APPENDIX-I INTERVIEW SCHEDULE FOR INDIVIDUAL MEMBERS (THIS INFORMATION WILL BE USED SOLEY FOR RESEARCH PURPOSE) I Personal Profile 1. Name of the SHG : 2. Zone / Divisions : 3. Name of the member : 4. Husband’s / Father’s Name : 5. Age (completed years) : 6. Religion : Hindu Muslim Christian Others 7. Mother Tongue : Tamil Telugu Hindi Others 8. Community : OC BC MBC SC/ST 9. Educational Qualifications : Illiterate Up to Primary Upto 10 th Std. Up to Hr. Sec Degree 10. Marital Status : Married Unmarried Widow Separated 11. Nativity : Chennai origin Near by Chennai Other part of TN Others 12. Family Type : Nuclear Joint Others 13. House Hold size : 1 2-4 5-7 8 & above 14. Type of House: : Thatched Asbestos Concrete House Others 15. State the monthly Income of your Family: Below 5000 , 5001-1000 , 10001-15000 , and above 15000 16. Nature of the group Activities Choose your sources of Income 1. Embroidering 2. Fish Vendor 3. Confectionary(Snacks) 4. Masala Preparation and Sales 5. Consignment of saree sales
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APPENDIX-I
INTERVIEW SCHEDULE FOR INDIVIDUAL MEMBERS (THIS INFORMATION WILL BE USED SOLEY FOR RESEARCH PURPOSE)
I Personal Profile
1. Name of the SHG :
2. Zone / Divisions :
3. Name of the member :
4. Husband’s / Father’s Name :
5. Age (completed years) :
6. Religion :
Hindu Muslim Christian Others
7. Mother Tongue :
Tamil Telugu Hindi Others
8. Community :
OC BC MBC SC/ST
9. Educational Qualifications :
Illiterate Up to Primary Upto 10th
Std.
Up to Hr. Sec Degree
10. Marital Status :
Married Unmarried Widow
Separated
11. Nativity :
Chennai origin Near by Chennai Other part of TN
Others
12. Family Type :
Nuclear Joint Others
13. House Hold size :
1 2-4 5-7 8 & above
14. Type of House: :
Thatched Asbestos Concrete House Others
15. State the monthly Income of your Family:
Below 5000 , 5001-1000 , 10001-15000 , and above 15000
16. Nature of the group Activities Choose your sources of Income
1. Embroidering
2. Fish Vendor
3. Confectionary(Snacks)
4. Masala Preparation and Sales
5. Consignment of saree sales
6. Jute basket spinning
7. Fruits Vendor
8. Share Auto Business
9. Waste paper Mart
10. Juice Centre
11. Iron scrap collection and sales
12. Cane water sales
13. Napkin Making and Sales
14. Bamboo Basket Making
15. Painting
16. Centering Work
17. Flower Vendor
18. Vegetable Vendors
19. Crèches
II Functioning and Working of SHGs (Indicate your opinion)
Functioning and Working of SHGs SA A N D SD
1 Conduct of Meeting
Meeting is conducted regularly
Members attend meeting with spirit and involvement
There is no absenteeism in attending the meeting
Proper action is taken against the default to fails to attend
the meeting
I am attending meetings regularly
2 Record of Proceedings
Documentation is done in order
Minutes are recorded
There is a checking and review of Accounts
Recording of Accounts as per the guidelines
I am involved in recording of proceedings
3 Transparency
There is an access to the Document of the group
Exercise of duties and responsibilities is in order
Calculations and Computation is clear and understandable
Objectives of the SHGs are clearly explained
I am capable of answering the questions related to SHGs
4 Formation and Management of SHGs
I have knowledge on initiating the formation
I know the procedures for formation
I am very much clear about the regulations of SHGs
I am aware of general function of SHGs
Procedure for repayment is well understood
III MEASURES OF EMPOWERMENT
A. Economic Empowerment
A1. State your Monthly Income
A. Before
Membership
Tick B. After
Membership
Tick
Below Rs. 2000 Below Rs. 3000
2001-3000 3001-4000
3001-4000 4001-5000
Above 4000 Above 5000
A2. State your Expenditure Incurred on the following before and after Membership
Indicate your options (Basic Needs).
A. Before Membership Tick B. After Membership Tick
Basic
Needs
1 Food
Below Rs. 2000 Below Rs. 2000
2001-3000 2001-3000
3001-4000 3001-4000
Above 4000 Above 4000
2 Housing
Below Rs. 2000 Below Rs. 2000
2001-3000 2001-3000
3001-4000 3001-4000
Above 4000 Above 4000
3 Clothing
Below Rs. 2000 Below Rs. 2000
2001-3000 2001-3000
3001-4000 3001-4000
Above 4000 Above 4000
A3. Expenditure Incurred (OTHER)
Particulars SA A N D SD
Education ( Become Capable to spend on education)
Entertainment ( Become Capable to spend on Entertainment )
Use of Transport (Become Capable to use Transport)
Scope for increase in income generation in future
Asset creation is possible
B - SOCIAL EMPOWERMENT
1 Community Participation SA A N D SD
Knowledge for Community Participation
Ability to move with society
2 Social Reasoning
Understanding Expectations
Living by reasoning
3 Social Analysis
Knowledge for social Analysis
Knowledge for the optimum use of resources
4 Health and Hygienic Practice
Knowledge on Health and hygienic practices
Sense of Possessing Essentials for living (Toilet Facilities,
Drinking water, Electricity, Drainage facilities)
5 Culture and Civilization
Sense of ideal understanding of different culture and
Civilization
Knowledge on Cultural and Civilization
C - AWARENESS CREATION
1 Knowledge on Schemes SA A N D SD
Knowledge on Govt. Schemes
Knowledge on Insurance facilities
2 Knowledge on Rights and privileges
Knowledge on constitutional rights
Knowledge on civil rights
3 Knowledge on Development
Knowledge on political environment
knowledge on pollution Control
4 Knowledge on Employability
Creation of reasoning power
Knowledge on progressive thoughts
5 Knowledge on integration and survival
Knowledge on social evils
Understanding the importance of Professional Development
D- SKILLS AND COMPETENCY
1 Managerial Skills SA A N D SD
There is an acquisition of Managerial Skills
Application of managerial Skills is learnt
2 Coordination and control
Effect of coordination and control is understood
There is an improved application of Coordination and Control
3 Leadership Qualities
Qualities like Initiation, interaction, flexibility, Adaptability,
Adjustability acquired
Acquired the traits of good consultant
4 Group Dynamism
Effect of Group Interaction is understood
Decision Making ability acquired
5 Communication
Able to have effective communication
Animating nature developed
E. STATE THE RANGE OF YOUR SAVINGS PER MONTH
Before Membership Tick After Membership Tick
Less than 200 Less than 200
201-300 201-300
301-400 301-400
401-500 401-500
500 and above 500 and above
IV FACTORS FOR THE SUCCESS OF SHGs
FACTORS SA A N D SD
Good Management and Animation 5 4 3 2 1
Proper Training and Guidelines
Interest and Attitude
Stimulation and Encouragement
Best source of Income
Scope to reach the greater height
V PROBLEMS FACED BY SHGS AND ITS MEMBERS (EXTERNAL
PROBLEMS) IN GETTING LOANS
S.No. FACTORS SA A N D SD
1 Too much of procedures 1 2 3 4 5
2 Heavy interest rates
3 Unsuitable working hours
4 No proximity of Banking centre
5 Officials are not friendly and encouraging
6 Excess of margin money asked for
7 No timely disbursement of Loan
8 Incurrence of heavy transaction cost
VI CONSTRAINTS OF SHGS AND ITS MEMBERS
S.No. FACTORS SA A N D SD
1 Lack of co-operation and Co-ordination
2 Insufficient documentation
3 Low Operating Skills
4 Less understanding of Regulations
5 Ignorance
6 Unfamiliarity of banking Habits
7 Communication problem
8 Lack of Leadership Qualities
VII CAUSES FOR DELAYED REPAYMENT OF LOANS
S.No. FACTORS SA A N D SD
1 Delayed collection from members
2 Low level of marketability
3 Lethargy
4 Improper utilization of funds
5 Not adhering to the purpose of loan
VIII Assistance received from NGOs / Mahalir Thittam Office
S.No. FACTORS SA A N D SD
1 Assistance by Initiation is good
2 Assistance by Mediation is good
3 Assistance by encouragement and support is
remarkable
4 Assistance by training is useful
5 Assistance in getting Loan is appreciable
6 Assistance in getting raw materials
7 Assistance in capacity building
8 Assistance for participation
9 Strengthens decision making
10 Promotes Marketability
IX Opinion on Services of the banks
FACTORS SA A N D SD
There is an adequacy of loan level
Loan is granted on time (timeliness)
No. of days taken for sanctioning the loan is very much minimum
There is a reasonable flexibility in recovering the loan
Duration for repayment is sufficient
X Number of times Loan borrowed
One / Two / Three / Four / More than Four
XI Types of ownership of SHGs-Business
a. Proprietorship b. Partnership
XII Sources for Knowledge of SHGs
Nearby SHGs
Through NGO
Through Govt. Officials
Through friends
Through the local leaders
XIII Reasons for Joining and continuing in SHGs
a. Survival
b. Growth and development
c. Awareness
e. Motive of earning money
f. Social gathering
g. Social understanding
h. Institutional knowledge
1 | P a g e
2 | P a g e
3 | P a g e
4 | P a g e
5 | P a g e
6 | P a g e
7 | P a g e
8 | P a g e
9 | P a g e
10 | P a g e
11 | P a g e
12 | P a g e
13 | P a g e
14 | P a g e
15 | P a g e
16 | P a g e
17 | P a g e
18 | P a g e
19 | P a g e
20 | P a g e
21 | P a g e
22 | P a g e
23 | P a g e
24 | P a g e
25 | P a g e
26 | P a g e
27 | P a g e
28 | P a g e
29 | P a g e
30 | P a g e
31 | P a g e
32 | P a g e
Table 2.4 TONDIARPET – Zone I
Name of SHGs Area of SHG
Animator Name
Rep1-Name
Rep2-Name
Cluster Co-
ordinator Name
Name of the NGO
Bank Name
Location of
Branch Date of
Incorporation Account No
Thazhamboo
KO.SI.Mani Nagar
Amala
Santhosam Balasuguna Prema Jeyalakshmi MCDS Indian Bank Sterling road 12-01-2000 401360253
Malligai
Kodungaiyur (West) Kasthuri Malarvizhi Kuppamma Kalavathi SEEDS Bank of India Adyar 02-01-2001 7371
Puzhal gramam
Kodungaiyur (West) Mangaleswari Devi Seethalakshmi Arulselvi Jeevajothi Bank of India Kodungaiyur 03-02-2001 7447
Roja Vyasarpadi (S) Krishnaveni Usha Mala Beejakumari
PCSC SBI Otteri 27-12-2001 30003034976
Malligai
Dr.Radhakrishnan
Nagar (s) Dhanaguru Govindammal Seetha PCSC CCC-Bank Velachery 09-03-2002 5
Thamarai
Kodungaiyur (west) Sankari
Vijayalaklshm
i Jothi muthu Kalavathi PCSC Bank of India Adyar 27-03-2002 8504
Suriyagandhi-sjsy
Dr.Radhakrishnan
Nagar (n) Eswari Tamilselvi Santhi
Veeramuruga
n PCSC Dena Bank Tondiarpet 27-04-2002 12991
Jasmine
Kumarasamy Nagar
(s) Mazooda Santhi Chitra Kaingkarya CCC-Bank Velachery 07-05-2002 23
Vaigai
Kumarasamy Nagar
(s) Devayanai Vijaya Chitra PCSC Indian Bank Koyambedu 07-05-2002 21024
Thamarai
Kumarasamy Nagar
(s) Immaculate Meena Chitra MSSDS CCC-Bank Velachery 07-05-2002 39