1Directorate of Extension Education, Dr YS Parmar University of Horticulture and Forestry, Nauni, Solan-173230, HP
Department of Social Sciences, College of Forestry, Dr YS Parmar University of Horticulture and Forestry, Nauni, Solan-173230, HP
*Email for correspondence: mchand.2008@rediffmail.com
Online published on 25 July, 2018.
The study conducted on a random sample of 75 members of self-help groups (SHGs) associated with Jogindra Cooperative Bank Limited, Nauni, Solan, Himachal Pradesh revealed that about 75 per cent of the members had fair to good perception whereas only one-fourth were found to have poor perception about the SHGs. Reluctance of family members in permitting female members to go outside the home, fluctuating bank policies, groupism, lack of cooperation among the members etc were the main problems encountered by them in the effective functioning of SHGs. A majority of the respondents (75%) were registered members for the last 7 to 13 years and had joined the SHGs at their own will to avail loan facility, to develop saving habit and to generate income.
Self-help group, perception, reluctance, groupism, saving habit
