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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM65414
Volume:
10 |
6 |
Jun 2026
Pages:
1-11
Publication Frequency:
Monthly (12 issues per year)
License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.
Department of Commerce
AES National Degree College, Gowribidanuru-561208
Department of Commerce
AES National Degree College, Gowribidanuru
Department of Commerce
AES National Degree College, Gowribidanuru
Department of Commerce
The National College, Bagepalli
Department of Commerce
National Degree College, Gowribidanuru Chikkaballapura District.
Purpose : The chief intention of the present research paper is to know to what extent the demographic and socio economic profile of respondents impact on the study. Further, the study is conducted to understand before and after effects of involvement in the income generating activities, savings details of respondents and financial literacy level among the respondents. The analysis of above is necessary to know how they contribute to eradicate poverty, unemployment, savings level and awareness of financial literacy leading to empowering women. Methodology : A structured and well designed questionnaire was administered as schedule for the data collection. The relevant quantitative techniques Chi-square, contingency co-efficient, ANOVA, Kendall's Co-efficient of concordance and Regression Techniques were performed. The respondents opinions are expressed through 3 point Likert scale varying from strongly agree to somewhat agree. Findings : The demographic, socio-economic profile of respondents reveals significant variation with high degree of relationship except living conditions which is also significantly varying but with low degree of relationship. There is overall improvement in the involvement of income generating activities and savings detail. In IGAs respondents shown maximum interest in vegetables selling, working in child care centres and there is a reduction in agri labourers. As far as savings details are concerned respondents started investing in the banks instead of keeping cash in their houses, and started a total discourage of investing in chit funds and savings with friends / relatives and neighbours. Concluding remarks : 78% of Chikkaballapur is rural and hence microcredit and SHGs are vital. They are funding now for small businesses, agriculture and daily needs, notably improving the living standards and savings of local women. The district has seen vocal protests where women demonstrated against coercive tactics by microfinance agents, and private lenders. Use of abusive language, locking houses, and aggressive recovery practices leading to severe borrower distress. But microfinance initiatives are concretely helping the poor in the eradication of poverty and show a way to engage in a job and successful in due creation of awareness of financial literacy and SHGs are successfully driven out the local money lenders.
KEYWORDS
Microfinance initiatives along with 5 guarantee social welfare measures are helping the women out of poverty through making them to involve in IGAs. Further the role played by microfinance in the area of awareness level enhancement in the gender based credit schemes is further helps them to come out of local money lenders. Chikkaballapur is a commercial vegetable growing centres and everybody knows about potato, chilly innovative flowers, tourist place where innumerable rush at weekends to enjoy vibrant natural air at Nandi Hills and to see lord Ishwara and Isha Foundataion at Avalagurki, a powerful centre for inner transformation. The study found the demographics, socio-economic profile of respondents reveals significant variation with high degree of relationship except living conditions which is also significantly varying but with low degree of relationship. There is overall improvement in the involvement of income generating activities and savings detail. In IGAs respondents shown maximum interest in vegetables selling, working in child care centres and reduction in agri labourers. As far as savings details are concerned respondents started investing in the banks instead of keeping cash in their houses, and started a total discourage of investing in chit funds and savings with friends / relatives and neighbours.
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Publication Date
6/25/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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