VIDYASAGAR UNIVERSITY JOURNAL OF COMMERCE

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Environment”, Journal of CIIN. S.A. Aduloju, A.L. Awoponle, S.A. Oke 13. Sirkin, R. M. (1995), Statistics for the Social Sciences, California, Sage Publications. 14. Sunday, O. (2006), “Recapitalization: The Bumpy Road Begins”, The Punch Newspapers, January 3, p. 24. 15. The Risk Shield Magazine 2005, Vol. 6, October, 2005. 16. The Risk Shield Magazine 2005, Vol. 7, No. 62. 17. Thomas, O. S. (2004), “Maximizing the Gain of Recapitalization”, presented at CIIN Special MCPP Programme, 25th February, 2004. 18. Uranta, J. C. (2004), “The Development of Oil and Gas Insurance in Nigeria”, Journal of CIIN. Vidyasagar University Journal of Commerce 53
Vidyasagar University Journal of Commerce Vol. 13, March 2008 SHG- BANKING IN INDIA- EMPIRICAL EVIDENCES <strong>OF</strong> BANKERS’ PERCEPTION AND PROBLEMS. Samirendra Nath Dhar* Kiranjit Sett** Soumitra Sarkar*** ABSTARCT The article looks into the perceptions and problems of bank officers and employees regarding SHG – banking activities related to the SGSY and suggests policy prescriptions based on the findings. Introduction Promotion of self-employment is being prioritised as one of the main policy initiatives for economic and social development in most developed countries and in many less-developed nations. Self-employment is recognized as one means of bringing a person into the mainstream of the society as a productive and contributing individual. For self-employment, micro-enterprises were considered as a double edged weapon to play a significant role in increasing the income level of the poor as well as contributing to their social empowerment, especially for women. However, setting up and running micro-enterprises is easier said than done because the presence of a host of constraints. The most glaring problems, however seems to be inadequacy of finance relating to fixed and working capital and ignorance about the success of finance, margin money, collaterals, application of loan etc. (Brugger, 1995). The problem gets more compounded for women because “formal financial institutions are less receptive and welcoming to female entrepreneurs.” ILO observed in 1998 that collateral requirements, bureaucratic loan application and disbursement procedures, the time and resources necessary to visit the banks and discriminatory banking culture virtually exclude poor women clients. * Professor of Commerce, University of North Bengal, Raja Rammohunpur, Darjeeling, e-mail: sndhar@sancharnet.in, ** Lecturer in Commerce, University of North Bengal, Raja Rammohunpur, Darjeeling, and *** Research Scholar in Commerce, University of North Bengal, Raja Rammohunpur, Darjeeling.
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CONTENTS Sl. No. Title of Article P
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National Seminar on ‘Current Tren
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A DISCRIMINANT ANALYSIS AND PREDICT
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A DISCRIMINANT ANALYSIS AND PREDICT
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REPORT OF THE RAPPORTEURS OF THE NA
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REPORT OF THE RAPPORTEURS OF THE NA
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