Tips for Field Worker s Vol 2 - Vanbandhu Kalyan Yojana

Tips for Field Workers
a sensitization workshop for bank
officers who are working in the Project
area.
b. Attend Block Level Banker’s Committee
Meeting: The DPM should make it a
point to regularly attend the BLBC
meeting. The WDCs have been asked
to request State Governments to have
the DPM nominated to the District and
Block level Banker’s Committees. The
field worker should bring her problems
to the notice of the DPM and request
her to discuss them at these meetings;
c. Organise exposure visits for good SHGs to their bank
branches;
d. Organise exposure visits for local branch managers and
bank staff to good SHGs in their service area; and
e. Organise exposure visits of district level bank officers
and NABARD officers to good SHGs. 3
Audit of SHGs
Definition: Checking of books of accounts and other
registers for corrective action.
A team of experienced local persons identified and trained
by NGOs can handle it. Project can pay for training of such
auditors. The main features of such audit could be:
It should be done at six monthly intervals;
The audit charges should be around Rs. 25 and should
be paid by the group; and
It should not be for finding faults and should focus on
safety of members funds and group procedures. It
should focus on the following:
Proceeding register and other books of SHG;
Verification of individual and bank passbooks;
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3 How to handle defaults:
The latest RBI instructions say that even if family members of SHG members are bank loan
defaulters, the bank should not deny loans to these SHGs. The reason behind this is that the
bank is granting the loan to the SHG and not to the individual member. However, the SHG
should ensure that it does not grant loans to defaulting members.