Self-Help Group Banking Linkage Programmes in Komaram Bheem Asifabad District: An Analysis of Implementation Efficacy and Financial Inclusion Outcomes (2014–Present)

Jadi Mallaiah; Dr. Shivanarayan Badgaiyan

doi:10.71097/IJTAS.v16.i6.1179

Self-Help Group Banking Linkage Programmes in Komaram Bheem Asifabad District: An Analysis of Implementation Efficacy and Financial Inclusion Outcomes (2014–Present)

Author(s)	Jadi Mallaiah, Dr. Shivanarayan Badgaiyan
Country	India
Abstract	The paper under study explores the establishment and the performance of Self-Help Group (SHG) Banking Linkage Programmes in Komaram Bheem Asifabad District in Telangana between 2014 and the current situation. Being one of the poorest districts in India with a mostly tribal demographic (68.47 percent), Komaram Bheem Asifabad is a special case of challenges and opportunities of financial inclusion with interventions of microfinance. This study is based on a mixed-method measurement that involves a quantitative analysis of banking data and government records with qualitative fieldwork to assess the effectiveness of the programme in increasing financial access, women's empowerment, and livelihoods. The analysis is based on the data on 8,742 SHGs with 104,904 members, the majority of whom are women belonging to the scheduled tribes and other marginalized groups. The main results suggest that there have been tremendous improvements in the credit disbursement (₹347.52 crores), savings mobilization (₹89.34 crores), and institutional capacity building. Nevertheless, there are still obstacles, such as poor geographical coverage in remote locations, non-uniform recovery success (73.2%), and insufficient infrastructure in capacity-building. The study shows that, although SHG-Bank Linkage has yielded significant contributions to the issue of financial inclusion, this would need to be sustained through better coordination with implementing agencies, dual interventions in tribal communities, and increased monitoring measures. The present research paper has added to the body of knowledge regarding the efficacy of microfinance in tribal-dominated areas and provided a policy guideline to promote inclusive development.
Keywords	Self-Help Groups, Banking Malleability, Financial Inclusion, Komaram Bheem Asifabad, Tribal Development, Microfinance, Women Empowerment, NABARD, Rural credit, Telangana.
Published In	Volume 16, Issue 6, Array 2025
Published On	2025-06-09
Cite This	Self-Help Group Banking Linkage Programmes in Komaram Bheem Asifabad District: An Analysis of Implementation Efficacy and Financial Inclusion Outcomes (2014–Present) - Jadi Mallaiah, Dr. Shivanarayan Badgaiyan - IJTAS Volume 16, Issue 6, Array 2025. DOI 10.71097/IJTAS.v16.i6.1179
DOI	https://doi.org/10.71097/IJTAS.v16.i6.1179
Short DOI	https://doi.org/hbn72h

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Self-Help Group Banking Linkage Programmes in Komaram Bheem Asifabad District: An Analysis of Implementation Efficacy and Financial Inclusion Outcomes (2014–Present)

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