I.CONCEPT OF SELF-HELP GROUP

Lo;a lgk;rk lewg dk fl)kar

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CONCEPT OF SELF-HELP GROUP Lo;a lgk;rk lewg dk fl)kar

SHG is formed for those people who are poor, having low saving capacity and who depend on money-lenders or landlords for meeting their day to day consumption and production needs.

Lo;a lgk;rk lewg ,sls yksxksa ds fy, cuk;k tkrk gS tks xjhc gaS] ftudh cpr djus dh {kerk de gS vkSj [kir vkSj mRiknu dh

vko’;drkvksa ds fy;s lkgwdkjksa ;k tehankjksa ij fuHkZj jguk iMrk gS

The group plays a role of facilitator rather than a money lender or middlemen. It is a model for development.

Lkewg lkgwdkj ;k fcpkSfy;k u gksdj jkLrk lqxe cukus dk dke djrk gS ;g fodkl dk ,d uewuk gS

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What is Self Help Group?Lo;a lgk;rk lewg D;k gS\

A homogenous group, consisting of 10 to 20 members, joining together for a specific purpose at a specific time and whose members use savings, credit and social involvement as “instrument” of empowerment.

,d leku Lrj ds 10 ls 20 lnL;ksa dk lewg] tks fdlh fof’k”B m)s’; ds fy;s fof’k”B le; ij feyrs gaS vkSj blds lnL; cpr] m/kkj vkSj lkekftd Hkkxhnkjh ds l’kDrhdj.k dk lk/ku curs gSa

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OBJECTIVES OF SELF HELP GROUP Lo;a lgk;rk lewg ds m}s’;

To inculcate saving habit regularly. fu;fer cpr dh vknr Mkyuk gSA

To meet consumption and production needs through accessibility of credit. [kir vkSj mRiknu vko’;drk;sa _.k }kjk iwjh djuk

To gain economic prosperity and eliminate poverty. vkfFkZd le`f) djokuk vkSj xjhch mUewyu djuk

To support each other as members of a group. lewg ds lnL;ksa ds :Ik esa ,d nwljs dk enn djuk

To establish linkages with other agencies. nwljh laLFkkvksa ls laidZ cuokuk

To enhance confidence level and decision making. fo’okl dk Lrj vkSj fu.kZ; ysus dk {kerk c<kuk

To increase the knowledge in general. lkekU; Kku c<kuk

To reduce exploitation and work as a pressure group. ’kks”k.k de djds ,d nckc lewg ds :Ik es dk;Z djokuk

To stimulate women’s entrepreneurship. Ekfgykvksa dh m|e’khyrk fodflr djokuk

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FUNCTIONS OF SHG Lo;a lgk;rk lewg ds dk;Z

Meeting cSBd Savings cpr Lending m/kkj nsuk Maintaing book of accounts & records:

fglkc fdrkc vkSj fjdkMZ dk j[kj[kko Common action programmes.

lkekU; fdz;kfUor dk;Zdze Linkages and networking with other agencies.

nwljh ,tsafl;ksa ls lEidZ djuk vkSj ,d tqV gksds muls tqMs jguk

Training and capacity building. izf’k{k.k vkSj {kerk fuekZ.k

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STRUCTURE OF A SELF-HELP GROUP Lo;a lgk;rk lewg dh lajpuk

Size vkdkj Participation Hkkxhnkjh Affinity vkReh;rk Leadership usr`Ro Voluntary in nature LoHkko ls LoSfPNd Democratic in nature LoHkko ls yksdrkaf=d Rules and regulations for effective functioning.

izHkkoh dk;Z djus ds fy, fu;e vkSj dkuwu Book keeping and maintenance of record

cgh [kkrs vkSj fjdkMZ dk j[kj[kko Informal in nature. LoHkko ls vukSipkfjd

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CHARACTERISTICS OF A GOOD SELF-HELP GROUP vPNs Lo;a lgk;rk lewg ds xq.k @ fo’ks”krk;sa

1. MEMBERSHIP LknL;rk 2. SAVINGS cpr3. LENDING _.k nsuk4. LEADERSHIP usr`Ro5. BOOKKEEPING AND RECORD cgh [kkrs vkSj

fjdkMZ6. MEETING WEEKLY / FORT NIGHTLY/ MONTHLY

lkIrkfgd@ ikf{kd@ ekfld cSBd 7. FUND MANAGEMENT foRr izcU/ku8. DECISION MAKING fu.kZ; ysuk 9. CONFLICT RESOLUTION leL;k lek/kku

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STAGES OF SELF HELP GROUP Lo;a lgk;rk lewg ds pj.k

Formation jpuk Stabilization LFkkbZdj.k Graduation dzfed o`f) Linkage lEidZ

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FORMATION jpuk

Identification of poor people in a village. xkaao esa xjhc O;fDr;ksa dk p;u

Motivation to form group. lewg cukus dh izsj.kk Selection of leader. usrk dks pquuk Conducting meeting. cSBdksa dk vk;kstu Saving regularly fu;fer cpr Understanding and adjusting each other.

,d nwljs dks le>uk vkSj leUo; cukuk

Trust building. fo’okl fuekZ.k djuk

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STABILISATION LFkkbZdj.k

Stabilisation of group members. lewg ds lnL;ksa dk LFkkbZdj.k

Handling group level transactions. lewg Lrj ij ysu nsu dk lapkyu

Starting lending._.k nsuk izkjEHk djuk Prioritising the issues and needs of the people.

yksxksa ls lacfU/kr fo”k; vkSj vko’;drkvksa dks izkFkfedrk nsukA

Facilitating defaulters to repay the amount and its importance for their development. nks”kh cdk;snkjksa dss _.k Hkqxrku dk jkLrk lqxe djuk vkSj muds fodkl esa bldk egRo le>kuk

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GRADUATION dzfed o`f)

Framing rules and regulations for defaulters. cdk;snkjksa ds fy;s fu;e dkuwu cukuk

Identifying agencies for credit needs. _.k nsusokyh laLFkkvksa dks <wa<uk

Leadership development. usr`Ro fodkl Book-keeping, monitoring and follow-up.

fglkc fdrkc] fuxjkuh vkSj vuqorZu

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LINKAGE lEidZ

Linkage with banks. cSadksa ls lEidZ vkSj tqMko

Linkage with govt. Agencies like DRDA,SC/BC Corporation, etc.

ljdkjh laLFkkvksa tSls DRDA,SC/BC fuxe vkfn ls lEidZ vkSj tqMko

Federation of SHG. Lo;a lgk;rk lewg dk egkla?k

Participation in development programme. fodkl dk;ksZa esa Hkkxhnkjh