A STUDY ON THE EVALUATION OF GOVERNMENT SCHEMES FOR SHGS IN NAGALAND: EFFECTIVENESS AND CHALLENGES

Self-Help Groups (SHGs) have emerged as a vital tool for socio-economic empowerment, particularly in rural areas. In Nagaland, government schemes aimed at strengthening SHGs play a crucial role in promoting financial inclusion, entrepreneurship, and community development. This study evaluates the effectiveness of various government schemes supporting SHGs in Nagaland, assessing their impact on economic sustainability, capacity building, and poverty alleviation. Additionally, it identifies key challenges such as inadequate funding, bureaucratic delays, lack of financial literacy, and limited market access that hinder the optimal functioning of SHGs. The findings highlight the need for policy enhancements, better implementation strategies, and increased community participation to improve the overall efficiency of SHG programs. Addressing these challenges will help maximize the potential of SHGs in fostering inclusive growth and sustainable development in Nagaland.