SHG Models of Microfinance in Loaning Performance of SHGs: A Study on Barpeta District of Assam

Microfinance in India mainly provides under the SHG models, which comprise three credit linkage models and have recorded tremendous growth in reaching poor people, forming SHGs, disbursing loans, savings, financial inclusion, women empowerment, etc. Again, disbursing loan without mortgage is the crucial feature, as why microfinance is very popular today, and that under SHG system ‘peer-pressure’ serves as the only collateral. Thus, this paper highlighted the ‘loaning performance’ towards SHGs in Barpeta District of Assam under SHG models from 2007-08 to 2011-12, on the basis of secondary and primary data. The study reveals that, the SHGs under model-III have been obtained more amount and frequent loans than SHGs under model-II in the district during the period of study.