Usage pattern and saving behaviours of self-help groups banks linkage programme : a study of rural Uttar Pradesh

On the basis of consumption patterns and saving behaviour, the current study attempts to estimate the financial performance of SHGs in terms of credit-assessed households. The survey has been chosen by the state of Uttar Pradesh. Following that, the Rajeev Gandhi Mahila Vikas Pariyojana (RGMVP) made a conscious choice. A total of 450 households were chosen from villages in the Faizabad and Sultanpur districts. According to the findings of the study, credit-assessed households use SHG credit for both income and non-income generating activities. However, because the amount of SHG credit is insufficient to generate income, it is mostly used for non-income purposes. Furthermore, while saving behaviour is an issue, credit-assessed households are using SHG credit to save although they will use the money for medical needs later.