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Customer Satisfaction on SHG Loans - A Case Study On APCOB
Subject area: Management and Commerce · Area of research: Banking and Finance
DOI: https://doi.org/10.64388/IREV9I10-1716882
Abstract
In India, Self-Help Groups (SHGs) have emerged as one of the most effective tools for advancing rural development, women's empowerment, and financial inclusion. These organizations unite women from comparable socioeconomic situations to pool their savings and support one another financially. Women who join SHGs have access to finance options that enable them to launch small enterprises, increase their income, and become financially independent. By providing loans and financial support for income-generating activities, the Andhra Pradesh State Cooperative Bank (APCOB) significantly contributes to the growth of the Self-Help Group (SHG) movement. APCOB's initiatives help raise rural women's living standards and promote community self-sufficiency. The goal of the study "Customer Satisfaction on SHG Loans – A Study on APCOB" is to assess how satisfied SHG members are with the bank's loan services and how these services affect their social and economic growth. 53 SHG members who took loans from APCOB provided primary data for the study. To readily interpret the results, the acquired data was examined using basic statistical methods like percentages and tabular presentation. Additionally, they were pleased with the fair interest rates, prompt help from bank employees, and the helpful function of field officers. Positive benefits like increased family income, improved saving practices, business growth, and increased financial confidence were reported by numerous SHG members. The report did note several difficulties with the SHG loan procedure, though. Long paperwork, loan sanctioning delays, and the need for further financial literacy training were among the problems raised by respondents. Overall, the study shows that APCOB's SHG loan program significantly improves rural women's socioeconomic circumstances. In addition to assisting with revenue generation, APCOB promotes women's independence and self-assurance by offering easily accessible and reasonably priced financing.
Keywords
Self Help Groups, Customer Satisfaction, APCOB, Cooperative Banking, Women Empowerment.
How to cite this paper
@article{1716882,
author = {Keerthana Pallekonda, Dr. T. Prameela},
title = {Customer Satisfaction on SHG Loans - A Case Study On APCOB},
journal = {Iconic Research And Engineering Journals},
year = {2026},
volume = {9},
number = {10},
pages = {3192-3204},
issn = {2456-8880},
url = {https://www.irejournals.com/formatedpaper/1716882.pdf},
abstract = {In India, Self-Help Groups (SHGs) have emerged as one of the most effective tools for advancing rural development, women's empowerment, and financial inclusion. These organizations unite women from comparable socioeconomic situations to pool their savings and support one another financially. Women who join SHGs have access to finance options that enable them to launch small enterprises, increase their income, and become financially independent. By providing loans and financial support for income-generating activities, the Andhra Pradesh State Cooperative Bank (APCOB) significantly contributes to the growth of the Self-Help Group (SHG) movement. APCOB's initiatives help raise rural women's living standards and promote community self-sufficiency. The goal of the study "Customer Satisfaction on SHG Loans – A Study on APCOB" is to assess how satisfied SHG members are with the bank's loan services and how these services affect their social and economic growth. 53 SHG members who took loans from APCOB provided primary data for the study. To readily interpret the results, the acquired data was examined using basic statistical methods like percentages and tabular presentation. Additionally, they were pleased with the fair interest rates, prompt help from bank employees, and the helpful function of field officers. Positive benefits like increased family income, improved saving practices, business growth, and increased financial confidence were reported by numerous SHG members. The report did note several difficulties with the SHG loan procedure, though. Long paperwork, loan sanctioning delays, and the need for further financial literacy training were among the problems raised by respondents. Overall, the study shows that APCOB's SHG loan program significantly improves rural women's socioeconomic circumstances. In addition to assisting with revenue generation, APCOB promotes women's independence and self-assurance by offering easily accessible and reasonably priced financing.},
keywords = {Self Help Groups, Customer Satisfaction, APCOB, Cooperative Banking, Women Empowerment.},
month = {April},
doi = {https://doi.org/10.64388/IREV9I10-1716882}
}