Prat
![](3D"NituMoniDeka_files/image002.png")
A Peer-=
Reviewed
International Jour=
nal of Humanities &
Social Science
ISS=
N<=
/span>: 22=
78-52=
64 (Online) 23=
21=
-9=
319=
(Print)
Imp<=
span
style=3D'font-size:11.0pt;font-family:"Cambria","serif";mso-fareast-font-fa=
mily:
"Times New Roman";mso-bidi-font-family:Cambria;letter-spacing:-.05pt;
mso-font-kerning:0pt;mso-fareast-language:EN-US;mso-bidi-language:BN-BD'>a<=
/span>ct Factor:
6.28 (Index Copernicus International)
Volume-=
IV, Issue-III,
January 2016, Page No. 46-56
Publ
Soci=
o-Economic
Development through Srimanta Sankardeva Sangha Arthik Vikash Somity: A Case
Study
Nitu=
Moni
Deka
Assistant
Teacher, Roumari Secondary School, Taptala, Morigaon, Assam, India
Abstr=
act
Micro finance is a term to describe financial se=
rvices
to low-income individuals or to those who do not have access to typical ban=
king
services. Micro finance is also the idea that low-income individuals are
capable of lifting themselves out of poverty if given access to financial
services. The history of micro finance can be traced back as to the middle =
age
of the 1800’s with the theorist of LYSANDER STOONER. But it was the end of
WORLD WAR II with the Marchell plan the concepts had a big impact. The today
use of the expression micro financing has its roots in 1970’s, when
organizations such as Grameen Bank of Bangladesh with the micro financing
pioneer MOHAMMAD YUNUS. In India there are different types of N.G.O’s,
organizations are established to developed the socio-economic condition of =
mass
people especially of women,s through micro finance and micro credit. Here we
would like to introduce the Srimanta Sankardev’s humanist philosophy in the
socio-economic development of Assam and its neighbouring regions. Basically=
his
renowned philosophy now-a-days propagate under the N.G.O.’s namely- Srimanta
Sankardeva Sangha which was established in 1930. It is the largest
socio-religious organisation in Assam, which aim is to the preservation,
restoration, research, promotion and the socio-economic development of the =
mass
people through micro financing strategy as a great influence on the diverse
ethenic communities inhabiting in Assam and N.E. region. Srimanta Sankardeva
Arthik Vikas Somity establishing 5th june 2008 is an attempt for=
the
upliftment of socio-economic condition of mass people irrespective of caste=
s,
religion, sex of diverse ethnic group of Assam and N.E. regions. Then after
Thrift and Credit co-operative society established in 2015 solely only for =
the
member of Srimanta Sankardeva Sangha also trying to their best for the
upliftment of socio-economic, educational, cultural development of the memb=
ers
of the Sangha.
My paper is an attempt to discuss the role of th=
ese
micro financing institution in the upliftment of socio-economic development=
of
the mass people in Assam and also in its neighbouring regions with an empir=
ical
study of Niz Gerua Sankar-Madhab Anchalik Shakha under Under Niz Gerua Gaon
Panchayat, Morigaon.
Key
Words: Sankaradeva, Micro-saving, Socio-economic development, Women, N.E.
Region.
Mahapurush
Srimanta Sankardeva, The great Assamese polymath: a saint, scholar, poet,
Playwright, social religious reformer and a figure of importance in the
cultural and religious history of Assam and India, was born into the Shirom=
oni
Bora Bhuyan family at Alipukhuri near Bordowa in present day Nagaon distric=
t in
c 1449. Infact he was a multidimensional genius, who transformed and modern=
ized
Assamese society with his egalitarian ideology and all these justify to call
him “SARVA GUNAKARA” by his most loyal disciple Madhavdev and other followe=
rs.
The New form of vaishnavisim known as “Eka-Sarana” propagated by him is a
unique humanist philosophy, where every one imerpective caste, creed, sex c=
an
sit together and thereby he paved the way for the greater nation building
process of Assamese society. Now-a-day his renowned philosophy popularized =
by
Srimanta Sankardev Sangha, established in 1930, is the largest socio-religi=
ous
organization in Assam. Its roots may be traced to the early 20th century wh=
ere
the great Sankardeva movement, afflicted with several ills, was in urgent n=
eed
of reform, primary focus of the Sangha remains on the propagation of the pu=
re
creed of Sankardeva at the grass roof level, putting an end to all class and
caste distinction along with other male-practices and of course putting an =
end
to the religious distortion of the Vaisnava faith.
The=
se are
the ideals which drive the Sangha in its endeavour to build a robust and
healthy society in Assam, marching forward in every sphere---- the vision of
Srimanta Sankardeva along with the aim is to preservation, restoration and
promotion of Sankardev humanist philosophy on the one hand and socio-econom=
ic,
educational, cultural development of Assam people through establishing
educational institution, organizing research work and setting up
micro-financial institution based on the ideology of Sankardeva “Mustidan”
system on the other.
The study of socio-economic development brought =
about
by Government through various scheme like MGNREGA, PRADHAN MANTRI JANA-DHAN
YOJANA and Non-Government organization through its various scheme has gain =
much
significance in our 21st century. However, inspite of these agency co-opera=
tive
effort made by socio-religious organization in form of micro financing
institution has proved to be path building in leading socio-economic
development among Nation. Micro finance refers to a variety of financial
service that target low-income individual or those who don’t have access to
traditional banking service due to their poor capital accumulation and lack=
of
banking service in remote areas. Micro finance is also based on the idea th=
at
low-income individual are capable of lifting themselves out of poverty if g=
iven
access to financial service which include savings, loan, insurance and
remittances.
=
The =
goals of
micro financial institution are:
1.&n=
bsp;
To improve =
the
quality of life of the poor by providing access to financial and support
service.
2.&n=
bsp;
To be a via=
ble
financial institution developing sustainable communities.
3.&n=
bsp;
Learn and
evaluate what helps people to move out of poverty faster.
4.&n=
bsp;
To create
opportunities for self-employment for the under privileged.
5.&n=
bsp;
To mobilize
resources in; order to provide financial and support services to the poor
particularly woman, for viable productive income generation enterprises
enabling them to reduce their poverty.
6.&n=
bsp;
To train ru=
ral
poor on simple skill and enable them to utilize the available resource and
contribute to employment and income generation in rural areas.
The =
history
of micro finance can be traced back as to the middle age of 1800’s with the
theorist of LYSANDER STOONER. But it was the end of World War II with March=
ell plan;
the concept had a big impact. In India history of micro finance dates back =
to
the establishment of Syndicate Bank in 1921 in private sector. During the e=
arly
years, Syndicate Bank concentrated on raising micro deposit in form of
daily/weekly basis and sanctioned loan to its client for shorter period of
time. But today use of the expression micro financing has its roots in 1970=
’s,
when organization such as Gramin Bank of Bangladesh with the micro financing
pioneer MOHAMMAD YUNUS came into focus. Now India, a huge number of holistic
programme covering all aspect of self-employment, training and credit has
operationalised with a view to eradiation of proverty in rural areas. These=
are
Integrated Rural Development Programme (IRDP 1980), Swarna Jayanti Grama sw=
arojgar
yojana (SGSY 1999), Training of Rural youth for self-employment (TRYSEM) et=
c.
The chief aim of these programmes is to establishing a large number of
micro-enterprises in rural areas in form of Self Help group.
Concept of Srimanta Sankardeva Aarthik Vikash So=
mity:
Bas=
ed the
ideology of Srimanta Sankardev’s “Mustidan” system where it is mandatory for
its every household to safe a little amount of rice with the sole view to
promote socio-economic development, throughout the society region, Srimanta
Sankardev Arthik Vikash Somity was established by Srimanta Sankardev Sangha=
in
1st June/2009 in Nagaon as a headquarter. It is a micro financing instituti=
on,
spreed all over the district of Assam. At present there are 15 branches 8 n=
ew
propose branch in the different district Assam has done their best in achie=
ving
the goal and objective of Srimanta Sankardeva AArthik Vikash Somity by micro
saving in form of daily/weekly/monthly mode.
The =
goal and
objective of S.S.A.V.A are –
- To improve t=
he
economic condiation of its member in accordance with cooperative socie=
ty
Act 1860.
- To establish=
a
society based on democratic socialism through micro saving system.
- To improve t=
he
socio-economic condition of its member by providing economic assistanc=
e in
form of loan in the sector like agriculture, village and cottage indus=
try
etc.
- To provide a=
dvice
help and supervise the self-employment activities by it member,
Now till to the 31-03-2014 its total capital is
6,11,17,166.00 under various scheme and more than 3 core rupees has been
sanctioned as a loan to its member.
Fund:
Fund to the S.S.S.A.V.A. has come from different
source there are –
i. Selling of share and
micro saving.
ii. State and central
government assistance.
iii. Assistance Nation=
al and
international agency.
iv. Financial support =
from
Bank like SBI, Co-operative Bank, NABARD
v. Other socio religion
organization.
Share
distribution:
For =
share
distribution membership are divided into hhree category For the category of=
A
it raise 50%, 30% for B and rest 20% for D. both for A and B one has to mem=
ber
of Srimanta Sangha and its Sakha Samitler, where C category is open for all=
well-wisher
of sangha. However in Feb. 2015 somity rename as Trift and credit-co-operat=
ive
society Ltd. and registered under Co-operative Society Act. Assam.
The Topic and Area of the Study:
The =
topic of
the study is socio-economic development through Srimanta Sankardev Aarthik
Vikash Somity (S.S.S.A.V.A): A case study of Niz Gerua Gaon Panchayat under
Laharighat development Block.
Laha=
righat
Development Block is one of the important development Block of Morigaon
district, whereas per census report 2011 total population is approximately
3,11,208 comprising twenty four (24) nos. of Gaon Panchayat. Out of these 24
nos. of Gaon Panchayat, Niz Gerua Gaon Panchayat is situated in the north-w=
est
of Morigaon district, which is a highly affected zone of flood and soil
erosion. Caused by almighty river Brahmaputra. It consist of 12 revenue
villages with the total population of 11,109 (as per census report 2011). T=
he
people living in the area of study are belongs to the Hindu religion who are
socio-economically backward and less conscious about the savings education =
and health
hazards. This may be due to the lack of sufficient financial service on the
part of government. It is also hot worthy to mention that, there is only one
nationalized Bank, which has to cover more than 150 villages. Perhaps, for =
this
reason a huge number of villagers has been debard from financial support and
service on the part of the Bank and there is a provision of taking part a V=
itol
role on behalf of micro financing institution on the upliftment of
socio-economic development of the area. However, different type of tribe li=
ke
Koach, Tiwa, Bodo, Nath, Namusudra, Bihari and upper caste Brahmin are
indigenous on habitant of the area, who live together sharing their respect=
ive
traditional culture and habit Srimanta Sankardeva Aartik Vikash Somity, sin=
ce its
inception on October 15, 2012 in Morigaon District as a branch office, it h=
as
made every possible step in socio-economic development of the entire distri=
ct.
At present it has more than 2200 account holder comprising 12 nos. of Ancha=
lik
Somity, wherever approximately 78 nos. of account holder belongs to Niz Ger=
ua
Gaon Panchayat area, who are socially and economically weak. The total capi=
tal
of Morigaon gaon branch till to the date of 31-03-2014 is 31, 84,479.00.
Objectives of the Study:
The basic objective of the study is as follows.<= o:p>
a)&n=
bsp;
To study the
impact of srimanta sankaradeva sangha aarthik vikas somity on the alleviation of proverty by econ=
omic
upliftment of weaker section of society.
b)&n=
bsp;
To analysis=
the
role of S.S.S.A.V.S. on the creation self- employment, income genereation and work culture.
c)&n=
bsp;
To study th=
e role
of S.S.S.A.V.S. on the creation consciousness among woman by empowering themselves.
d)&n=
bsp;
To study th=
e role
of S.S.S.A.V.S. on the eradication illiteracy and social mobilisation.
e)&n=
bsp;
To study th=
e role
of S.S.S.A.V.S on the development of sense of brothrerhood
among different community.
f)&n=
bsp;
To study th=
e role
of S.S.S.A.V.S. on the creation of health consciousness among mass specially
tribal people
Hypothesis:
In our study, the tentative statements are –
1.&n=
bsp;
S.S.S.A.V.S=
has
been able to create awareness among man especially Tribal people regarding
savings.
2.&n=
bsp;
Socio-econo=
mic
condition of the member of S.S.S.A.V.S. has been improved.
3.&n=
bsp;
S.S.S.A.V h=
as
been able in empowering woman in the field of socio-economic and educationa=
l.
Methology: Since,
the present survey has been confined to rural area with a view to complete =
the
work on the socio-economic status of the masses; we have used historical and
empirical method. We have collected data from both primary and secondary
sources. For collecting the required data from the primary sources we have
adopted observation, interview method and have used questionnaires as tool =
to
collect data.
Sec=
ondary
data have been collected from various sources like Niz Gerua Gaon Panchayat
office, Dept. economic and statistics, Morigaon, District office of
S.S.S.A.V.S, authorized agent of S.S.S.A.V.S local inhabitant, book, journal
etc.
Field Survey:
For our survey, we have selected 24 nos. of sample respondents whom we sele=
cted
by adopting the method of random sampling from the population of 12 nos. of
village.
Significance of the study: The area of our study is completely rural where
people are less conscious about saving, health, dietary food and education.
They are socio-economically backward and different type of male practices a=
nd
superstation prevail among themselves due to their ignorance or low level of
illiteracy. Through government has brought about various type praverty
alleavation programme like I.W.Y, MGNREGA, S.G.S.Y, Pradhanmantri Jan Dhan
Yojana, yet these are still able to touch these drown trodden people specia=
lly
tribal people of the area of our study. But with the inception of S.S.S.A.V=
.S
in October 15, 2012 within the entire area of study with their micro saving=
and
credit facility has able to empower the people to overcome their
antidevelopment element.
But=
no
study has been done till to date on the activities of S.S.S.A.V.S for findi=
ng
their role on the socio-economic development of our area of study so present
study carries great significance in this regard.
Profile of the Study Area:
|
Name of district |
Morigaon |
|
Name of Block |
Laharighat |
|
Name of area stud=
y |
Niz Gerua Gaon Pa=
nchayat |
|
Number of G.P |
1 (one) |
|
Total nos. of vil=
lage |
12 (twelve) |
|
Number of P.S |
1 (one) |
|
Revenue circle |
Bhuragaon |
Population (According to census report 2011):
|
Name
of G.P. |
Total Population |
Male |
Female |
S.C. male |
S.C. female |
S.T. male |
S.T female |
|
Niz Gerua |
11109 |
5699 |
5410 |
1157 |
1013 |
2040 |
1999 |
Household status of the area of study:
|
1. Pucca house |
20.25% |
|
2. Semi Pucca house |
18.67% |
|
3. Kutcha house |
61.8% |
|
Household with access to: |
|
|
1. Electricity |
68.37% |
|
2. Pure water (drinking) |
47.2% |
|
3. Sanitation facilities |
54.9% |
|
4. None of three |
9.14% |
Employment status:
|
Agriculture sector |
70.1% |
|
Business |
08.9% |
|
Service |
11.65% |
|
Wage Labour |
06.2% |
|
Fishery |
04.11% |
Educational Status:
|
Niz Gerua G.P. |
Male |
Female |
Total |
|
58.21% |
41.79% |
61.57% |
Analysis of the data: After collection of data in a systematic way it =
is
very important that it should be properly present in a required manner so t=
hat
it is acceptable to the society. Here in order to present the data collected
from primary source, we has use the following:
1.
Tabulation of data
2.
Descriptive presentation
=
1.1 Table Background data of the respondents:
|
Age |
Gender |
Caste |
Remarks |
||||||
|
0-25 |
25-50 |
50 above |
Male |
Female |
G |
OBC |
ST |
SC |
|
|
9 |
11 |
4 |
10 |
14 |
5 |
6 |
9 |
4 |
|
|
% |
% |
% |
% |
% |
% |
% |
% |
% |
|
|
37.5% |
45.83% |
16.67% |
41.66% |
58.33% |
20.83% |
25% |
37.5% |
16.67% |
|
Tab=
le 1.1
shows that 37.5 per cent respondents are below 25 of age. 45.58 per cent
respondents are in between 25 to 50 and remaining is above 50. 41.66 per ce=
nt
male respondents whereas 58.33 per cent are female respondents. We take this
study in a tribal majority area so 37.5 per cent are belonging from S.T., 1=
6.67
per cent from S.C. 20.83 per cent respondents belonging from general and
remaining 25 per cent are other backward caste.
1.2 Educational qualification of respondent:
|
Educational qualification |
Number |
Percentage |
|
Illiterate |
4 |
16.67 |
|
Primary |
5 |
20.84 |
|
Secondary |
11 |
45.84 |
|
Graduate/PG |
3 |
12.5 |
|
Vocational |
00 |
|
|
Total |
24 |
100 |
Table 1.2 we have show=
n the
literacy level in our study. From the table we have found that (on the basi=
s of
percentage calculation of respondent) 45.84% of respondent completed second=
ary
level education whereas no one has vocational education. 16.67% are illiter=
ate
among them majority are women.
=
1.2 Family type:
|
Family type |
Number |
Percentage |
|
Joint |
5 |
20.84 |
|
Nuclear |
19 |
79.16 |
|
Total |
24 |
100 |
Table 1.3 clearly shows that 79.16%=
of
the respondent has opted to live nuclear family where as 20.84% in joint fa=
mily.
1.3&=
nbsp; Family Planning consciousness:
|
Family Planning consciousness |
Number |
Percentage |
|
Yes |
5 |
20.83 |
|
No |
19 |
79.16 |
|
Total |
24 |
100 |
Table 1.4 shows family planning
consciousness among respondent. Majority 79.16% are less conscious regarding
small family size where as 20.83% have a strong consciousness among themsel=
ves.
1.4&=
nbsp; Occupational status:
|
Occupational
Status |
Number |
Percentage |
|
Agriculture
|
9 |
37.5 |
|
Govt.
service |
3 |
12.5 |
|
Wage
labour |
4 |
16.67 |
|
Self
employed |
7 |
29.17 |
|
Other
|
1 |
4.17 |
|
Total
|
24 |
100 |
Table 1.5 have shown occupational st=
atus
in our area of study where we have found that 37.5% belongs to the professi=
on
of agriculture whereas only 12.5% are govt. servant. However the percentage=
self-employed
has grown into 29.17% after joining S.S.S.A.V.S.
1.5&=
nbsp; Annual Income:
|
Annual
Income |
Number |
Percentage |
|
21000-60000 |
10 |
41.67 |
|
61000-100000 |
4 |
16.67 |
|
110000-150000 |
7 |
29.17 |
|
150000
above |
3 |
12.5 |
|
Total
|
24 |
100 |
Table 1.6 has shown the Annual Income =
of the
respondent. Here we have found that majority 41.67% respondent’s annual inc=
ome
is between 21000-60000 whereas only 12.5% are between the annual incomes of
110000-150000. It clearly gives a picture of the economic condition of our =
area
study due to poverty flood and skill less man power.
1.6&=
nbsp; Bank/Postal account holder:
|
Bank/Postal
account holder |
Number |
Percentage |
|
yes |
21 |
87.5 |
|
no |
03 |
12.5 |
|
Total |
24 |
100 |
Table 1.7 show that 87.5 per cent
respondents have bank or postal account whereas 12.5 per cent does not have=
any
account in bank or post office. One important findings of the study is that
most of the accounts are not active, they are only in name.
1.7&=
nbsp; Benefit received from S.S.S.A.V.S:
|
Benefit
received |
Number |
Percentage |
|
Yes |
16 |
66.66 |
|
No |
8 |
33.33 |
|
Total
|
24 |
100 |
Table 1.8 have shown benefit receive =
from
S.S.S.A.V.S, where it is clear that majority 66.66% respondent received loan
and other financial help whereas 33.33% yet not received any financial help=
.
1.8&=
nbsp; Income generation:
|
Income
generation |
Number |
Percentage |
|
Yes |
17 |
70.83 |
|
No |
7 |
29.17 |
|
Total |
24 |
100 |
Table 1.9 explain the income generation =
status
among respondent majority 70.83% believes after joining S.S.S.A.V.S their
income has been generating whereas 29.17% respondent yet has to raise.
<=
span
style=3D'font-size:5.0pt;mso-bidi-font-size:11.0pt'>
2.1
Economic development:
|
Economic
development |
Number |
Percentage |
|
Yes |
17 |
70.83 |
|
No |
7 |
29.17 |
|
Total |
24 |
100 |
In table 2.1 we have shown the econo=
mic
development created by S.S.S.A.V.S. Here it is clear that majority 70.83%
respondents are economically after their entry into S.S.S.A.V.S whereas 29.=
16%
are yet to be developing.
2.2
Saving consciousness:
|
Saving
consciousness |
Number |
Percentage |
|
Yes |
23 |
95.73 |
|
No |
1 |
4.16 |
|
Total
|
24 |
100 |
Table 2.2 explain the saving consciou= sness among the respondents after their joining on S.S.S.A.V.S. majority 95.83% respond= ent are conscious for saving whereas 4.16% are yet to be cove for S.S.S.A.V.S.<= o:p>
2.3
Woman empowerment (including male perception):
|
Woman
empowerment |
Number |
Percentage |
|
Yes |
21 |
87.5 |
|
No |
3 |
12.5 |
|
Total |
24 |
100 |
Table 2.3 explain woman empowerment th=
rough
S.S.S.A.V.S. in according to the male perception majority 87.5% believes in
woman empowerment by micro saving in the field of socio-economic and educat=
ion.
2.4 Health Conscious=
ness:
|
Health
Consciousness |
Number |
Percentage |
|
Yes |
22 |
91.66 |
|
No |
2 |
8.34 |
|
Total |
24 |
100 |
Table
2.4 we have shown health consciousness among respondent after joining into
S.S.S.A.V.S. Majority 91.66% are more and more conscious about health and o=
ther
form of elements or health hazard like use of alcoholic drink, high-caloric
meat etc.
2.5 Educational Upli=
ftment:
|
Educational
Upliftment |
Number |
Percentage |
|
=
Yes |
17 |
70.83 |
|
=
No |
7 |
29.17 |
|
=
Total |
=
24 |
=
100 |
Table 2.5 explain educational uplift=
ment
of the respondent after joining into S.S.S.A.V.S majority 70.83$ respondent
unable themselves for better study. In-fact a huge number able to continue
their study after breakup due to poor economic condition. However29.16% are=
yet
to be developed in education.
2.6 Promotion of Soc=
ial
Harmony and Ideology Sankardeva:
|
Perception
of Respondents |
Number |
Percentage |
|
Yes |
22 |
91.66 |
|
No |
2 |
8.34 |
|
Total |
24 |
100 |
Table 2.6 explained the attitude of =
the
respondent regarding promotion of social harmony and ideology of Srimanta
Sankardeva. Majority 91.66% respondents believed that social harmony and se=
nse
of brotherhood as propagated by the ideology of Srimanta Sankardev is very =
much
essential for the better socio-economic development among them, whereas only
8.34% have not concern about for the same.
Findings of the Stud=
y: From the above study following findings was foun=
d.
1)&n=
bsp;
The study a=
rea
mainly inhabited of economically educationally backward people especially
tribal people. Before function S.S.S.A.V.S saving, financial transaction wi=
th
bank is in a very low level and financial condition of people of the area is
pathetic. S.S.S.A.V.S crating consciousness among the people about savings
which is left aside by bank.
2)&n=
bsp;
S.S.S.A.V.S=
is
playing an important role in the development of economic and social status =
of
the people specially the rural woman by empowering economically self-suffic=
ient.
3)&n=
bsp;
S.S.S.A.V.S=
is
granting loan to the financial poor people in the sector like agriculture, =
self-employment,
house building, small business through which now people can develop the
economic condition.
4)&n=
bsp;
S.S.S.A.V.S=
is
not only help them in their financial side but also create consciousness in=
different
sector like social, educational, health etc.
5)&n=
bsp;
S.S.S.A.V.S
functioning in the development of education and spreading the ideology and
philosophy of great Sankardeva is indeed done great job in relevance to
removing the anti-social elements of the greater Assamese society and natio=
n.
6)&n=
bsp;
The concept=
of
S.S.S.A.V.S in not popularized as we observe in our field study. The main
reason according to the respondents is lack of publicity and dedication
S.S.S.A.V.S. hasn't able to cover the illiterate people.
7)&n=
bsp;
Micro finan=
ce is
very important for the development of rural poor people.
Suggestions:
1.&n=
bsp;
S.S.S.A.V.S=
is
doing well in the promoting of socio-economic development of the common peo=
ple
but need to include more area and people.
2.&n=
bsp;
Organized s=
ome
motivational programme to attract more people towards savings. They need to
create awareness among the people about the importance of savings.
3.&n=
bsp;
Govt. must =
also
provide financial help to expand its activities in more area.
4.&n=
bsp;
Need more
dedicated person who can actively and seriously perform their responsibilit=
ies
towards the socio-economic development of the rural people.
5.&n=
bsp;
Economic su=
pport
should be provide to S.S.S.A.V.S in form of capital on behalf of the wealthy
individual of the society.
6.&n=
bsp;
More and mo=
re
publicity work in form of seminar, workshop etc. should be organized among
masses for promoting attitude of savings.
7.&n=
bsp;
Suitable
incentive should provide to agent and stuff so that their motivation will
increase.
8.&n=
bsp;
Record shou=
ld be
computerized in lieu of manual record.
9.&n=
bsp;
Fast and
efficient task has to be made to recover loan.
10.&=
nbsp; Last but not least it is noteworthy to mention t=
hat
since Feb. 2015 S.S.S.A.V.S has merged to Thrift and credit Co-operative
society, which goal and objectives also to socio-economic development only =
for
the member of Srimanta Sankardev Sangha here our suggestion is to include a=
ll
the people irrespective of religion, caste, class and thereby a socio-econo=
mic
revolution within the entire Assamese society and N.E. Region.
Reference:
1.&n=
bsp;
Barkakoty, =
S.K.
“Mahapurush srimanta Sankardeva” Bani Mandir publication, Ghy, 2005
2.&n=
bsp;
Neog, Mahes=
war
“early history of Vaisnava faith and movement in Assam” Motilal Banarasi Das
publication, Delhi, 1980
3.&n=
bsp;
Sarmah, Anj=
ali,
“Among the luminaries in Assam: a study of Assamese biography”, Mittal
Publication, Delhi, 1990
5.&n=
bsp;
Baruah, Pra=
senjit
Bujar, 2009. Self Help Group and Asset Creation: A Case Study of Deharkuchi
Gaon Panchayat of Nalbari District, Assam. The micro-finance Review,
January-June, 1 (1), 183-197.
1.&n=
bsp;
Srinivasan,=
N.,
2009. Micro finance India-State of sector report 2008. New Delhi: SAGE Publ=
ications.
6.&n=
bsp;
Micro-Credit
Summit, 1997. The Micro-Credit Summit: Declaration and Plan for Action.
Washington, DC: Grameen Foundation.
7.&n=
bsp;
Mayoux, Lin=
da,
1997. Impact Assessment and Women‟s Empowerment in Micro-Finance
Programmes: Issues for a Participatory Action and Learning Approach. (mimeo=
).
Washington DC: Consultative Group to Assist the Poorest (CGAP).