Vol. 6, Issue 1, Part D (2024)

Shelf Help Groups (SHGs) are small informal associations created for the purpose of enabling members to reap economic and social benefits out of mutual help, solidarity and joint responsibility. It's fascinating to see the positive impact that Shelf Help Groups (SHGs) have had on the members in Khalikote, Ganjam District of Odisha. The findings suggest that SHGs play a significant role in empowering individuals economically and socially. Members of SHGs have experienced a measurable increase in their household income. This suggests that participation in SHGs enables individuals to engage in income-generating activities more effectively, leading to improved financial stability for their families. SHGs facilitate the mobilization of savings and provide access to formal credit facilities. This access to credit is crucial for members to invest in various entrepreneurial endeavors or to meet unexpected expenses, thereby enhancing their economic resilience. The study indicates that members of SHGs are actively involved in joint decision-making processes regarding family expenditures, alongside their husbands. This signifies a shift towards more inclusive decision-making within households, where women's voices are being heard and valued. Beyond economic gains, SHGs also offer social benefits such as solidarity, mutual help, and a sense of joint responsibility among members. These social networks provide emotional support and encouragement, fostering a sense of community among participants. There is a positive overall impact on the lives of SHG members, reflecting the effectiveness of the group-based approach in addressing economic and social challenges faced by households in the study area.