DOI: 10.36347/sjahss.2016.v04i06.011

Pages: 686-699

The Swarnajayanti Gram Swarojgar Yojana (SGSY) scheme was introduced with the aim to alleviate poverty with a view to assisting the poor to bring them above the poverty line. The study is conducted to analyze seasonal variations in the quantitative time series data in micro credit performance of banks under SGSY scheme in the Dibrugarh district of Assam. The study uses the secondary sources of data. Statistical tools for the present study include compound annual growth rate, trend analysis, Pearson correlation coefficients and ANOVA for regression. It is inferred from the testing of hypothesis that banks operating in Dibrugarh district did not grant credit according to credit target fixed for the period 08-09 to 12-13. It is observed from the study that there is much variation in the growth of number of SHGs formed and amount of revolving fund received, revolving fund released, loan sanctioned, subsidy released and loan /Subsidy disbursement during third quarter 08-09 and second quarter 12-13 due to human forces. The econometric analysis of seasonal variation in micro credit performance of banks under SGSY reveals that that the majority of the F scores for the regression coefficients for each model are found to be statistically significant which in turn implies the overall significance of the model concerned. The cubic model is considered on the ground that the R square value of cubic model is greater than the other forms of models. Thus, cubic model fits the micro credit performance of banks in the time series data.