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Shg Report

Shg Report

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LEARNINGS IN FIELD WORK-2 -Ramesh Abhishek

Knowing and learning are relative terms. With my learning, I got a lot of knowledge during my field works. Here, I was in the stage of learning by doing in my field work-2. Actually, when I was engaged in my field work-1, I got to know the basic concepts of work culture in PRADAN through SHG. I got to know about the engagement of professionals according to the plan of team but I could not understand the major objective of the team as well as professionals. I also want to state that I could not understand the objective of my village study with different survey report. Actually, I could not co-relate my task with our team plan. So, I was little confused in my field work-1. When I spent 45 days in my foundation course-1, then I grabbed the knowledge from the module of PRADAN’s approach. This module helped me and then I got to know the ideal status of an SHG, Cluster, different constituents of INRM, its importance for the people living in tidal areas and the more important thing I got to know that why these things, I have to know and learn in my DAship programme. After getting all these theoretical knowledge with quite few field works in my FC-1, I joined my team and placed again at my sub location. Here, I learnt through my field work in last 7 months. Even I am sharing here my present status of learning, is for the first time and this is my learning as well. Your feedbacks will help me to learn and I think to grab the knowledge throughout the day, which will help to learn more and more. I make no bones about the fact that I am always learning and striving to deepen my knowledge, so what I know today is unfinished. I want to set myself at a position from where I can see the things with different possible angles and also I can think that what is possible and what is waiting for my influence. I am learning and growing strategically. I work as a change agent in CBO’s. I work with around 40 SHG and in those groups, I had to make an understanding for SHG & Clusters to work as a team, paying close attention to the quality of the conversation they had and are they focused logistic at the expanse of the future?

SHG A self-help group (SHG) is a village-based group, usually composed of 10-20 local women. They have homogeneous social and economical backgrounds; coming together to save regular small sums of money for their emergency needs on the basis of mutual help. A group can be formed with at least 10 members and 20 for the maximum. When the number of members will be lower than 10, then the process of sharing and saving money will not adequate for the benefits of the group member. Also an SHG brings a sense of unity inside the group. OBJECTIVES of SHG The formation of SHG is to support each and every members of the group. It can be a way to enhance the living standard, confidence and the skill of the member. It is needed to increase the awareness on stakeholders like block, bank and other govt institutions and its schemes. Also it helps to resolve the village level issue and initiate the village development activities. Also I got to learn

Around 20 minutes later 28 didi and 7 dada were present under a banyan tree. Here are some areas where I learnt with the process. they can take the loans as we can say that the SHG have their credit facility within the members and with the bank also to support in their livelihood activities. Obra. I got to know the entire village profile by the sharing of didi and dada. Bokaro. I was engaged with SHG in the village Jhirkey. poultry and animal husbandry. There were 4-5 dada and 5-6 didi came around the conversation during that mean time. Such positive response from the community side made me excited and helped to build my confidence. Chipudag was the village where I had to go. I asked them to talk for a moment. With all these observation. I reached at 10:50 am in the village and got to know that I am standing in Jara Tola of the village. babutola and kamartola of Jaridih block during my INRM planning in this area. It was a fresh exciting morning for me when I was ready to leave the office at 10:20 am. in which 480 families are involved. Actually. Due to this. It helps to increase the knowledge on different livelihood option like agriculture. So. Some were little shy to suggest the name but some were very active and suggested that the name will be related with the Goddess. I selected Chipudag. dada and didi were excited and brought a chair for me. Jhirkey and Jagudih. There was a lot of learning with my each and every SHG meeting. In this way I progressed the meeting to form 2 new SHG with 28 didi. Now the meeting had started. FORMATION OF SHG According to the computer Munshi and the community service provider. Obra and Jhirkey to form the groups. So.that the objective of SHG to create awareness of the member on the optimum utilisation of the available resources around them. Study on SHG During my field work 2 in last 7 months. when I shared this concept. zebra. There are total 41 SHG in my working area. The name was suggested by the member itself. Then I planned to form SHG in these areas. I got to know and find that there is some untouched area where not any SHG was formed. It was 13 km in west direction from our Petarbar office as I was guided. Zebra. I shared a theme to form a group of women and save money for future uses. These patches were mostly Chipudag. Obra. I conducted the number of meetings in both the groups for some activities related with norms and values need based trainings. need and benefits of SHG. it was my first experience to facilitate the community. I grabbed the idea about these village profiles regarding the hamlets and the demography by the help of relative community service provider of the village. There was some Dada near around a hand pump. Chipudag and Kenduadih of Petarbar block. Didi were interested to form such SHG from last 6 months as they shared. . After collecting required idea about such villages. which was under Ordana and Ulgada panchayat of Peterbar block. Then I told them to call all didi living in the hamlet Jara Tola. The name of these two newly formed SHG was Veena Mahila mandal and Laxmi Mahila Mandal. Osam. There are around 250 running SHG in Petarbar. They had a little idea about the need and the work function of SHG but there was not any person to guide them. Also I was engaged with SHG in the village Jilingtanr. Now it was the time to share the meaning of SHG. sharing on government’s scheme and the bank linkages of SHG in parallel ways. They also shared that there are 7 SHG is running around their village but they had not much idea about it. My first move to form an SHG was on 7th day of April.

observations and my learning and feelings in initial SHG meetings of newly formed SHG. 10/. I successfully conducted the meeting with the formation of three new SHG. The members decided the name of their respective SHG. I planned to visit in the village Obra to share the concept of SHG. During that period. It was my great experience to facilitate such a huge crowd. The name was Madai Mahila Mandal having 15 members of SC (harijan) community. The participants knew the need of SHG but they could not guided by anyone. Meeti ng No. they were very much excited to know all about the SHG relating to their norms and values.Similarly. plans for the needy people. So. Hence. I was informed that some didi are interested to form their SHG in Obra village (near Zebra village). 10/. I was experienced by the formation of 3 SHG in Obra village of Petarbar Block. Then. I told her that all these things will share in the meeting which was going to start within 5 minutes. 01 Activities done      Shared the theme of SHG Group was formed with a name Initial norms were set Shared the process of group meeting Need and values of saving money    Observations 14 members were seated in an open elliptical shape Damyanti didi was vocal member 8 member participated in group conversation with low and high frequency 6 member were silent during the meeting 2 Didi were absent 1 Didi could not brought Rs. in a hot summer days.by the members Followed the group process Meeting time and day was fixed Group process were checked           Conscious about the response from the group Should focus on the objectives in the meeting Give the clear under standing Should be soft spoken . Didi were murmuring with each other. One didi. named Sumitra Devi was a Para teacher. Govt. Here are the process of activities done. On 6th day of June. there were around 50 members came in the meeting in an Aanganbari Kendra. Obra. There was a healthy crowd in the Aanganbari centre of rajwae Tola. came to me and asked about the Govt. Hari Mahila Mandal having 15 members of OBC (Mahto) community and the third one was Saraswati Mahila Mandal having 18 members also of OBC (mahto) community. intervention plans and the future aspects of SHG.to save Accountant was feeling uneasy in book keeping A polly bag was there for register and cash deposited Willingness of the member to know the next steps regarding the meeting process. 2 didi was 10 minutes late Learning & feelings   Little excited First experience to deal with the community Healthy sharing   02      03  Bought a new register for book keeping Found a member within the group to record the cash transaction (known as accountant/lekhapal of the Group) Saved Rs. with a lot of conversations between us. Actually I was looking out the village Zebra for the proper running of SHG.

They are also strict to fine double interest after the deadline of the borrowed money from the group. 5. they will have to share the time duration for the repayment of the loan taken from the box. The .50 as an interest on Rs. They are very much strict with their norms and values. Discussed the norms related with presence. 1 and the absent members (without any prior information) have to pay Rs. absence. The members are young in age and trying to seek the knowledge from the block office as well as about the bank for opening the bank account. the time will cross. almost all the group members come at the time and the meeting starts sharply within 15 minutes from the scheduled time. They also shares about their hamlet level issues and trying to resolve the problems. I observed that 2-3 members are not willing to participate actively in the meeting process. from the group and repaying the interests on time. 2 didi was guided to maintain the book keeping It was easy to understand about trainings Accountant Training was tough 4 didi were more vocal 12 didi were participated to share the process of last meeting 4 didi were feeling shy   04   Master data was taken Importance of master data was shared RMTS. They are borrowing money at the rate of Rs. 0. to talk her and keep her as an asset of the group. borrow and savings in the group meeting    1 didi was 15 minutes late All members were present Exited to save their saving Difficult to understand about master data 1 didi asked the need of master data Members were excited to have such books. 100 for I week. They punish the late members with a fine of Rs. the member will have to pay double interest in each of the meeting. their account system and compared with some old SHG of my working area. Actually. I suggested the other members to support her. When. One thing. as per my observation. Passbook and minute book was provided Shared its importance Shared the book keeping process Shared about the different need based trainings Shared the role of accountant and Accountant training The group was told to share about the process of last meeting Meeting was observed and feedback was given        05    06      Try to listen the members Understandi ng the current problem Excited for the master data Healthy talk Tough day to understand them for book keeping Particular time of need based trainings 07      Members understandi -ng was not clear  After the formation of these SHG. System of Meeting process In the newly formed groups. Also they are building the sense of strength inside the group. I observed their system of meeting process.

1000 in the group. I facilitated the group and tried to resolve the issue by the members itself. they are investing money for their improved agriculture and producing vegetables in kharif season. I found in the group and with the successful execution. I conducted some need based trainings regarding norms and values. Groups of Jhirkey are functioning with the discussion about the village issues and norms. otherwise the member will come late and the half day training will draw a whole day engagement. As it says that the left side is for the cash came in the box and the right side is for the cash move out from the box. the SHG of Kenduadih. Similarly. Also. the accountant fills the cash book. it consumes time of the group members to match the cash before to close the meeting. Somewhere. They are engaged in agriculture from their childhood. Some had family problems and some had health problems. this was done by the help of trainings on norms and values. there should be a column of current cash in box in the format of RMTS-II. meeting book as well as the pass book with the help of RMTS-II. It leads to mismatch the cash which is present in the box with the calculated cash. Finally. Some members want to submit their savings and move out from the meeting. the group came at the stage to defang the group. accountant training and also the agriculture training was fruitful for the group for better group dynamics. For this. There is an example of Zebra. . Cash in box is missing in the RMTS-II.interest is depositing first in the group and then the member will be asked for repayment of principle amount and then for her savings. Account system I was linked with the accounting system of different SHG. They know all the aspects of agriculture but in the traditional way. 3000 from the group for the marriage of his daughter. we have to inform the members to attend at a fixed place at a fixed time where the training will conduct. Also. leadership training. And. In most of the meeting. I got to learn the way to facilitate the group members on their need and requirements. But. the time and date of the meeting is fixed for all the SHG members but I observed that members are casual with their timing norms. where the accountant dada (husband of a member from the same group) stole Rs. And such practices lead a blunder by the accountant. I learnt to observe the need of the group. The interest level of the members is not equal for all the members. which will help to match the cash amount with the cash in box at the beginning of the group meeting. they decided to punish the accountant by depositing Rs. Zebra and Chipudag is functioning with all their norms. I think. I explored on such problems and tried to shift the group timing. to the group and learnt the way to conduct the trainings. at least 2-3 members join late. I got to find that there is not a clarity to the accountants for a double line in between the RMTS-I. with a gradually increasing the number of my SHG meetings. It was shared that there is a lack of time to members to attend their meeting on time. Then. The member and accountant of the group have an adequate idea for the regular flow of RMTS-I and II. When this matter was arisen. Anyhow. Now a day. where they cannot focus by themselves. So. Then. As per my observations in the old SHG. the accountant of the group is from the group itself where as some accountants are outsiders. I discussed on these matter with the members of different group. Such type of problems. My 7 month experience says that the outsider accountants lead the dependency of the group member on accountant.

the training on basic orientation programme (BOP Training) is needed for the group. At least two meeting is needed for the same then only we can reach up to a point from where. Most of the groups. details of BPL members and the Xerox copy of group discussion for taking loan. We have to share the whole and arrange the meeting. The morale of this BaghBakri game is to understand the member of the group that every member is equal with their equal importance. Cash in box. cash in bank. photographs of three selected members from the group as president. I learnt the training purpose and module through Girish (PRADAN Professional). I rechecked my calculation but could not find that missing amount. The problem was that the missing 1300 rupees was not registered in their cash book. in my accountant training. borrowing from others and bank as Credit. Rs. I shared in that group that how can they repay their RF loan within the time and what will be its benefits. No one is a leader and everyone should move together in forward direction. because all members were related with each other within the group by their norms and values. interest due. But after all these calculations. 1. These are the best way to utilise the fund with the cash crop which make easy to repay the amount Rs. These are the subsidy loans from SGSY scheme to the BPL Groups. It helped a lot to understand and now a day. Then I conducted 3 BOP trainings. Similarly there is a numbers of training which is useful for the group. During my engagements. Petarbar. having their revolving fund. the group could have the negative effects. There are total 8 groups having their revolving fund of Rs. I tried to make some interesting module with a play to develop the calculation skill of the accountant which was related with the daily calculation in the life. The SHG nearer to the PRADAN office. a forwarding letter from PRADAN. secretary and treasurer. other expanses as Debit and member’s balance through their Pass books. there is not any problem of accountant as I found earlier. Reserve fund. Similarly.000. Petarbar. There should be the BPL numbers with at least 70% members from a group to be called as a BPL group. to the sanction of Project fund. That is why. are investing in agriculture and growing kharif vegetables. trial balance of the group. oriented by block office. The group accepted that they bought a pig (locally called as sukari) @ 1300 but after 2 months that pig was died. 50. members are directly involved to flow the RMTS but for the remote areas CSP and the dada of the respective village are engaged to flow the same.000 and 3 Project fund each around Rs. interest earned.As it says that 5th pass member can be an accountant of the group. we have to attend at least two meting and then only we can finalise the purpose for taking loan and the strategy to repay the loan. I told them about different type of group loans in a module of the training. Audit There was an audit on 2nd April. at least one day engagement of a professional with the group. the members can seek the facilities of subsidy loans. The Marie Go Round game suggests the group member should respect the norms and values of the group. The submission of these documents requires. I was getting frustrated and then finally I shared my problem with the group members. but I found that such members are little slow in book keeping. 25. Also. Also all the group members are very much aware on the flow of RMTS-I &II. It was my first audit. If an SHG will come under NPA (non performing assets) then the bank can approach to the group and take an action against the group. Rohar. Finally. I matched the debit . All these trainings made a deep impact on the members and now they are very much aware to repay their loans. If anyone disobeys the rule. Such problems of accountant lead to consume the time of team meeting. 15000 within 6 month. I checked the outstanding loans. I played Bagh-Bakri game and Marie Go Round game with group members. 1300 were short to match debit and credit. jamuniaTand. Also it take some extra engagements to collect the Xerox copy of group resolution. I was engaged in Basic Orientation Program (BOP) of the groups. 2011 in Sugan MM. I have some experience that the members do not actually think over this subsidy loans. They need such trainings at their different maturity level.

They were seated in a circle and an aluminium box was inside the circle. monetary system and the future plans. Actually. From this audit. I was looking out two clusters. Then they will go for Revolving fund with their 1st grading. The dimension of cluster group is quite different from the different SHG. In this way. The members were interested to grab the knowledge about to run their group. There were 18 members in the group in which 14 members had their BPL number. I spent a lot of time in my field areas to check the present status of the group regarding norms and values. CLUSTER Cluster is the coming together of 10. meeting book and their passbooks to maintain their book keeping. There are some roles and responsibilities of an ideal cluster. So. There are total 11 SHG with 2 newly formed in Jhirkey and 12 SHG are there in Osam cluster. Then.20 SHGs located near one another. They had selected the name of their group and that was Chameli mahila Mandal. need and strength of cluster. it was needed only to share the norms and values and the future aspects of their SHG. I told to Kishor (computer munshi) to update the group which had been audited. There are a lot of trainings for the group. they wanted to form a group under the guidance of a professional. I planned to have same group meeting with different SHG in Osam before attending the cluster meeting. Then I suggested that no need to worry. The Osam cluster was running on 16th day of every month. It was also discussed about the role and responsibilities of cluster members and only then such type of group cam work as a change agent. Osam and Jhirkey. In this way. its function being to strengthen and provide support to individual groups through regular meeting and interventions. which was shared in different cluster meetings. this group was younger in age and most of them were newly married. It helped me to facilitate the cluster meeting because we had an adequate interaction between us. During this period of my field work 2 when I was looking out the Jhirkey cluster of Ordana Panchayat.and credit balance and shared with the group members. Then I planned to meet with them. They will get those trainings which will help them to build their confidence and run properly. That group was of OBC (Kumhar) community. I conducted some regular meetings to observe the group process. It was 21st day of august. the groups are planning to open their bank account in their respective banks as per the block rule. I got to learn that we should share each and every thing to the group members during audit. All these things were shared by the group members. They had a cash book. They had recorded their cash transaction of last two meetings but the lack of knowledge about the group meeting process made to decrease their confidence and that leads the discontinuity of the meeting. Also I distributed the interest among the members with equity. I was informed that a group of women has been influenced by the running SHG in their village. Now I can say that I learnt the way to facilitate the SHG. Since the group had been already formed. their need and requirements and now I can understand the existing resources regarding the livelihood options of the SHG member. Now a day. . In that cluster meeting. During my field work 2. there was a sharing regarding norms and values of cluster.

. These introduction meeting helped me in rapport building. weakness. Minutes Book and Pass Book.     All these sharing were done in the cluster meeting and finally at the end of meeting. Such type of study helped me to know the strength.. There were a lot much sharing within the group regarding the discontinuity of their Cluster meeting. opportunity and threat of the group and also to make an interventions plan of the group.. the feedback was important for me to work with the cluster in future. Lekin cluster meeting bahut jaroori hai sabke liye. Now.. Esme sabhi group ke bare me pata chalta hai..CLUSTER should. So. poultry supervisor ban gya tab se meeting band ho gya. -Job card related -BPL card related -NREGS related -Block related Plan for livelihood where it is needed to -Fill the indent form -Define the role of community service provider (CSP) -Define the role of Computer Munshi -Sharing the Government plans in meeting Deliver the plans and process in the respective SHG.. -Leadership issues -Accountant problem -Issues related with livelihood (agriculture) -RMTS flow and McF entry -Bank linkages -Issues related with government body Resolve the village level issues like. may be as -Combined agriculture -Special meeting on any serious issues -Strategy with the formation of new SHG Monitor the transactional process regarding -the payment of Computer Munshi -the payment of CSP . Shanti didi said. The next cluster group of Jhirkey was defanged. With these sharing in almost all the group. pahle hamara cluster meeting hota tha. I planned for an introduction in the different SHG meeting of Jhirkey. Didi shared that the meeting was quite helpful for them and confident to run their cluster in the same way. lekin jab se niranjan (previously engaged as SHG CSP)..Stocks of Cash Book. keeping in my mind. this was my next plan to reform the cluster.. Here is the . a date was selected by them to form a cluster and start the meeting on every 5 th day of the month.aur naya chiz sikhne ko milta hai (Cluster meeting is much needed for us because it is helpful to know about other group and their activities to learn). I started the close study of 5 SHGs within that cluster with the help of the questions of health inventory.  Resolve the issues related with their SHG like.

It has been done Good accounting system inside earlier the group and regular RMTS flow Livelihood training Training on improved agriculture in the As the members are resource SHG level rich.SWOT analysis and intervention plans of the respective groups and the current status of the same group is briefly explained in the annexure. summer and Kharif season of different crops for better income which will improve the livelihood condition Plan for other livelihood Regular training on poultry Build the confidence to rear chicks and motive to get the maximum profit and enhance the family standard . SWOT Analysis and Intervention Plans of Jagriti Mahila Mandal STRENGTH            An old experienced group Group process is better Good financial condition Members have their BPL no. will adopt the new idea and practices. Well recognised group having sanctioned PF Knowledge about improved agriculture Total 13 members are literate ( 5th pass) OPPORTUNITIES Very close to the block office and Bank Resource rich members in land and water Easy to analyse the group after cluster formation To get the support from professionals and CSP to improve their livelihood     WEAKNESS Casual nature during group process Cash holding and counting by single member Late arrival Have not a long vision with savings deposits THREATS     Some members are lazy and inactive during group process Irregular repayment of loan Lack of external communication Not supported by male members of the family INTERVENTION PLAN PLANS Accountant training PROCESS OUTCOMES and IMPACT Not much needed. subsidy loans to improve the sustainability of livelihood Agriculture plan A plan of exposure in nearest village Have an idea about the timeline during Rabi. It will strengthen the economic condition Bank linkages It has been done Easy to deposit their savings of the group. may utilise in future and a way to get RF and PF st nd Grading 1 and 2 grading has been done Get the Govt.

SWOT Analysis and Intervention Plans of Saraswati Mahila Mandal STRENGTH              An old experienced group Group process is better Good financial condition Members have their BPL no. subsidy loans to in process improve the sustainability of livelihood Agriculture plan A plan of exposure in nearest village Have an idea about the timeline during Rabi. will adopt the new idea and practices. Social binding Knowledge about improved agriculture Only 2 members are illiterate. Eagar to link with outside stakeholders OPPORTUNITIES Very close to the block office and Bank Resource rich members in land and water Easy to analyse the group after cluster formation To get the support from professionals and CSP to improve their livelihood To have a Project Fund in recent future       WEAKNESS Casual nature during group process Interests and loans are not given weekly Unpunctuality No synergy among members Improper calculation during the group meeting Have not a clear vision with savings THREATS     Some members are lazy and inactive during group process Irregular repayment of loan Lack of external communication Not supported by male members of the family INTERVENTION PLAN PLANS Accountant training PROCESS OUTCOMES and IMPACT Not much needed. It will strengthen the economic condition Bank linkages It has been done Easy to deposit their savings of the group. summer and Kharif season of different crops for better income which will improve the livelihood condition Plan for other livelihood Training on poultry Build the confidence to rear chicks and motive to get the maximum profit and enhance the family standard . It has been done Good accounting system inside earlier the group and regular RMTS flow Livelihood training Training on improved agriculture in the As the members are resource SHG level rich. may utilise in future and a way to get RF and PF st nd Grading 1 grading has been done 2 grading is Get the Govt.

SWOT Analysis and Intervention Plans of Lugu Baba Mahila Mandal       STRENGTH A well experienced group in last 3 years Group process is better Best in accounting Members have their BPL no. It has been done Good accounting system inside earlier the group and regular RMTS flow Livelihood training Training on improved agriculture in the As the members are resource SHG level rich. It will strengthen the economic condition Bank linkages It has been done Easy to deposit their savings of the group. subsidy loans to improve the sustainability of livelihood Agriculture plan A plan of exposure in nearest village Have an idea about the timeline during Rabi. summer and Kharif season of different crops for better income which will improve the livelihood condition Plan for other livelihood Training on poultry. will adopt the new idea and practices. Social binding punctuality OPPORTUNITIES      Very close to the block office and Bank Easy to analyse the group after cluster formation To get the support from professionals and CSP to improve their livelihood Wisely expense of the Revolving Fund for benefit in future Neighbour village Zebra is quite good in agriculture and can be a scene of exposure           WEAKNESS Poor financial condition Not much idea about improved agriculture Most of the members are illiterate Not a clear vision with savings THREATS Poor in respect of resources (land and water) Lack of external communication Lack of knowledge and idea about government plan and the system Not supported by the male members Other high class community in the village Outside borrowers INTERVENTION PLAN PLANS Accountant training PROCESS OUTCOMES and IMPACT Not much needed. piggery and goat Build the confidence to rear rearing chicks or goats or pigs and motive to get the maximum profit and enhance the family standard . may utilise in future and a way to get RF and PF Grading 1st grading has been done Get the Govt.

It has been done Good accounting system inside earlier the group and regular RMTS flow Livelihood training Training on improved agriculture in the As the members are resource SHG level rich.SWOT Analysis and Intervention Plans of Roshni Mahila Mandal STRENGTH     Members have their BPL no. More young members Good financial condition All members are literate        OPPORTUNITIES     Very close to the block office and Bank Easy to analyse the group after cluster formation To get the support from professionals and CSP to improve their livelihood To plan for RF and PF and Wisely expense to improve their livelihood     WEAKNESS No synergy among members Improper calculation during the group meeting More financial oriented and less intangible benefit oriented Have not a clear vision with savings Casual nature during group process Interests and loans are not given weekly Unpunctuality THREATS Individualistic nature of the member cause conflict and collapse the group Loan given to outsider may lead to worst condition of accounting Irregularity in the flow of RMTS Regular health problem of the member INTERVENTION PLAN PLANS Accountant training PROCESS OUTCOMES and IMPACT Not much needed. summer and Kharif season of different crops for better income which will improve the livelihood condition Plan for other livelihood Training on poultry Build the confidence to rear chicks and motive to get the maximum profit and enhance the family standard . may utilise in future and a way to get RF and PF st Grading 1 grading by the health inventory Get the Govt. It will strengthen the economic condition Bank linkages It has been done in recent past Easy to deposit their savings of the group. will adopt the new idea and practices. subsidy loans to point of the SHG improve the sustainability of livelihood Agriculture plan A plan of exposure in nearest village Have an idea about the timeline during Rabi.

summer and Kharif season Agriculture plan Plan for other livelihood Training on poultry as it is accepting as a livelihood option in the village. . may utilise in future and a way to get RF and PF Get the Govt. An accountant training with a full day module having discussion on cash book. All members are literate Resource rich members Social binding OPPORTUNITIES Very close to the block office and Bank Easy to analyse the group after cluster formation To get the support from professionals and CSP to improve their livelihood May have a plan to open a bank account to get Revolving Fund from SGSY    WEAKNESS Not much idea about the group process Not much idea about the improved agriculture Have not the trained accountant THREATS    New inexperienced members Unawareness about the value and need to flow the RMTS Lack of knowledge and idea about Government plans and the system INTERVENTION PLAN PLANS Accountant training PROCESS It is needed. subsidy loans to improve the sustainability of livelihood Have an idea about the timeline of different crops for better income which will improve the livelihood condition Build the confidence to rear chicks and motive to get the maximum profit and enhance the family standard Livelihood training Bank linkages Grading All the required documents of the group will submit with a forwarding letter from PRADAN Health inventory system will be shared for 1st grading A plan of exposure in nearest village during Rabi. will adopt the new idea and practices. It will strengthen the economic condition Easy to deposit their savings of the group. Meeting book and pass book Training on improved agriculture in the SHG level OUTCOMES and IMPACT Good accounting system inside the group and regular RMTS flow As the members are resource rich.SWOT Analysis and Intervention Plans of Chameli Mahila Mandal STRENGTH           More energetic young members Eager to know about the outside stakeholders Members have their BPL no.

2) Use only soft words and should appear in a polite way in the group or village which will help to make a good relation with everyone. I am sure that all my learning will help me to execute the work through a planned way in the field. Try to avoid the night move in rainy season. after my foundation course. It is planned for such SHGs in near future. after the completion of my foundation course-2. The weakness of the group can overcome through different trainings. 3) Don’t move the bike on muddy roads. it is quite clear about the strength and weakness of the group. Some other learning during my field work 2 1) Always finish the task within the time period otherwise ready to face problems. .Conclusion According to the SWOT analysis of the groups. Now. I have also realised that the regularity of the meeting is necessary and planning is important for the smooth running of the SHG.

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