• Dr. Ratul Saha

The basic problem of our country is the incidence of severe poverty among the people who are in lower income and land echelon. In spite of taking up various anti-poverty programmes during the various planning periods of our national planning, most of the rural households of lower echelons in respect income or land holdings are by and large living in absolute poverty. In the course of time, a new and compact programme to provide tiny financial help to the targeted groups rather than individuals has been launched by the government with the help of the Non- Government organizations (NGOs). These targeted groups are very much known as the self-help groups (SHGs). There is no question, as many may believe, about the efficacy of the functioning of the SHGs in reducing the vulnerability of the rural poor particularly among the women and children. But what remains is to make an enquiry about the facts that we have highlighted here on SHGs in the light of the case studies. On our part, it is the main problem of this research problem. Thus it has become the basic objective of this research study to test whether these SHGs have become dynamic growth engines for the expansion of employment and income in the households of the below poverty line of the grass root areas and thus helping to eradicate poverty? For the purpose of the present study we purposively selected two districts of West Bengal. These two districts are respectively Cooch Behar and Bankura. We have selected 15 SHGs and its 154 SHG households from Cooch Behar and 15 SHG and its 165 SHG households from Bankura and 50 Non-SHG households form each districts for the purpose of the present study. All these self- help groups were being formed under the Swarnjayanti Gram Swarozgar Yojana scheme of the government. Our study is primarily based on the data collected by the present researcher and the period for survey for collections of primary data is 2012-13.

ROLE OF MICRO CREDIT IN CREATION OF EMPLOYMENT: A STUDY OF TWO DISTRICTS IN WEST BENGAL

"ROLE OF MICRO CREDIT IN CREATION OF EMPLOYMENT: A STUDY OF TWO DISTRICTS IN WEST BENGAL", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.871-899, June 2019, Available :http://www.jetir.org/papers/JETIR1906Y50.pdf

"ROLE OF MICRO CREDIT IN CREATION OF EMPLOYMENT: A STUDY OF TWO DISTRICTS IN WEST BENGAL", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp871-899, June 2019, Available at : http://www.jetir.org/papers/JETIR1906Y50.pdf