CONTENTS Foreword 16 Introduction - SHG numbers and trends 18 1.1 Literature Review 20 1.2 Theory behind Self help group : Micro credit . 23 1.3 Need for the study . 28 1.4 Conceptual Framework . 29 1.5 Limitations of the study 30 Design of the study 31 1.6 Choice of study Area. 31 1.7 Aim of the study 31 1.8 Objectives 31 1.9 Research question and broad themes 32 1.10 Methodology of the study . 32 1.10.1 Evolution of the Self Help Movement in Andhra Pradesh 33 1.10.2 Pal Vadadi Scheme . 38 1.10.3 Administrative Setup 40 1.10.4 Three tier structure of UNDP/ Velgu Project . 40 1.10.5 Aspects of the study 42 1.10.6 Research tools . 44 Chapter 4 : Sampling and data collection 49 1.11 Study sample . 49 1.11.1 Sampling - Ward level 49 1.11.2 Sampling - Settlement level 50 1.11.3 Selection of SHG 52 1.12 Data Collection . 52 1.12.1 Group discussions and interviews . 53 1.12.2 Field experience 53 1.12.3 Limitations 54 Sample profile: Wards, SHGs, SHPAs 55 1.13 City Profile 55 1.14 Ward Context 58 1.15 The Self Help Groups . 63 1.15.1 SHG manual guide 63 1.15.2 The SHG profile 64 1.16 The Self Help Group - Individual members Profile 74 Analysis 84 1.17 Occupational break up in IGA 84 1.18 Earnings received in IGA 86 1.19 Age of the member 87 1.20 Educational background 91 1.21 Community distribution 92 1.22 Typology of the house. 93 1.23 Loan received by the members . 94 1.24 Change in occupation after loan is received . 95 1.25 Household income of the members . 96 Success Case-studies 98 Cases for not involving in IGA 99 Conclusion . 100 1.25.1 Urban Community Development 102 1.25.2 Banks 103 Annexure 106 Works Cited