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A Self Help Group is a socially and economically homogenous group of 12-20 poor people voluntarily coming together to achieve common goals. These groups start with savings and not with credit; the group then use its savings to give loans to members to meet their emergency and other needs. The interest rates on the loans are market driven. The members decide on savings per member, maximum size of loans, guarantee mechanism in loan sanction. They prioritize loan applications on the basis of need. The groups enjoy institutional autonomy and necessary flexibility to operate their business. Regular meetings are conducted in which savings are collected, loans are lent, recoveries affected and group decisions taken. All the transactions are recorded in the books. The SHGs offer an easy and cost- effective way of depositing these small savings. They open a savings bank account with a nearby bank branch to deposit surplus cash if any.
 
 
Empowerment of rural women is our priority. Based on the literature review the definition of empowerment encompasses a few elements such as power, autonomy, self-reliance, entitlement, participation, awareness generation and capacity building. Group based micro finance has significant benefits for women, contributing not only to poverty alleviation, but also to women’s empowerment through various interlinked activities.
 
 
Empowerment of rural women is our priority. Based on the literature review the definition of empowerment encompasses a few elements such as power, autonomy, self-reliance, entitlement, participation, awareness generation and capacity building. Group based micro finance has significant benefits for women, contributing not only to poverty alleviation, but also to women’s empowerment through various interlinked activities.
 
 
Secondly women’s economic empowerment is then assumed to lead to increased well being for themselves and their families.
 
 
Thirdly this economic empowerment is further seen as enabling women to renegotiate changes in gender relations leading to social and political empowerment. At all these levels, group based programmes are strengthening women’s economic and social networks. This building of social capital is then assumed to further increase the contribution of savings and credit provision to women’s empowerment through enhancing their ability to increase income, negotiate change in the household and engage in collective social and political activity.
 
 
At all these levels, group based programmes are strengthening women’s economic and social networks. This building of social capital is then assumed to further increase the contribution of savings and credit provision to women’s empowerment through enhancing their ability to increase income, negotiate change in the household and engage in collective social and political activity.
 
 
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