The document summarizes a case study on the formation of elderly self-help groups (E-SHGs) in two villages, Bhoya and Janumbera, in Khunt Pani Block of West Singhbhum district in Jharkhand, India. The objectives of forming the E-SHGs were to understand the local livelihoods and provide microcredit access to marginalized communities. Field workers conducted surveys and focus group discussions with villagers to understand their needs and form 11 E-SHGs across the two villages totaling 123 members. The study found the villagers dependent on agriculture and wage labor with low literacy rates and housing quality. It recommends regular E-SHG meetings and trainings to improve group functioning and

1. Case Study Segment
Host organization:-
Jharkhand State Livelihood Promotion
Society (JSLPS)
Reporting officer: Mr Srimanta Patra
Topic:
Formation of Elderly Self Help
Groups(SHGs) in Khunt Pani
Block(Bhoya & Janumbera)
Presented by:
Bidyadhar Hansdah(15201006)
Rishi Raj(15201018)

2. Objectives
 To understand the rural development context in the project area of Bhoya
& Janumbera
 To understand the livelihood system of the inhabiting tribal communities
 To enable the poor and marginalized to have access to micro-credit with
bank linkages via enterprising Self Help Groups.
 To Understand the formation process of self help groups (SHGs) in
Khuntpani(block), Dist-Westsinghbhum
 To understand the socio economic and Rural Life

3. About JSLPS
 The Rural Development Department of Government of Jharkhand (GoJ)
has established a separate and autonomous society named as “Jharkhand
State livelihood Promotion society”(JSLPS) which works as a nodal
agency for effective implementation of livelihood by help of NRLM.
 Vision:-
 Create a socio-economically developed Jharkhand through empowering the
underprivileged members of vulnerable communities/groups.
 Mission:-
 Dedicate ourselves to empowering the underprivileged women as well as
the members of vulnerable communities/groups in the state by organizing
and capacitating their groups and creating sustainable livelihoods

4. Location of the Project
• Focused districts- West Singbhum, Chaibasha in Khuntpani Block

5. VILLAGE PROFILE
 The village BHOYA is situated in the Pandrasali gram panchayat, Block/
Khuntpani , Westsingbhum District Jharkhand.
 The village is 14 kms away from Chaibasa,155 kms from Ranchi.
 Nearest police station is 5 kms away in Matkobera.
 Nearest post office and weekly haat is 0 km away from Bhoya
 The road connecting to the village is ½ CC road and full Pichu road from
Chaibasa.

6. Research Design
 11 SHGs out of 21 SHGs were
taken from Bhoya and Janumbera
Village for the study.
 These eleven groups were taken
on basis of own different
experiences with active member
of PRP of JSLPS, while formation
of those SHGs in the field.
 Group discussion , and interview
were used for the data collection.

7. Contin..
To achieve the above stated objectives the following methodology
were conducted.
 Primary Source:
 Informal discussions
 Survey with interview schedule
 Personal interviews
FGDs with villagers and Elderly people were conducted in order to
understand current livelihood activities & availing old age pension.
 Secondary Source:
 JSLPS
 Project Documents
 Internet

8. Coverage and Target of Study
WEST SINGBHUM
DISTRICT
KHUNTPANI BLOCK
Village
11 SHGs are covered which were given by the organisation and the target
of the study were the SHG members.
Village
Bhoya Janumbera

9. Bhoya Village Database
 General Findings:-
 Total Households:- 192
 Temple:-01 (Jaher Gal)
 Tube well:-12
 River and stream:-02
 Primary school:-01
 Anganwadi :-03
 Water Tank:-01
 Electricity is available but there is failure of electricity from 6 AM to 10
AM.
 Some of houses are having toilets but they are not using. Open defecation
is practiced.

10. Name of the E-SHG Group
 Village Name: BHOYA Village
 Formation: >One Month
1) Ulibah Samuh
2) Arati Samuh
3) Jojo Bah Samuh
4) Elang Dulan Samuh
5) Kisan Samuh
6) Chando Marshal Samuh
7) Jagruti Samuh
 Village Name: JANUM BERA
Village
 Formation: >One Moth
1) Garib Vridh Samuh
2) Sahara Sammuh
3) Janen Marshal Samuh
4) Juribaha Samuh

11. E-SHG Population
 Total household= 192.
 The total population of the Bhoya village (Bindibas & Upar Sahi) is 956.
 Religion: Hindu.
 Caste: ST 80%, OBC 20%.
 Number of BPL Families = 93
 Number of Antodoya families=63
 Total Population of 32 House Holds = 246
 Adult Male = 75
 Adult Female = 72
 Boys(0-6years) =31
 Girls (0-6 years) =23
 Sex ratio = 985:1000 (Female/Male)
 Average family size =7 members

12. Social Category:

13. Old Age Pension
MALE-107
FEMALE-16
TOTAL E-SHG-123
MALE-10
FEMALE-6

14. Population Analysis of E-SHG
 Increasing death rat due to consumption of liquor and disease.
 Migration to other places and they are found dead and some of
the reasons are even not known
 Lack awareness about the medical facilities.

15. Income Source & Expenditure
 The main source of the
income for the people of
village Bhoya is Agriculture.
 63% of the 32 household are
involved in agricultural
activity directly. ( HH
Survey)
 Non Agri-Labourer, Artesian,
Business and Others are also
the source of employment
where they contributes 16%,
6%, 3% and 13%
respectively.
 Average Income :- Rs
71954.54

16. SHG Bank Linkage Programme
 A most notable milestone in the SHG movement was when NABARD
launched the pilot phase of the SHG Bank Linkage programme in February
1992 .
 The RBI advised commercial banks to consider lending to SHGs as part of
their rural credit operations thus creating SHG Bank Linkage.
 Broadly the linkage is done in two phases:
1) Savings Linkage
2) Credit Linkage

17. Livestock

18. HOUSING PATTERN
 IAY Houses:-23
 Out of 15 houses there are 4 Antodoya Card holder and 2 houses doesn’t
have electricity.
 ELECTRICITY STATUS:-
 Out of 192 households there are 25 house holds, which are not yet
electrified.
TYPE NUMBER OF HOUSEHOLDS
SEMI PUCCA WITH AJBESTOS 16
KUCHHA WITH TILE 21
IAY 23

19. Physical infrastructure
 TYPES OF HOUSES OF 32 HHS
 Pucca :- 5
 Semi pucca :- 19
 Kaccha :- 08
 COOKING FACILITY
 Wood
 ROAD FACILITY
 Kaccha roads .
 ELECTRICITY FACILITY:-

20. SOURCES OF LIVELIHOOD
 The Main source of income is wage labour and they do cultivation for their
own consumption mostly.
 Though they have job card they do not get any jobs.
 People had migrated Utarpradesh and Maharashtra.

21. School Wise Detail
Drop out rate :- 80% after X

22. LITERACY RATE
 District male literacy – 61.04%
 District Female literacy-39.19 %
 REASONS:-
1) No high school near the village.
2) Financial Instability.
3) Bringing income to the house.
4) Lack of awareness.
In the age of 6 to 15 years:
Total Children - 65
School Going- 64
School Drop out – 01

23. Problems & Suggestion
Problems:
 Teachers are not Punctual.
 Guardian engage their children in grazing cattle.
 Children use to migrate with their parents for employment purpose.
Suggestion:
 To appoint computer & computer Teacher’s to each school.
 To provide Bench & Desk to all School.
 To provide Sports Facilities in each school.
 To provide Games Teachers.
 To teach small children with the help of playing games , toys &
Pictures(animal , flowers , fruits etc)
 To improve infrastructure of School.

24. Learning & Findings
 Get to know about knowledge with the help of local villagers
in context of village Life, livelihood, tradition, beliefs, rural
complexities and realities.
 The basic village amenities provided by the JSLPS.
 Understand the socio-economic Status of village.
 Problem & Opportunity identified from respective village .
 Assess the quality of life and suggest ways and means to
improve the same.
 Learn how to communicate with village people.
 How to manage different situational problem in field level.

25. Recommendation
 The VOA meeting of the Bhoya should be systematical.
 Proper training should be given to the Master Book keeper.
 Mutual decision should be taken by VOA in loan taking and
lending Process.
 Percentage of the interest should be fixed and known to the
each and every member of the group.
 Training should be given by well trained person of concern
authority of JSLPS.
 Proper communication between field worker and concern
office bearer. (Ex- PRP and Group Member)

26. Case Study-1
 Place :Bhoya (a ST dominated panchayat) Dist.: West Singhbhum .
 Facilitators: Rajender Rai( Sr. PRP)
 Name of the SHG:Uliba and Jojoba
 SHG Head: Pursotam Janko
 First of all we introduced with the SHG member of Bhoya village where
there are 13 member in the SHG.We came to know that most of the
member are interested in joining the Old age pension. Then we started with
introduction, information on SHG formation and its benefits by descriptive
manner.The villagers of Bhoya are dependent on the agriculture and wage
labour.
 Response: All are showing interest in formation of SHG
 Reason: Villagers aware that it is a government supported project through
a JSLPS. and have faith in government related programs.

27. Cont...
 Follow up: Villagers took initiative, Convinced by us and started joining
SHG ,filled old age pension form.
 And, from the next day they also supported us and took us to other houses
to form SHGs in that Village.
 Other info: After that we were able to make twenty two SHGs in that
village in just few days.

28. Case Study 2
 Place : Janum Bera ,Sum Dist.: West Singh Bhum .
 Name of the SHG: Aarati shayam sahayata
 SHG Head:Soma Jonko
 Started with introduction, information on SHG formation and its benefits.
 Response: All elderly villagers interested in forming SHG

29. Cont.....
 Reason: Showed interest in joining Elderly SHG and
cooperated with us in data collection. Villagers aware that it is
a government supported project through a JSLPS. and have
faith in government related programs.
 Follow up: In weekly meeting explained about importance of
joining elderly SHG and filling old age pension form.
 Other info: Villagers started filling Old age pension form
understand its importance towards livelihood generation.

30. Findings
 In Bhoya village the response was very good but in janumbera not so good,
visit was made continuously for few days to complete the data collection
and all the necessary document records which help us to correctly entry
into excel sheet i.e Adhara Card,Voter ID (Name,Age,Address,BPL No)
 In Bhoya village Elderly SHG the response of the people were cooperative
and rest of the SHG situation was average.

31. Cont...
 Eligibility of joining old age pension is 60 years for male and 52 for
female but we found age printed on aadhar was wrong.
 In Janumbera village the day on which the SHGs were formed the people
were coperative and also act in favor of facilitators.
 Features like cultural aspects also mattered , the area is predominantly
populated by Elderly people hence it was easy to get their cooperation
because of gender binding on HO tribal people.

32. Conclusion
 Govt. schemes now getting involve effectively in formation, nurturing
and linking the SHGs to a local bank.
 Regional offices are provided all information and support in this regard.
 An economically poor individual gains strength as part of a group.
 Besides, financing through SHGs reduces transaction costs for both
lenders and borrowers.
 Overall it can be said that cultural factors , previous experiences of
people, mood of people on the day and organizational repo building
played a key role on successful formation of SHGs.

33. Social Motivation Through Rally
Rally Conducted in Mahila Diwas with Elderly People

34. Social Issues
Discussion on E-SHG Social Issues

35. Data Collection & FGD
Bhoya Village

36. Data Collection & FGD
Janumbera E-SHG

37. Goatry Treatment in BINDIBASA BHOYA
By Jayanti Ichaghutu APS (Aajeevika Pashu sakhi)

38. Thank you