The document discusses NABARD's partnerships with civil society organizations to form self-help groups across Indian states. It provides data on the number of partner organizations and self-help groups formed in each state, with some states having over 100 partners and 10,000 self-help groups. The document also notes some lessons learned from these partnerships, such as the need for longer support in resource poor areas and improving financial literacy. It discusses expansion strategies for partnerships in backward and left-wing extremist affected areas. Finally, it outlines some issues with the National Rural Livelihood Mission program around participatory planning, the role of federations, targeting of subsidies, and the need for better convergence with other government programs.

1. NABARD partnerships with CSOs for
SHGs formation……..

2. Civil society partners* – SHG-BLP
Jammu &
Kashmir
Himachal Pradesh
Partners- 414
SHGs- 88400
Uttar
Pradesh
Punjab
Haryana
Rajasthan
Goa
Karnataka
Delhi
Andhra
Pradesh
Jharkhand
Orissa
Madhya
Pradesh
Gujarat
Maharashtra
Kerala
Tamil
Nadu
Bihar
Sikkim
Meghalaya
West
Bengal
Arunachal
Pradesh
Assam
Nagaland
Manipur
Tripura Mizoram
Chhattisgarh
Green > 100
Red < 50
Yellow > 50 - 100
Partners- 38
SHGs- 4030
Partners- 67
SHGs- 5500
Partners- 69
SHGs- 6800
Partners- 24
SHGs- 1500
Partners- 130
SHGs- 10300
Partners- 62
SHGs- 8800
Partners- 3
SHGs- 150
Partners- 9
SHGs- 420
Partners- 12
SHGs- 1975
Partners- 19
SHGs- 770
Partners- 255
SHGs- 18500
Partners- 130
SHGs- 17800
Partners- 139
SHGs- 10900
Partners- 108
SHGs- 6400
Partners- 73
SHGs-17000
Partners- 26
SHGs- 3200
Partners- 243
SHGs- 19550
Partners- 163
SHGs- 9500
Partners- 282
SHGs- 52300
Partners- 89
SHGs- 7866
Partners- 51
SHGs- 9810
Partners- 49
SHGs- 13585
* On going only

3. Some learning's…..…
 Resource poor regions...longer support to poor HH
 Banks are unable to provide undivided attention
 Suitability of products !
 Financial literacy at the SHG level
 Propensity to save – handhold individual linkages over time
 Specialised investment in human capital needed –livelihoods /
enterprises / non financial needs etc
 Differential responses by clients / SHG members
 Bookkeeping an area of concern, integrate technology
 Aggregation and collectives for appropriate market intervention

4. LWE Districts
Jammu &
Kashmir
Himachal Pradesh
Uttar
Pradesh
Punjab
Haryana
Rajasthan
Goa
Karnataka
Delhi
Andhra
Pradesh
Jharkhand
Orissa
Madhya
Pradesh
Gujarat
Maharashtra
Kerala
Tamil
Nadu
Bihar
Sikkim
Meghalaya
West
Bengal
Arunachal
Pradesh
Assam
Nagaland
Manipur
Tripura Mizoram
Chhattisgarh

5. Expansion strategies in Backward /LWE
areas……
10/04/2012

6. NRLM some issues ….
Features Issues
Sequel to SGSY , IKP, mobilization
thru SHGs and uses the federation
approach.
Grant to feds ..
- AP model : though states are said to evolve / plan
- participatory planning missing
- SHG, the only route ?...
- Federations promoter driven, take away decision making,
not sustainable…make it member driven.
- SHGs outside feds – better governance !
Provision of revolving fund & capital
subsidy , if > 70 % BPL
- specific targeting
- leakages / misdirection
- wrong choice of livelihoods ?
Interest subsidy – loans rates not > 7
%
- basic tenants of SHGs lost
- equal loan division / differential needs not met / on-lending
by members in AP
Targeting – NRLM to cover , all blocks
and dists by 12 plan end
- Quality sacrificed !
- PRIs / other
Role of marketing ?
Convergence with NREGS / other
- Has greater role in stabilizing livelihoods

7. 10/04/2012
Thank you