Impact of Saving and Credit Cooperative on Rural Women

Abstract

About 83 percent of the population in Nepal lives in rural areas and subsistence agriculture is the major occupation. It is associated with low production income, low savings, low economic growth etc. Geographically most of the area consists of Hilly and Terai regions. There are highly population densities in terai region. Various programmed intended to reduce deep rooted poverty and livelihood. Empowerment in the targeted groups are of the country. One of them is saving and credit co-operative operationally it is focused on women especially in rural area. The present study is an attempt to find out the Impact of Saving and Credit Cooperative on Rural Women: A Case Study of Srijansilsil Women Development Saving and Credit Cooperative Limited has been taken for the study which is located in Pithuwa VDC of Chitwan. The main objectives of the study are: To assess the socio–economic impact of cooperative in the study area, to analyze the main source of family income, To analyze the purpose of loan and to identify the change in their socio economic condition after the participation in Srijansil Women Development Saving and Credit Cooperative Limited. The study has been carried out both on the basis of descriptive and exploratory research design. The study has been focused on to investigate the impact of cooperative in rural womens. For this study both primary and secondary data have been used. The members of SWDSCCL are sources of primary data and the secondary sources of data were collected from cooperative training and division office, published and unpublished books, journals, websites etc. Both qualitative and quantitative data have been collected in this study. To collect primary information sample has been used. A questionnaire is prepared consisting 25 questions with close and open structure. Structured questionnaire was prepared to generate the realistic and accurate data from cooperative officers and accurate data from cooperative office and women who were involve as member. Collected information has been processed scientifically. Information has been analyzed with the help of computer software like excel as well as manually. Different tables are prepared for different socio-economic variables. Piechart, multiple bar diagram and frequency distribution table have been used as statistical tools and techniques. The study was limited Pithuwa VDC of Chitwan district. It is covered only 50 respondents women of the SCCs member. SWDSCCL was established in 2059 B.S. It was established forthe sustainable development and improvement of socio economic status of its member. According to data there was positive impact of cooperative on respondents, because its member have improved there economic status by taking loan and solved there economicproblem. In this study analysis impact of saving and credit co-operative on rural women. Comparing the changing livelihood pattern of women before and after joining the cooperative. It was found that co-operative has not only been conducting economic activities. It has also focused on creating community awareness and increase womens involvement in decision making.