Vol. 16, Issue 1, Jul-Dec 2023

Page: 1-7

SHGs and Women’s Economic Agency: Income-Generation, Savings Behaviour and Financial Independence in Lower Dibang Valley District

Reyom Ete, Dr. Dipoungpau Kamei

Received Date: 2025-11-17

Accepted Date: 2025-12-26

Published Date: 2026-01-10

In order to measure the economic changes that members of SHGs experience, the study analyzes their yearly income levels before and after they join. Improved livelihood options and diverse income sources are the reasons why SHG involvement is associated with a significant increase in yearly family income. Household financial management, access to credit, and savings rates were all rated higher by women. Institutional influences on mobilization and awareness were suggested by the fact that government agencies emerged as the main source of livelihood-related information, with community resource individuals and word of mouth following closely behind. The significance of social trust and peer networks was underscored when women were encouraged to join SHGs by the testimonies of current members and by the advantages that were clearly outlined. This research looks at how Self-Help Groups (SHGs) in the Lower Dibang Valley area of Arunachal Pradesh have helped women become more economically independent, save money, and earn more money. The research shows that SHGs are more than just a place to get microcredit; they are also catalysts for economic change by promoting things like financial education, business growth, and household savings. Women in the district have been more economically empowered via SHG membership, which has improved their control over income, spending choices, and long-term financial planning.

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