The present book investigates how far the social and development banking endeavours to benefit rural women who have long been relegated to background by tradition. Unfortunately gender disaggregated data on the use of bank credit are not available nationally. This volume on "Rural Women Empowerment and Development Banking" investigates the share of rural women in the credit offtake of selected rural branches of commercial banks and primary agricultural credit societies. The volume also presents a vivid and penetrating analysis of factors which promote or hinder womens access to credit, and participation of women borrowers in the management of credit at grass root level. The book provides necessary background for understanding the issues of gender justice in the area of credit, present policy perspectives and future credit strategy for rural women leading to their sustainable development. It is the fervent hope of the writer that the study will stimulate further research on the efficacy of various credit programmes in empowering rural women.
ABOUT THE AUTHOR N. Lalitha
Dr. N. Lalitha holds M.A. degrees in Economics, Women’s studies and Gandhian thought, M.Ed., M.Phil and Ph.D. in Economics. She won Medal for securing first rank in M.A. (Women’s studies) at Mother Teresa Women’s University, Kodaikanal. Presently, Reader in the Faculty of Rural Development, Gandhigram rural Institute (D.U.) Gandhigram, she has presented papers in several International, National and Regional seminars and workshops. A seasoned teacher having nearly one and half decade of professional standing, she is the author of many research papers, articles, monographs and books on a variety of issues relating to empowerment of women, self help groups, micro credit, rural women and Rural Development. She has been involved in development projects with emphasis on alternate credit delivery systems and women’s empowerment. She has undertaken projects on women self help groups, women co-operatives and women in poverty alleviation programmes. She has been guiding scholars working for M.Phil and Ph.D. degree. She is in the network of Non Governmental SHG Federations. She has been involved in developmental projects with emphasis on alternate credit delivery systems. Currently, she is running an Action research project on Self Help Groups and Self Help promoting Institutions funded by CAPART and a research project on Micro credit Intervention and Women Empowerment funded by ICSSR.
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