Cultivating Inclusive Entrepreneurship: The Transformative Power Of Self-Help Groups In Empowering Tribal Women Of Kerala

Abstract

This study examines the influence of self-help groups (SHGs) on entrepreneurial success among tribal women in Kerala, focusing on the effects of varying SHG participation levels, the role of empowerment, and the mediating influence of financial literacy. A one-way ANOVA revealed that the level of SHG participation (Low, Moderate, High) significantly affected entrepreneurial success scores, F(2, 286) = 15.23, p < .001, partial η² = 0.10. Correlational analyses indicated a strong positive relationship between the number of SHG training sessions and entrepreneurial success (r = 0.48, p < .001), which persisted even after controlling for age (partial r = 0.45, p < .001). Multiple regression results showed that SHG participation and empowerment together explained 36% of the variance in entrepreneurial success (R² = 0.36), with both predictors remaining statistically significant (p < .001). A mediation analysis demonstrated that financial literacy partially mediated the relationship between SHG participation and entrepreneurial success, with an indirect effect of 0.15 (95% CI: 0.10–0.22). These findings highlight the pivotal role of SHGs as platforms for capacity building, empowerment, and skill development. By fostering financial literacy and providing structured support networks, SHGs emerge as critical catalysts in promoting sustainable entrepreneurship and inclusive socio-economic advancement among tribal women.