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Self Help Groups (SHGs)  are indispensable for women’s empowerment but are plagued by various factors. What innovative measures would you suggest to overcome these factors?

Topic: Pressure Groups & Formal/informal Associations & Their Role in Polity.

4. Self Help Groups (SHGs)  are indispensable for women’s empowerment but are plagued by various factors. What innovative measures would you suggest to overcome these factors? (250 Words)

Difficulty level: Moderate.

Reference: The Hindu

Why the question:

The report has highlighted that 60-70% of loans by SHG are used for personal purposes.

Key Demand of the question:

To write about the role of SHGs in women empowerment and suggest innovative measures to improve their performance.

Structure of the answer:

Introduction

Start by defining SHGs and the origin and growth of the SHG movement in India.

Body:

First, write about the role played by the SHGs in women empowerment – breaking chains of poverty, collective action, self-employment and financial independence and credit disbursal etc.

Next, write about the various factors which have constrained SHGs from realising their full potential e.g. use of funds for personal use, lack of awareness, digital divide, and lack of financial literacy.

Suggest innovative measures to overcome these- e.g. establishing credit counselling centres in districts.

Conclusion:

Conclude by writing a way forward.