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BY
DAMODHARAN
PRABHA GAYATHRI
NEIL ARCHARY
JOE JASPER
AVINASH
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Self Help Group

SHG is a self-managed institution of 10-
20 members, based on common interest
& affinity for socio-economic improvement
of their members.


WHY SHG ?
To Organize Women
Enhance Participation Level
To inculcate saving habits
Based on Principles of Coop.
Suitable Platform for women
Enhance capacities of Women
Successful base

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UNFOLDING SHG STAGES
Thrift & Credit


Social Oriented


Micro-enterprises
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Objectives
To create an appropriate & sensitive forum for
addressing the need of people

To inculcate saving habits in the community

To generate the sense of collective action

To improve socio-economic status

To access the outside resources


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SELF HELP GROUP LEARNINGS
Group should be within ward area.
Economic homogeneity is rather more important
than caste.
Group leadership leads to community leadership.
women become economically viable segment of
their family.
Group must have develop a vision for long-term
association.
Trainings & Exposures has a greater role.
Training designed for confidence & mutual trust
building aspects.
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Functions of S.H.G.

Conducting half monthly meetings at specified
time and venue fixed by members.
Savings.
Loaning & Repayment.
Maintaining books of account & records.
Members oriented Action Programmes.
Liaison & Linkages with FI/Gos/other agencies.
Training & Capacity building.



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Structure of SHG

10-20 members

3 representatives (Jankar) for minimum
one year

Chairperson (rotational basis) for
each meeting


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Rules and regulations
Meeting frequency per month.
Savings amount per month.
Quorum (Minimum 70 Percent)
Rate of Interest on:
o Internal Loan.
o Bank Loan.
Repayment Period
o Internal Loan &
o Bank Loan
Rules in case of Withdrawal from Group.
Rules for Joining of New Member.

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Rules in case of Withdrawal from Group.

Rules for Joining of New Member.

Rules for changing of Nominated Member (Sahyogi)

Fine
Related to not attending the meeting
Irregular saving.
Non Repayment of loan on time.

Rules for Loan on savings.

Rules for Bank Transaction.

Rules for Membership.

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Fund







Total fund includes saving fund +
development fund (vikas kosh)


Saving fund Development Fund
(Vikas kosh)
Regular Saving
Voluntary savings
Group fund
Interest (bank + loan)
Penalty
Membership fees
Grant
Contribution
Advantages of SHGs
Initiative
Responsibility
Ownership
Capacity Building
Self confidence $ self esteem
Mutual help
Access to larger pool of resources
Channel of functioning

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