I.CONCEPT OF SELF-HELP GROUP Lo;a lgk;rk lewg dk fl)kar

CONCEPT OF SELF-HELP GROUP Lo;a lgk;rk lewg dk fl)kar SHG is formed for those people who are poor, having low saving capacity and who depend on money-lenders or landlords for meeting their day to day consumption and production needs. Lo;a lgk;rk lewg,sls yksxksa ds fy, cuk;k tkrk gS tks xjhc gaS] ftudh cpr djus dh {kerk de gS vkSj [kir vkSj mRiknu dh vko’;drkvksa ds fy;s lkgwdkjksa ;k tehankjksa ij fuHkZj jguk iMrk gS The group plays a role of facilitator rather than a money lender or middlemen. It is a model for development. Lkewg lkgwdkj ;k fcpkSfy;k u gksdj jkLrk lqxe cukus dk dke djrk gS ;g fodkl dk,d uewuk gS 2 RSB-SHG

What is Self Help Group? Lo;a lgk;rk lewg D;k gS\  A homogenous group, consisting of 10 to 20 members, joining together for a specific purpose at a specific time and whose members use savings, credit and social involvement as “instrument” of empowerment. ,d leku Lrj ds 10 ls 20 lnL;ksa dk lewg] tks fdlh fof’k”B m)s’; ds fy;s fof’k”B le; ij feyrs gaS vkSj blds lnL; cpr] m/kkj vkSj lkekftd Hkkxhnkjh ds l’kDrhdj.k dk lk/ku curs gSa 3 RSB-SHG

OBJECTIVES OF SELF HELP GROUP Lo;a lgk;rk lewg ds m}s’; RSB-SHG 4  To inculcate saving habit regularly. fu;fer cpr dh vknr Mkyuk gSA  To meet consumption and production needs through accessibility of credit. [kir vkSj mRiknu vko’;drk;sa _.k }kjk iwjh djuk  To gain economic prosperity and eliminate poverty. vkfFkZd le`f) djokuk vkSj xjhch mUewyu djuk  To support each other as members of a group. lewg ds lnL;ksa ds :Ik esa,d nwljs dk enn djuk  To establish linkages with other agencies. nwljh laLFkkvksa ls laidZ cuokuk  To enhance confidence level and decision making. fo’okl dk Lrj vkSj fu.kZ; ysus dk {kerk c<kuk  To increase the knowledge in general. lkekU; Kku c<kuk  To reduce exploitation and work as a pressure group. ’kks”k.k de djds,d nckc lewg ds :Ik es dk;Z djokuk  To stimulate women’s entrepreneurship. Ekfgykvksa dh m|e’khyrk fodflr djokuk

FUNCTIONS OF SHG Lo;a lgk;rk lewg ds dk;Z RSB-SHG 5  Meeting cSBd  Savings cpr  Lending m/kkj nsuk  Maintaing book of accounts & records: fglkc fdrkc vkSj fjdkMZ dk j[kj[kko  Common action programmes. lkekU; fdz;kfUor dk;Zdze  Linkages and networking with other agencies. nwljh,tsafl;ksa ls lEidZ djuk vkSj,d tqV gksds muls tqMs jguk  Training and capacity building. izf’k{k.k vkSj {kerk fuekZ.k

STRUCTURE OF A SELF-HELP GROUP Lo;a lgk;rk lewg dh lajpuk RSB-SHG 6  Size vkdkj  Participation Hkkxhnkjh  Affinity vkReh;rk  Leadership usr`Ro  Voluntary in nature LoHkko ls LoSfPNd  Democratic in nature LoHkko ls yksdrkaf=d  Rules and regulations for effective functioning. izHkkoh dk;Z djus ds fy, fu;e vkSj dkuwu  Book keeping and maintenance of record cgh [kkrs vkSj fjdkMZ dk j[kj[kko  Informal in nature. LoHkko ls vukSipkfjd

CHARACTERISTICS OF A GOOD SELF-HELP GROUP vPNs Lo;a lgk;rk lewg ds fo’ks”krk;sa RSB-SHG 7 1. MEMBERSHIP LknL;rk 2. SAVINGS cpr 3. LENDING _.k nsuk 4. LEADERSHIP usr`Ro 5. BOOKKEEPING AND RECORD cgh [kkrs vkSj fjdkMZ 6. MEETING WEEKLY / FORT NIGHTLY/ MONTHLY ekfld cSBd 7. FUND MANAGEMENT foRr izcU/ku 8. DECISION MAKING fu.kZ; ysuk 9. CONFLICT RESOLUTION leL;k lek/kku

STAGES OF SELF HELP GROUP Lo;a lgk;rk lewg ds pj.k RSB-SHG 8 Formation jpuk Stabilization LFkkbZdj.k Graduation dzfed o`f) Linkage lEidZ

FORMATION jpuk RSB-SHG 9  Identification of poor people in a village. xkaao esa xjhc O;fDr;ksa dk p;u  Motivation to form group. lewg cukus dh izsj.kk  Selection of leader. usrk dks pquuk  Conducting meeting. cSBdksa dk vk;kstu  Saving regularly fu;fer cpr  Understanding and adjusting each other.,d nwljs dks le>uk vkSj leUo; cukuk  Trust building. fo’okl fuekZ.k djuk

STABILISATION LFkkbZdj.k RSB-SHG 10  Stabilisation of group members. lewg ds lnL;ksa dk LFkkbZdj.k  Handling group level transactions. lewg Lrj ij ysu nsu dk lapkyu  Starting lending. _.k nsuk izkjEHk djuk  Prioritising the issues and needs of the people. yksxksa ls lacfU/kr fo”k; vkSj vko’;drkvksa dks izkFkfedrk nsukA  Facilitating defaulters to repay the amount and its importance for their development. nks”kh cdk;snkjksa dss _.k Hkqxrku dk jkLrk lqxe djuk vkSj muds fodkl esa bldk egRo le>kuk

GRADUATION dzfed o`f) RSB-SHG 11  Framing rules and regulations for defaulters. cdk;snkjksa ds fy;s fu;e dkuwu cukuk  Identifying agencies for credit needs. _.k nsusokyh laLFkkvksa dks <wa<uk  Leadership development. usr`Ro fodkl  Book-keeping, monitoring and follow-up. fglkc fdrkc] fuxjkuh vkSj vuqorZu

LINKAGE lEidZ RSB-SHG 12  Linkage with banks. cSadksa ls lEidZ vkSj tqMko  Linkage with govt. Agencies like DRDA,SC/BC Corporation, etc. ljdkjh laLFkkvksa tSls DRDA,SC/BC fuxe vkfn ls lEidZ vkSj tqMko  Federation of SHG. Lo;a lgk;rk lewg dk egkla?k  Participation in development programme. fodkl dk;ksZa esa Hkkxhnkjh