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    This document outlines 7 models of self-help groups (SHGs) in India: [1] The linkage model connects members to banks for savings and credit. [2] The modified linkage model prescribes credit rates. [3] The NGO model connects members and SHGs to NGOs for savings, credit, and support. [4] The modified NGO model provides credit and grants from NGOs and banks. [5] The indirect NGO model connects SHGs to NGOs for raw materials and jobs. [6] The IFAD model connects SHGs to banks, NGOs, and line departments for support and services. [7] The SGSY model connects SHGs to DR

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    This document outlines 7 models of self-help groups (SHGs) in India: [1] The linkage model connects members to banks for savings and credit. [2] The modified linkage model prescribes credit rates. [3] The NGO model connects members and SHGs to NGOs for savings, credit, and support. [4] The modified NGO model provides credit and grants from NGOs and banks. [5] The indirect NGO model connects SHGs to NGOs for raw materials and jobs. [6] The IFAD model connects SHGs to banks, NGOs, and line departments for support and services. [7] The SGSY model connects SHGs to DR

    Copyright:

    © All Rights Reserved
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    194 views10 pages

    SHG Models India PDF

    Uploaded by

    dolly
    This document outlines 7 models of self-help groups (SHGs) in India: [1] The linkage model connects members to banks for savings and credit. [2] The modified linkage model prescribes credit rates. [3] The NGO model connects members and SHGs to NGOs for savings, credit, and support. [4] The modified NGO model provides credit and grants from NGOs and banks. [5] The indirect NGO model connects SHGs to NGOs for raw materials and jobs. [6] The IFAD model connects SHGs to banks, NGOs, and line departments for support and services. [7] The SGSY model connects SHGs to DR

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    of 10

    Models of SHGs in India*

    List of abbreviations
    BOB - Bank of Baroda
    DRDA - District Rural Development Agency
    IFAD - International Fund for Agriculture Development
    NABARD - National Bank for Agriculture and Rural Development
    NGO - Non Government Organization
    OBC - Oriental Bank of Commerce
    RRBs - Regional Rural Banks
    SEWA - Self Employed Women's Association, Lucknow
    SHG - Self Help Groups
    SHPI - Self Help Promoting Institutions (with NABARD assistance)
    VVV - Vikas Volunteer Vahini / Kissan Clubs

    * Rakesh Malhotra, District Development Manager, NABARD, Bareilly.


    Explanation of Legends

    Individual members SHG Bank

    DRDA
    Line Department Government
    NGO

    Savings Savings & Credit


    Credit

    Consolidation, Support, Training, etc. Job Work


    1. Linkage Model
    (General Model)

    Members Bank
    Savings Savings
    Credit at rates
    Credit at rates
    decided by Bank
    decided by Members

    SHG
    2. Modified Linkage Model
    (e.g.- OBC Dehradun)

    Credit at rates prescribed by Bank

    Members Bank
    Savings Savings

    SHG
    3. NGO Model
    (e.g.-UPLDC, etc.)

    Savings & Credit

    Members SHG
    Savings &
    Credit Support and
    linkage services

    Support and linkage services


    Bank NGO
    4. Modified NGO Model
    (e.g.- BASIX & SHARE (AP), SEWA (Gujrat), etc.)

    Savings & Credit

    Members
    SHG
    Credit

    Savings

    Credit / Grant
    Bank NGO
    5. Indirect NGO Model
    (e.g.- BOB- SEWA, Lucknow)

    Savings

    Members
    SHG
    Raw material &
    Savings Job work

    Credit
    Bank NGO
    6. IFAD Model
    (e.g.-TN, UP, Maharashtra under IFAD Project)

    Savings

    Members SHG
    Credit Savings

    Support Support and


    services linkage services

    Line Departments Bank NGO


    7. SGSY Model
    Savings & Credit

    Members
    SHG

    Support Savings &


    services DRDA Credit
    Support
    and
    linkage
    services

    Line Departments Bank NGO

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