Does Group Maturity Affect Savings and Investment Behaviour of Women: Empirical Investigation of Self-Help Groups in Uttar Pradesh
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Date
2024
Authors
Journal Title
Journal of Asian and African Studies
Journal ISSN
Volume Title
Publisher
SAGE Publications Ltd
Abstract
The aim of this study is to understand the impact of group maturity (age) on savings and investment behaviour of self-help group (SHG) members. Based on the survey data of 300 SHG members, the study finds that as groups mature or get older there is a three-fold rise in the share of household savings being diverted to savings in the SHGs. The results of the propensity score matching (PSM) reveal that group maturity has a positive impact on the per capita savings of member households. Furthermore, the usage of bank loans for a majority of beneficiaries distinctly shifts from consumption purposes to income-generating activities as the group becomes more mature. � The Author(s) 2023.
Description
Keywords
group lending, group maturity, income-generating activities, microfinance, Women self-help groups