High Average/

Medium

Low Very

Low

PERSONAL CONSTRAINTS

Lack of formal education

Lack of time

Lack of interest and encouragement

Criticism by family members

Lack of freedom to take decision

More attention to family / children

Lack of leadership skills

Due to health problems

SOCIAL CONSTRAINTS

Criticism by non-members of SHG

Criticism by bank employees

Outsiders intervention / interference

Social disturbances (Strikes, riots etc)

Harassment from men

BUSINESS RELATED CONSTRAINTS

Delay in getting loans

Lack of funds

Non availability of raw materials/Increase in

raw material price

Difficulty in marketing of products

Non co-operation among group members

Competition

ECONOMIC CONSTRAINTS

Lesser Income

Inadequate loan amount

Customers reluctance to buy the product

Lack of financial knowledge

Product has no market

Cumbersome procedures in getting loans

TECHNICAL CONSTRAINTS

Lack of skills to handle the implements

Non availability of spare parts / components

Power-cuts

Lack of training

Unaware of technology

42. Any other suggestions, please specify_____________________________________

______________________________________________________________________

______________________________________________________________________


A. GENERAL INFORMATION (

1. :

2. :

3. : 20 21 - 30

31 - 40 41 - 50

51 - 60 60

4. :

5. :

6. :

7.

: 2 3

4 5

5

8.

: 4,000

4,000 - 6000

6,000 - 8,000

8,000 - 10,000

10,000

9.

:


B.

10. : ________________________

11.

________________________

12. : ________________________

13.

: _______________________

14. : _______

15. :

16. ______________

17.

( 1,2,3,…….8

C.

18.

19. : _____________

20. :

21. :

22. _________________________

23. :


24.

1.

2.

3.

4.

5.

6.

7.

8.

9.

25.

26. : ____________

____________

___________

27. : 2,000 2,000– 3,000

3,000 – 4,000 4,000 – 5,000

5,000

28.

: ______________

29.

% _____________

% ______________

% ______________

%______________

30.

1

2

3

4

5


D. 31. : ______________

32. : ______________

33.

34.

E.

35.

36. :

37.

1

2

3

4

5

6

7

38

39. :


F.

40.


G. 41.

42. _____________________________________

______________________________________________________________________

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BIBLIOGRAPHY - Shodhgangashodhganga.inflibnet.ac.in/bitstream/10603/37160/1/bibliography.pdf · Rural Tamil Nadu,‖ in Kamta Prasad ... M., and Rajeshwari, G., ... A Novel Approach

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