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National level workshop on Sustainability of SHGs - Synthesis of Parallel session I

National level workshop on Sustainability of SHGs - Synthesis of Parallel session I. Parameters of Sustainability. Long term continuation of an institution. Owned, controlled and managed by People. Appropriate systems and processes. Scaling up for sustenance

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National level workshop on Sustainability of SHGs - Synthesis of Parallel session I

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  1. National level workshop on Sustainability of SHGs - Synthesis of Parallel session I

  2. Parameters of Sustainability • Long term continuation of an institution. • Owned, controlled and managed by People. • Appropriate systems and processes. • Scaling up for sustenance • Established partnership with Mainstream • Multiple products and services responding to needs • Meeting its own costs. • Fulfilling the developmental needs of the members. • Identity

  3. Dimensions of Sustainability • Institutional - Shared purpose, structure, strategy, staff, systems, style and shared values…… • Financial - Deepening and scaling up financial services (saving, credit and insurance) - Ability to mobilise resources for self growth • Developmental -Achieving poverty reduction -Enhancing quality of life

  4. Usury Sustainability of members of SHGs are more important rather than Sustainability of MCIs (Micro Credit Institutions)

  5. Policy level changes required • While financing MCIs( Micro Credit Institutions) , cap on the interest rate to be Fixed on the ultimate beneficiaries shall be prescribed • Regulatory bodies like RBI or NABARD shall not insist on individual account when they are already part of Financial inclusion through SHGs. • Development oriented SHG Federations should be encouraged by banks and funding agencies. • No subsidies.

  6. Implementation level changes for Sustainability of SHGs • Federations should be discouraged to do lending activity as they do not have capacity for managing portfolio. • Members of SHGs should have same socio economic status • NGOs should not operate on Project mode. It should operate on Programme mode. • Capacity of NGOs should be duly assessed on infrastructure, core competence, past experience before providing promotional support. • MIS systems needs to be strengthened to avoid duplication • Every stake holders should treat each one as partners to ensure effective convergence of efforts.

  7. Implementation level changes for Sustainability of SHGs • Timely, adequate loans • SHGs should be treated as business propositions and not as beneficiaries/charity mode • Capacity of building of SHG Members, leaders, Promoting NGO. • Banks should give more focus for SHGs rather than MCIs. • Banks should give more focus for BC and BF model effectively rather than supporting MCIs. • Capacity of the Community to be built up to the extent that they are able to take up their own issues.

  8. Implementation level changes for Sustainability of SHGs • MCIs activities need to be properly documented and placed before NABARD/RBI/Govt. • Major NGOs shall set up resource centre in North India for spreading SHG Movement • In the regions where the movement have not picked up to the desired level, Development programmes can be routed through SHGs. • SHGs should be temple of development at the grassroots democracy • SHG should decide what they want to do. There should not be external pressure. It should be member driven.

  9. Thank You

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