The better debtor? Decline in default on credit given to women-led groups

NPAs as a percentage of total loans given to women-led SHGs in January 2018 dropped to 2.55% from a high of almost 26% before bank linkages were introduced under NRLM around 2013

At a time when the overall banking sector is grappling with the problem of bad loans, official data holds out hope in at least one segment — largely unorganised self-help groups (SHGs) led by women and engaged in small-scale economic activity.
 
Non-performing assets (NPAs) as a percentage of total loans given to these SHGs in January were 2.55 per cent, down from a high of almost 26 per cent before bank linkages were introduced under the National Rural Livelihood Mission (NRLM) in 2013.
 
If both pre- and post-NRLM periods are taken together, NPAs as a percentage of total