Problems And Prospects In Implementation Of Swaranjayanti Gram Swarozgar Yojana In Haryana

Abstract

The present empirical  research on problems and prospects in  Implementation of  Swaranjayanti Gram Swarozgar Yojana in Haryana was undertaken  to bring into fore   the problems faced by the Swarozgaris in formulation of SHG,  setting group norms,  getting the initial seed money, arranging revolving fund, dropout problem in the SHG, differences among the members, role of panchayat in  facilitating  the SHGs, getting and using the loan amount in time and problems related to marketing  of the products. The subject chosen for this study was new and applicable for the SHGs operating in the four subdivisions in Haryana covered under SGSY. A descriptive research design was adopted and 300 SHGs members, 75 from each administrative division and representing 15 SHGs from four administrative divisions of Haryana was selected as sample. The data was collected with the help of interview schedule along with extensive observation technique and discussion method wherever applicable. For analyzing and interpreting the data, the investigator adopted the percentage, mean, standard deviation, chi-square and t-test as statistical techniques. The results of the present study clearly demonstrate that majority of the respondents faced one or other types of problem in relation to SHG, such as problems in getting the revolving fund, lack of family support in carrying out the activities, inadequate training, wrong choice of project, procedural delays for providing loans and credit and insufficient subsidy amount.

Key words: SHGs, Swaranjayanti Gram Swarozgar Yojana, Swarozgaris