Predictors of microcredit default in Indian self‐help groups

Panda, Debadutta Kumar; Reddy, Sriharsha

doi:10.1111/apce.12259

Cited by 4 publications

(14 citation statements)

References 25 publications

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“…Previous studies have pointed out that micro‐financed SHGs are not efficient in generating sources for entrepreneurial activities (Dhake & Narkhede, 2019) and may lead to credit defaults in SHGs (Panda & Reddy, 2020). Nonetheless, studies have also established that membership in SHGs leads to the economic well‐being of the household (Hoffman et al., 2021).…”

Section: Resultsmentioning

confidence: 99%

“…To capture this difference, we have included the migrant status of the spouse of the household head. The number of household members is negatively related to defaults at SHGs (Panda & Reddy, 2020). Caste is a key variable that captures the social capital dimension and is related to the accessibility of a member to SHGs (Hoffman et al., 2021).…”

Section: Empirical Model and Variablesmentioning

confidence: 99%

“…This paper investigates an SHG-based initiative in a typically patriarchal society in Uttar Pradesh, India. SHGs were established and linked with banks under a microfinance program (Panda & Reddy, 2020). To streamline the research, we conducted Focus Group Discussions (FGDs) and in-depth interviews to comprehend the premises of the problem.…”

Section: Introductionmentioning

confidence: 99%

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Women self‐help groups and intra‐household decision‐making in agriculture

Padmaja

Srinivasa

Trivedi³

et al. 2023

Ann Public Coop Econ

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This study examines the effect of women‐centric agricultural self‐help groups (SHGs) on intra‐household decision‐making in agriculture. Using data collected from an intra‐household survey of 815 households, we analyze the effect of women's membership in different types of SHGs on 14 decisions related to farms and households. Specifically, we investigate the discord in decision‐making, which is the difference in the perceived decision‐making roles of spouses within a household. Our results show that women's participation in SHGs has increased their role in decision‐making by 8–13%. However, the effects vary according to the type of intervention and the decision. We found fewer discords in intra‐household decision‐making in seed SHGs than in micro‐finance SHGs. In conclusion, our study suggests that women's engagement in agriculture‐based SHG interventions can encourage joint decision‐making, but the magnitude of this effect depends on the type of SHG. Development agencies can use this information to design interventions targeted at empowering women through the improvement of the agricultural value chain.

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Section: Resultsmentioning

confidence: 99%

Section: Empirical Model and Variablesmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

See 1 more Smart Citation

Women self‐help groups and intra‐household decision‐making in agriculture

Padmaja

Srinivasa

Trivedi³

et al. 2023

Ann Public Coop Econ

View full text Add to dashboard Cite

show abstract

“…This confirmed that t a single factor could not emerge. Furthermore, a four-factor Positive Stimulus (5 items) (Panda, 2009;Ledgerwood, 1999) (Panda and Reddy, 2019;Panda, 2009Panda, , 2016 (10-point scale 1 5 strongly disagree and 10 5 strongly agree) 0.96 2.1 Intermediary Accountability (Panda and Reddy, 2019;Panda, 2009Panda, , 2016 The intermediary agency does not take ownership of the operations of micro-enterprise and success of micro-enterprise…”

Section: Common Methods Biasmentioning

confidence: 99%

“…The second major barrier for the SHG members to undertake micro-enterprises are the "intermediation assumptions" which impact negatively to the motivation for microentrepreneurship (Panda and Reddy, 2019;Panda, 2009). A typical intermediary, a nongovernment organization (NGO), and each NGO deals with a large number of SHGs in the provision of intermediation services with donor and grant support.…”

Section: H1 the Intermediation Benefits Positively Impact The Shg Mem...mentioning

confidence: 99%

A systems approach to examine microentrepreneurship development through Stimulus-Organism-Behavior-Consequence (SOBC) theory

Panda

2023

IJSE

Self Cite

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PurposeMicrofinance programs across the countries are designed on the self-help and peer pressure model, aim at microentrepreneurship development. Despite of significant studies on microfinance-supported microentrepreneurship (MSM), not a single literature examines it from the systems thinking. In addition to that, the extant literature did not look MSM from the behavioral perspectives. To address the above gaps, the present study aims to examine self-help group (SHG)-based microfinance programs from the systems approach using the Stimulus-Organism-Behavior-Consequence (SOBC) model.Design/methodology/approachInformation gathered from 786 women SHG members from four states of India through a structured interview schedule. Confirmatory Factor Analysis (CFA) and Structural Equation Modeling (SEM) were conducted to process data. Additional statistical tests were performed to test the reliability and validity.FindingsIt was found that the “positive stimulus” (social intermediation, financial intermediation and business development services) positively impacted; and “negative stimulus” (intermediation accountability, and intermediation assumption) negatively impact, to “motive” (attitude, subjective norms, and perceived control) for micro-entrepreneurship in the SHG-based microfinance. Further, “motive” positively predicted “behavioral intention”; the “behavioral intention” positively determined “consequences” of micro-entrepreneurship. Intermediation as stimuli acted as “input”; the motive and behavioral intention acted as the “process”, and the consequence acted as the “output” in the SHG-based microentrepreneurship system.Originality/valueTo the best of the author's knowledge, this paper is the first one to examine the behavioral systems of microentrepreneurship programs through the Stimulus-Organism-Behavior-Consequence (SOBC) model.Peer reviewThe peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-12-2022-0801

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An application of systems thinking to group‐based organisations

Panda

2024

Syst Res Behav Sci

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This study conceptualised self‐help groups (SHGs) from the behavioural systems perspective. It adopted the grounded theory approach for data collection and analysis; and the development of structural frameworks through causal inferences. The behavioural system of the SHGs had psychological and behavioural input (interest, motivation, intention, value, belief and need), psychological and behavioural process (adaptability, receptibility and cognitive ability), psychological and behavioural output (social behaviour, psychological behaviour, economical behaviour and ecological behaviour), and environment (macroeconomic environment, policy environment, social–cultural–political environment of village, and institutional environment of the village). The psychological and behavioural input, process, and output exhibited interdependencies. The conceptual categories within them showed causal interactions. The study provided a new lens to the debate on self‐help group‐based microentrepreneurship and group dynamics. The study found the systemic approach of SHG functioning and the peer pressure mechanisms built upon psychological and behavioural characteristics.

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Predictors of microcredit default in Indian self‐help groups

Cited by 4 publications

References 25 publications

Women self‐help groups and intra‐household decision‐making in agriculture

Women self‐help groups and intra‐household decision‐making in agriculture

A systems approach to examine microentrepreneurship development through Stimulus-Organism-Behavior-Consequence (SOBC) theory

An application of systems thinking to group‐based organisations

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