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The Development of Self-Efficacy Beliefs of Widowed and Abandoned Women Through Microcredit Self-Help Groups: The Case of Rural South India

ABSTRACT Widowed or abandoned women are among the poorest and marginalized people in Indian society. In an effort to empower these women to achieve a sustainable livelihood and overcome discrimination related to marital status and caste, a local nongovernmental organization, Kalangarai, organized widows and abandoned women into microcredit self-help groups (SHGs) along the Southeast coast of India. This mixed-methods study examines the effects of microcredit SHG training and facilitation on the perceived self-efficacy of widowed or abandoned women in the groups (N = 64). Data were collected on SHG training, facilitation, self-efficacy, well-being, and caste discrimination. Regression results indicate that participation in SHG trainings and having more intensive staff facilitation significantly impacted the women's perception of self-efficacy. These findings suggest that the microcredit SHG structure can be utilized to spark a transformative process for women to collectively gain power and political voice. Further implications for advocacy, scholarship, and program design are discussed.