Dr. Vineet and Prem Kumar
The study found that self-help group members in rural areas faced various problems, including administrative, financial, marketing, and problems with the self-help groups themselves, as well as social and family problems. The National Rural Livelihood Mission (NRLM) and Gram Panchayat, Banks, and Non-Governmental Organizations (NGOs) are key players in the program, but they have limitations in providing training for income-generating activities, marketing skills, and maintaining account records. The study found that members were not satisfied with traditional activities such as tailoring, dairy, and agriculture, and had difficulty earning enough money from them. Many members had not received skill development training. The study also found that self-help group members faced non-cooperation by government employees, specifically bank employees, who were disinterested in providing necessary documents and showing reluctance towards working with rural women. Additionally, members reported difficulty in obtaining loans from the bank, delays in credit facilities and perceived the interest rate as high. The study suggests that social mobilization animators should make multiple visits to potential beneficiaries to break mental barriers and encourage participation, and for all group members to be included in the selection process and provided with detailed information about their roles.
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