ISO 9001:2015

Social Inclusion Of Women Through Self Help Groups (Cma)

Dr. Meenu Maheshwari Shobhna Goyal Dr. Ashok Kumar Gupta

Gender constitutes a particular form of categorical exclusion given with the conditions of underdevelopment, developing economies and poverty. Poverty has been recognized recently as a multidimensional phenomenon encompassing income, assets, education, health, dignity and voice. The poor were believed to have no voice in determining resource allocation in the society where they live because “they were poor” but never have been seen to be poor because they have no voice in determining resource allocation. There are various groups who have been kept out as socially excluded like poor, dalits, women, HIV/AIDS patients, mentally and physically challenged persons and transgender etc.  The basis for social exclusion may be caste, colour, ethnicity, gender and health and there can be cultural, health and economic discrimination amongst these socially excluded groups. In India women constitute one group of socially excluded facing cultural, health and economic discrimination. Women are believed to have limited access to economic resources and formal financial institutions and linking them with the mainstream is one of the biggest challenge for policymakers in order to mitigate poverty and making women socially and economically empowered. Given the extent of social exclusion of women, Indian government is making efforts to include them in the system by implementing various interventions like microfinance, microcredit and SGSY to name a few.  This paper is an attempt to explore the interplay of social inclusion through financial inclusion of women in general and rural poor women in particular. The study is based on District Mewat in Haryana and a special microfinance intervention of NABARD in the name of Self Help Groups (SHG) which has proved a catalyst in bringing about a desirable change in their socio-economic status. This can be used as a remedy to include the socially excluded by organizing them in women collectives for initiating micro entrepreneurial activity with the help of their own savings and subsidized micro loans from the banks. The study will explore the extent and dimension of social upliftment of rural poor women before and after joining these community organizations


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