1 Self Help Group SHG is a self-managed institution of 10-20 members, based on common interest & affinity for socio-economic improvement of their members. MANSHA RUDLABS (Rural Development Labs)
SHG Concept
Nov 08, 2014
Welcome message from author
This document is posted to help you gain knowledge. Please leave a comment to let me know what you think about it! Share it to your friends and learn new things together.
Transcript
1
Self Help Group
SHG is a self-managed institution of 10-20 members, based on common interest & affinity for socio-economic improvement of their members.
MANSHA RUDLABS (Rural Development Labs)
2
WHY SHG ?WHY SHG ?
To Organize WomenTo Organize Women Enhance Participation LevelEnhance Participation Level To inculcate saving habitsTo inculcate saving habits Based on Principles of Coop.Based on Principles of Coop. Suitable Platform for womenSuitable Platform for women Enhance capacities of WomenEnhance capacities of Women Successful baseSuccessful base
MANSHA RUDLABS (Rural Development Labs)
3
UNFOLDING SHG UNFOLDING SHG STAGESSTAGES
Thrift & CreditThrift & Credit
Social OrientedSocial Oriented
Micro-Micro-enterprisesenterprises
MANSHA RUDLABS (Rural Development Labs)
4
Objectives
To create an appropriate & sensitive forum for addressing the need of people
To inculcate saving habits in the community
To generate the sense of collective action
To improve socio-economic status
To access the outside resourcesMANSHA RUDLABS (Rural
Development Labs)
5
SELF HELP GROUP LEARNINGS
INDIAN FARM FORESTRY DEVELOPMENT COOPERATIVE LTD
Group should be within ward area. Economic homogeneity is rather more important
than caste. Group leadership leads to community leadership. women become economically viable segment of
their family. Group must have develop a vision for long-term
association. Trainings & Exposures has a greater role. Training designed for confidence & mutual trust
building aspects.
MANSHA RUDLABS (Rural Development Labs)
6
Functions of S.H.G.
Conducting half monthly meetings at specified time and venue fixed by members.
Savings.
Loaning & Repayment.
Maintaining books of account & records.
Members oriented Action Programmes.
Liaison & Linkages with FI/Gos/other agencies.
Training & Capacity building.
MANSHA RUDLABS (Rural Development Labs)
7
Structure of SHG
10-20 members
3 representatives (Jankar) for minimum
one year
Chairperson (rotational basis) for each meeting
MANSHA RUDLABS (Rural
Development Labs)
8
Rules and regulations• Meeting frequency per month.
• Savings amount per month.
• Quorum (Minimum 70 Percent)
• Rate of Interest on:
o Internal Loan.
o Bank Loan.
• Repayment Period
o Internal Loan &
o Bank Loan
• Rules in case of Withdrawal from Group.
• Rules for Joining of New Member.
(Contd.)MANSHA RUDLABS (Rural Development Labs)
9
Rules in case of Withdrawal from Group.
Rules for Joining of New Member.
Rules for changing of Nominated Member (Sahyogi)
Fine
Related to not attending the meeting
Irregular saving.
Non – Repayment of loan on time.
Rules for Loan on savings.
Rules for Bank Transaction.
Rules for Membership.MANSHA RUDLABS (Rural
Development Labs)
10
Fund
Total fund includes saving fund + development fund (vikas kosh)
Saving fundSaving fund Development FundDevelopment Fund
(Vikas kosh)(Vikas kosh) Regular SavingRegular Saving Voluntary Voluntary savingssavings
Group fundGroup fund Interest (bank + loan)Interest (bank + loan) PenaltyPenalty Membership feesMembership fees GrantGrant ContributionContribution
MANSHA RUDLABS (Rural Development Labs)
11
Advantages of Advantages of SHGsSHGs
InitiativeInitiativeResponsibilityResponsibilityOwnershipOwnershipCapacity BuildingCapacity BuildingSelf confidence $ self esteemSelf confidence $ self esteemMutual helpMutual helpAccess to larger pool of Access to larger pool of resourcesresourcesChannel of functioningChannel of functioningMANSHA RUDLABS (Rural
Development Labs)
12MANSHA RUDLABS
(Rural Development Labs)
Related Documents
