This paper aims to study the determinants of repayment performance of self-help groups in India’s Uttar Pradesh state, which has one of the highest numbers of defaulting self-help groups. The study is based on primary data collected in 2017 through a field survey covering 300 members across 100 self-help groups from the rural areas of Sultanpur and Faizabad districts. The survey reveals an overall repayment rate of about 55% with better pay-back performance seen among members of old self-help groups. The results, computed with the help of the Tobit model, show that factors such as group maturity (age of the group), ratio of family workers to household size and household income are negatively associated with the incidence of delinquency while peer group pressure and social ties associate positively with delays and overdues.

本文旨在研究印度北方邦（Uttar Pradesh）的自助团体的还款表现的决定因素，该邦是违约自助团体中数量最多的国家之一。该研究基于2017年通过实地调查收集的主要数据，该调查涵盖了来自苏丹丹普尔和法萨巴德地区农村地区100个自助团体的300名成员。调查显示，总的还款率约为55％，老自助小组成员的还款表现更好。借助Tobit模型计算的结果表明，诸如组成熟度（组的年龄），家庭工人与家庭人数的比率以及家庭收入等因素与犯罪的发生率负相关，而同伴群体的压力和社会联系与拖延和过度相关。