Sudhir Chandar Bhuyan


Odisha is a mineral reach state in India but the economy of the state mainly dependents on agricultural. The western part of the state is reach with industrialization whereas the eastern part of the state is reached with highly futile lands. In eastern part, one of the costal district is Jagatsinghpur. In this district, majority of the population belongs to rural areas; therefore rural sector is the main source of economic development. Development of rural areas is essential for the enhancement of overall economy and for the betterment of rural communities. Another interesting fact about rural Odisha is the economic activity of a family is concentrate at the male members. The women are play the role of housewife to a great extends. The aim of the present study was to find the impact of microcredit on economic status of the WSHG members in rural areas of district Jagatsinghpur. The universe for the present study was all WSHG of the said district. The Sample of 442 respondents was selected from the targeted population using random sampling technique. A survey was conducted with the help of a close ended structured questionnaire. Both descriptive and inferential statistics were used to draw the results from the study. Through descriptive analysis, the study clearly demonstrated that microcredit has played a positive role in improving the economic status of members of WSHGs. In this regard the study observed that microcredit played the positive role in changing and improving the economic status of rural women.


Borchgrevink,A., Tassew,W., GebrehiwotA., Woldeab,T .(2005). Marginalized Groups, Credit and Empowerment: The case of Dedebit Credit and Saving Institution(DECSI) of Tigray, Ethiopia. Association of Microfinance Institutions, Occasion al Paper No.14.Swptember 2005, Addis Ababa, Ethiopia.

Brett, A. J (2006), "We Sacrifice and Eat Less": The Structural Complexities of Microfinance Participation, Human organization” Vol. 65, No. 1, pp. 8-19.

Chliova M , Brinckmann J and Rosenbusch N (2014), “Is microcredit a blessing for the poor? A meta-analysis examining development outcomes and contextual considerations.” Journal of Busines Venturing. Journal of Business Venturing, Volume 30, Issue 1, Pages 185

Crépon at el (2015) "Estimating the Impact of Microcredit on Those Who Take It Up: Evidence from a Randomized Experiment in Morocco." American Economic Journal: Applied Economics, 7(1): 123-50.

Hossain. M (1984) Credit for the rural poor: The experience of grameen banks in Bangladesh, BIDS Research monograph no.4,Bangladesh Institute of Development Studies, Dhaka.

Islam. A (2015) Heterogeneous effects of microcredit: Evidence from large-scale programs in Bangladesh, Journal of Asian Economics, Volume 37, April 2015, Pages 48–58

Khandker, Shahidur R. 1998. Fighting Poverty with Microcredit: Experience in Bangladesh. New York: Oxford University Press.

Lakew, B. (1998), " Micro enterprise Credit And Poverty Alleviation In Ethiopia: The Case The Project Office For The Creation Of Small Scale Business Opportunities (POCSSBO) In Addis Ababa", Unpublished MSc. Thesis, Department of Economic, Addis Ababa University.

Moslui. P and David Hulme (1998), Microenterprise finance: Is there a conflict between growth and poverty alleviation? World development 26 (5)-783-790.

Nirantar. (2007), Examining Literacy and Power Within Self Help Groups: A Quantitative Study,Nirantar.

Pokhriyal A.K and Ghildiyal Vipin (2011), “A Comparative Assessment of Banking and Microfinance Interventions in Uttrakhand” Global Journal of Finance and Management, Volume 3, Number 1 (2011), pp. 111-121

Puhazhendhi, V, (2000), Evaluation Study of Self Help Groups in Tamilnadu, NABARD (see

Puhazhendhi, V, and Satyasai, K.J.S.(2002), Microfinance for Rural People- An Impact Study,NABARD,( see

Ravicz, L. (1993). (Unpublished Thesis Paper). Phenomenological account of peyote use in the religious domain

Rehman, A (1987), “Alleviation of rural poverty, Replicability of Grameen Bank Model”, Agricultutre Rural Development Studies.

Wahid, A.N.M. 1994. ‘The Grameen Bank and poverty alleviation in Bangladesh: theory, evidence and limitations’, The American Journal of Sociology, 53 (1): 1–15.

پاراگلایدر Full Text: PDF


  • There are currently no refbacks.

Creative Commons License
This work is licensed under a Creative Commons Attribution 3.0 License.

ISSN : 2251-1555