An analyses of Shg performance through micro finance in Karnataka state

Micro Finance has vital role in economic empowerment of women in India and Karnataka also. The main objectives of the study are to examine the SHG-Bank Linkage programme in Karnataka and to evaluate the performance of Micro Finance in Karnataka with women economic empowerment in Karnataka. This study purely based on secondary date and this paper has used simple mathematical and econometrics models like Mean, Co-efficient of variation, Compound Growth Rate, One way Anova model to interpret. This paper has concluded that, Commercial Banks have dominant role in formulation of SHGs and providing loan facility to SHGs through SHG-Bank Linkage Programs but in the period of providing refinance facility, Cooperative bank and Commercial bank has taken 2nd and 3rd place in providing refinance facility in Karnataka orderly. Hence NABARD annual report 2010�11 says that SHGs have helped reduced dependence on local money lenders up to 66 percent of the members are free from the clutches of local money lenders in Tamilnadu and as high as 92 percent in Karnataka state. But unfortunately, majority of SHG members are using loans to unproductive purpose this leads to indebtedness. So, the members should use loans to productive purpose, in order to empower the economic condition