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Development is not providing,But providing the poor.

Copyright 2013@SEVAI

 

SEVAI SELF HELP GROUPS
 

Development is not providing but promoting women

Empowering women process
 

Women are a vital part of Indian economy and major contributors to the survival of the family. The poorer the family, the greater is independence on women’s income.


Mrs.Shantha Sheela Nair,IAS visits SEVAI SHGs.
 

SHG as comprehensive tool for Rural Development

Poverty is not just material deprivation but a continuous process of “Disempowerment” that includes denial of choices/rights/opportunities, discrimination, disparity, domination, displacement, de-humanization etc. Alleviating poverty does not end with meeting individuals’/people’s material needs.


Formation of Self Help groups

SEVAI Promotes women as Self Help Groups as small groups of people facing similar problems. The members of the group help each other to solve their problems. A functionally literate trained to lead in mobilizing the women to form a group, is called animator, helps the group members develop the habit of thrift and promote small savings among them. The ideal size of SHG is 12-18 members. A smaller size is preferred because in a big group members cannot participate actively. The group may or may not be registered. Only one person from one family can


Major Functions of a SHG
Savings and thrift, internal lending, Keeping proper accounts of transactions, and discussing problems. After a satisfactory performance of SHG and sufficient balance in the common account, the SHG can approach any bank of its convenience for availing loan.

 

Details of financial transactions
The bank manager / field officer assesses the performance of SHG based on guidelines issued by NABARD and if found fulfilling the criteria, the SHG is sanctioned with credit facility. The credit is given to the group at substantially lesser interest rate. A repayment schedule is drawn up with the SHG and the loan is to be repaid regularly in small and frequent installments.

The loan is the collective responsibility of the members.

The experience of SEVAI is that repayments from SHGs are far better than individual accounts.

 

Self Help Groups movement was promoted by SEVAI as an empowermentbody. Women are a vital part of Indian economy and major contributors to the survival of the family. The poorer the family, the greater is independence on women’s income.


SEVAI - SELF HELP GROUPS – TRICHY

  • Formed 6073 Women Self Help Groups(WSHGs) and 331 Youth Self Help Groups (YSHGs) covering 105038 members;

  • All the 5204 SHGs has been trained on basic self help group training for 4 days;

  • 5173 SHGs imparted with Animators and Representative Training for a duration of 7 days;

  • Entrepreneurship Development Programme (EDP)Training has been imparted to 5600 members for a duration of 7 days;

  • Need based Skills Training has imparted to 2700 members which varies from one month to three months duration;

  • Formed 198 Panchayat Level Federations (PLF) in which 37 PLF has registered.

  • There exists six Block Level Federation (BLF).

  • 22 Ward Level Federation (WLF) in Tiruchirapalli urban area.

  • All the groups have a savings of Rs. 54 crores;


LOAN LINKAGES

  • 4010 SHGs linked with Revolving Fund of Rs.60000/- each group; in this each group receives a subsidy of Rs.10000/- and they have to repay Rs.50000/- as loan;

  • 4714 SHGs supported under Direct Linkage loan of Rs.150000/- per SHG;

  • 614 SHGs supported under Economic Activity valuing Rs.500000/- per SHG with Rs.125000/- as subsidy and remaining Rs.375000/- they repay;

  • 326 SHGs linked under Differential Rate of Interest loan with Rs.20000/- loan for each member in an SHG;

  • 360 SHGs linked under TAHDCO Revolving fund with Rs.60000/- loan in which Rs.10000/- is subsidy;

  • 24 SHGs supported with milch animal rearing programme wherein each member supported with Rs.32000/- in which Rs.16000/- is subsidy and the remaining Rs.16000/- to repay.;

  • One PLF supported with 50 lakhs and two PLF with – 40 lakhs loan ;

  • Seven PLF received Supporting cost Rs.1lakh from Government.

 

AWARDS:

  • Allur PLF – received best PLF, “ Manimegalai Award” with Cash of Rs.50000/- for year 2009 – 10;

  • During 2009-10 - in seven blocks 21 prizes won by the SHGs during “Samathuva Pongal Sports Activities” organized by Government in which 7 first prizes valuing – Rs.500/-; seven second prizes valuing – Rs.300/- and seven third prizes valuing – Rs.200/- won by the SHG members at Block Level; At District level our self help groups has won 4 first prizes with cash award of – Rs.5000/- each ; 2 second prizes – Rs.3000/- each and 2 third prizes – Rs.2000/- each has been won;

  • Lalgudi – “Tamilchozhai SHG “ received Best SHG “Manimegalai Award” with cash award Rs.10000/- for year 2007-08 ; Lalgudi – “Malligai SHG “ received Best SHG, “Maimegalai Award” with cash award of Rs.10000/- for 2006 -07; Andhanallur – “Shenbaghapoo SHG “ received best SHG, “Manimegalai Award” with cash award Rs.10000/- for the year 2006 -07.

While there is still a long way to go, these have resulted in:

  1. Increased participation of women indecision making process.

  2. An increasing focus of poverty alleviation programmes on women. Its issue for human development is reflected in its objectives to

    1. Extend micro credit to women to alleviate poverty,

    2. Protect very poor from exploitation of money lenders;

    3. Generate employment for the unemployed and underemployed,

    4. Assist poor people to develop social and economic strength through minimal support

    5. Break the cycle of poverty, which has been the fate of families for generations.

    Self Help Groups Concept:
    Self Help Groups promotion as a development approach tries to build up on the existing self-help potential of the rural poor and assist them as producers in the identifications of occupations and activities with in provide a higher net return on invested labour and capital. Until now this potential of the rural poor of helping themselves has been capacity of the rural poor to help them.


    Self Help Groups acts for its self-help group (SHG) members as the Self Help Groups is seen as crucial to the empowerment process as self help group members draw strength from numbers as it creates.

     

    • Confidence and mutual support for poor especially women striving for social change.

    • A forum in which poor can critically analyze their situations and devise collective strategies to overcome their difficulties.

    • A framework for awareness raising, confidence building, for the dissemination for information and delivery of services, and for developing communal self-reliance and collective action.

    • A vehicle for the promotion of economic activities.

    Self Help Group (SHG) is a group of 12 to 20 women of the same socio-economic background who come forward voluntarily to work together for their own up liftmen. The unique feature of the SHG is its ability to inculcate among its members sound habits of thrift, savings and banking

     

    Regular savings, periodic meetings, compulsory attendance, and systematic training are the salient features of the SHG concept. Each group selects one animator and two representatives from among themselves. The animator is responsible for providing leadership to the group and to maintain the various registers. The representatives assist the animator and maintain the bank accounts of the group.
     

    • They are trained to become cohesive as a group through regular meetings and encouraged to cultivate savings habit.

    • Capacity Building Programmes such as SHG and A & R training are imparted to the Group members and within a period of six months.

    • After a period of 6 months, SHGs are rated for Credit Linkage by a Committee consisting of Bankers, APOs, NGOs, Block level officer and PLF Representative.

    • For the eligible Credit rated SHGS, credit facilities are largely made available through Banks, both for revolving fund and economic activity.
       

     

    Characteristics of Self Help Groups:

    1. Ownership of Self Help Groups remains with the self – help group members. The group exists because the members see value in it in helping them to solve their problems through their collective efforts.

    2. Affinity as the base for coming together. A sustainable, cohesive group needs a common underlying bond on which trust can be built. Thus, the basis of self-help group exists prior to any external intervention as the members are linked by a common bond, like caste, blood, community. Place of origin, etc., Self Help Groups takes care to identify these natural groupings or affinity groups. It is therefore, essential that the groups be formed naturally and by the will of the women themselves.

    3. Mutual help as the foundation of the group’s existence. The rationale for the existence of the group is mutual help and progress towards self-reliance and not the passive receipt of benefits.

    4. Self Help Groups provide a forum for collective learning which rural women find more “ friendly “ and which is consequently more effective than the individual approach that is commonly adopted.

    5. Self Help Groups promotes a democratic culture and self help group members with opportunities to imbibe norms of behaviour that are based on mutual respect.

    6. Self Help Groups fosters an “entrepreneurial” culture where each member realizes that while she needs the support in adequate measure.

    7. Self Help Groups also provides a cost effective credit delivery system as the transactions costs of lending decrease sharply both to the banks and the borrowers.

 

Description:
Self Help Groups provides approaches the Government and Banks to for credit to women groups who live below the poverty line. An important characteristic of l, that it uses a group based approach in which borrowers are responsible for the loans of the each member of the group.

SHG Grandma happy for young for empowerment


 

Self help group members use their earnings for the family in terms of feeding the family members, shelter up gradation, nutrition, education which all add to health, welfare and development. Through the women’s project, Self Help Groups are in the process of empowering women and raising their status in their families as well as in the wider communities. The women are empowered through this self-help approach. Community participation is entailed in all the villages by organizing Women Self Help Groups. In SEVAI target villages Savings and Credit scheme has been initiated and the people are organized as working groups. The Savings and Credit scheme has been administered by the women self help group with seed amount as revolving fund. Through this rural credit and thrift scheme the members of rural communities are able to get loans are a reasonable service charges and the people are also enabled to invest these loans in appropriate income generating programmes. The Self Help Groups scheme has been promoted in target villages of SEVAI accounts to 6000 such groups functioning in the village level having a membership of around 100000 women in total.


 

Working Procedure:
A. Working procedures for the Self Help Groups:
 

  • Development of strong, cohesive self-help women’s groups.

  • Improved access to various Governmental development schemes and bank welfare schemes.

  • Development of leadership qualities.

  • Social awareness.

  • Improved status of the women in the family and society.

  • Self-confidence.

  • Improvement in health and family welfare.

  • Literacy.

  • Awareness of legal rights and legal aid access.

  • Economic development – consisting of:

  • Inculcating habit of savings.

  • Doubling of income.

  • Control of income and better income management.

  • Increase of assets.

  • Change from worker status to worker – manager status.

  • Access to market, choice of activities.

  • Continued access to the regular credit delivery / alternate credit delivery system.

  • Getting out of moneylenders clutches.


 

Adolescent’s Education-preparatory phase


METHODOLOGY :
It must be understood that the project is a process for development. It is essential to follow the process without skipping steps or jumping levels or putting the cart before the horse.


Developing Need Based Programme.
Awareness Building.
Since economic activity of any kind involves close interaction of the women group with environment, awareness building and motivation at all levels is necessary. For creating awareness, various activities like meetings, workshops, group discussions, personal visits have been taken up with kindling interest and in a participatory way.
 

Identification and Selection of Potential Women.
After generating interest amongst women and sensitizing the environment, a systematic selection procedure has been adopted for choosing potential self-help women groups. The criteria for selection have been.

            - To assess commitment, interest and involvement of women towards self employment/micro-credit.

            - To determine potential entrepreneurial / business competencies exiting in women.


Enterprise Management and Technical Training:
Promotion of skill development and financial support alone will not promote self- employment. A much more fundamental and pressing need is to develop the spirit and capabilities of the women and this has been done through a short –term training programme that included technical training as well.


Capacity Building Trainings

  1. Micro Enterprise and Marketing Strategies

  2. Best practices in Micro Finance

  3. Basic Computer Training

  4. Communication Training

  5. Book Keeping and Accountancy

  6. Finance Management

  7. Donor /NGO Interaction

  8. Gender & Health

  9. Gender sensitization

  10. Project Proposal writing

  11. Logical Framework Analysis (LFA

  12. Livelihood workshops

  13. Report Writing & Documentation

  14. Organizational Ethics

  15. Superintendents Training-Social Welfare Department

  16. SWADHAR

  17. Workshop on Fund Raising

  18. Government Policy & Budget Analysis with regard to Social Welfare, Health & Education Funded by World Bank Small Grants Program

  19. Tally –(Accounts software) Training

  20. Volunteer promotion

  21. Wasteland Development Workshop

  22. Volunteer promotion

  23. Brain storming workshop on Social Work Curriculum

  24. Orientation Training on HIV/AIDS awareness

  25. Disaster Preparedness

                                                  SEVAI SHG TEAM                                          SYSTEMATIC WORK YEILDS