摘要：Micro finance is emerging as a powerful tool to make the target group as selfsufficient. Women empowerment, self reliance and sustainability are the widely discussed topic all over the world. The SHG micro credit programme has been successful not only in meeting financial needs of the marginalized women but also in strengthening the collective self help capacities of the poor, leading towards selfdependency and economic empowerment. It has been acknowledged in enumerable studies that the economic empowerment of women has a significant positive impact on the poverty alleviation and sustainable economic growth in the country. Therefore the Government of India has implemented various schemes for poverty alleviation, empowerment of poor women folk, creation of self-employment opportunities and promotion of small scale industries. In fact this showed the way to SHGs formation, mobilization and organization in India. The scheme of micro financing through Self Help Groups (SHGs) has transferred the real economic power in the hands of women and has considerably reduced their dependence on men. This has enhanced empowerment of women, promoted gender equality, built self-confidence and created self-employment opportunities. A sample study has been carried out to capture the realistic experiences and observations from the beneficiaries of SHG (under NGOs) of Kanyakumari District and particularly from 9 blocks and 4 municipalities.
