International Journal of Agriculture Extension and Social Development

author(s)
Pavan V, Ganapathy MS, Harish Kumar HR and Vishnupriya V

abstract
The current research aimed to assess the performance of Self-Help Groups (SHGs) and their impact on the socio-economic conditions of rural populations. The study focused on SHGs supported by the Shri Kshethra Dharmasthala Rural Development Project (SKDRDP) in Dakshina Kannada district and SHGs backed by District Co-operative Credit Societies in Bidar district, Karnataka. To gather primary data, 120 respondents were selected as a sample, and the analysis was carried out using descriptive statistics and the Relative Importance Index (RII). The findings indicated several noteworthy points of differentiation between the two organizations. Firstly, the average loan per rupee of savings in SKDRDP was significantly higher at Rs. 11.84 compared to DCCB's Rs. 4.03. However, when it came to average monthly savings per person, DCCB had a relatively higher figure of Rs. 122, whereas SKDRDP reported Rs. 96. A crucial aspect observed in both sets of SHGs was the positive impact on the socio-economic conditions of the participants. Respondents from both SKDRDP and DCCB SHGs reported that their participation had led to social improvement by increasing access to basic necessities and enhancing economic well-being. SKDRDP facilitated access to microfinance, while DCCB Bidar contributed to increased savings. Importantly, these organizations not only provided financial opportunities but also nurtured self-reliance and empowerment within the communities they served.