International Journal of Agriculture Extension and Social Development

author(s)
Priyanka Maity and Ruchira Shukla

abstract
Self-Help Groups (SHGs) play a crucial role in poverty alleviation, women's empowerment, and financial inclusion in rural India. This research examines the functioning, challenges, and impact of SHGs in South Gujarat, specifically in the districts of Navsari, Valsad, Surat, and Tapi. The study focuses on the role of SHGs in promoting economic and social development, particularly for rural women. A sample of 360 SHG members from these districts was surveyed to understand their experiences, challenges, and the outcomes of participation in SHGs. While SHGs have facilitated access to savings, credit, and income-generating activities, they face significant barriers, including financial mismanagement, governance issues, lack of market access and inadequate skills. The study identifies key challenges such as limited marketing information, poor infrastructure, high transportation costs, and resistance from family members, which hinder the growth and sustainability of these groups. Despite these challenges, SHGs have made notable progress, particularly in sectors like dairy farming, handicrafts, and agriculture. The research also highlights the critical role of external support from government schemes and NGOs, but emphasizes the need for better capacity building and self-sufficiency among SHGs.