Micro Credit Delivery System With Reference To Self-Help Groups

An attempt is made to study the delivery of Micro -Credit to SHGs through bank linkage. The focus is on savings, disbursement, out standings and non- performing assets. The performance is ascertained both at the level of groups and members. There was a lapse on the part of the SHGs in the deposit of savings with the banks. The savings were deposited with the banks either belatedly or partially. The group earned income through internal lending of savings among the members and leaders. This has resulted in higher returns to the SHGs as compared to interest earned on savings if the savings are kept in banks.