Challenges Faced by Self-Help Groups (SHGs) in Karnataka: A Special Reference to Chikkaballapur District

Abstract

Self-Help Groups (SHGs) are key drivers of rural development, financial inclusion, and women’s empowerment in India. Karnataka, particularly the Chikkaballapur district, has seen significant growth in SHG initiatives. However, SHGs in this region face operational, financial, and socio-economic challenges that limit their effectiveness. This study adopts both qualitative and quantitative approaches, using statistical tools such as regression analysis, descriptive statistics, and SWOT analysis to assess the performance and challenges faced by SHGs. The findings highlight major issues, including inadequate access to credit, weak leadership, and insufficient market linkages. The paper provides recommendations for improving SHG sustainability and enhancing their impact on rural development.