1. Self Help Group
SHG is a self-managed institution of members, based on common interest & affinity for socio-economic improvement of their members.
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2. WHY SHG ? To Organize Women Enhance Participation Level
To inculcate saving habits
Based on Principles of Coop.
Suitable Platform for women
Enhance capacities of Women
Successful base
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3. UNFOLDING SHG STAGES Thrift & Credit Social Oriented Micro-enterprises
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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 resources
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5. SELF HELP GROUP LEARNINGS
SELF HELP GROUP LEARNINGS
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.
Major Learnings: -
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.
INDIAN FARM FORESTRY DEVELOPMENT COOPERATIVE LTD
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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.
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7. Structure of SHG · 10-20 members
· members
· 3 representatives (Jankar) for minimum
one year
· Chairperson (rotational basis) for each meeting
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8. Rules and regulations Meeting frequency per month.
Savings amount per month.
Quorum (Minimum 70 Percent)
Rate of Interest on:
Internal Loan.
Bank Loan.
Repayment Period
Internal Loan &
Bank Loan
Rules in case of Withdrawal from Group.
Rules for Joining of New Member.
(Contd.)
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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.
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10. Fund Total fund includes saving fund + development fund (vikas kosh)
Saving fund
Development Fund
(Vikas kosh)
Regular Saving
Voluntary savings
Group fund
Interest (bank + loan)
Penalty
Membership fees
Grant
Contribution
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11. Advantages of SHGs Initiative Responsibility Ownership
Capacity Building
Self confidence $ self esteem
Mutual help
Access to larger pool of resources
Channel of functioning
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12.
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