aSchool of Social Sciences, College of Post Graduate Studies, Central Agricultural University, Umiam-793 103, Meghalaya
bDivision of Dairy Economics, Statistics and Management; National Dairy Research Institute, Karnal-132 001, Haryana
cDivision of Dairy Extension, National Dairy Research Institute, Karnal-132 001, Haryana
* Author for correspondence, Email: ferozendri@gmail.com
§ SHGs in Western Zone of Haryana”, submitted to National Dairy Research Institute (Deemed University), Karnal in 2009.
Microfinance through self-help groups (SHGs) has evolved as a mechanism for social inclusion of the rural poor. This paper has identified the factors that influence the repayment performance of the SHGs in India, by conducting a study on a sample of 120 SHG members from 60 dairy SHGs and 60 non-members selected from the state of Haryana. Results of Tobit regression have shown that peer monitoring, group size and female percentage have positive influence, whereas homogeneity and loan amount have negative influence on the repayment performance of the SHGs. The study has concluded that if the essence of self-help and cooperation is fostered and monitored properly, the poor can also repay.
Microfinance, Loan repayment, Deliquency rate, Haryana, Tabit model
