VIDYASAGAR UNIVERSITY JOURNAL OF COMMERCE

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Samirendra Nath Dhar, Kiranjit Sett, Soumitra Sarkar Though the table is self explanatory, some points need to be highlighted. There is no doubt that the growth of SHGs linked to different banks have witnessed an exponential growth and the quantum jump in the linkages well signify the spread of SHG- Banking in this region. While Uttar Banga Kshetriya Gramin Bank is clearly the leader in terms of number of SHGs linked and having more than 40% of total SHGs under its wings, Central Bank of India is a close follower with about 30% of the SHGs linked to it. The following diagram gives a distinct view of the share of different banks in respect of number of SHGs linked in the region under the study. No of SHGs linked with Banks upto 2006- 41 The compounded annual growth rates are also noticeable as they have surpassed the CAGR of all India growth rate by more than three times in five cases. The growth rates of other banks are also exceptionally high. These statistics are an indicator of how the SHG- bank linkage programme has caught up in these areas after the SGSY was launched. With respect to the Cash Credit and Revolving Fund disbursed, the figures in the table show that UBKGB is the leader in this respect also, the amount disbursed being nearly twice that of CBI and nearly 1.5 times of the cumulative amount disbursed by other commercial banks shown in the table. These figures therefore also indicate the superiority of regional rural banks over commercial banks in respect of linking of SHGs. (b) Perception of Bank Personnel regarding operational and viability aspects of SHG linkages: The perception of bank personnel, both officers and employees handling SHG banking have been measured by a series of 16 statements administered on a five point Likert’s scale. The scale used for all the statements were Strongly agree, Agree, No opinion, Disagree and Strongly Disagree. Values of 2, 1, 0, -1 and -2 respectively were assigned to these points so as to have a quantitative measure of the perceptions of each of these statements. Scores of each statement were summated for all the respondents and the mean score reported. A value higher than zero for the mean score would denote a positive attitude of the bankers working with SHG- banking. To test the response it was hypothesised that the mean score for perception (MS p ) of each aspect related to the statements administered would exceed zero, the neutral value on the five point scale. Vidyasagar University Journal of Commerce 59 3 19 30 CB SB UB UC ALL PN SYN I BO Union UBKG
SHG- BANKING IN INDIA-EMPIRICAL EVIDENCES <strong>OF</strong> BANKERS’ PERCEPTION AND PROBLEMS. The hypothesis framed was as follows: H o : Mean Score for Perception of Bankers (MS ip ) = 0 H 1 : Mean Score for Perception of Bankers (MS ip ) > 0 where ( i= 1 to 16) The results are reported below Table-2: Perception of bankers regarding SHG- Banking under SGSY Mean t- values Statements score 1. SGSY is a better micro-credit programme than previous 21.515 a 1.76 credit programme like IRDP 2. Savings of SHGs have resulted in more deposit for banks 1.57 22.750 a 3. Recovery rates are excellent. 1.88 17.41 a 4. Establishing savings & credit linkage of SHGs with bank 9.65 a 1.21 has resulted in better business for your branch 5. The amount financed through your bank are utilised 1.578 c 0.12 properly for micro-entrepreneurial activities by SHGs 6. Previous IRDP defaulters are restricted from having 9.81 a 1.02 finance under SGSY. 7. Beneficiaries understand all the operations and 0.938 0.08 documents of savings credit linkage. 8. Only the group leaders / treasurers understand all the 5.405 a 0.80 operations and documents of savings credit linkage. 9. It is difficult to explain the operation and maintenance 6.557 a 0.80 documents to the SHG leader or treasurer. 10. The SGSY will prove to be a sustainable micro-credit 8.920 a 0.76 delivery system in the long run. 11. SHG- banking operations are different from commercial 8.155 a 0.88 banking activities 12. Frequent interactions with SHG members are essential 20.869 a 1.44 for SHG- Banking 13. Special training programmes need to be conducted for 9.836 a 1.20 personnel engaged in SHG- Banking 14. A separate cell needs to be created in each Bank branch 3.218 a 0.42 for SHG- Banking 15. Experience in SHG- Banking will lead to better job 4.342 a 0.68 opportunities in other MFIs 16. Your respect and social recognition has increased due to 17.816 a 1.24 involvement in SHG- Banking Note: a denotes significance at 1% level and c at 10% level. Source : Field Survey 60 Vidyasagar University Journal of Commerce
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CONTENTS Sl. No. Title of Article P
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National Seminar on ‘Current Tren
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CORPORATE GOVERNANCE AND TRANSPAREN
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Page 13 and 14: CORPORATE GOVERNANCE AND TRANSPAREN
Page 41 and 42: A SURVEY ON THE RECAPITALISATION, M
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Page 85 and 86: CORPORATE RESTRUCTURING THROUGH MER
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Page 99 and 100: Vijay Kumar Mishra Source: Departme
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Page 103 and 104: Vijay Kumar Mishra Table-5: Growth
Page 107 and 108: A DISCRIMINANT ANALYSIS AND PREDICT
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REPORT OF THE RAPPORTEURS OF THE NA
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Vidyasagar University Journal of Co
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VIDYASAGAR UNIVERSITY JOURNAL OF COMMERCE

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