An Empirical Study on Microfinance and Women Empowerment in Karimnagar District of Telangana State, India

Sujatha Gangadhar, M. S. Bhat, P. Malyadr


This study had considered three (3) factors of women empowerment namely Health Awareness (HA), Legal Awareness (LA) and Political Awareness (PA). Empirical study was conducted on SC and ST Self Help Group (SHG) members through a structured questionnaire relating to pre-loan and post loan period.  Results revealed that microfinance programs have been successful in improving the Health Awareness, but had a limited impact on Legal Awareness and Political Awareness factors among the SC and ST women after participation in the SHG programme. The main objective of this paper is to study the impact of Microfinance on empowerment  of  Scheduled Caste (SC) and Scheduled Tribe (ST) women in Karimnagar District of Telangana State, India. The results indicate that participation in the SHG programmes by the SC and ST women helps in overall empowerment


Microfinance; Women empowerment; SHGs; Pre-loan; Post-loan

Full Text:



Al-Mamun, A., Wahab, S. A., Mazumder, M. N. H., & Su, Z. (2014). Empirical investigation on the impact of microcredit on women empowerment in Urban Peninsular Malaysia. The Journal of Developing Areas, 48(2), 287-306.

Jain, D., & Jain, B. (2012). Does microfinance empower rural women? Empirical study in Udaipur District, Rajasthan. Researchers World-Journal of Arts, Science and Commerce, 3(2), 76-89.

Littlefield, E., Morduch, J., & Hashemi, S. (2003). Is microfinance an effective strategy to reach the millennium development goals? Focus Note 24, 1-11.

Mahmud S. (2003). Actually how empowering is microcredit? Development and Change, 34(4), 577- 605.

Moon, U. (2011). Role of self-help group—bank linkage model in women empowerment. Asia Pacific Journal of Research in Business Management, 2(6), 47-65.

Mukherjee, S., & Purkayastha, P. (2011). A planned model for a sustainable self-help group in West Bengal—An analytic hierarchical process approach. Vilakshan: The XIMB Journal of Management, 7(3), 85-98.

Nayar, K. R., Kyobutungi, C., & Razum, O. (2004). Self-help: What future role in health care for low and middle-income countries? International Journal for Equity in Health, 3(1).

Qudrat-I-Elahi, K. (2003). Microfinance, Empowerment and Sudra women in India. Development in Practice, 13(5), 570-572.

Radha Rani, K. (2013). Role of micro-enterprises in women empowerment—A case study of Andhra Pradesh. Shiv Shakti International Journal in Multidisciplinary and Academic Research, 2(2), 1-16.

Sanyal, P. (2009). From credit to collective action: the role of microfinance in promoting women’s social capital and normative influence. American Sociological Review, 74(8), 529-550.

Sarumathi & Mohan (2011). Role of microfinance in women’s empowerment - An empirical study in Pondicherry Region on rural SHG’s. Journal of Management and Science, 1(1), 1-8.

Sonowal, M. K. (2013). Impact of education in women werment. IJCAES Special Issue on Basic, Applied and Social Sciences, 3(1), 27-33.

Srivastava, M. (2009). Essay on women empowerment. Retrieved from

Swain, R. B., & Wallentin, F. Y. (2012). Factors empowering women in Indian self-help group programs. International Review of Applied Economics, 26(4), 425-444.



  • There are currently no refbacks.

Copyright (c) 2016 Sujatha Gangadhar

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

Share us to:   


  • How to do online submission to another Journal?
  • If you have already registered in Journal A, then how can you submit another article to Journal B? It takes two steps to make it happen:

1. Register yourself in Journal B as an Author

  • Find the journal you want to submit to in CATEGORIES, click on “VIEW JOURNAL”, “Online Submissions”, “GO TO LOGIN” and “Edit My Profile”. Check “Author” on the “Edit Profile” page, then “Save”.

2. Submission

  • Go to “User Home”, and click on “Author” under the name of Journal B. You may start a New Submission by clicking on “CLICK HERE”.

We only use three mailboxes as follows to deal with issues about paper acceptance, payment and submission of electronic versions of our journals to databases:;;

 Articles published in International Business and Management are licensed under Creative Commons Attribution 4.0 (CC-BY).


Address: 1055 Rue Lucien-L'Allier, Unit #772, Montreal, QC H3G 3C4, Canada.
Telephone: 1-514-558 6138 
Website: Http:// Http://

Copyright © 2010 Canadian Research & Development Centre of Sciences and Cultures