A STUDY ON THE EVALUATION OF GOVERNMENT SCHEMES FOR SHGS IN NAGALAND: EFFECTIVENESS AND CHALLENGES
DOI:
https://doi.org/10.55955/420003Keywords:
Self-Help Groups, Government Schemes, Effectiveness, Financial Inclusion, Policy Implementation and Rural DevelopmentAbstract
Self-Help Groups (SHGs) have emerged as a vital tool for socio-economic empowerment, particularly in rural areas. In Nagaland, government schemes aimed at strengthening SHGs play a crucial role in promoting financial inclusion, entrepreneurship, and community development. This study evaluates the effectiveness of various government schemes supporting SHGs in Nagaland, assessing their impact on economic sustainability, capacity building, and poverty alleviation. Additionally, it identifies key challenges such as inadequate funding, bureaucratic delays, lack of financial literacy, and limited market access that hinder the optimal functioning of SHGs. The findings highlight the need for policy enhancements, better implementation strategies, and increased community participation to improve the overall efficiency of SHG programs. Addressing these challenges will help maximize the potential of SHGs in fostering inclusive growth and sustainable development in Nagaland.
References
Baruah, S. (2019). Microfinance and Self-Help Groups in Northeast India: Challenges and Opportunities. Oxford University Press.
Borah, R., & Das, P. (2019). Empowering Rural Women through SHGs: A Study on Challenges and Opportunities in Northeast India. Journal of Rural Studies, 45(2), 112-128.
Business Standard. (2022, November 10). "Challenges in SHG Financing and Government Interventions in Northeast India." Retrieved from https://www.business-standard.com
Das, P. (2020). "Financial Inclusion and Sustainability of SHGs in Northeast India." Journal of Social and Economic Studies, 38(1), 67-85.
Das, R. (2021). Microfinance and Self-Help Groups in North-East India: A Study on Rural Development Policies. Economic Affairs, 66(3), 245-259.
Dutta, P. (2020). Market Access Challenges for SHGs in India: A Review of Policy Interventions. Indian Journal of Economics and Development, 18(1), 78-94.
Kikon, A. (2020). Empowering Rural Nagaland: The Role of SHGs in Socio-Economic Development. Journal of Social Sciences, 55(4), 178-192.
Kumar, A., & Singh, P. (2019). Self-Help Groups and Financial Inclusion in India: A Policy Perspective. Indian Journal of Economics and Development, 15(2), 89-103.
Ministry of Rural Development. (2021). Annual Report 2020-21: Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM). Government of India.
Ministry of Rural Development. (2022). Annual Report 2021-22: National Rural Livelihoods Mission (NRLM). Government of India. Retrieved from https://rural.nic.in
NABARD. (2020). Microfinance and SHG Bank Linkage Programme: Progress and Challenges. National Bank for Agriculture and Rural Development.
Nagaland State Rural Livelihoods Mission (NSRLM). (2023). Impact Assessment of SHGs in Nagaland. Government of Nagaland.
Patel, S. (2018). Financial Literacy and Its Impact on SHGs in India. Journal of Financial Inclusion Studies, 7(3), 56-72.
Sharma, A. & Chanu, T. (2021). "Evaluating the Role of Government Policies in Strengthening SHGs in Nagaland." Indian Journal of Rural Development, 40(2), 98-115.
Sharma, L., & Longkumer, T. (2022). Challenges and Opportunities for SHGs in Nagaland: A Case Study Approach. Nagaland Journal of Development Studies, 14(1), 55-73.
Singh, R. & Das, M. (2020). Women Empowerment through SHGs: A Case Study of Northeast India. Economic & Political Weekly, 55(12), 45-53.
The Morung Express. (2023, September 15). "SHG Success Stories in Nagaland: Government Initiatives and Ground Realities." Retrieved from https://www.morungexpress.com
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Dr. J. Suresh Kumar, Dr. D. Shobana
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
