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

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CARE-CASHE Project(A.P.)(implementedby 6 partnerNGOs)OUTREACH(Karnataka/Tamil Nadu)MicrofinancewithhouseholdenterpriseNGOPromoternowMFI/microfinancepluslivelihoods3 years Rs. 4,884 Actuals for twoyears plusprojected for 3 rd .yearStaff – Rs. 1,930Training –Rs.1,154Conveyance –Rs. 723Overheads (atNGO level) –Rs.10773 years Rs. 4,500-6,000Range reflectscost variationbetween freshlyappointed andexperiencedextension officer.Covers directcosts only –salaries,conveyance,training (trainingcost Rs. 3,000per SHG)1. Essentially sectoral MF intervention with objectiveof establishing sustainable SHGs and apex bodies forfinancial and other services started in Dec. 1999.2. Average cost for 5 out of 6 partner NGO-MFIs/promoters.3. Objective is also to strengthen partner NGOstowards scaling up.4. Excludes costs at CARE-India, which cover a widerange of activities for the development of the MFsector.5. Revolving fund grant provided to SHGs.6. Less than 20% of groups are newly formed, rest areold groups formed under the DWCRA programmethat are being strengthened.7. Approximately 700 clients (or 40-50 SHGs) perfield worker1. SHGs part of a vision of cluster level communitybased development institutions.2. Links with participatory watershed programme –‘watershed plus’ and microenterprise development.3. Four stages in SHG development of retrieval,development, consolidation and withdrawal over 3-5years.4. One extension officer covers 15 groups in the first 6months and adds 5 more groups every 6 months.5. 10 one-day programmes for SHGs covering 10training modules at different points in time.6. SHGs formed into cluster level associations (CLAs)which promote new groups in their area afterformation.38
MYRADA(Karnataka/Tamil Nadua.o)NGOpromoter,banklinkage/microfinancepluslivelihoods3 years Rs.15,000-25,000Covers staff,motorcycle,office rent (Rs.500-600), cost ofsuperior office,training, writerof groupaccounts1. SHGs are affinity groups strongly linked tolivelihoods programmes.2. Covers costs to federation stage.3. SHGs, not always, come together into non-financialfederations which also help to form new groups4. Federation formation process starts within 6 monthsof birth of SHG.5. SHGs put through 14 training sessions.6. Based upon assumption of one communityorganiser supporting 12-15 SHGs of 20 membersPRADAN-Hazaribagh(Jharkhand)(UNICEF CCAProject)do. 3 years 12,100 Yr. 1 – Rs. 5,500Yr. 2 – Rs. 4,400Yr. 3 – Rs. 2,2001.Members’training- Rs.1,4002.Professionals’salaries andtransport – Rs.9,0003. Accountstraining- Rs. 2004. Other – Rs.400 plus 10%overheads(office,equipment,support staff, etc)1. Programme under UNICEF Convergent CommunityAction (CCA) Project. NGO acts only as promoter ofSHGs towards bank-linkage and cluster-level nonfinancialfederations.2. SHG moves through 5 stages, pre-formation (0-1month), formation (2-4 months), stabilisation (5-8months), growth (9-18 months) and expansion (18-36months).3. Strongly linked to livelihoods through parallelprograms of lift irrigation, watershed development, andmicroenterprise.4. Development support team of professionalspromotes groups, no field staff.5. SHGs trained to manage own affairs and to meetvarious costs right from outset.6. Each professional promotes 25-30 groups per year.39
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 46 and 47: the high level of educated unemploy
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

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

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