Sunday, February 22, 2009

Formation of SHG to Empower Women

The Self Helf Groups (SHGs) are helping more than 17 million women in the rural areas & make them self reliant. The SHGs of rural women consists of membera who are the poor, having low saving capacity and who depend on money lenders for meeting their daily needs and social obligations. SHGs are small voluntary associations of poor women, preferably from the same socio-economic background.

They come together for the purpose of solving their common problems. The SHGs significantly contribute to the empowerment of the poor women & meant for reaching the un reached & particularly the poorest among the poor. Women in SHGs have been encouraged by the government as well as NGOs to undertake self employment ventures with locally available resources. SHG is called as a suitable means for the empowerment of women.

Rules for formation of SHG :
  • The number of members should between 10-20
  • Only one member per family to be covered in the SHG
  • Weekly meeting on a fixed day & time should be made compulsory
  • All the transactions & discussions should be made compulsory
  • All the transactions & discussions should be done in the meeting only
  • For the first 3 months emphasis should be on regularly of meeting, 100% participation, regular saving & regular deposit in the bank & book writing
  • Between 3-6 months a SHG concept training has to be arranged for all the members
  • Grading is compulsory before linkage
  • An SHG has completed six months is functioning well & shouldn’t be deprived of Bank loan for long
  • Participation of bank officials in the SHG meeting at least once in 3 months is essential for maintaining the quality of SHG
  • The SC/ST & OBC constituted 83% of the total sample
  • It is called as a small saving group


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