Impact Created by Financial Transactions of Self-help Groups on Commercial Banks of Dibrugarh District, Assam

Monjit Protim Changmai; Ratul Dutta

doi:10.36948/ijfmr.2025.v07i05.57540

Impact Created by Financial Transactions of Self-help Groups on Commercial Banks of Dibrugarh District, Assam

Author(s)	Mr. Monjit Protim Changmai, Dr. Ratul Dutta
Country	India
Abstract	Self-help groups (SHGs) are formal groups formed by 10 to 12 members to improve their lifestyle by engaging in various independent works. They get financial assistance as loans from banks with low interest for engaging in work. Banks provide loans to self-help groups with low interest rates in return the groups have regular money transactions with banks. The present study aims to check if there is any impact made by the self-help groups on the banks with financial transactions by these groups in the Dibrugarh district of Assam. It has been found that there is active transactions made by the Self-help groups with banks. From the figures1, figure2, figure3, and Table 1 it was observed that the banks are having transactions with Self-help groups. Table 1 provides the current status of banks of the Dibrugarh district which have direct transactions with Self-help groups in the form of various schemes like Fixed Deposit (FD) or Recurrent Deposit (RD), Money Multiplier Deposit Certificate (MMDC), and Savings. A non-parametric test was performed to check whether the financial performance of banks was impacted by the transactions made by self-help groups with a null hypothesis. It was observed that there was some impact on financial banks by the transactions made by Self-help groups. For this Kruskal-Wallis H test was used and its value was found to be significant. Also, ordinal regression was conducted to check the performance of financial transactions with Self-help groups. It was observed that some impact was created on the financial transactions of banks made by the Self-help groups. Thus, we can conclude that there is a positive impact on the bank transactions generated by the financial transactions made by various Self-help groups of Dibrugarh district, Assam.
Keywords	Self-help groups, financial transactions, banks, impact, performances
Field	Sociology > Economics
Published In	Volume 7, Issue 5, September-October 2025
Published On	2025-10-10
DOI	https://doi.org/10.36948/ijfmr.2025.v07i05.57540

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Impact Created by Financial Transactions of Self-help Groups on Commercial Banks of Dibrugarh District, Assam

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