Mobilization of Personal Savings among Microfinance- Participating Households: A Survey in West Bengal, India
| dc.creator | Kundu, Amit | |
| dc.date | 2017-04-01T15:37:40Z | |
| dc.date.accessioned | 2026-07-09T11:01:00Z | |
| dc.description | 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 operated under a joint liability credit system that requires formation of Self-Help Groups (SHG). The empirical design relies on two samples of respondents: a “treatment group” of households participating in the microfinance program and a “control group” of non-participating households of similar characteristics. Using data collected at two points in time (April-July 2004 baseline and September-December 2009 endline), we show that although income increases more in treatment-group households, the increase in personal savings of the microfinance-participating households over the study period is less than for the non-participating households. | |
| dc.identifier | doi:10.22004/ag.econ.249699 | |
| dc.identifier | https://ageconsearch.umn.edu/record/249699/files/06%20Mobilization%20of%20Personal%20Savings%20among%20Microfinance.pdf | |
| dc.identifier | http://ageconsearch.umn.edu/record/249699 | |
| dc.identifier.uri | http://hdl.handle.net/123456789/624062 | |
| dc.language | eng | |
| dc.publisher | ||
| dc.source | http://ageconsearch.umn.edu/record/249699 | |
| dc.title | Mobilization of Personal Savings among Microfinance- Participating Households: A Survey in West Bengal, India | |
| dc.type | Text |