1. “ How can SHG be link to formal Channel of credit” NERCRMP experiences presented by: Ksh. Babita Devi IDO, NERCRMP

2. NERCRMP International Fund for Agricultural Development (IFAD)
North Eastern Region
Community Resource Management Project
For Upland Areas
A project jointly funded by
International Fund for Agricultural Development (IFAD)
and
North Eastern Council (NEC) / Ministry of DONER, Government of India

3. NERCRMP Declared effective by IFAD in February, 1999
Approved by IFAD Board in April, 1997
Declared effective by IFAD in February, 1999
Start-up workshop in May, 1999
Mid-Term Review conducted in May, 2002
IFAD Interim Evaluation April 2005
Project ends in March 2006 (as on 15th Nov. 2004)

4. Overall Objective is
“To improve the livelihoods of vulnerable groups in a sustainable manner through improved management of their resource base in a way that contributes to preservation and restoration of the environment”

5. 3 states 6 Assam Manipur districts Meghalaya
Karbi Anglong, North Cachar Hills,
West Garo Hills, West Khasi Hills,
Senapati and Ukhrul

6. 2292 SHGs 862 39,203 households villages 997 NaRMG 2,35,218
Beneficiaries

7. Feature of the SHG under NERCRMP
Comprises of members
Formed base on the affinity group
Have vision and mission
Organizational and financial management plan
Self monitoring system
Experience sharing and strengthening weaker SHGs

8. STAGES Stage one (formation to one year) Stage two:
Formation of the group
Capacity building : group dynamics, leadership, record keeping, account maintenance, internal saving & lending, group works,social activities.
Assessment/grading .
Support for revolving fund.
Stage two:
Linkages with line agencies
Linkages with banks
Formation of SHG federation
Registration

9. District wise status of SHG
Sl. no
State
Name of the District
No of SHG
Total Saving
(Rs) 1
Meghalaya
West Garo Hills
453
818488 2
West Khasi Hills
312 3
Manipur
Senapati
394 4
Ukhrul
564 5
Assam
North Cachar Hills
249
866294 6
Karbi Anglong
320
822838
Total
NERCRMP
2292
1,07,30,864

10. Grading status Sl. No State District Total SHG Grade A Grade B C
Ungraded 1
Meghalaya
West Garo Hills
453
144
110 48
151 2
West Khasi Hills
312 80 14 67 3
Assam
Karbi Anglong
320
138
113 18 51 4
NC Hills
249
122 60 5 62
Manipur
Senapati
394
270 11 6
Ukhrul
564
175
134
Total
2292
1003
722
102
465

11. Loan received from various Financial Institution
Sl. No
Name of the district
No of SHG
Bank / other agencies
Loan received (Rs) 1
West Garo Hills 40
SBI, DRDA 2
West Khasi Hills 6
200000 3
Senapati 64
SBI 4
Ukhrul - 5
NC Hills 44
450000
Karbi Anglong 30
LDRB
Total
184
32,52,000

12. Purpose of Loan Production
Farm sector : cultivation, piggery, poultry & Goat rearing
Non farm sector : weaving, handicraft, petty business, food processing
Consumption
Education
Health
Social functions

13. Changes emerging among the SHG
Habit of saving inculcated.
Loaning among the members in a regular features.
Repayment rate is on an average between % with no default.
In most villages they have displaced the traditional moneylender.
SHG members are developing habits of going to the banks and even open their individual bank accounts which were never heard of.
SHG Micro credit and activities have brought a qualitative change.
Group performance assessment held regularly. It has benefited at all level in the project.
Linkages with line agencies & Banks are picking up.

14. Challenges Diversity of tribes, languages, & ethno-aspirations.
Mountainous & prolong monsoon.
Diversity of tribes, languages, & ethno-aspirations.
Poor connectivity of road & transport
Inadequate banking facilities & services.
Poor response from the line departments.
Lack of reliable Agriculture Market Information system together
with reliable organisation.

15. THANK YOU