Economic Analysis of Women Self Help Groups Generating Dairy Activity

Abstract

In India, the majority of the people live in a rural area and are engaged in agriculture, earning a subsistence wage. Women are a vital part of the Indian economy and employment to build their empowerment. Provision of loans and financial services to the poor is an important aspect of the development agenda of any economy. To ascertain the technical efficient self-help groups and identify the possible determinants of technical efficiency of dairy self-help groups. This study was undertaken in rural areas of Amravati division and for this study Selected those self-help groups which were engaged in agriculture-based activity dairy. To analyse the objectives of the study to ascertain the technical efficient self-help groups and identify the possible determinant of technical efficiency of dairy self-help groups, the primary data was collected with the help of Personal interview of self-help groups. The marginal value of productivity of assets determined to decrease the use of assets and scope to be increasing this variable. The variable asset executed negative significant contribution in determining the gross loan its indicates declining assets affects to the loan refund and hence its indicated limited the size of SHGs, in views of this it is necessary to increase the assets which will make the SHGs to increase their activities production which helps in increase gross returns to refund possible therefore assets is the possible determinant of gross loan portfolio. The average technical efficiency for the entire sample of dairy SHGs was 0.9771, allocative efficiency was 0.5843 and 0.5671 dairy SHGs economic efficiency. The variables such as Cost per borrower, Assets, Borrow per member, Net return and Subsidy contributes to the explanation of the variation in Economic Efficiency of the dairy SHGs.