International Journal of Current Microbiology and Applied Sciences (IJCMAS)
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Original Research Articles                      Volume : 7, Issue:9, September, 2018

PRINT ISSN : 2319-7692
Online ISSN : 2319-7706
Issues : 12 per year
Publisher : Excellent Publishers
Email : /
Editor-in-chief: Dr.M.Prakash
Index Copernicus ICV 2018: 95.39
NAAS RATING 2020: 5.38

Int.J.Curr.Microbiol.App.Sci.2018.7(9): 962-974

Measuring the Loan Availability, Utilization, Repayment and Its Effect on Income under Mahila Samridhi Yojana among Farm Women of Madhya Pradesh
Neha Sharma1*, Sadhana Tomar2, Shashikant Chaturvedi3 and D.V. Singh4
1Jiwaji University, Gwalior, Madhya Pradesh, India
2VRG PG College, Morar, Gwalior, Madhya Pradesh, India
3KVK Lower Suansari, Arunachal Pradesh, India
4KVK, Tonk (Raj.), India
*Corresponding author

Women play pivotal role in rural development in developing countries, among the poor, rural women are the poorest and more venerable. Empirical evidences suggest that women in rural areas are more adversely affect by poverty than men. Hence, there is need for economic upliftment of the farm women through enhancing their income and reducing the drudgery for maintaining their health condition. This study was conducted in Gwalior district, comprises of 4 blocks namely- Morar, Ghatigaon, Dabra, Bhitarwar. Three Villages of each block were selected purposively. Total twelve villages were selected for collection of primary data under study. Twenty five rural women of each village were selected randomly for the study. Thus, total 300 rural women were selected for the purpose. Results showed that majority of the respondents and received loan under MSY from Nationalized Banks. Majority of the respondents (70.33 percent) had received lesser then the amount they had applied for. VLW/Gram Sevak was the most important sources of awareness for getting information regarding programme of the respondents followed by Panchayat Members, Radio, Television and Patwari etc. It was found that all the respondents investigated do not possess complete knowledge and information about the programme. It was observed that majority (75.67 percent) of the respondents stated that they had not produced any co-lateral security for obtaining the loan. Hundred percent of the respondents had stated that no other members of the family have received MSY loan. The study reveals that ‘diversion of the amount for other work’ and ‘no returns’ from their income resulted in feeling of chances of waiver of loans which acted as a hindrance in repayment of loan in time. Hence this study reflects the visible and significant economic change as the impact of the Mahila Samridhi Yojana.

Keywords: Farm women, Loan availability, Mahila Samridhi Yojana, Repayment

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How to cite this article:

Neha Sharma, Sadhana Tomar, Shashikant Chaturvedi and Singh, D.V. 2018. Measuring the Loan Availability, Utilization, Repayment and Its Effect on Income under Mahila Samridhi Yojana among Farm Women of Madhya Pradesh.Int.J.Curr.Microbiol.App.Sci. 7(9): 962-974. doi:
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