Motivational Factors to Join SHGs among the Fisher Folk Community of Kerala
Abstract
Microfinance is a financial model specially designed for serving the poor. Microfinance programs provide tiny loans to poor people for self- employment projects. The conception of microfinance is as an income- producing tool rather than a consumption aid, thereby, it is an appropriate way of bringing social changes and transforming the society into a progressive one. Irregular income and social and economic backwardness are the main reason for the lack of sustainable development of fisherfolk. SHGs have played a crucial role in the intervention of microcredit given to the fisherfolk communities. Therefore, the researcher intended to study the motivational factors to join the SHGs among the fisherfolk community of Kerala. The study was experimental. The study found that members of the SHGs joined intending to obtain credit and meet their domestic expenses. Hence, they are not considering the objective of micro finance while utilizing the fund. They have used their micro-credit amount for meeting their expenses.
References
Abdul Hakim. (1980). Mechanisation and co-operative organisition: their impact on Traditional Fishermen. New Delhi: Jawaharlal Nehru University.
Ahdul Latif Muhammad. (2001). Micro Credit and savings of rural households in Bangladesh. The Bangladesh Development Studies, 27 (4).
Alavi Kutty. (2004). Socio-economic problems of fishermen in Kerala with Special reference to Malabar region. University of Calicut.
Ali Ahmed. (2010). Micro-Finance by Government Banks of Bangladesh : A study of Rajshahi Krishi Unnayan Bank. Al-Barkaat Journal of Finance & Management, 2 (1).
Ambili. C. S. (2007). Educational performance of Marginalised groups: A case study of Traditional Fisherfolk in Kerala. Thiruvananthapuram: University of Kerala.
Amitya Kumar Sharma. (2011). Micro Finance in the North East. Yojana, 55, 9-10.
Anuradha, P.S. & Ganesan,G. (2010). Sustainable Development and Fostering Inclusive Growth through Microfinance in the Indian Economy. Indian Journal of finance , 3-7. Anwarul Kabir Md, Dev Suman, & Shamsal Islam Mohammad. (2012). The role of Micro Credit and Micro Finance Institutions (MFIs)- Extent and Intensity of Poverty, Poverty Alleviation and Outreach. International Affairsand Global Strategy, 4, 29-47.
Mittal, P. (2020). Big data and analytics: a data management perspective in public administration. International Journal of Big Data Management, 1(2), 152.
Arora Manpreet, & Singh Swati. (November 2016). Disbursement of credit underr the SGSY Scheme: A comparision of SHGs' Swrozgaris and individual Swarozgaris. Indian Journal of Finance, 10 (11), 54-63.
Ataguba, G.A., & Olowosegun,O.M. (2013). Micro- Credit : Financing Fish production in Nigeria : A Review. Journal of Fisheries and AquaticScience, 8 (1), 190-195.
Becchetti Leonardo and Conzo. (2013). Credit Access and lif satisfaction: Evaluating the Nonmonetary Effects of Micro Finance. Applied Economics, 45 (9), 1204-1217.
Chakrabarty,S., & Bass,A.E. (2014). Institutionalising ethics in institutional voids: Building positive ethical strength to serve women micro Finance borrowers in negative contexts. Journal of Business Ethics, 119 (4), 529-542.
Chandra Shil Nikhil. (2009). Micro Finance for Poverty Alleviation: A Commercialized View. International Journal of Economics and Finance, 1(2), 191.
Chiranjeevuhi,T. (2003). Empowering women though SHGs. Kurukshetra,51 (5), 16-19.
Cohen, Monique and Sebstad Jennafer. (2001). Micro Finance, Risk Management and poverty. Kurukshetra, 49 (6), 7-11.
Cristabell P J. (2005). Women's Empowerment through capacity Building: The role of Micro Finance Thiruvananthapuram: University of Kerala.
Davamani,P. (2006). An economic study of Women upliftment through SHGs in Virudhunagar district in Tamil Nadu. Madurai: Madurai Kamraj University.
Davis Kaleigh, Maxwell Lauren and Horton Joseph. (2010). Banking for better lives: The impact of Micro-Finance on Women and their Households. Joural of Business Administration Online, 9 (2).
Department of animal Husbandry Dairying & fisheries. (2017). Ministry of Agriculture & farmers welfare, Government of India. Retrieved from Ministry of Agriculture & farmers welfare, Government of India website: http//www.dahd.nic.in
Department of fisheries. (2017). Department of kerala. Retrieved from Department of kerala official web site: http://www.fisheries.kerala.gov.in
Department of fisheries of Kerala. (n.d.). Retrieved from Department of fisheries kerala offical website: www. fisheries.kerala.gov.in
Dinesha,P.T and Jayasheela. (2010). Micro Finance on Economic Empowerment of Women: An Empirical Analysis. Asian Journal of Development Matters, 4 (3).
Dr.Ambika Devi.R. (2005). A study on women empowerment with special reference to Kudumbasree . Thiruvananthapuram: University of Kerala.
Dr.D.Guruswamy. (2012). The role of Micro Finance Institutions in poverty Alleviation in Ethiopio- A case study with special reference to Dedebit Credit and Savings Institution Mekelle Brach. Anvesha, 04 (02), 35-43.
Dr.Devendra Prasad Pandey. (2008). Inclusive financing through Micro Finance. Indian Journal of Finance, 2 (11), 8-12.
Dubey.A.R. (2010). Financial Inclusion and Micro Finance in India. Asian Man, 4 (2).
Gaila Raghav, Mani and Arul Nandhi. (2006). enterprises corporation. Retrieved december 25, 2007, from enteprises corporation web site: http://www.enterprises.coop
Gardgil, D. (1960). Origin and Spread of Co-operatives. Pune: Gokhale Institute of Politics and Economics.
Gumbo,T. (2010). Micro Finance institutions and urban housing 147 Commerce & Business Researcher ISSN 0976-4097, Vol. 14, Issue-1 in Addis Ababa: Challenges and prospects for sustainable poverty alleviation. Journal of Business and Administrative Studies, 2 (1), 54-72.
Hiremath Sneha.M. (2016). Self Help Group: An effective instrument for Women Empowerment. Talva, XIII. Indira Mishra. (2003). Micro Credit for Macro Impact on povery . New Delhi: National Publishing House.
Jahangir Alam Chowdhury,M., Ghosh,D., & Wright,R.E. (2005). The impact of micro credit on poverty: Evidence from Bangladesh. Progress in Development Studies, 5 (4), 298-309. Jayaram, B. (2001). Micro-Finance Retrospect and Prospects, Occational Paper 20. Mumbai: Department of Economic Analysis & Research, NABARD.
Kalra Vinita, Mathur,H.P., & Rajeev,P.V. (December 2015). Micro clients's awreness Index: A mesure of Awareness and Skills of Microfinance Clients. IImb Management Review, 27 (4), 252-266.
Karmakar,K.G. (1997). SHGs in Orissa: Some conceptual Issues. Projnan, Journal of Social and Management Science, XXVI (2), 123-131.
Kerala State Planning Board. (March 2017). Economic Review 2016. Kerala: Kerala State Planning Board.
Krishnaswami,O.R. & Ranganatham, M. (2016). Methodology of research in Social Sciences. Mumbai: Himalaya Publishing House. M S Sriram. (2005). Micro Finance and the state: exploring areas and structures of collaboration. Economic and Political Weekly .
Mahesh,R. (june 2006). Poverty, inequality and Natural Resourses degradation: An investigation into the small scale fishery sector of South Kerala. Ernakulam: Cochin University of Science and Technology.
Makesh.K.G. (2006). Marketing of Financial services: A study of Financial Institutions in Kerala. Thiruvananthapuram: University of Kerala.
Misal,D.M. (2013). A study of role of Micro- Finance in Rural empowerment in India. Journal of Accounting and Finance, 3 (1), 37-41.
Mohanan,S. (2000). Micro Credit and empowerment of women- Role of NGOs. Yojana, 44 (2), 21-28.
Morshed Ahmed Mokbul. (2000). Distant voices: Micro Credit Finance and views of the NGO: Field workers in Bangladesh. Journal of Rural Development, 19 (2), 295-313.
Muhammad yunnus. (2004). Grameen Bank, Micro Credit and Millennium Development Goals. Economic and Political Weekly . NABARD. (2002). Ten years of SHG-Bank Linkage. Mumbay: NABARD and
Micro Finance.
Nampalli Sreenivas & Sarma Subramanya,V.V. (2013, November). Human Development through Economic Empowerment using Micro Finance as a Falcrum. Indian Journal of Finance , 5-15.
Nanda,Y.C. (1999). Linking Banks and SHGs in India and the role fof NGOs: Lessons Learned and Future perspectives. National Banks News Review, 15 (3), 1-9.
Neti Annapuran. (2010). Evolution of strategic orientation of Micro Finance Institutions: Case studeies of Grameen replicators in India and Bangladesh. Banglore: Indian Institute of Management. 148
Commerce & Business Researcher ISSN 0976-4097, Vol. 14, Issue-1
Osmani, Lutfun N Khan. (1988). Impact of credit on the wellbeing of women: Evidence from the Grameen Bank. IDS Bulletin, 20 (4), 31-38.
P.Ibrahim. (1986). Fishing industry in Kerala: A study on the impact of technological change . Thiruvananthapuram: University of Kerala.
Panda.K.Debadutta,. (2010). Understanding Microfinance. India:
Wiley.Paul, P. K. (2012). Impact of Micro Credit on Women's Empowerment: Evidence from Rural West Bangal. IASSI Quarterly contributions to Social Science, 31, 63-83.
Pearlman,S. (2012). Too vulnerable fro Micro Finance? Risk and vulnerability as determinants of Micro Finance selection in Lima. The Journal of Development Studies, 48 (9), 1342.
Pillai,K.K,. (1974). The economy of sangham period, Kerala Charitram. Cochin: Histroy Association.
Prathap Sangeetha. K. (March 2011). Financial Inclusion of Fisher Households in coastal Kerala- Role of Micro Finance. Cochin University of Science and Technology.
Priya Basu and Pradeep Srivastava. (2005). Exploring possibilities, Micro Finance and Rural Credit access for the poor in India. Economic and political weekly .
Punithavathy pandian. (2002, november). Empowerment of Women through Micro Credit. Yojana , 47-50.
Radhadrishnan.L. and Shellamalle.B. (2001). Women empowerment through Entrepreneuership in the Fishing Community. Southern Economist, 40 (8), 114-116.
Rangarajan, V. (1996). Linkage banking for Micro Finance in India: Some models and Issues. Indian Overseas Bank Quarterly News Review, 8 (8), 13-22.
RBI. (2011, February 14). Retrieved from RBI official web site: https://www.rbi.org.in/scripts/NotificationUser.naspx?Id=6266&Mode=0
RBI. (1981). Report of the CRAFICARD. Mumbai: Reserve Bank of India.
Satya sundaram . (2003). Micro credit: Promising prospects. Innovative approaches and challenges in Rural credit , 21-26.
Saundarjya Borbora, Mahanta, & Ratul. (2001). Micro Finance through self help groups and its impact: A caseof Rashtirya Gramin Vikas Nidhi - Credit and Saving programme in Assam. Indian Journal of Agricultural Economics, 56 (3), 449.
Selvaraju.R and Vasanthi.G. (1987). Role of SHGs in Entrepreurial Development. Co-operative perspective, 19 (3July- September), 120-127.
Singh Gurmeet. (2010). Role of Micro Finance in poviding Socio Economic Security. Financing Agriculture, 42 (11), 21.
Skulkla Maulishri. (2017). Empowerment of women through Self HelpGroups: Introducing gender second in a "New Avatar". The Eastern Antropologist, 93-108.
Sree Dharan.T.K. (September 2006). A study of Micro-enterprises under Self- Help Groups with special reference to Kudumbasree Mission Kerala. University of Calicut.
UNCED. (1992). National mechanisms and international cooperation for Capacity-Building. Rio De Janerio, Brazil: UNCED. 149 commerce & Business Researcher ISSN 0976-4097, Vol. 14, Issue-1
Vanthi.G, Selvaraju.R and. (1985). Role of Self-Help Groups in Entrepreneurial Development. Co-operative perspective, 19 (3), 74-77.
Vijayakumar,N.V. & Naidu.J.Gaaajendra. (July 2016). Does Microfinance Training Enhance the Financial Literacy among members of Self Help Groups? Indian Journal of Finance, 10 (7), 22-32.
Vipinkumar., V.P., Lekshmi Swathi.,P.S. (2012). A study on impact of Microfinance Institutions on the coastal indebtedness in marine fisheries sector of Karnataka. Global Journal of Bioloty, Agriculture & Health Sciences, 1 (2), 18-27.
World Bank. (2005). Capacity building in Africa. Washington.D.C.: The World Bank
