SAHULAT BUSINESS COOPERATION GROUP PATNA CITY, PATNA (BIHAR) Submitted by Nurul Haque, Dy Manager(Operations),Regional Office Cum Training Centre, Patna Date of Presentation 20th Sept 2014

Deposit vs. Withdrawal Balance Data GROUP NO. DEPOSIT BALANCE AS ON DATE TOTAL WITHDRAWAL SINCE GROUP FORMATION G G G G G G G G G G

LOAN DISBURSED & OUTSTANDING Group No.Total Loan DisbursedTotal Outstanding Loan G G G G G G G G G G

No. of Loan Disbursed Group No.No. of Loan No. of Repeated Loan(loans given to members already availed loan) G-1229 G G-3158 G-4147 G-5101 G-6187 G-7177 G-8101 G-9100 G-1070

Loan Recovery Analysis  Previous Outstanding Loan Rs /-  Current Outstanding Loan RS /-  Recovery Percentage during July’14-Aug.’14 More than 50% (slackness in repayment has been reduced to a large extent due to follow up by field executive during this period)  Previous Outstanding Loan Rs /-  Current Outstanding Loan RS /-  Recovery Percentage during July’14-Aug.’14 More than 50% (slackness in repayment has been reduced to a large extent due to follow up by field executive during this period)

Repeated Loans  Total Repeated Loans 55  Average Repeated Loans per Group 5.5  Total Repeated Loans 55  Average Repeated Loans per Group 5.5

Repeated Loans Analysis 1)Availability of Fund 2)Demand from Applicant Member 3)No Objection from Any Member 4)Presently group realizes that if there is loanable fund available then it would be utilized to fulfill the demand of members other than members receiving repeated loan. 5)Members Goodwill/track record of repayment is also an important factor to re-issue of loans. 1)Availability of Fund 2)Demand from Applicant Member 3)No Objection from Any Member 4)Presently group realizes that if there is loanable fund available then it would be utilized to fulfill the demand of members other than members receiving repeated loan. 5)Members Goodwill/track record of repayment is also an important factor to re-issue of loans.

Payment Schedule  At present repayment schedule of loan is not based on any scientific background.  Group members are also not much matured to calculate their repayment schedule at any permanent parameter.  Therefore they use to fix their repayment schedule at weekly basis because members calculate their business transactions on weekly basis.  At present repayment schedule of loan is not based on any scientific background.  Group members are also not much matured to calculate their repayment schedule at any permanent parameter.  Therefore they use to fix their repayment schedule at weekly basis because members calculate their business transactions on weekly basis.

SAVINGS THROUGH INTEREST FREE LOAN  Total Loan DisbursedRs. 2,91,100/-  Average Interest Rate at the Basis of market 20% ____  Total Savings in Amount as per Market RateRs. 58,220/-__  Average Saving as per Group Rs. 5,822/Group  Total Loan DisbursedRs. 2,91,100/-  Average Interest Rate at the Basis of market 20% ____  Total Savings in Amount as per Market RateRs. 58,220/-__  Average Saving as per Group Rs. 5,822/Group

New Groups Detail  Total New Groups Formed Two (2)  Group One :  Total Members 11  Basis of Saving : Daily Basis  Amount of Saving : Rs. 10/- Daily  Date of formation : 05 th September, 2014  Balance upto = Rs. 1430/- (13 days)  Group Two :  Total Members 12  Basis of Saving : Weekly Basis  Amount of Saving : Rs. 50/- Weekly  Date of formation : 07 th September, 2014  Balance upto = Rs. 1200/- (2 weeks)  Total New Groups Formed Two (2)  Group One :  Total Members 11  Basis of Saving : Daily Basis  Amount of Saving : Rs. 10/- Daily  Date of formation : 05 th September, 2014  Balance upto = Rs. 1430/- (13 days)  Group Two :  Total Members 12  Basis of Saving : Weekly Basis  Amount of Saving : Rs. 50/- Weekly  Date of formation : 07 th September, 2014  Balance upto = Rs. 1200/- (2 weeks)