摘要：Micro-finance, through micro-credit has emerged as the biggest women's empowerment strategy for low-incomegroups across India. Besides the SHG-Bank linkage programme gaining success in the country, the MFIs are playing appreciableroles in providing micro-credit to SHGs, in collaboration with the government, NGOs and social organizations. But experiencesat the micro-level of SHGs tell us that micro-finance is not always being effective in poverty alleviation and the questions beingaddressed here are related to financial practices within SHGs and knowledge of credit usage. The study looks at the moneymanagement practices of women SHG members, who were users of micro-credit through an MFI called Grameen Koota inKarnataka. On the basis of the findings that revealed limited knowledge of the women regarding value for savings, cash flowmanagement, capital formation and account keeping, financial literacy modules were developed for empowerment of SHGmembers, one of which has been presented in this study in detail
关键词：Micro Finance Institution (MFI). Self Help Group (SHG). Credit. Financial Literacy. Women's Empowerment
