DETERMINANTS OF SUSTAINABILITY OF SELF HELP GROUPS AMONG WOMEN IN HARYANA.

Due to fast growing of the SHG-bank linkage programme in the state, the quality of the SHG has come under stress. Here an effort is made in this paper to assess the determinants of sustainability of self help groups in Haryana. The study was carried out in four districts of Haryana viz; Kaithal,Panipat,Rewari and Mahendergarh. Tweleve blocks were selected from all the selected districts which had the maximum number of self help groups formed. The total of 240 SHGs constituted the sample of the present study representing 65 villages from 12 blocks of 4 districts of Haryana. An interview schedule was prepared for the collection of data and the data were analysed by using frequency and percentages. Out of 240 SHGs surveyed in Haryana, more than fifty percent groups were discontinued (56.66%) followed by 34.58 percent groups in dormant category and only 8.75 percent were active groups. The low gap in group formation and registration indicates lack of efforts of field functionaries in formation process pointing towards a quantitative target achievement approach. The sustainability of 43.33 percent SHGs was for five years and more. Poor monitoring, non-cooperation and conflict among the members were the major issues among members leading to dormancy or discontinuation beside problem in taking loan, lack of training and knowledge.