Swarnajayanti Gram Swarozgar Yojana (SGSY) is a government-sponsored microfinance program. The scheme is based on four features: group lending with joint liability, progressive lending, back-ended subsidy, and social capital. We propose a new model of SGSY having these features: group lending...

Swarnajayanti Gram Swarozgar Yojana (SGSY) is a government-sponsored microfinance program. The scheme is based on four features: group lending with joint liability, progressive lending, back-ended subsidy, and social capital. We propose a new model of SGSY having these features: group lending...

This paper on the basis of Quasi-experiment shows that ‘quality of education’ of the students of the government owned primary schools getting mid-day meal are not satisfactory. Lack of giving sufficient importance on education by the parents for their children mainly coming from low...

This paper attempts to assess whether participation in a microfinance program helps households generate personal savings, as distinct from savings through compulsory contributions to the program. We consider a microfinance program initiated by the Government of India (the SGSY scheme),which is...

The paper explores the impact of a government sponsored microcredit program in India on women's decision-making agency across different socio-religious communities. The paper shows that women's participation in the Swarnajayanti Gram Swarojgar Yojona (SGSY) has resulted in varied patterns of...

This paper shows that government of India supported microfinance programme under SGSY scheme is partially effective to reduce poverty of the rural households. Few expansion of National Rural Employment Guarantee scheme plays here the supportive role. Taking the help of Natural Experiment it is...

In this paper we want to do a comparative impact evaluation among the participants of two separate types of microfinance system; a microfinance system operated through individual liability microcredit contract represented by VSSU and a microfinance system under SGSY scheme of the Government of...

Agriculture credit which is one form of micro credit mainly for the small and marginal farmers can be borrowed under two different types of short-term credit contracts: individual liability credit contract or joint liability credit contract under Primary Agricultural Credit Society (PACS). The...

In this paper we consider that a representative of a not so affluent rural household has three options. He (she) may join in a microfinance system operating on the basis of individual liability credit contract, or on the basis of joint liability loan contract through forming self-help group or...