NABARD partnerships with CSOs for
SHGs formation……..
Civil society partners* – SHG-BLP
Jammu &
Kashmir
Himachal Pradesh
Partners- 414
SHGs- 88400
Uttar
Pradesh
Punjab ...
Some learning's…..…
 Resource poor regions...longer support to poor HH
 Banks are unable to provide undivided attentio...
LWE Districts
Jammu &
Kashmir
Himachal Pradesh
Uttar
Pradesh
Punjab
Haryana
Rajasthan
Goa
Karnataka
Delhi
Andh...
Expansion strategies in Backward /LWE
areas……
10/04/2012
NRLM some issues ….
Features Issues
Sequel to SGSY , IKP, mobilization
thru SHGs and uses the federation
approach.
Gr...
10/04/2012
Thank you
of 7

NABARD partnership's with CSOs for Linkage Banking

Partnering with social intermediaries for expansion of SHGs
Published on: Mar 3, 2016
Published in: Small Business & Entrepreneurship      
Source: www.slideshare.net


Transcripts - NABARD partnership's with CSOs for Linkage Banking

  • 1. NABARD partnerships with CSOs for SHGs formation……..
  • 2. Civil society partners* – SHG-BLP Jammu & Kashmir Himachal Pradesh Partners- 414 SHGs- 88400 Uttar Pradesh Punjab Haryana Rajasthan Goa Karnataka Delhi Andhra Pradesh Jharkhand Orissa Madhya Pradesh Gujarat Maharashtra Kerala Tamil Nadu Bihar Sikkim Meghalaya West Bengal Arunachal Pradesh Assam Nagaland Manipur Tripura Mizoram Chhattisgarh Green > 100 Red < 50 Yellow > 50 - 100 Partners- 38 SHGs- 4030 Partners- 67 SHGs- 5500 Partners- 69 SHGs- 6800 Partners- 24 SHGs- 1500 Partners- 130 SHGs- 10300 Partners- 62 SHGs- 8800 Partners- 3 SHGs- 150 Partners- 9 SHGs- 420 Partners- 12 SHGs- 1975 Partners- 19 SHGs- 770 Partners- 255 SHGs- 18500 Partners- 130 SHGs- 17800 Partners- 139 SHGs- 10900 Partners- 108 SHGs- 6400 Partners- 73 SHGs-17000 Partners- 26 SHGs- 3200 Partners- 243 SHGs- 19550 Partners- 163 SHGs- 9500 Partners- 282 SHGs- 52300 Partners- 89 SHGs- 7866 Partners- 51 SHGs- 9810 Partners- 49 SHGs- 13585 * On going only
  • 3. Some learning's…..…  Resource poor regions...longer support to poor HH  Banks are unable to provide undivided attention  Suitability of products !  Financial literacy at the SHG level  Propensity to save – handhold individual linkages over time  Specialised investment in human capital needed –livelihoods / enterprises / non financial needs etc  Differential responses by clients / SHG members  Bookkeeping an area of concern, integrate technology  Aggregation and collectives for appropriate market intervention
  • 4. LWE Districts Jammu & Kashmir Himachal Pradesh Uttar Pradesh Punjab Haryana Rajasthan Goa Karnataka Delhi Andhra Pradesh Jharkhand Orissa Madhya Pradesh Gujarat Maharashtra Kerala Tamil Nadu Bihar Sikkim Meghalaya West Bengal Arunachal Pradesh Assam Nagaland Manipur Tripura Mizoram Chhattisgarh
  • 5. Expansion strategies in Backward /LWE areas…… 10/04/2012
  • 6. NRLM some issues …. Features Issues Sequel to SGSY , IKP, mobilization thru SHGs and uses the federation approach. Grant to feds .. - AP model : though states are said to evolve / plan - participatory planning missing - SHG, the only route ?... - Federations promoter driven, take away decision making, not sustainable…make it member driven. - SHGs outside feds – better governance ! Provision of revolving fund & capital subsidy , if > 70 % BPL - specific targeting - leakages / misdirection - wrong choice of livelihoods ? Interest subsidy – loans rates not > 7 % - basic tenants of SHGs lost - equal loan division / differential needs not met / on-lending by members in AP Targeting – NRLM to cover , all blocks and dists by 12 plan end - Quality sacrificed ! - PRIs / other Role of marketing ? Convergence with NREGS / other - Has greater role in stabilizing livelihoods
  • 7. 10/04/2012 Thank you

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