A Study On Loan Repayment Dynamics Of Self-help Groups (shgs) Of Puduvai Bharathiyar Grama Bank

Abstract

Self-Help Groups (SHGs) Play A Significant Role In Promoting Financial Inclusion And Women Empowerment, With Puduvai Bharathiar Grama Bank (PBGB) Serving As A Key Institution Supporting SHG Credit In Puducherry. The Sustainability Of This System Depends Largely On Repayment Discipline And The Occurrence Of Non-Performing Assets (NPAs). This Study Examines The Loan Repayment Dynamics Of SHGs Financed By PBGB Over The Five-year Period From 2020–21 To 2024–25. Using Secondary Data And Analytical Tools Such As Percentage Analysis, Trend Analysis, Mean, And Standard Deviation, The Study Evaluates Patterns In Loan Disbursement, Repayment Performance, And NPA Levels. The Results Show Fluctuations In Disbursement And Varying Repayment Consistency, Along With Emerging NPA Concerns. The Study Suggests Strengthening Monitoring Mechanisms, Improving Financial Literacy, And Ensuring Productive Credit Utilization To Enhance Repayment Behavior And Reduce NPAs..

Keywords