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EVALUATION CHART OF SELF-HELP GROUPS

Parameter

Criteria of Evaluation

Marks Card

1. Group Composition

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i) Members are socially and financially equal-Homogenous Group ii) Members are of different level-Mixed Group 10 5 10 i) If more than 25% belong to the weaker section ii) Less than 25% belong to the weaker section 10 8 10 10

2. Social Status

3. Age of Self Help Group (from the date i) More than one year of formation) ii) Between six months and one year

Parameter

Criteria of Evaluation i) 4 meetings ii) 2-3 meetings iii) Only one meeting

Marks Card
10

4.No . of meetings per month

10 8 5
10

5. Attendance in the meetings

i) More than 90% ii) Between 70 to 90% iii) Less than 70%

10 5 3
10

6.Maintence and up keep of i) Written exhaustively minutes book and ii) Written not in detail records
7. Participation of members in i) Majority of the members take part in discussions discussions-High during meetings ii) Some members take part-medium iii) Only few members take part-low

10 5
10

10 8 3

Parameter 8.Decision making 9. Collection of savings money (Thrift)

Criteria of Evaluation i) Democratic and independent ii) Only few jointly take the decisions

Marks Card
10

10 5
10

i) Majority remit 4 times a month


ii) Savings remittance are 4 times but the remitters are not in majority iii) Majority remit 2-3 times a month

10
8 8

iv) Savings are only 2-3 times but remitters are not in majority
v) Majority remit only once a month vi) Savings are one time only but remitters are not in majority (more than 60% are considered majority)

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3 1

Parameter
10. Savings Pattern

Criteria of Evaluation

Marks Card
10 10 8

I) Savings more than Rs. 5000/ month ii) Rs. 3000 to Rs.5000

iii) Rs.2000 to Rs. 3000


iv) Less than Rs.2000 11. Collection of savings money I) Members remit money regularly during the and repayment of meetings installments of ii) Money is collected by visiting the house loan

5
3 10 10 3

Parameter 12.

Criteria of Evaluation

Marks Card 10 2

i) Loan beneficiaries are selected in group meetings.

ii) Sanction and disbursal of loan is done in the meeting itself.


iii) Loan amount and repayment particulars are decided in the meeting and the same is recorded in the minutes book. iv) In the meeting enquiry is made and confirmation is obtained as to whether the loan amount is utilized for the purpose for which it was sanctioned

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v) In the meeting it is examined whether the loan is properly repaid without any default and if any loanee defaults required steps are advised.

Parameter

Criteria of Evaluation i) Interest rate is same irrespective of source of funds ii) Interest rate depends on source of funds

Marks Card

13.Interest rate on the loan amount

10
5 3

iii) Interest rate changes according to the purpose


iv) The rate is same irrespective of the purpose

5
3
10

14. Percentage of loan on savings

i) More than 80% ii) Between 50 to 80% iii) Less than 50%

10 5 3 20

15.Group Loan Recovery

i) Prompt repayment >90%

20

ii) Repayment 70 to 90%


iii) Less than 70% iv) No recovery for more than one quarter

15
8 0

Parameter 16. Education Level

Criteria of Evaluation i) If 60% or more members having functional literacy ii) 40 to 60% iii)20 o 40 % iv) Less than 20%

Marks Card 10 10 8 5 3 20 3 2 4 4

17. Documentation and Records

i) Attendance register ii) Minutes Book iii) Savings register iv) Loan register

v) Cash Book
vi) General Ledger vii) Bank Pass Book

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3 2

Parameter 18. Awareness of the members regarding the norms, the rules and regulations of the group.

Criteria of Evaluation

Marks Card 10

i) All members are fully aware


ii) Majority of the members are aware iii) Most of the members are not aware of the norms and the rules.

10
5 0

Note: the average percentage of attendance for the last three months should be reckoned.

Avg. attendance = Sum of attendance for each meeting/ Total number of meetings.

Attendance

= Average attendance x 100/Total number of members in the group

Out of the 200 marks self help groups which obtain more than 150 marks (75%) are eligible to be linked with the banks for credit.

The self help groups which score less than 150 marks need to be linked to the banks or the financial institutions only after improving the score. The members of such group should discuss among themselves the various means of improving the score and re-evaluation shall be done after a gap of three months.