State of the Sector Report 2010 - Microfinance Gateway

30 MICROFINANCE INDIARegion/StateF Southern RegionNo. of PrimaryFederationsNo. of SecondaryFederationsNo. of TertiaryFederations25 Andhra Pradesh 44502 1228 22 4575226 Karnataka 4517 8 2 452727 Kerala 17040 1061 0 1810128 Tamil Nadu 13443 173 1 13617TotalRegion-Total 79502 2470 25 81997G Union Territories29 Pondicherry 1 0 0 1Region-Total 1 0 0 0GRAND TOTAL 158166 5465 100 163730Source: # Andhra Pradesh Mahila Abivriddhi Society (APMAS).Note: * Federations are there. But information is not available.Notes1. The last year’s data used in the report was provisional.The revised data of NABARD for 2008–09 wasthat 4.22 million groups had outstanding loans withbanks to the tune of ` 226.79 billion. The variancein data was that groups were revised upwards by 2per cent, and the loans were revised downwards by6.5 per cent. The current year’s data is also provisionalsubject to revision by end of September.2. MYRADA has pioneered the formation and linkageof groups. It came up with the concept of CommunityManagement Resource Centres which servicethe different requirements of affiliated SHGs.3. Dhan Foundation has a tiered structure of SHGfederations that are active in livelihoods apart fromfinance. The handholding by Dhan is effective andhelps the SHGs to function on sound lines.4. During a workshop organized by College of AgriculturalBanking in Hyderabad, July 2010.5. ‘Access to Finance in Andhra Pradesh’, 2010, CMF–IFMR and Centre for Microfinance Research fundedby NABARD.6. ‘Status of Savings in Andhra Pradesh, 2009–10’, RajaReddy, APMAS.7. ‘Microfinance and the dynamics of financial vulnerability—Lessonsfrom rural South India’, RuralMicrofinance and Employment Project, Universitede Provence, working paper 2009–05 by IsabelleGuérin, Marc Roesch, Santosh Kumar, Venkatasubramanianand Mariam Sangare.8. ‘SHG linkage programme and financial inclusion’,Dr K.B. Rangappa, Renuka Bai and A.L. Sandesh,Kuvempu University, Karnataka.9. ‘Impact of Kalanjiam Groups’, M.S. Sriram, IIMAhmedabad, for Sir Ratan Tata Trust.10. Excerpted from NABARD Annual Report 2009–10.11. This is a geographically delineated administrativeunit of the government at the sub-block level.12. Deep Joshi is the founder of Pradhan and he carriedout the study of IKP recently for APMAS.13. Based on a visit and discussion with Board and CEOof Swayanshree. The author gratefully acknowledgesthe contributions of Amulya Mohanty of Access,Bhubaneswar.