SELF HELP GROUP

An Integrated Framework for SHGs

Constituted of 10 to 20 Members

Preferably Members should be from Homogenous Background

Women SHGs have Greater Sustainability

Key to Women Empowerment and Rural Development (As seen in Southern India)

SELF HELP GROUPS

5 MAJOR REQUIREMENTS OF SHGS

Saving

Record Keeping

Economic Activities

Meeting

Transaction

Most of the Works are Done by Women, especially in Rural Area

Pan India Recognition of Rajasthani Handicrafts, Dresses and Food Items

Several Area Specific Products have lots of Potential

A good source of Forest Products

Several Departments and NGOs are already working with SHGs in Remote Areas

PERSPECTIVE & PROSPECTIVE IN RAJASTHAN

3 APPROACHESBy

Officials

WCDMostly

Non Function

al

By NGO Others

Mostly Defaulte

r

By Memb

ersRaajivika

Self Sustaina

ble

SHG STATUS

2,53,837 SHGs Formed (Since 1997-98)

92,845 SHGs Verified to be Functional.

6,349 SHGs Linked with Market (Since

2014-15)

1,84,589 Credit Linkage (Since 1997-98)

Rs 813 Cr Disbursed as Loan (Since 1997-

98)

WCD Department

SHG STATUS

40,000 SHGs Formed

4.55 Lac Households Benefited

29,337 SHGs availed Revolving Fund

17,113 SHGs availed fund of livelihood (Linked with Market)

8,658 SHGs Credit Linkage

RD Department

Financial Scheme was mainly under SGSY

SHGs are formed by NGO

One Time Subsidies were given Upto 1.15 Lac

Financial Scheme is mainly under NRLM

SHGs are formed by CRP, which is a member of SHG

Staggered Subsidies were given Upto 1.15 Lac

WCD VS NRLM

WCD/SGSY NRLM/RGAVP

COMMUNITY RESOURCE PERSON (CRP) APPROACH

“Programme for the Poor, by the Poor”

FEATURES OF CRP APPROACH

SHG Formation by Community Resource Persons (CRPs)

CRPs are women SHG members,

who have come out of poverty

Should have benefitted socially and economically, through SHG.

May or may not be literate. No involvement of Departmental Staff in formation of

SHGs Through this approach, Poor come out of poverty in 6-8

years.

COMMUNITY INSTITUTIONS

Village Organization (VO)

(10 – 15 SHGs)

(30-40 VOs)

Cluster level Federations (CLF)

Self Help Group(SHG)

(10 – 15 Members)

 

2014-15

2015-16

2016-17

2017-18

2018-19

2019-20

2020-21

2021-22

Districts 22 25 33 33 33 33 33 33 Blocks 42 92 213 295 295 295 295 295 Villages 2000 4300 9625 17000 31160 44672 44672 44672Households (In Lacs)

3 5.21 9.87 17.1 25.1 35.47 45.6 54

SHGs 25000

44000 83000 143000 21000

0 295000 380000 450000

*Revised Expansion plan was approved in a meeting chaired by Chief Secretary on 23th Dec 2014

EXPANSION(PHASING ) PLAN

INTERMEDIARY OUTCOMES

94% of the members availed loan from SHGs

70% of loan utilized for their livelihood enhancement

Average amount of loan availed per member is Rs 24838

Increase in income per SHG member is Rs 1380 per month

45% of the SHG members purchased assets from the loan

taken from SHGs

66% of the SHG members income enhanced .

Study done by Mott McDonald

FLAWS

No Single Window/Common Portal or Platform

Unorganized Marketing Initiatives

Field Level Issues are not dealt as per needs

Follow up discontinuity

Training, Financing and Marketing mechanism is not handled properly

Never become a Public Movement or part of Government Campaign

FLAWS

Person Specific Data Integration is not Available

Members are unnecessarily being duplicated in more than One Group

No proper Monitoring Mechanism

Several Groups were made on paper only or to grab Government Subsidy

WCD

Now WCD is porting its data to Rajivika portal

3 MAJOR BOTTLENECKS

1/3 of the SHGs don’t get Finances from Banks

1/3 of the SHGs don’t know the proper utilization of Financial Assistance

Not more than ¼th of the SHGs get Market Links

THE FIELD LEVEL PROBLEMS

I don’t know

What’sSHG

How to form SHG

How to get Loan

Where to get

Training

Where to sell

Products

Why should I

form SHG

Before Formation After Formation

TRAINING PLATFORM

By Department officials

By Empanelled Institutes• R-SETI• FDDI• CESBM• NIFT• ATDC

By National Rural Livelihoods Mission (NRLM)

By RSLDC (Not Used)

FINANCING PLATFORM

Financing Departments/Institutions-• NABARD• NRLM(RGAVP)• WCD• TAD• Other Departments• NGOs/Corporate Sector

Suggestions-• Opening Group Accounts to channelize the

Savings• Easy Micro financing by Banks for Economic

Activities• Providing Proper Marketing Platform for

Income Generation

MARKETING PLATFORM

GoI initiated Mahila e-HaatGoR-

• A Specific Society named Amrita was formed in 2008 to provide Market Linkages to SHGs

• It Organises 2 Fairs named National Amrita Haat Every Year at Jaipur

• Fairs at Division Level From 2015-16

Suggestion-• Re-Organising and Strengthening of Society • A Revolving Fund could be given• May be Authorized to recommend for Start

Up Benefits• May Set Up Quality Check Cell

1. Organizing Amrita Haat (fairs) for SHGs at Divisional and District level.

2. Ensuring participation of SHGs in the fairs of various departments

3.Getting permanent counters for SHGs in the market places.

1. Establishing Permanent Marketing Center at Division Level for SHG products through Amrita Society

2. Online marketing of SHG products through Amrita Society.

PLAN OF ESTABLISHING MAHILA SAMRIDHI BAZAR

Short Term Medium Term

Envisaged by WCD in 2 Stages.

MARKETING STRATEGY

Packaging

Branding

Setting Quality Standard

Mutual Coordination

Sharing Success Stories

Providing Marketing Platforms

(Needs to be fulfilled)

POTENTIAL

Bhamashah is already providing financial inclusion tool for all

Jan Dhan Yojna and eMitra BC model is ready for integration with Banking Facilities

MGNREGA has huge potential in SHG convergence

Co-operative Societies/Shops could be utilized for augmentation

Various Departments have already constituted and recognized SHGs

STRATEGY

All SHG Related Activities be Integrated across the Departments

A Nodal Department for all SHG related activities and coordination

Simplification of Process and Formats

Training of selected members from SHG by RSLDCIdentification of Valuable Economic Activities A Campaign cum Awareness Program for SHG Formation/Augmentation

Requirement Based Schemes, if Necessary after Initiation

Administrative

Individual Identity Family Identity

A Common Portal could be made mandatory for all SHG related activities

• RGAVP (Sakh Darpan), Raj Poshan, Amrita and Mahila e-Haat could be Integrated

Unique Code for Each Group and its Member Integrated with Bhamashah/AaadharAutomated Process Driven Evaluation/MonitoringA Simple App for Group Members, Facilitators and Government OfficialsRegular Meetings, Savings, Loaning and Other Proceeding must be Online

STRATEGYIT Related

MARKETING STRATEGYCataloging of Products such as

• Food/Edible Items• Natural/ Herbal Medicines• Cosmetics• Decorative Items/Handicraft/Furniture• Garments• Animal Husbandry/Dairy

Grading, Marking and Rating Mechanism be promoted for Quality ControlTraining and Skill Upgradation through RSLDC, ITIs, other partnersGramin Haats could be handed over to WCDs Amrita SocietyE-Commerce Websites (Alibaba, Amazon, Flipkart etc) could be UsedPDS/Annapurna Bhandar / Cooperative Stores could be utilizedA Revolving Fund for Amrita Society

Government of Rajasthan

Online Applications

Specific SchemesTraining

Financing

Reporting

Facilitators

Initiatives

Formats

Products

Grievances

All SHG related works at One Click

Enter

Marketing

Evaluation

Helpline

About Us Weblinks Contacts Partners Search

e-Common Porta

l

WCD/ICDSRD(NRLM)RD(NREGA)RSLDC

Food & Civil SupplyCo-operativeAgriculture & AHForest

INTEGRATION & COORDINATION NEEDED

Departments in 1st Phase Departments in 2nd Phase

SIMPLIFICATION OF PROCESS

Records should be Simple and Minimum

Currently 8 Registers are required to Maintain by SHG

Almost all could be clubbed in one Diary of 12 Pages

Common Portal & App

Data Entry

Verification

New Creation

Training Need Identification

Economic Activity Identification

Evaluation

Assistance

3-6 Months

2 Months

1 Month

1 Month

1 Month

1 Month

1 Month

Regular

TIMELINE Required Action Time frame

Several Activities can

go Simultaneousl

y

ADVANTAGE

Use of Skill and channelizing the Savings of Vulnerable Sections

Will help in compliance of Suraj

Sankalp Commitment (15 Lac

Employment Opportunities)

Financial Assistance / Livelihood

Creation for most marginalized

families(About 2 lac families)

Empowerment of more than 20 Lac Women

OTHER ADVANTAGESDoes not need any Extra Budget Right Now

Several Corporate firms may assist in CSR

SHGs Can Play Better Roles in-• FPS/PDS• MDM• NREGA Nursery

Strengthen other areas of concern for Women-

• Health• Education• Empowerment

Exponential Expansion

Creating a Women's SHG,

isn't only a formation ofA group of individuals,

ButFormation of a New Society

Because “You educate a man;

You educate an individual,You educate a woman; you educate a Family,

AndA Generation.”

From one to many

संगच्छध्व,ं संवदध्वं, सं वो मनांसिस जानताम्.

THANKS