The Role of SHG-BLP on Micro Credit Access

Authors

  • Surekha
  • Varshitha A

Keywords:

SHG-BLP, Microcredit Access, Financial literacy, women Empowerment, Financial Inclusion, Rural Development, Rural Women.

Abstract

This study examines the role of the Self-Help Group-Bank Linkage Programme (SHG-BLP) in improving access to microcredit among rural women in Reddyvarahalli, Karnataka. The main objective is to understand the role of SHG-BLP, identify the different types of loans available to members, and examine the factors influencing access to microcredit. A descriptive research design was adopted for the study. Both primary and secondary data were collected to ensure a comprehensive analysis. Primary data were gathered from 100 SHG members through a structured questionnaire using the convenience sampling method, while secondary data were obtained from books, journals, reports, and other relevant sources. Regression analysis was used to examine the relationship between SHG participation, savings habits, financial literacy, bank linkage support, and access to microcredit. The findings indicate a positive relationship between SHG-BLP factors and access to microcredit, with an R² value of 0.532. SHG participation and financial literacy were found to have a significant positive effect on improving access to microcredit, whereas savings behavior did not show a statistically significant effect. The study also found that SHG-BLP has strengthened financial inclusion, supported women in starting income-generating activities, increased their economic empowerment, and improved their financial independence. The study concludes that strengthening SHG performance, enhancing financial literacy, and improving bank support can further increase access to microcredit and contribute to sustainable rural development and poverty reduction.

References

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Published

2026-09-18

How to Cite

The Role of SHG-BLP on Micro Credit Access. (2026). NOLEGEIN- Journal of Entrepreneurship Planning, Development and Management, 9(2). https://mbajournals.in/index.php/JoEPDM/article/view/2054