Self help groups (SHGs) play an important role in rural development by promoting savings, providing credit to members, and empowering women. SHGs are small voluntary groups that are formed to save money and provide loans to members. They help generate additional income, impart skills, and create financial inclusion in rural areas. Research studies have found that SHG membership increases members' monthly incomes, financial literacy, and decision making power. SHGs help alleviate poverty and empower rural communities through collective action.
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.
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 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
Entrepreneurial power and Socio-Economic policies shown by Mr. Yunus. His step to change the cycle of poverty is extremely successful. A micro-created system changed the way lending for poor.
Despite decades of planned development and poverty eradication programs at the national and state levels, poverty continues to persist in India. The National Rural Employment Guarantee Act (NREGA) has been a subject of lively debate, which aims at the ‘right to work’ enhancing the livelihood security of people in rural areas by guaranteeing hundred days of wage-employment in a financial year to a rural household who volunteer to do unskilled manual work. The National Rural Employment Guarantee Act was approved by the Indian Parliament in September 2005. It was renamed as ‘Mahatma Gandhi National Rural Employment Guarantee Act’ on 2-10-2009. This Act started functioning from 2nd Feb.2006. Initially it was introduced in 200 districts of the country and later extended to all districts in the country. The main aim of this Act is to enhance the purchasing power of rural people. World Development Report 2014 termed it a "stellar example of rural development" and noted economist Amartya Sen also said it is a good Scheme for employment generation in rural areas, but it has to be reformed. This Paper is an attempt to present a review of the “Mahatma Gandhi National Rural Employment Guarantee Act - With Special Reference to Telangana State.
BESIDES the cooperatives and other forms of organisations, there is yet another form of enterprise which is organised voluntarily by the members themselves to meet a variety of their needs. The Self-Help Groups [SHGs] are such organisations which are formed, nourished and managed by the members themselves.
The SHGs, people’s voluntary and informal institutions, are organised as viable alternative to achieve the objectives of rural development and to get community participation in rural development programmes. These are similar to traditional group activities in all communities. It is a new form of a movement which aims at reducing the incidence of poverty through the provision of easy credit. In case of self-movement, thrift and credit are the entry points of activity. Micro-finance or provision of financial services to low-income households, have come to be accepted in policy implementation as the most efficacious intervention to alleviate poverty, enhancing agricultural production and developing local leadership.
A Self-Help Group is an informal organisation of not less than 10 and not more than 20 people from the poorer section of the village society, organised, owned, operated and controlled by the members in a democratic manner, based on solidarity, reciprocity, common interest and resource pooling. Self-Help Group is a social design in which people participate by making themselves socially and economically accountable to each other. All SHGs are not necessarily linked to lead/focal bank because they do not need external credit except the support from their sponsoring organisations.
SHGs have been promoted under various programmes and by various development agencies. It has been found that SHGs can serve the needs of the small farmers better than the cooperatives. It is believed that Self-Help Groups are a sub-system of cooperatives.
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.
National Rural Livelihood Mission (NRLM) : An OverviewSayan Ghosh
National Rural Livelihood Mission (NRLM) is a poverty alleviation project implemented by the Ministry of Rural Development, Government of India. This scheme is focused on promoting self-employment and the organization of the rural poor. The basic idea behind this program is to organize the poor into SHG (Self Help Groups) groups and make them capable of self-employment. In 1999 after restructuring Integrated Rural Development Programme(IRDP), Ministry of Rural Development (MoRD) launched Swarnajayanti Grameen Swarojgar Yojana (SGSY) to focus on promoting self-employment among the rural poor. SGSY is now remodeled to form NRLM thereby plugging the shortfalls of the SGSY program. This PPT helps you to know about NRLM briefly.
In this slide,,,I showed and mentioned about the history and how it is working.....in the country of rural areas to develop the socio economic of people residing in village and nearby..
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
Entrepreneurial power and Socio-Economic policies shown by Mr. Yunus. His step to change the cycle of poverty is extremely successful. A micro-created system changed the way lending for poor.
Despite decades of planned development and poverty eradication programs at the national and state levels, poverty continues to persist in India. The National Rural Employment Guarantee Act (NREGA) has been a subject of lively debate, which aims at the ‘right to work’ enhancing the livelihood security of people in rural areas by guaranteeing hundred days of wage-employment in a financial year to a rural household who volunteer to do unskilled manual work. The National Rural Employment Guarantee Act was approved by the Indian Parliament in September 2005. It was renamed as ‘Mahatma Gandhi National Rural Employment Guarantee Act’ on 2-10-2009. This Act started functioning from 2nd Feb.2006. Initially it was introduced in 200 districts of the country and later extended to all districts in the country. The main aim of this Act is to enhance the purchasing power of rural people. World Development Report 2014 termed it a "stellar example of rural development" and noted economist Amartya Sen also said it is a good Scheme for employment generation in rural areas, but it has to be reformed. This Paper is an attempt to present a review of the “Mahatma Gandhi National Rural Employment Guarantee Act - With Special Reference to Telangana State.
BESIDES the cooperatives and other forms of organisations, there is yet another form of enterprise which is organised voluntarily by the members themselves to meet a variety of their needs. The Self-Help Groups [SHGs] are such organisations which are formed, nourished and managed by the members themselves.
The SHGs, people’s voluntary and informal institutions, are organised as viable alternative to achieve the objectives of rural development and to get community participation in rural development programmes. These are similar to traditional group activities in all communities. It is a new form of a movement which aims at reducing the incidence of poverty through the provision of easy credit. In case of self-movement, thrift and credit are the entry points of activity. Micro-finance or provision of financial services to low-income households, have come to be accepted in policy implementation as the most efficacious intervention to alleviate poverty, enhancing agricultural production and developing local leadership.
A Self-Help Group is an informal organisation of not less than 10 and not more than 20 people from the poorer section of the village society, organised, owned, operated and controlled by the members in a democratic manner, based on solidarity, reciprocity, common interest and resource pooling. Self-Help Group is a social design in which people participate by making themselves socially and economically accountable to each other. All SHGs are not necessarily linked to lead/focal bank because they do not need external credit except the support from their sponsoring organisations.
SHGs have been promoted under various programmes and by various development agencies. It has been found that SHGs can serve the needs of the small farmers better than the cooperatives. It is believed that Self-Help Groups are a sub-system of cooperatives.
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.
National Rural Livelihood Mission (NRLM) : An OverviewSayan Ghosh
National Rural Livelihood Mission (NRLM) is a poverty alleviation project implemented by the Ministry of Rural Development, Government of India. This scheme is focused on promoting self-employment and the organization of the rural poor. The basic idea behind this program is to organize the poor into SHG (Self Help Groups) groups and make them capable of self-employment. In 1999 after restructuring Integrated Rural Development Programme(IRDP), Ministry of Rural Development (MoRD) launched Swarnajayanti Grameen Swarojgar Yojana (SGSY) to focus on promoting self-employment among the rural poor. SGSY is now remodeled to form NRLM thereby plugging the shortfalls of the SGSY program. This PPT helps you to know about NRLM briefly.
In this slide,,,I showed and mentioned about the history and how it is working.....in the country of rural areas to develop the socio economic of people residing in village and nearby..
Selfhelpgroups - Default Management and Recoveries: A Study among the Schedul...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.
Participatory Poverty Alleviation And Economic Empowerment-Women’s Self Help ...inventionjournals
Another popular movement in financial inclusion is establishment of Self Help Groups (SHGs) in 1992. Through this programme financial inclusion had to be achieved to a considerable extent. Inclusive growth is possible through common people coming into the orbit for the development of economy. The term Self Help Group may be referred as a wide range of financial and non-financial associations in the form of Accumulating Saving and Credit Association (ASCA) promoted by government, NGOs or banks. SHGs are usually groups of women formed together, pool their savings and give loans to members. “There are 2.6 million of SHGs linked to public sector banks reaching nearly 40 million households through its members” (Rekha Rathore & Manika Garg, 2013). “Members of a society and their actions have been affected by one another and public authorities develop interest in the minds of members by pooling resources and sharing costs which is called as collective action” (Garber, 1995). “The development of network is made possible by SHGs through families, relatives, friends, neighbours and those who are associated with shared motivation and concerns come together with a specific intention” (Adams, 1996). The main objective of research paper is to examine the interest of SHGs to join into the group and to know progress of members after joining into group.
Cross Sector Collaboration & The Co-operative Decade, AACUL, 8.1.13NFCACoops
The 6th Principle of Co-operation recognizes that co-operatives serve their members most effectively and strengthen the co-operative movement by working together through local, regional, national and international structures. And yet, credit unions and other co-ops rarely take advantage of opportunities to work together across sectors to grow our businesses, benefit our members, and influence policy makers. Presentation by Erbin Crowell, Neighboring Food Co-op Association Executive Director, and Jon Reske, VP of Marketing at UMASS Five College Federal Credit Union.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
3. Introduction
SHG - is a group of people having a
common goal of socio-economic
sustainable development discussing
their problems and resolving it through
appropriate participation decision
making.
(KUMARAN,1997).
4. SHG- Is a homogeneous group of rural poor voluntarily
formed to save whatever amount they can conveniently
save out from their earnings and mutually agree to
contribute to a common fund from which to lend to
members for productive and emergent credit needs .
(NABARD,1995)
Cont..
Cont..
5. Objectives
1. To Understand the Concept of SHGs.
2. To Assess the Role of SHGs In Rural
Development.
3. To Review the Research Studies Related to the
Role of SHGs in Rural Development.
7. Quotations of SHGs
“The motto of every SHG member is saving first- credit
later”.
“The principle of SHG is one for all and, all for one”.
“Benefits of SHGs are based on Co-operation rather than
competition”.
8. The concept of SHG at international level was
introduced by Mohammed Yunus 1979.
Basically, micro-credit system gained the
momentum in the mid 90’s.
In India , the first effort was taken up by
NABARD in 1986-87.
In 19991-92 NABARD launched pilot project to
provide micro credit by linking with bank.
9. “Microfinance as the entire range of financial services
rendered to the poor and includes skill up-gradation,
entrepreneurial development that would enable them
to overcome poverty”.
Puhazhendi and Satyasi (2002)
Micro finance
10. A most notable milestone in the SHG movement was
when NABARD launched the pilot phase of the SHG Bank
Linkage programme in February 1992.
This was the first instance of mature SHGs that were
directly financed by a commercial bank.
SHG- Bank Linkage
11. The informal thrift and credit groups of poor were
recognized as bankable clients.
The linking of SHGs with the financial sector was
good for both sides.
13. •Total savings amount of SHGs with banks as on 31 March
2010 : Rs 6198.71 crore
•Out of total savings of exclusive Women SHGs : Rs 4498.66
crore
•Total amount of loans disbursed to SHGs during 2009-10 :
Rs 14453.30 crore
•Out of total loans disbursed to Women SHGs : Rs 12429.37
crore
Financial
14. •Total number of SHGs savings linked with banks : 69.53 lakh
•Exclusive Women SHGs : 53.10 lakh
•Total number of SHGs credit linked during 2009-10 : 15.87
lakh
•Exclusive Women SHGs credit linked : 12.94 lakh
Physical
15. •Total number of SHGs having loans outstanding as on 31
March 2010 : 48.51 lakh
•Estimated number of families covered upto 31 March
2010 : 97 million
Source ;Status of Micro Finance in India 2010 – NABARD Report
16. Group approach
Mutual trust
Organization of small and
manageable groups
Group cohesiveness
Demand based lending
The Basic Principles of the SHG:
17. Collateral free
Peer group pressure in repayment
Skill training, Capacity building and
Empowerment.
18. Components of an Effective Group Process
Understanding relevance and commitment to
goals.
Communication of ideas and feelings.
Active participation and distribution of
leadership.
Flexible use of decision-making procedures.
19. 19
Equality of power and influence.
High group cohesion.
High problem solving strategies.
High interpersonal effectiveness.
20. Structure of SHGs
The ideal size of an SHG is 10 to 20
members.
The group need not be registered.
Size of the group
21. Membership
From one family, only one person
can become a member of an SHG.
The group normally consists of either
only men or only women.
Women’s groups are generally found
to perform better.
Members should be between the
age group of 21-60 years.
22. Cont..
Size of group is small
Informal structure
Homogeneity in character
Simple guiding and operational
principles
Election of bearers for fixed terms
Majority of them illiterates
23. The strong belief by the individual to bring about
change through collective efforts
Effort is built on mutual trust and mutual support
Every individual is equal and responsible
Every individual is committed to the cause of the
group
GUIDING PRINCIPLES FOR
FORMATION OF SHGs
24. The belief and commitment by an individual that
through the group their standard of living will improve.
Savings is the foundation on which to build the group
for collective action.
27. Functions of SHGs
Meeting
Savings
Keeping of accounts
Books to be maintained by SHG
Minutes Book
Savings and Loan Register
28. Minutes Book: The proceedings of meetings, the rules of the
group, names of the members etc. are recorded in this book.
Savings and Loan Register: Shows the savings of members and
that of the group as a whole separately. Details of individual loans,
repayments, interest collected, balance etc. are entered here.
Weekly/Fortnightly/Monthly Register: Summary of receipts and Payments,
updated in every meeting.
Members Pass books: Individual member’s pass books in which
individual’s savings and loan balance outstanding is regularly entered.
29. Overall purposes of SHGs
To empower disabled people,
through collective action.
To take responsibility for their
development.
To improve the quality of life
in personal, social, economic
and political aspects.
38. Characteristics of Rural Poor
1.Socio-personal characteristics of the rural poor
1. They have low education
2.Social and institutional participation is low
3.Low adoption leadership
4.Low socio-economic status
5.Low adoption level.
39. 2.Socio-psychological characteristics of
the rural poor
1.They have low knowledge about new
technology
2. Very low risk orientation
3.Low political knowledge
4.Low aspiration level
5.Traditional value orientation
40. 3.Economic behaviour of rural
poor
1.Invest orientation is low
2.Low farm mechanization
3.Very high utilization of family labour.
4.Very high indebtedness.
41. 1. To generate additional employment
2. To impart and mobilize technical and
entrepreneurial skills
3. Raise the income level of the poor in the
rural system .
4. To create a habit of savings.
Need of SHGs
42. 5. Utilization of local resources.
6. To act as a media for socio-economic development
of the village
7. Create awareness about rights.
8. To assist the members financially at the time of
need.
43. 9. To identify problems, analyzing and finding solutions in
the group.
10. To develop linkages with institutions of NGOs.
11. To help in recovery of loans.
Cont..
44. 12. To gain mutual understanding, develop trust and self-
confidence.
13. To build up teamwork.
14. To develop leadership qualities.
45. 15.Governmental Programmes of family welfare
16.Promoting their nutritional and educational status
17.Awareness on environment
18.Public health through sanitation and clean drinking
water.
46. Animal husbandry
Poultry
Petty shop
Flower vending business
Pickle making
What people can do
47. Leaf plate making
Mushroom cultivation
Chilly powdering
Flour making
Papad making
Cont..
48. Selling of bakery items
Agarbathi making
cont
49. Problems of SHGs
A. Personal problems
1.Suppport or encouragement from family members
2.Lack of education
3.Lack of knowledge
4.Family problems
5.Lack of interest
52. D.Technological problems
1. Complexity of technology
2. High risk
3. Lack of raw material
4. Lack of concerned training
5. Lack of timely technical guidance
53. E.Marketing problems
1. Lack of established local market
2. Improper price
3. Transportation
4. Storage
5. Difficulty in meeting quality
54. 54
Criteria for Grading Self-
Help Groups
1. Vision, mission and goals
2. Size of SHGs
3. Economic status of members, newer SHGs, older
SHGs
4. Meeting – frequency, time and place
5. Attendance of members at meeting
55. 6.Participation of members in decision making
7.Responsibility sharing
8.Rules and regulations
9.Savings and Cash handling
10.Sanctioning and repayment of loans
56. 12. Rotation of common fund
13. Resource mobilization
14. Book keeping and documentation
15. Training programmes
16. Social and community action programmes
17. Education and literacy
63. Kanyakumari District
Out of 9 blocks 5 selected
From each block 15 villages selected
From one village 8 SHGs selected
From one SHG one member selected
120 respondents selected
Locale of Study
64. Major findings of the study
1.Majority (93.3 per cent) of the respondents were able to
contribute towards the family income.
2.Fourteen per cent of them also agree that they got skill up-
gradation.
3. About 64.17 per cent of the respondents agreed that they
understood the banking Operations.
65. Impact of SHGs in terms of income
Monthly Income Before joining
SHGs
After joining
SHGs
No income 30(25.00) -
Below Rs.300
301-600
22(18..33)
36(30.00)
20(16.67)
25(20.83)
601-900 21(17.5) 48(40.00)
901-1200 9(7.5) 17(14.17)
Above 1200 2(1.67) 10(8.33)
Total 120(100) 120(100)
Figures in bracket denote percentage
66. Benefits Received by the Self Help Members
Benefits of SHG
Opinion Total
Agree No
opinion
Disagree
Development of saving habit
among the poor
98
(81.67)
22
(18.33)
- 120
(100)
Access to larger quantum of
resources
75
(62.5)
17
(14.17)
28
(23.33)
120
(100)
Window for better
technology
68
(56.67)
19
(15.83)
33
(27.50)
120
(100)
Access to various
promotional assistance
83
(69.17)
25
(20.83)
12
(10.00)
120
(100)
Figures in bracket denote percentage
68. Sl.no Name of village Number of
SHGs
Total
members
1 Ponneri (vellori district) 6 130
2 Koodamalai (T.V. Malai
district)
8 138
3 Papparpatti(Dharmapur
i district)
6 130
Total 20 398
Locale of Study
69. Monthly Income of the Members Before and After Joining
SHGs
Before Joining SHGs After Joining SHGs
Sl.
No.
Monthly
Income Rs.
No. of
Respondents
Percentage No. of
Respondents
Percentage
1. Less than 1000 16 11.95 5 3.73
2. 1000-2000 25 18.66 26 19.40
3. 2000-3000 42 31.34 45 33.58
4. 3000-4000 4 2.96 14 10.45
5. 4000-5000 10 7.46 33 24.63
6. 5000-6000 5 3.75 6 4.48
7. Above 6000 2 1.49 3 2.23
8. Non-earning
members
30 22.39 2 1.49
Total 134 100.00 134 100.00
70. Monthly Family Expenditure of the Members Before
and After Joining SHGs
Before Joining SHGs After Joining SHGs
Sl.
No.
Monthly
Income Rs.
No. of
Respondents
% No. of
Respondents
%
1. Less than
1000
45 33.58 21 15.67
2. 1000-2000 56 41.79 35 26.12
3. 2000-3000 25 18.66 44 32.84
4. 3000-4000 5 3.73 25 18.65
5. Above 4000 3 2.24 9 6.72
134 100.00 134 100.00