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Empowerment Activities

Self Help Groups

SHG is group of rural poor who have volunteered to organise themselves into a group for eradication of poverty of the members. They agree to save regularly and convert their savings into a Common Fund known as the Group corpus. The members of the group agree to use this common fund and such other funds that they may receive as a group through a common management. The group formation will keep in view the following broad guidelines :

Generally a self-help group may consist of 10 to 20 persons. However, in difficult areas like deserts, hills and areas with scattered and sparse population and in case of minor irrigation and disabled persons, this number may be from 5-20. The difficult areas have to be identified by the State Level SGSY Committee and the above relaxation in membership will be permitted only in such areas.

Generally all members of the group should belong to families below the poverty line. However, if necessary, a maximum of 20% and in exceptional cases , where essentially required, upto a maximum of 30% of the members in a group may be taken from families marginally above the poverty line living contiguously with BPL families and if they are acceptable to the BPL members of the group. This will help the families of occupational groups like agricultural labourers, marginal farmers and artisans marginally above the poverty line, or who may have been excluded from the BPL list to become members of the Self Help Group. However,the APL members will not be eligible for the subsidy under the scheme. The group shall not consist of more than one member from the same family. A person should not be a member of more than one group. The BPL families must actively participate in the management and decision making, which should not ordinarily be entirely in the hands of APL families. Further, APL members of the Self Help Group shall not become office bearers( Group Leader, Assistant Group Leader or Treasurer )of the Group.

The group should devise a code of conduct (Group management norms) to bind itself. This should be in the form of regular meetings (weekly or fortnightly), functioning in a democratic manner, allowing free exchange of views, participation by the members in the decision making process.

The group should be able to draw up an agenda for each meeting and take up discussions as per the agenda.

The members should build their corpus through regular savings. The group should be able to collect the minimum voluntary saving amount from all the members regularly in the group meetings. The savings so collected will be the group corpus fund.

The group corpus fund should be used to advance loans to the members. The group should develop financial management norms covering the loan sanction procedure, repayment schedule and interest rates.

The members in the group meetings should take all the loaning decisions through aparticipatory decision making process.

The group should be able to prioritise the loan applications, fix repayment schedules, fix appropriate rate of interest for the loans advanced and closely monitor the repayment of the loan instalments from the loanee.

The group should operate a group account preferably in their service area bank branch, so as to deposit the balance amounts left with the groups after disbursing loans to its members.

The group should maintain simple basic records such as Minutes book, Attendance register, Loan ledger, General ledger, Cash book, Bank passbook and individual passbooks. The sample proforma for maintenace of above records by the group is in the Annexure II for guidance. These could be used with necessary changes/ modifications wherever required.

50% of the groups formed in each block should be exclusively for the women. In the case of disabled persons, the groups formed should ideally be disability-specific wherever possible, however, in case sufficient number of people for formation of disability-specific groups are not available, a group may comprise of persons with diverse disabilities or a group may comprise of both disabled and non-disabled persons below the poverty line.

 

Sl. No.

District

No. of New Groups to be formed

No. of New Groups formed

% of Achievement

1

KANCHEEPURAM

600

1297

216%

2

THIRUVALLUR

325

804

247%

3

VELLORE

550

384

70%

4

THIRUVANNAMALAI

250

260

104%

5

DHARMAPURI

250

341

136%

6

KRISHNAGIRI

175

174

99%

7

SALEM

825

889

108%

8

NAMAKKAL

475

585

123%

9

ERODE

1325

2032

153%

10

COIMBATORE

1300

1599

123%

11

THE NILGIRIS

275

536

195%

12

CUDDALORE

400

605

151%

13

VILLUPURAM

375

704

188%

14

THANJAVUR

550

966

176%

15

NAGAPATTINAM

200

522

261%

16

THIRUVARUR

175

409

234%

17

THIRUCHIRAPALLI

425

418

98%

18

PERAMBALUR

150

180

120%

19

PUDUKKOTTAI

200

175

88%

20

DINDUGAL

600

1318

220%

21

KARUR

275

364

132%

22

MADURAI

300

172

57%

23

THENI

550

316

57%

24

RAMANATHAPURAM

175

92

53%

25

VIRUDHUNAGAR

225

257

114%

26

SIVAGANGA

300

136

45%

27

TIRUNELVELI

900

1340

149%

28

TUTICORIN

475

1230

259%

29

KANYAKUMARI

1400

3349

239%

Total

14025

21454

153%

 

TRAINING FOR SELF HELP GROUPS & INDIVIDUAL SWAROZGARIS

Sl.
No.

Name of District

SHGs trained

Nature of Training

No. of
SHGs

No. of persons Trained

Total

SC

ST

Women

1

1

2

4

5

6

7

8

1

Kancheepuram

15

169

99

7

136

Catering, Motor winding

2

Tiruvallur

20

268

148

0

203

Tailoring,catering, fashion, driving

3

Vellore

82

146

33

71

115

Computer,Electrician ,Fitter

4

Tiruvannamalai

24

60

20

35

90

Computer,Tailoring, Driving

5

Dharmapuri

52

115

 

115

174

Tailoring,Rexine leather, Paper plate

6

Krishnagiri

41

90

 

90

170

Tailoring,Rexine leather, Paper plate

7

Salem

120

359

0

359

359

Tailoring,Beautician,Rexine, Coir making

8

Namakkal

62

135

0

135

135

Tailoring,Beautician, Rexine, Coir making

9

Erode

75

225

82

174

62

Tailoring,Comput,Mat

10

Coimbatore

84

170

65

170

129

Tailoring,Man.of Bags,tailoring,Baking,Beautician

11

Nilgiris

56

127

70

62

65

Computer,Tailoring,

12

Cuddalore

35

501

66

20

140

Candle, appalam, seaweed /Crab culture, Book binding, Horticulture, Coir making, Herbal Products, Palm products & Masonry

13

Villupuram

20

257

50

10

85

Appalam, Jam, seaweed /Crab culture, Vermi culture

14

Thanjavur

158

585

87

45

283

Computer,Tailoring,

15

Nagapattinam

2

231

37

18

44

Leather products

16

Tiruvarur

54

150

15

12

28

Computer,Tailoring,

17

Trichy

52

130

25

1

122

Terracotta,Greeting card, Ready made,Home appliance

18

Perambalur

47

101

31

1

36

Driving

19

Pudukottai

34

87

43

0

82

Screen Print,Home App,Note making, Table mat making

20

Dindigul

18

74

27

12

41

Tailoring

21

Karur

11

37

21

8

21

Tailoring

22

Madurai

14

59

4

0

30

Computer,Tailoring, Toys

23

Theni

87

196

45

0

124

Computer,Tailoring, Toys

24

Ramanad

19

49

5

10

39

Computer

25

Virudhunagar

25

46

31

0

27

Computer

26

Sivagangai

24

55

9

0

54

Tailoring

27

Tirunelveli

132

314

9

27

259

Computer,Coir, Fisheries,Honey

28

Tuticorin

114

148

4

0

141

Computer,Coir, Seashore sippies, Panai

29

Kanniyakumari

112

248

0

0

169

Service Kiosk, Leather products, Bakery, Napkin, wiring,seaweed /Crab culture, Coir making, Herbal Products, Palm products & Masonry, Fishnet, Tailoring, Hollow Block, Tiles, Photography

 

Total

1589

5132

1026

1382

3363

 

 

 

Catering

 

 

Embroidery

 

 

Handicrafts

 

 

Leather Works

 

Tailoring

 

 

Weaving

 

Others

Mudworks

Mosquito Coils

 

Fish Net

Motor Winding

 


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