Published Paper Details:

This study has investigated the economic conditions of Self-Help Group (SHG) members in Chitradurga City by examining the changes in their socio-economic status before and after joining SHGs. The primary objective has been to assess the impact of SHGs on members' income levels, financial stability, access to microfinance, and overall livelihood. The research has utilized a descriptive design, incorporating both primary and secondary data. A sample of 125 SHG members from various socio-economic backgrounds has been selected using a stratified random sampling technique. Data have been analysed through paired t-tests to identify significant differences before and after joining SHGs. The findings have indicated a notable improvement in the economic conditions of members, particularly in income levels, financial stability, and access to microfinance. A significant reduction in the number of members with low-income levels and an increase in financial stability ratings have suggested the positive impact of SHGs. Moreover, members' access to microfinance resources has improved substantially, with a marked increase in those reporting enhanced financial independence and entrepreneurial activities. However, some members have experienced minimal changes in employment opportunities and financial conditions. This study has highlighted the potential of SHGs in promoting socio-economic empowerment, particularly for marginalized women, and has emphasized their role in fostering sustainable economic development.