Constraints perceived by self help groups under Deendayal Antyodaya Yojana-National Rural Livelihood Mission (DAY-NRLM) in Gwalior division of Madhya Pradesh

Abstract

The main agenda for development of society is poverty alleviation as 26.1% of the total population lives below poverty line. Sustainability and improvement in the life of rural people is the main agenda of all developmental programmes. The development programmes implemented by the Government were unified into one self-employment programme referred to as Swarna Jayanti Gram Swarozgar Yojana (SGSY) till 2009. The Ministry of Rural Development was determined to restructure the continuing SGSY into National Rural Livelihood Mission (NRLM). The main strategy was to encourage women in rural households to be part of Self-Help Group. Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM) was launched in June 2011. The present study was carried out in Gwalior Division of Madhya Pradesh on constraint faced by the SHGs functioning under DAY-NRLM. A structure interview schedule was prepared for data collection from 300 SHG members. The study concludes that the members perceived various constraints while working as member SHGs under DAY-NRLM are; Personal constraint (lack of support from family in household chores)(91.66%), Educational constraint (lack of timely information about government schemes/subsidy)(78.00%), Organizational constraints (inadequate transport facilities)(92.05%), Marketing constraints (inability to catch market for products)(88.16%), Economic constraints (inadequate and timeliness of loan)(96.06%), Social constraints (lack of proper communication)(88.25%). The respondents suggested proper guidance and training on use of SHG loan, simple bank loan procedure for SHG members, need based training at regular interval and no external or interference of male members are keys to enhance performance of SHGs under DAY-NRLM.