1. WOMEN EMPOWERMENT
THROUGH SELF HELP
GROUPS(SHGS)
1. BHAGYA LAKSHMI H.R.
2. NAYANA
3. NEHA
4. PUTTABHADRAMMA D.N
5. RAMYA K.N
Under the guidance of
DR. M. PADMAVATHI
2.
3. INTRODUCTION:
The first prime minister of India Pandit
Jawaharlal Nehru stated that, "when the
women moves forward the family moves, the
villages moves and the nation moves”. But
after 69 years of independence, women in our
country yet not getting equal status and they
are still facing miseries like dowry, female
infanticide, domestic violence etc.
4. Women are still depending on their
husbands, they never take major
decisions in the family and they do not
have access to money.
The concept of self help groups has
emerged from a small country like
Bangladesh to empower women and
make them self dependent.
5. SELF HELP GROUPS FIRST FOUND IN
BANGLADESH IN THE YEAR OF 1976, FIRST
INTRODUCED BY PROF. MOHAMMED YUNUS OF
CHITTAGONG UNIVERSITY.
IN INDIA SELF HELP GROUPS SCHEME WAS
INTRODUCED IN AMRAVATI IN 1983.
6. HISTORY
Bangladesh has been acknowledged as a pioneer in
the field of micro-finance. Dr. Mohamed Yunus,
professor of Economics in Chittagong University of
Bangladesh, was an initiator of an action research
project ‘Grameen Bank’.
SHGs were started and formed in 1976 and it was
formally recognized as a bank through an ordinance,
issued by the government in 1983.
The Grameen Bank provides loan to the landless
poor, particularly women, to promote self
employment. At the end of Dec-2001, it had a
membership of 23.78 lakhs and cumulative micro
credit disbursement.
7. In India NABARD had initiated in 1986-87. but the real
effort was taken after 1991-92 from the linkage of SHGs
with the banks.
What is an SHG?
An SHGs is a small economically homogenous affinity
group of the rural poor voluntarily coming together to
save small amount regularly, which are deposited in a
common fund to meet members emergency needs and
to provide collateral free loan decided by the group.
8. WHAT ARE THE BASIC PRINCIPLES UPON
WHICH THE SHGS FUNCTION?
The basic principles of the SHGs are
group approach
mutual trust
organization of small and manageable groups
women friendly loan
peer group support in repayment
skill training
capacity building and empowerment.
9.
10. CONCEPT
Self help groups involves a small group of women
working together to improve their financial status. It
is generally a saving and credit-organization,
composed of 10-15 farm women belonging to same
area, religion or class.
Self help groups are voluntary gathering of persons,
who share needs or problems that are not being
addressed by the existing organization, institutions
or other types of groups.
11. Self help groups are voluntarily formed
informal registered or unregistered groups of
micro entrepreneurs having homogenous
social and economic backgrounds, voluntarily
coming together to save regular small sums of
money, mutually agreeing to contribute to a
common fund and meet their emergency
needs on the basis of mutual help.
12. Today the SHG’s are the largest Micro-
finance programme in the world which
empowers rural women an reduce
poverty and ensures sustainable and
holistic limited credit, non loan.
13.
14.
15.
16. Years Number of SHGs
2005-06 2238565
2006-07 2924973
2007-08 5009794
2008-09 6121147
2009-10 6959250
17.
18. AIMS OF SELF HELP GROUPS
Regular skill development training
programmes.
Better packaging
Standardization of ingredients.
pricing and to develop marketing skills.
Habit of raising loans.
Form savings.
Inculcated with a sense of belongingness.
Habit of thrift
19. Discipline among themselves.
Social welfare programmes.
Legal literacy.
Multiple roles of women and poverty alleviation
programmes.
The concept of Self monitoring has been introduced
by SHGs in a phased manner with the aim to make
women totally own their movement and
institutionalize its sustainability through networking.
To educate their own members.
Create self confidence and self reliance.
To cut across social barriers.
20. STATEWISESPREAD OF THE SHGS – BANKLINKAGEPROGRAMME-
SAVINGS OF SHGS WITHBANKAS ON 31/MARCH/2014
STATES SHGs % of
SHGs
% OF
SAVINGS
1.ANDHRA PRADESH 1418676 19.09 35.36
2.KARNATAKA 709171 9.55 10.98
3.TAMILNADU 942469 12.69 10.62
4.PUDUCHERRY 24454 0.33 0.24
5.ARUNACHAL PRADESH 2588 0.034 0.02
6.SIKKIM 343 0.004 0.00
21. WORKING OF SHGS
GROUP FORMATION
MEETINGS
GROUP SAVINGS
GROUP COMMON FUNDS
ROTATION OF GROUP FUNDS
BOOKS AND REGISTERS ARE
MAINTAINED
TRAINING
ANNUAL AUDITING
22. CONCLUSION
The empowerment of women
through SHG provides benefits not
only to individual woman but also for
the family and community as a
whole.
A number of SHGs have taken part
in the implementation of various
welfare and development
programmes of the Government and
are increasingly addressing various
social issues.
23. The government should encourage and create
awareness about utilizing the provisions
provided by this program.
On the whole, there is a significant ‘upward
mobility’ of SHG women’s status and roles,
when compared to before joining the SHG.
