Role of Self Help Groups (SHGs) in poverty alleviation and micro-entrepreneurship of women in Bishnah block of Jammu district

Kavita Suri


Women are amongst the poorest and the most vulnerable population of our society. They are not able to reap the benefits of the various developmental schemes launched by the government for their betterment. For raising their socio-economic conditions, the scheme of Self Help Groups was started many years ago in India. In various parts of the country, Self-Help Groups, which are an informal association of women in any rural or semi-urban area, are working very well with the objective of empowering women economically, socially, politically, institutionally and spiritually. Thousands of the women in India are building their lives, their families and their society through Self help groups.  The broad goals of a self-help group are to bring about socio-economic change in the lives of its members and society. In Jammu and Kashmir, under the Ministry of Rural Development, Government of India, a scheme of starting SHGs for women of the border state was stated under the name  ‘JKNRLM-Umeed’ in 2011.


The present research paper seeks to explore if the JKNRLM-Umeed is working to empower women by providing finance to them and making the women self-dependent. The paper would also analyze this scheme and the provision of micro-finance facility to the poor women who need it and its economic impact of the working of SHG and its members. The study would also find out if the scheme is helping in the reduction of poverty among women by providing small loan to them for some entrepreneurial activity. The paper would try to understand how the rural women are making themselves self dependent by getting some financial support to earn their livelihood and lead a better life.


Self-help groups, empowerment, poverty alleviation, micro-entrepreneurship etc.

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