Self-help Groups as Financial Intermediaries in India ... - Sa-Dhan

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the high level of educated unemployment. On the other hand in Jharkhand it isdifficult to retain group accountants who are often able to find jobs in the townson the strength of the training they receive for SHG record keeping.36
Table 4.1 Estimates of average cost of SHG promotion - per SHG (10-20 members)Organisation/Project/Area ofoperationType ofprogramme/SHGPeriod Costs ofpromotion(Rs. PerDetails of costs RemarksBASIX(µFA initiative)Khammamdistrict(A. P.)UNDP -SAPAP ProjectKurnool,Anantapur &Mehboobnagardistricts(A.P.)ApproachNBFC/MinimalistcreditProjectimplementedthroughNGOs/Microfinanceplusempowerment15-18monthsfromSHGformation tolinkage3 to 4yearsSHGRs. 4,5001.Service chargefor microfinanceagent (Rs.1,800).2. SHG trainingat BASIX3. Stationery, etc.Rs. 15,000 Yr. 1 – Rs. 2,000Yr. 2 – Rs. 6,000Yr. 3 – Rs. 7,0001.SHGs promoted through microfinance agents (µFAs)paid on performance through stages of formation,graduation and linkage of SHG with BASIX.2. Includes overhead costs at BASIX (approx. Rs.1,500).3. µFA is also paid a commission – one-eighth ofinterest collections from SHGs after linkage.4. Potentially sustainable model with income fromSHG loans paying for the direct cost of promotion.Payback period 4-5 years.1. Interactive work on social issues plus specificinputs on building SHG capabilities on savings andcredit.2. Seed capital provided to village organisations(VOs) (primary federations of 10-15 SHGs)3. Additional cost of promoting mandal federations(mandal mahila samakhya) is Rs. 20,000 per VO.(mandal = 40-50 villages)(25 VOs per mandal)4. Covers additional training, staff time, exposurevisits and expert fees.5. Groups/federations linked to banks/BASIX.6. Successor World Bank DPIP project in A.P. ismore comprehensive covering social mobilisation,social security and additional saving products -SHG promotion cost estimated at Rs. 20,000.37
Page 4 and 5: List of AcronymsAIAMEDAIMSAPMASASAA
Page 6 and 7: EXECUTIVE SUMMARY1. Introduction1.1
Page 8 and 9: self-management by members and scal
Page 10 and 11: 6.4 On the other hand field reports
Page 12 and 13: sustainable self-help groups. An in
Page 14 and 15: 2. DEVELOPMENT OF SELF-HELP GROUPS
Page 16 and 17: average loan per SHG was Rs. 18,227
Page 18 and 19: • training and sensitising bank o
Page 20 and 21: organizational structure and the na
Page 22 and 23: Table 2.1 (contd.)S.No.ParticularsN
Page 24 and 25: the SHG from banks starts from pari
Page 26 and 27: • In either situation SHGs can co
Page 28 and 29: 3.2.3 SHG Federations Linked to MF
Page 32 and 33: 3.4 ConclusionThis section served t
Page 34 and 35: MYRADA,Karnatakaa.o.OUTREACH,Karnat
Page 36 and 37: Name ofNGO/StateDHANFoundation,Tami
Page 38 and 39: However, for a comparative analysis
Page 40 and 41: linkages with credit and savings 34
Page 42 and 43: out of 5,153 SHGs covered under the
Page 44 and 45: eceived revolving fund grants, cost
Page 48 and 49: CARE-CASHE Project(A.P.)(implemente
Page 50 and 51: Holy CrossSocial ServiceCentre(HCSS
Page 52 and 53: Agency/Programme5. Rashtriya Mahila
Page 54 and 55: microfinance intermediary 41 . Unde
Page 56 and 57: On the other hand, there is evidenc
Page 58 and 59: infrastructural and other constrain
Page 60 and 61: would not be possible while working
Page 62 and 63: through the SHG as a basis to sourc
Page 64 and 65: the programme is particularly probl
Page 66 and 67: It is possible to query the methodo
Page 68 and 69: world. Other partners from India ar
Page 70 and 71: RECOMMENDATIONSIt is not clear what
Page 72 and 73: REFERENCESAIAMED (2000), Good Pract
Page 75: Mahajan, Vijay and G. Nagasri (1999
Page 79 and 80: Appendix 2: Types of SHGsTypes of S
Page 81 and 82: Appendix 3 (contd.)OrganisationSIDB
Page 83 and 84: 4. Trade based Group model: The est
Page 85 and 86: Appendix 5S.No.1. JOTHI 92,077.00
Page 87: Appendix 6: Stages of Evolution of

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