Four women's cooperatives in Sindhuli, Nepal have achieved 100% household coverage in their local areas, providing financial services to over 2,000 households. This represents a shift from traditional cooperatives that primarily served elite male members. The cooperatives faced challenges but overcame skepticism by educating communities and providing inclusive services. They have empowered women economically by providing loans for small businesses and challenging social issues like gender discrimination. Their success demonstrates that community-owned cooperatives can effectively promote development, especially for disadvantaged groups.
“Emergence and Activities of Self-Help Group (SHG)-A Great Effort and Impleme...iosrjce
The budding social consciousness from corner to corner of the globe has brought a number of issues
to the fore among which gender impartiality and empowerment of women are very noteworthy. Discrimination
against women in the form of male-female segregation reflects the core of the gender-biased structure. The
education is the biggest therapeutic power and the rise in the levels of education which nourishes progressive
stance and the beginning of industrialization and modernization have effected a sea change in the attitudes and
thinking prototype of the citizens. The empowerment is not fundamentally political single-handedly in fact;
political empowerment will not be successful in the deficiency of economic, socio-cultural and environmental
empowerment. Women empowerment is a progression in which women confront the presented norms and
culture, to efficiently encourage their well being. The involvement of women in Self Help Groups (SHGs) made a
momentous impact on their empowerment both in social and economical aspects. This study addresses women
empowerment as well as rural development through self help groups of Khejuri CD Blocks in Purba Medinipur
district of West Bengal. The information requisite for the study has been collected from both the primary and
secondary sources. A multistage random sampling method has been followed. Average and percentage analysis
was accepted out to draw significant interpretation of the results. Factor analysis was used to measure the
relationship between the observed variables. The outcome of the study revealed that the SHGs have had greater
impact on both economic and social aspects of the beneficiaries.
The study has been summarized in the form of a presentation so that others can understand its relevance. It is really important to look for ways to empower women through creative and innovative entrepreneurial ventures.
“Emergence and Activities of Self-Help Group (SHG)-A Great Effort and Impleme...iosrjce
The budding social consciousness from corner to corner of the globe has brought a number of issues
to the fore among which gender impartiality and empowerment of women are very noteworthy. Discrimination
against women in the form of male-female segregation reflects the core of the gender-biased structure. The
education is the biggest therapeutic power and the rise in the levels of education which nourishes progressive
stance and the beginning of industrialization and modernization have effected a sea change in the attitudes and
thinking prototype of the citizens. The empowerment is not fundamentally political single-handedly in fact;
political empowerment will not be successful in the deficiency of economic, socio-cultural and environmental
empowerment. Women empowerment is a progression in which women confront the presented norms and
culture, to efficiently encourage their well being. The involvement of women in Self Help Groups (SHGs) made a
momentous impact on their empowerment both in social and economical aspects. This study addresses women
empowerment as well as rural development through self help groups of Khejuri CD Blocks in Purba Medinipur
district of West Bengal. The information requisite for the study has been collected from both the primary and
secondary sources. A multistage random sampling method has been followed. Average and percentage analysis
was accepted out to draw significant interpretation of the results. Factor analysis was used to measure the
relationship between the observed variables. The outcome of the study revealed that the SHGs have had greater
impact on both economic and social aspects of the beneficiaries.
The study has been summarized in the form of a presentation so that others can understand its relevance. It is really important to look for ways to empower women through creative and innovative entrepreneurial ventures.
Role of Self-Help Groups in Empowering Rural Women: A case study on selected ...iosrjce
Micro finance is emerging as a powerful tool for poverty alleviation in India. This approach has
recognition in India after the launch of SHGs and Bank linkage programme by NABARD in the year 1992.
According to United Nations, micro finance institutions are the basic provider of small savings, micro credit
and other basic financial services to poor and marginalised section like women. Despite substantial
contributions of women to both household and national economy, their contributions are not recognised in the
society. Rapid progress in SHGs and Bank linkage model has now turned into an empowerment movement
among women in the country. From various empirical studies, it is found that micro finance through SHGs and
Bank linkage model has enabled the members of SHGs to improve their socio-economic status. It also improves
family savings, decision making process, self confidence among women section of our society. Micro finance is
also necessary to overcome social exploitation and create confidence for self reliance among rural women and
poor section of our society. Apart from the informal financial institutions, the formal and semi formal sectors
also are taking much interest in providing micro finance to rural women in Assam. These financial institutions
not only provide small savings and micro credit to women but bringing them together in organised banking
sector. This paper highlights that micro finance through SHGs has a positive role in income, savings and
investment of women in Rani Block of Kamrup District of Assam
Women empowerment through self help groupsmahindravada
Self Helf Groups are formed to empower women. With the help of these groups, women are able to support the family economically, able to live with dignity and able to take informed decisions.
Role of cooperatives in rural development, the case of.j.sjbm.20150304.12kemal1983
For small land-holding, developing and agricultural based economic countries like Ethiopia, cooperative type of
business is recommended as a solution to promote income distribution, reduce poverty and vulnerability, and improve quality of life and social welfare.
Self Help Group (SHG) Movement in India has been recognized as an effective strategy for mobilization and empowerment of rural people, particularly poor women and other marginalized groups.
Self Help Groups - Magic bullet to empowerment?Mouna Munshi
A summary of the dissertation done in the final year of my Masters program in Social Work.
I wanted to understand first hand if Micro Finance through Self Help Groups is really transforming and empowering women economically and otherwise.
International Journal of Humanities and Social Science Invention (IJHSSI)inventionjournals
International Journal of Humanities and Social Science Invention (IJHSSI) is an international journal intended for professionals and researchers in all fields of Humanities and Social Science. IJHSSI publishes research articles and reviews within the whole field Humanities and Social Science, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online
Micro Credit and Rural Women Entrepreneurship Development in Bangladesh: A Mu...Dr. Nazrul Islam
Micro credit programs have positive socioeconomic impact on rural women borrowers of Bangladesh. But it is also opined by the different corners that the micro credit programs do not help the borrowers to develop entrepreneurial capabilities except surviving. Thus, this paper aims at identifying the factors related to the development of entrepreneurship among the rural women through micro credit programs of the micro credit providers. A multivariate analysis technique such as, Factor Analysis was conducted to identify the factors related to entrepreneurship development. Structural Equation Modeling (SEM) was used to identify the relationship between micro credit program and the development of rural women entrepreneurship in Bangladesh. Results show that the financial management skills are the most important factor that has significant relationship with the development of rural women entrepreneurship. Results also show that the group identities of the women borrowers have significant relationship with the rural entrepreneurship development in Bangladesh. Borrowers experience from the parents’ families and the limitation of option also lead to the development of entrepreneurship among the rural women borrowers of Bangladesh.
Role of Self-Help Groups in Empowering Rural Women: A case study on selected ...iosrjce
Micro finance is emerging as a powerful tool for poverty alleviation in India. This approach has
recognition in India after the launch of SHGs and Bank linkage programme by NABARD in the year 1992.
According to United Nations, micro finance institutions are the basic provider of small savings, micro credit
and other basic financial services to poor and marginalised section like women. Despite substantial
contributions of women to both household and national economy, their contributions are not recognised in the
society. Rapid progress in SHGs and Bank linkage model has now turned into an empowerment movement
among women in the country. From various empirical studies, it is found that micro finance through SHGs and
Bank linkage model has enabled the members of SHGs to improve their socio-economic status. It also improves
family savings, decision making process, self confidence among women section of our society. Micro finance is
also necessary to overcome social exploitation and create confidence for self reliance among rural women and
poor section of our society. Apart from the informal financial institutions, the formal and semi formal sectors
also are taking much interest in providing micro finance to rural women in Assam. These financial institutions
not only provide small savings and micro credit to women but bringing them together in organised banking
sector. This paper highlights that micro finance through SHGs has a positive role in income, savings and
investment of women in Rani Block of Kamrup District of Assam
Women empowerment through self help groupsmahindravada
Self Helf Groups are formed to empower women. With the help of these groups, women are able to support the family economically, able to live with dignity and able to take informed decisions.
Role of cooperatives in rural development, the case of.j.sjbm.20150304.12kemal1983
For small land-holding, developing and agricultural based economic countries like Ethiopia, cooperative type of
business is recommended as a solution to promote income distribution, reduce poverty and vulnerability, and improve quality of life and social welfare.
Self Help Group (SHG) Movement in India has been recognized as an effective strategy for mobilization and empowerment of rural people, particularly poor women and other marginalized groups.
Self Help Groups - Magic bullet to empowerment?Mouna Munshi
A summary of the dissertation done in the final year of my Masters program in Social Work.
I wanted to understand first hand if Micro Finance through Self Help Groups is really transforming and empowering women economically and otherwise.
International Journal of Humanities and Social Science Invention (IJHSSI)inventionjournals
International Journal of Humanities and Social Science Invention (IJHSSI) is an international journal intended for professionals and researchers in all fields of Humanities and Social Science. IJHSSI publishes research articles and reviews within the whole field Humanities and Social Science, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online
Micro Credit and Rural Women Entrepreneurship Development in Bangladesh: A Mu...Dr. Nazrul Islam
Micro credit programs have positive socioeconomic impact on rural women borrowers of Bangladesh. But it is also opined by the different corners that the micro credit programs do not help the borrowers to develop entrepreneurial capabilities except surviving. Thus, this paper aims at identifying the factors related to the development of entrepreneurship among the rural women through micro credit programs of the micro credit providers. A multivariate analysis technique such as, Factor Analysis was conducted to identify the factors related to entrepreneurship development. Structural Equation Modeling (SEM) was used to identify the relationship between micro credit program and the development of rural women entrepreneurship in Bangladesh. Results show that the financial management skills are the most important factor that has significant relationship with the development of rural women entrepreneurship. Results also show that the group identities of the women borrowers have significant relationship with the rural entrepreneurship development in Bangladesh. Borrowers experience from the parents’ families and the limitation of option also lead to the development of entrepreneurship among the rural women borrowers of Bangladesh.
By Shruthi Cyriac
The activities of ‘NUTRIMIX’ PRODUCTION and GOAT REARING are studied in this paper. Nutrimix is a baby food supplement and Kudumbashree women are actively involved in the production and supply of this commodity to the ‘anganwadis’ (government nurseries) in the district. The costs and benefits of this enterprise are studied in detail and the problems that these women face Research Paper on Micro Credit and Rural Market enterprise have been discussed. The second enterprise, Goat rearing, has also been critically analysed in detail to find out the costs, benefits and problems.
Role of Self Help Groups in Rural Development-A Studyijtsrd
Rural development is a very dynamic process which includes in improving the socio-economic, political, environmental, and well-being of the poor people living in rural areas. In India more than 70 percent people living in rural areas, the concept of rural development assume great significance. The Molakalmuru taluk is one of the most backward taluk in Chitradurga district these areas have been facing so many problems like unemployment, poverty, lack of skills, illiteracy, and basic infrastructure health care common trend here. The present study is focused on the Socio-Economic status of Self-Help Group on rural development, and to study impact of Self-Help Group on rural development in Molakalmuru taluk. The present paper it is based on primary and secondary sources of information. Nagesha B | Ajeya G"Role of Self Help Groups in Rural Development-A Study" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-4 , June 2018, URL: http://www.ijtsrd.com/papers/ijtsrd14329.pdf http://www.ijtsrd.com/economics/development-economics/14329/role-of-self-help-groups-in-rural-development-a-study/nagesha-b
International Journal of Business and Management Invention (IJBMI)inventionjournals
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
The Journal will bring together leading researchers, engineers and scientists in the domain of interest from around the world. Topics of interest for submission include, but are not limited to
A Multivariate Model of Micro Credit and Rural Women Entrepreneurship Develo...Dr. Nazrul Islam
In Bangladesh, micro credit programs have positive socioeconomic impact on the rural women borrowers. However, it is perceived that the micro credit programs help the rural women borrowers to survive only and do not help them to develop entrepreneurial capabilities. Hence, this paper aims at identifying the factors related to the development of entrepreneurship among the rural women borrowers through micro credit programs. A multivariate analysis technique like Factor Analysis was conducted to identify the entrepreneurship development related factors. Structural equation modeling was used to develop a model of micro credit program and the development of rural women entrepreneurship in Bangladesh. Results show that the financial management skills and the group identity of the women borrowers have significant relationship with the development of rural women entrepreneurship in Bangladesh. The experience from the parent’s family of the borrowers and the option limit may also lead to the rural women borrowers to be entrepreneurial.
The Global Widows Report demonstrates that disadvantage in widowhood is not limited to one culture, society or region. Majority of the widows globally, live in extreme poverty and are often ostracized by the society. They have to struggle for gender equity on one hand and for their rights as a widow on the other.
Women in Bulambuli face similar problems as men in the society tend to control them through use of violence. The area also has significantly higher rates of polygamy and promiscuity which further enhances cases of high GBV. Owing to the high incidence of GBV in the area, there is a need to develop a program to help women get rid of such problems and are made aware of their rights and are empowered.
The proposed project seeks to usher 100 vulnerable women (widows and victims of all forms of GBV) from extreme poverty through entrepreneurship development in Bulambuli district, Uganda. The project will be implemented during a period of 12 months.
India Orthopedic Devices Market: Unlocking Growth Secrets, Trends and Develop...Kumar Satyam
According to TechSci Research report, “India Orthopedic Devices Market -Industry Size, Share, Trends, Competition Forecast & Opportunities, 2030”, the India Orthopedic Devices Market stood at USD 1,280.54 Million in 2024 and is anticipated to grow with a CAGR of 7.84% in the forecast period, 2026-2030F. The India Orthopedic Devices Market is being driven by several factors. The most prominent ones include an increase in the elderly population, who are more prone to orthopedic conditions such as osteoporosis and arthritis. Moreover, the rise in sports injuries and road accidents are also contributing to the demand for orthopedic devices. Advances in technology and the introduction of innovative implants and prosthetics have further propelled the market growth. Additionally, government initiatives aimed at improving healthcare infrastructure and the increasing prevalence of lifestyle diseases have led to an upward trend in orthopedic surgeries, thereby fueling the market demand for these devices.
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HR recruiter services offer top talents to companies according to their specific needs. They handle all recruitment tasks from job posting to onboarding and help companies concentrate on their business growth. With their expertise and years of experience, they streamline the hiring process and save time and resources for the company.
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Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
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Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
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100% coverage women coop sindhuli
1. 1
SAHAMATI FIELD BULLETIN
September 2012 (Year #1, Issue #1)
100% Household Coverage: A paradigm shift in Cooperatives of Nepal
Community based women's cooperatives in Sindhuli have probably made history in terms of outreach and depth of their
services incorporating each and every 2246 household of four VDCs-Ratanchura, Bhadrakali, Jalkanya and Bhimeswore.
It was declared in a huge mass of around 2000 people mostly women gathered in historical place-Sindhuligadhi,
organized by secretaries of respective VDCs. Most of women members were in similar uniform-Red Sarees. The event
news was covered by several media including a national newspaper- Kantipur Daily on 15th Sept 2012. Follow up news of
a Paribartan Mahila Savings and Credit Cooperative Bhadrakali was aired by BBC Nepali Service on 25th Sept 2012.
Such declaration is quite relevant to add value to the initiatives of government of Nepal- that has recognized cooperative
sector as one of the three pillars of development in Nepal. The news is also pertinent with Year 2012 as 'UN International
Year of Cooperative' and this month's UN Millennium Development Goals summit that highlighted the importance of
reaching the world’s most disadvantaged people in order to achieve the MDGs with equity by 2015.
The Issues
Poverty is rampant in Nepal. In development arena, we come to face the reality that development program usually
do not reach the bottom quintile- the disadvantage section of society-the poorest of poor, the Women, Dalit and
Other minorities. Thus the development programs by and large remain not inclusive in the real sense.
Rather of changing milieu, Nepalese women are in low position comparing with their male counterpart. Economic
activity largely depends upon access over the financial resources. Commercial banks are still not accessible to the
rural people. Money lenders charge high interest rates. Women do not have access of financial resource either from
money lender or commercial banks- since both require collateral, and women usually do not possess the land or
other properties. In rural areas of Nepal women's work is mostly regarded within household chores; they are not
encouraged to participate in economic activities. Due to deep rooted patriarchal thought women are usually not in
part of decision making in any social strata. Female have less freedom to education. As a consequent women
frequently fall into gender based violence and discrimination.
100% household coverage declaration mass meeting (28-05-2069) in Sindhuligadhi
Left: Participants attentively viewing the program Right: Public address by Ms. Sushila Basnet, Secretary of Janjagaran Mahila Savings & Cooperative
2. 2
The superstitious and fatal practices like witchcraft, early marriage, dowry system, girl trafficking, sex
discriminations are still prevalent in Nepalese society. But the shift has begun- by the programs focused on socio-
economic empowerment of women and girls. Transformation is always painful; it requires passing through series
of experiments and experiences.
Cooperatives in Nepal: Past and Present
According to International Co-operative Alliance (ICA), cooperative is an autonomous association of persons united
voluntarily to meet their common economic, social and cultural needs and aspirations through a jointly owned and
democratically controlled enterprise. Cooperatives are based on the value of self-help, self-responsibility,
democracy, equality, equity and solidarity.
Nepalese people have a century-long tradition in sharing and cooperation in many forms as labor sharing in
villages, informal mutual groups and rotating savings and credit association (Dhikuri). The history over formation
of credit cooperatives in Nepal goes back as early as 1954 when government established the Department of
Cooperatives (DOC) under the Ministry of Agriculture. The first cooperative formed in Nepal was credit a
cooperative as part of flood relief and resettlement program. It was legally recognized when the first Cooperative
Societies Act was created in 1959.
Therefore, the history of cooperatives in Nepal is closely related to Government’s initiatives to use cooperative as
part of its development program. Government’s view on cooperatives has been changing in every five-year plan of
the country without having concrete vision towards the development of cooperatives and proper mechanism to
support and supervise the cooperatives. The responsibilities for managing the cooperatives were transferred to
the government-owned Agriculture Development Bank. But, loan recovery rate was very poor- as low below 50%.
It was due to lack of transparency, policy clarity and ownership.
In Nepal, Government initiatives have hardly enough impact in poverty reduction. So the concept of
decentralization, self-help, community-based organization, cooperation, bottom-up approach flourished starting in
1990. The real emergence of cooperatives can be considered only after enactment of Cooperative Act in 1992. The
government encouraged the formation of cooperatives by providing tax exemption and incentives. As a result,
there was a high numerical growth. Experience in the past few years suggested that cooperatives can be an
efficient means to carry integrated development services to the poor people.
Currently Government of Nepal has recognized Cooperative as one of the three pillar of economic development in
Nepal. About 3,000,000 people are involved in total of 23,000 cooperatives in Nepal. The GDP contribution from
the sector alone is about 3% whereas 15% financial contribution in overall economy. The access of cooperative to
the people is highly improving. The community based savings and credit cooperative have been successful in Hill
as well as Terai regions. The reason behind success of community based cooperative is due to ownership, economic
governance, high repayment rate, administrative easiness, cost effectiveness and cooperativeness among the
members.
Women only Cooperative- A New Era of thought and action
Women are good managers. They have efficient management capacity. It is proven in case of Makawanpur where
27 cooperatives are effectively owned, managed and controlled by women. So is the case of Sindhuli, Baglung,
Myagdi and other districts.
The women's cooperative is highly successful model in Makawanpur. The cooperatives after phasing out of the
external technical support-too are performing wonderfully well. The cooperatives health is financially sound, and
socially recognized. One of the cooperative-Mahila Jagriti Savings and Credit Cooperative Bhimphedi was
recognized as the "Best Cooperative of the Year 2069" (Kantipur newspaper, 18th Sept 2012). It was recognized by
National Federation of Savings and Credit Union Nepal (NEFSCUN).
3. 3
100% Coverage Campaign-The process and challenges
Before the campaign, the household coverage of women cooperatives in Sindhuli was about 60-90%. The leftover
families were located relatively in geographically isolated area and dispersed from the village center. The
households were mostly from bottom quintile. Attention towards them was less hence a type of dissatisfaction was
there in cooperative.
The idea of incorporating 100% household in the cooperative was kicked off in a review meeting of chairperson
and manager of cooperatives. It was then put forward in respective cooperatives board meeting. The idea was fully
accepted and taken forward as campaign by four cooperatives. Then board of directors took lead the process.
According to Indra Kumari Hayu, Chairperson of a Mahila Shakti Savings & Credit Cooperative Ratanchura, they
had to face so many challenges for their women's cooperative campaign. Few of the society's male members used
to tell, it was impossible to operate, and cover all the households that is run by women. The opinion was put
forward with the saying that women are illiterate, and they are not exposed with the economic and social
development aspects. Some people blamed Indra that she is almost going bare keeping such an unmet idea.
However the cooperative board members never gave up. They visited door to door of the families who were not
enrolled in the groups. They also mobilized influential peoples including VDC secretary, political parties' leaders,
and school head teacher in coverage campaign. Few households initially refuse to enroll in the cooperative. The
follow up was made regularly-with explaining importance about benefits of being member. The enrollment for the
first time requires nominal amount i.e. Rs. 175 for each membership. Organizational receipt, format, stamps etc
were taken along with during the campaign. The membership was provided on the spot. Finally all the households
came under one umbrella.
Paradigm Shift
In the conventional cooperatives, the leaders are elite, so called educated persons. The cooperatives are usually
dominated by male, the teacher, politician, or upper caste people. The coverage is very low. It was believed that the
cooperative cannot be run by females-since they are not use to with such things.
Now the old paradigm is shifted in Sindhuli. Four cooperatives out of twenty totals have provided exemplary in
terms of coverage-to the poor and disadvantage section of society. Other cooperatives too encouraged. Twenty
community based women cooperatives are fully run by women. They own, manage and control the cooperatives
and their activities. They are efficiently and effectively managing the cooperative. Now women do have access to
credit as well as savings.
The women's access to micro-credit that is enabling them to micro-enterprises, such as Vendor shop (Grocery, Tea,
Meat, Restaurant), Livestock (Goat, Pig, Cow, Buffalo), Poultry, Cash crop, Skill based work (Sewing and cutting,
weaving, beauty parlor). As a result women have better income, and better livelihood of the whole family than
before. Now male counterparts also been started to praise women for their deeds. Despite the fact that majority of
women in the boards are illiterate. It is proven that education is not only pre-condition for institutional
development of socio-economic activities.
It is already observed that those who were not able to introduce themselves in front of two persons can speech in
front of thousands of people. The women now have enhanced personality and leadership capability. The dignity
and self-esteem of women in the village is dramatically improving.
Kishori Samuhas, group of teenage girl is also part of the cooperative program. They are wonderful vehicle for
fighting against social evils-such as stopping Child marriage cases in the community. The gender based violence,
caste based discrimination and evil social practices are being gradually reduced.
4. 4
The women cooperative now has access over the government/VDC budget allocated for women. According to Thal
Kumar Paudel, Secretary of Bhadrakali VDC while speaking in BBC radio service told that all women budget of VDC
will be channelized through women cooperative. The cooperative already started to access and utilize budget from
VDC in awareness raising and capacity building of women.
Secret of Success
Most important aspect of the community based model is true ownership of the members. Ownership was built
through involving the member's right from the start. Before forming cooperatives, key members were taken to
exposure in Makawanpur to have interaction with the women's cooperative to see how their cooperatives gone
through the institutional development process, and how they are still performing well without any external
assistance. The cooperative foundation is built upon demonstrated will of potential members and their
engagement during forming stage.
Asking what was driving force for women cooperative to go for 100% coverage campaign, Indra said, "We wanted
to make our cooperatives a role model in Nepal. We are inspired from the progress of women's cooperative in
Makawanpur. We provide good service to the needy people, and make the members feel real owners". The service
provided by the cooperative largely cater to the requirement of poor women-i.e. small loan at reasonable cost, easy
and short processing time, requires no physical collateral.
The experience of support agencies in the cooperative sector is intensive. It has always taken the program as a
mission, not as any project. The support agencies have clear cut idea about till when the support is required, and
when to get back. Transparency, capacity building, regular consultation, supervision and continuous monitoring
are the key to success. Good linkage and relationship with local bodies including DDC/VDC is also important factor
to success.
Challenges
Covering 100% households means enrolling bulk of members at once. It is always challenge to manage and meet
the expectation of new members. Scarcity of finance for credit service may appear. The cooperatives have already
approached with Nepal Rastra Bank for wholesale loan to mitigate the challenge.
Cooperatives are now key player in the village. However of precarious situation, the chance of labeling in political
color could be there. There are several micro-finance service providers in few of the villages. The program can
duplicate with one or more programs. Quality and consistent service is always required, and the cooperatives are
fully aware of that.
Conclusion
In terms of outreach and depth the women's cooperatives in Sindhuli light as a role model in development sector of
Nepal. Thus community based savings and credit cooperative is one of the best alternative models for equitable
and sustainable economic and social development. It is proven fact that cooperatives contribute to empowerment
of community, access and control over public resources, enhance leadership capability. The cooperatives, if fully
functional as their values and principles, can be powerful vehicle for socio-economic transformation and change.
The women's cooperatives in twenty VDCs of Sindhuli are promoted under "Capacity Building of Micro-finance Institution under Girls
Power Project (CBMFI)" program that is implemented by 'SAHAMATI' Nawalparasi with the financial support from 'Plan Nepal' since
2010. All the cooperatives are registered entities. These women cooperatives have 14500 share members, and the loan outstanding is
NRs.36.8 million till August 2012.
For further queries or feedback on the field bulletin, please contact to ashok@sahamati.org or sahamati@wlink.com.np. For more
information about SAHAMATI, please browse www.sahamati.org.