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Self Help Group

Self Help Group SHG is a self-managed institution of 10-20 members, based on common interest & affinity for socio-economic improvement of their members. WHY SHG ?. To Organize Women Enhance Participation Level To inculcate saving habits Based on Principles of Coop.

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Self Help Group

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  1. Self Help Group SHG is a self-managed institution of 10-20 members, based on common interest & affinity for socio-economic improvement of their members. MANSHA RUDLABS (Rural Development Labs)

  2. WHY SHG ? • To Organize Women • Enhance Participation Level • To inculcate saving habits • Based on Principles of Coop. • Suitable Platform for women • Enhance capacities of Women • Successful base MANSHA RUDLABS (Rural Development Labs)

  3. UNFOLDING SHG STAGES Thrift & Credit Social Oriented Micro-enterprises MANSHA RUDLABS (Rural Development Labs)

  4. Objectives • To create an appropriate & sensitive forum for addressing the need of people • To inculcate saving habits in the community • To generate the sense of collective action • To improve socio-economic status • To access the outside resources MANSHA RUDLABS (Rural Development Labs)

  5. SELF HELP GROUP LEARNINGS • Group should be within ward area. • Economic homogeneity is rather more important than caste. • Group leadership leads to community leadership. • women become economically viable segment of their family. • Group must have develop a vision for long-term association. • Trainings & Exposures has a greater role. • Training designed for confidence & mutual trust building aspects. INDIAN FARM FORESTRY DEVELOPMENT COOPERATIVE LTD MANSHA RUDLABS (Rural Development Labs)

  6. Functions of S.H.G. • Conducting half monthly meetings at specified time and venue fixed by members. • Savings. • Loaning & Repayment. • Maintaining books of account & records. • Members oriented Action Programmes. • Liaison & Linkages with FI/Gos/other agencies. • Training & Capacity building. MANSHA RUDLABS (Rural Development Labs)

  7. Structure of SHG · 10-20 members · 3 representatives (Jankar) for minimum one year · Chairperson (rotational basis) for each meeting MANSHA RUDLABS (Rural Development Labs)

  8. Rules and regulations •   Meeting frequency per month. • Savings amount per month. • Quorum (Minimum 70 Percent) • Rate of Interest on: • Internal Loan. • Bank Loan. • Repayment Period • Internal Loan & • Bank Loan • Rules in case of Withdrawal from Group. • Rules for Joining of New Member. • (Contd.) MANSHA RUDLABS (Rural Development Labs)

  9. Rules in case of Withdrawal from Group. • Rules for Joining of New Member. • Rules for changing of Nominated Member (Sahyogi) • Fine Related to not attending the meeting Irregular saving. Non – Repayment of loan on time. • Rules for Loan on savings. • Rules for Bank Transaction. • Rules for Membership. MANSHA RUDLABS (Rural Development Labs)

  10. Fund Total fund includes saving fund + development fund (vikas kosh) MANSHA RUDLABS (Rural Development Labs)

  11. Advantages of SHGs Initiative Responsibility Ownership Capacity Building Self confidence $ self esteem Mutual help Access to larger pool of resources Channel of functioning MANSHA RUDLABS (Rural Development Labs)

  12. MANSHA RUDLABS (Rural Development Labs)

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