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self help groups, financial inclusion - Coggle Diagram
self help groups
benefits
fighting social problems
dowry, alcholism
gender equity
empowers women
leadership skills
actively participates in gram sabha & elctions
improving status in family & society
enhances self esteem
pressure groups
participation in governace
highlight issues
dowry, alcholism, open defecation, PHCs, etc
impact policy decision
incre. efficiency of government schemes
social audits
setting micro-enterprises
reduces dependency, complementing agi. income
changing consumption patterns
more spending on edu., food & health
financial inclusion
child mortality
material health
fighting morbidity
Bank literacy
habit of saving
conduit for formal banking services
WEAKNESS
members not from poorest families
economic gain to bring about qualitative change
not satisfactory
primary sector enterprises
primitive skills
less value addition per worker
no substancial increase in wages
poor accounting practises
misappropriation of funds
lack resources & means market their resources
heavily dependent on Promoter NGOs & governmt
functions
builds
functional capacity of the poor & marginalized
employment and income generation
resolving conflicts
collective leadership
mutual discussion
collateral free loans
terms of loans decided by members
bank loans
poor collect their savings & save in banks
groups collective guarantee system
easy access - loans with small rate interest & able to start micro enterprise
microfinance services
need
poor especially rural poor
low access access to credit and financial services
recognised role of commjnity linkage to credit avail.
boost social capital
poor, women empowerment
financial independence
self employment
benifits
improved litracy rate
health
family planning
Opportunity
instrumental rural poverty alleviation
effective mobisation of unutilised and underutilised resouces of community
leaders & members
successful SHGs
resource persons of development initiatives
shg members
incre. women leadership skills
succe. cand. of PRI institutions
challenges
lack of knowledge & proper orientation
suitable & profitable livelihood
Patriachial mindset
discourages women
limiting their economic avenues
lack of rural banking
public sector banks & micro finance institu. unwilling
sustainability & quality of operations
debate
what are SHGs?
definition
informal associations of people
come together to find ways to improve their living conditions
characteristics
self governed,
peer controlled information group of persons
similar socio-economic background
voice to marginalized sections
financial inclusion
c Rangarajan report
problems
inablilty - collateral security
poor credit absorption capacity
inadequate reach of institutions
weak community nework