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Shg’s.rt (2)
 

Shg’s.rt (2)

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    Shg’s.rt (2) Shg’s.rt (2) Presentation Transcript

    • Presented By- Rekha Tiwari
    •  In 1970, Ilaben Bhat, founder member of ‘SEWA’(Self Employed Women’s Association) in Ahmadabad, had developed a concept of ‘women and micro-finance’. The Annapurna Mahila Mandal’ in Maharashtra. ‘Working Women’s Forum’ in Tamilnadu. Since 1987 ‘Mysore Resettlement and Development Agency’ (MYRADA) has promoted Credit Management Groups (CMGs). CMGs are similar to self-help groups. In 1991-92 NABARD started promoting self-help groups on a large scale. And it was the real take-off point for the ‘SHG movement’. In 1993, the Reserve Bank of India also allowed SHGs to open saving accounts in banks.
    • Why SHGs….? More than 27% of rural population lives below poverty line. Most of them have no access to banking system. Formal credit system not able to reach unreached. Gender issues needed to be addressed.
    • SHG’s Group (SHG) is a A Self-Help registered or unregistered group of micro entrepreneurs having homogenous social and economic backgrounds, voluntarily coming together to save regular small sums of money, equally agreeing to contribute to a common fund and to meet their emergency needs on the basis of joint help.
    • BASIC FEATURES OF SHG  Small- homogenous group of 10-20 peoples.  Registered or unregistered.  Has a code of conduct rules and regulations for effective administration.  Maintenance of simple books.  Participatory Decision making Process.  Mobilises Local Resources through regular savings.  Plans own Programme with own Resources.
    • PRINCIPLES OF SHG 1. Interaction / Meetings / Reflection / Analysis and Action. 2. Regular Savings. 3. Trust in one’s self and among members in the group. 5. Records. 6. Access to Funds. 7. Team management of Resources.
    • Objective of SHG’s * Sustainable access to financial services * Stronger livelihood support systems * Enhancement of collective bargaining power * Self reliance and sense of dignity * Improvement in overall standard of living and empowerment
    • SHG model in India In India three different models of linkage of SHGs to the financial institutions have emerged. They are: Banks, themselves, form and finance the SHGs. SHGs are formed by NGOs and other agencies but financed by banks. Banks finance SHGs with NGOs and other agencies as financial intermediaries. The second model is the most popular model. Almost three-fourths of all the SHGs come under this model. Only 20% of the SHGs are covered under the first and 8% under the third model respectively.
    • SHG BANK LINKAGE MODEL FORMING AND NURTURING SAVINGS SHGBANK CREDIT LINKED TO SAVINGS MEMBERS 11
    • SHG BANK LINKAGE MODEL NGO, GO, Federation FORMING, of SHGs DEVELOPING MONITORINGBANK CREDIT LINKED TO SAVINGS SHG SAVINGS MEMBERS 12
    • SHG BANK LINKAGE MODELS NGO, Federation FORMING,COMMON of SHGs PROMOTING,CREDIT MONITORING CREDIT SAVINGS BANK ? SHG SAVINGS ? MEMBERS 13
    • Indian scenario India has adopted the Bangladesh’s model in a modified form. To improve the poverty and to empower the women, the micro-finance has emerged as a powerful instrument. With availability of micro-finance, self-help groups (SHGs) and credit management groups have also started in India. And thus the movement of SHG has increase out in India.
    •  The movement of SHG was nourished in the states of Gujarat, Maharashtra, Andhra Pradesh, Rajasthan, Tamilnadu and Kerala. Now many banks are provide help like - NABARD Bank of Maharashtra State Bank of India Cooperative Banks Regional rural banks The Government institutions like Maharashtra Arthik Vikas Mahamandal (MAVIM) District Rural Development Agency (DRDA) Municipal corporations & also 3,024 NGOs are collectively and actively involved in the promotion of SHG movement.
    • Number of new SHGs financed by banks during last five years Chart Title600,000 5,39,365500,000400,000 361,731300,000 255,882200,000 197,653 149,050100,000 0 1 2 3 4 5 6
    • Success State Nos. in Lakh Andhra Pradesh = 48.5 Tamil Nadu = 12.5 Uttar Pradesh = 6.6 Orissa = 4.1 Maharashtra = 3.9
    • Creating rural infrastructurethrough bridge communication(Meghalaya)
    • BALSRIGITTIM WOMEN’S SELF-HELP GROUPUNDER SAMANDA DEVELOPMENT BLOCK, EAST GAROHILLS, MEGHALAYA
    • Advantages of SHGs1.To the group: Access to large resources Up gradation in skill and technology Exposure2.To the bank: Externalization of work Reduction in transaction cost Better margin Wider coverage Larger smaller savings Improvement in general credit
    • Conclusion: If we join our hands together to support SHGs we will start talking about rural prosperity instead of rural poverty. …………..
    • Thanks…………………