Role of the self-help group in rural economy development

Role of the self-help group in rural economy development

Self-help group's role in the development of rural economy The self-help group is playing 
                                 
         an important role in the strengthening of the rural economy. This is a better option for livelihood and employment generation in rural areas. Rural women are not only financially empowered with these groups, but this has also increased the tendency of self-reliance in them. The self-help group has not only brought in the message of Navjivan for women but also for those who are cursed to face economic hardships and poverty in life.
      The self-help group 'organization' is based on the concept of power. (1) The belief behind the formation of these groups is that the scattered people can be oppressed and exploited, but if they are organized then they can become a major force. While working on this concept, women self-help groups in rural India have enabled millions of uneducated poor women to get financial autonomy. The self-help group works on the needs of broad groups, such as farmers, craftsmen, fishermen, disabled, socially backward groups, aged, adolescent girls and women etc. Under these groups, many financial and non-financial organizations formed by government agencies, NGOs and banks have been included.
      Self-help groups are considered as the world's largest microfinance program. Its aim is to make supplemental loan policies to meet the needs of the rural poor. In addition to promoting banking activities, cooperating for savings and loans, to strengthen mutual trust and faith within the members of the group. Under the Women Aid Group Co-affiliate program, loans are being provided to these associates at the annual rate of seven percent by providing interest subsidy of up to Rs. 3 lakhs loans, as well as an additional 3% Interest subsidy is also given, so these groups are actually being provided loans at the rate of 4%.
      In India in the early 1970s, these Self Help Groups were used to implement poverty eradication programs. At present, 30 lakh self-help groups are employed in entire India. (2) In order to make this a success, Ministry of Rural Development, Government of India started livelihood mission. Under this, seven crore BPL families have been brought under six lakh villages, 2.5 lakh panchayats, 6000 blocks and self-help groups in 600 districts. Underlining its importance, Bihar Government has set a target of setting up 1.25 crore women in 10 lakhs self-help groups through schemes of Rs 9200 crores in the state till 2022. As well as 65 thousand village organizations, 1600 package level associations and 534 divisional level federations will be formed (3) These self-help groups have made crores of women in India, including Bihar and Jharkhand, such self-sufficient businessmen who have more control over their life and future. These groups, which emerged across the country, have encouraged the trend of saving in rural women, due to which they have got rid of the usurers. Andhra Pradesh, Tamilnadu, These groups have had considerable success with the help of people and NGOs in Kerala etc. The self-help group in Andhra Pradesh has taken the form of a movement. The broad network of these groups of Rajasthan and Jharkhand are now showing a renewed form of tribal uplift and rural development by playing a strong partnership in the activities of social and economic development. Adivasi women are coming forward in groups and are conducting employment-related pace-measures with household chores. Through a NGO called Janseva Parishad, women have created 18 self help groups through a village in Hazaribagh, Jharkhand, through which landless and downtrodden women have proved that by giving significant contribution to the income of the family, (4) There is freedom to choose an economic activity under self-help groups. Here is the reason that the self-help group, powered by Gujarat The business of Lizjt Papad is famous in the world today. Women in Rajasthan are earning well from the work of bandhas and dyeing. Women of Bharda Block in Durg district of Chhattisgarh district have improved their income and living standards by getting bank loans through the self help group, rising above the poverty line. Here, Scheduled caste women of 'Gurur Gaon' have created a new identity in the field of agarbatti making by creating 'Lakshmi' group. The women of Udaipuria Gow of Jaipur district of Rajasthan have organized a shyness in the world of fashion by getting organized as 'Shyama Swaashyahitya group' and making leather shawls i.e. a skeleton. Similarly, the self-help group, organized by Kamla of Bhawanipur Mahtoli Gov in Barpeta district, has given a new zeal to the food-processing industry. Women of the erular community of Chennai, who have lived on snakes and mice after centuries, women of Purnami erular women self-help group formed The tax has provided a new dimension to the fishing industry. Women in the Dingh tehsil (Rajasthan) are not only contributing to the field of spirituality by making 'Tulsimala' through the Lupine Welfare and Research Foundation but also earning a lot of money. Chetana Women's Savings Co-operative Society, operating in Jhabua district of Chhattisgarh, is a stunning millet in the field of banking.
      But it would be wrong to say that only economic activities are being operated by the self-help group, but the reality is that the scope of these groups is broader than that. Through them women solve issues relating to other issues of social life such as child marriage, widow marriage, divorce inter-caste marriages, scenes, widows, women's violence and oppression, sexual exploitation, women's education, women's rights, gender discrimination, dowry practice etc. It is also engaged in exploration. It is also taking necessary steps for this. Through so much self help groups, efforts can be made to include sections, communities and destructive elements from society, in the mainstream of the society. Thus, these groups are not only providing jobs to the people, but also are working very hard and firmly to redefine and fabricate rural India's economy. 

References:
(1) Kurukshetra, July 2013, Editorial 
            (2) Report of the Institute of Asian Development Research 2013 
(3) Times of India, Patna, 2 August 2014 
(4) Kurukshetra, July 2013, page -15