Slides

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Unnat Bharat Abhiyan 2.0 PPT Presentation
On Imporatnce of Self Group Promotion
Presented By Dr. Madhu Gupta
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CONTENT

• Introduction
• Definition of SGP
• Implementation of SGP
• Objective of SGP
• Major Function of SAG
• Problems of SGP
• Conclusion
• Recommendations

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Introduction

• The number of people who work in the unorganized
  sector are much more higher than those in the
  organized sector. Thus, there is a need to divert
  more loans to unorganized sector.
• This will help in creation of more jobs and
  empowerment of people associated with unorganized
  sector.

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Definition of SGP

• Self-Help Group (SHG) is a small voluntary
  association of poor people, preferably from the
  same socio-economic background.
• They come together for the purpose of solving
  their common problems through self-help and
  mutual help.
• SHGs is a holistic programme of micro-enterprises
  covering all aspects of self-employment,
  organization of rural poor into self help groups
  and their capacity building, planning of activity
  clusters, infrastructure build up, technology ,
  credit and marketing.
• The SHGs comprise very poor people who do not
  have access to formal financial institutions.

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Implementation of SGP
Banks should divert loans to Self help groups in
order to generate employment in the unorganized
sector in the country.
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Objective of SGP

• It provides a cost effective delivery mechanism
  for small credit to its members
• The SHGs enables the members to learn cooperate
  and work in a group environment.
• The SHGs significantly contribute to the
  empowerment of poor.
• To sensitize people of target areas for the need
  of SHGs and its relevance in their empowerment
  process.
• To create group feeling among members.

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Objective of SGP

• For equitable development of all the section of
  society especially the urban slums, tribal areas,
  people on the margins because they do not receive
  much benefit.
• To enhance the confidence and capabilities of
  members.
• To develop collective decision making among
  members.
• To encourage habit of saving among members and
  facilitate the accumulation of their own capital
  resource base.
• To motivate members taking up social
  responsibilities particularly related to
  development.

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Major Function of SAG

• Saving and Thrift
• Internal Lending
• Keeping proper accounts of transactions
• Discussion problem

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Problems of SGP

• Ignorance of Members and Participants
• Inadequate Training Facilities
• Problems related to Raw Materials
• Problems of Marketing
• Exploitation by strong members 
• Inadequate and ill trained staff to meet
  challenges
• Non- cooperative attitude of the financial
  institutions
• Low Return

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Conclusion

• The significance of SHGs is integral to make
  people livelihood below poverty line , and
  further help them to be self reliant and
  empowered. SHGs enable them to increase their
  income, improve their standard of living and
  status in society

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Recommendations

• Banks, particularly co-operatives, should
  support, and eventually be replaced by,
  initiatives of SHG members
• Extent and quality of member-promoted SHGs should
  be monitored
• A regular national SHG sample survey should be
  put in place, to enable SHG quality monitoring
• Non-management bank staff should be encouraged to
  promote SHG
• Training should include hands-on SHG record
  keeping and SHG promotion. Training should
  emphasize on the importance of access versus the
  cost of finance.

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Thank You