SHGs IN INDIA: EFFECTIVENESS OF GOVERNMENT SUPPORT PROGRAMMES TOWARDS REDUCING NPAs

The study examines the effectiveness of training and capacity building initiatives taken up by NABARD and Government of India (GOI). The independent variables are the various measures taken up by NABARD for training and capacity building to promote efficiency in the working of Self- Help Groups (SHGs). The dependent variable for the study is NonPerforming Assets (NPAs) arising from SHGs. This study is based on secondary data and Eviews are being used as the tool for data analysis. Data for the last six years for six different regions of India have been taken for the study. The paper considers nine independent variables for the study. The panel data in the study is analysed using Fixed Effect Model and Random Effect Model. Findings of this study reflect the measures taken by the GOI which have significant impact on NPAs.