Vol. 7, Issue 1, Part D (2021)

Abstract
Over a decade the initiative of Joint Liability Group (JLG) brought relief to marginal sections of the society through collateral free credit operated through group lending mechanism. In addition to this JLG act as a catalyst for the expansion of assets and capabilities of these people and there by empower them socially and economically. Hence the present paper attempts to assess the effectiveness of group lending on the social and economic empowerment of the JLG members. The study is primarily based on primary data collected from 100 Joint Liability Group members through structured interview schedule. Percentages, indices and paired t test were used for analysis of the data. The study was found that group lending through Joint Liability group was effective in improving socio economic empowerment of its members.