nabard partnership's with csos for linkage banking

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NABARD partnerships with CSOs for NABARD partnerships with CSOs for SHGs formation….. SHGs formation…..

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Partnering with social intermediaries for expansion of SHGs

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Page 1: NABARD partnership's with CSOs for Linkage Banking

NABARD partnerships with CSOs for NABARD partnerships with CSOs for SHGs formation…..SHGs formation…..

Page 2: NABARD partnership's with CSOs for Linkage Banking

Civil society partners* – SHG-BLP

Jammu &Kashmir

Himachal Pradesh

UttarPradesh

Punjab

Haryana

Rajasthan

GoaKarnataka

AndhraPradesh

Orissa

MadhyaPradesh

Delhi

Gujarat

Maharashtra

KeralaTamilNadu

Bihar

WestBengal

Jharkhand

Sikkim

Assam

ArunachalPradesh

Nagaland

Manipur

MizoramTripura

Meghalaya

Chhattisgarh

Green > 100

Red < 50

Yellow > 50 - 100

Partners- 67SHGs- 5500

Partners- 38SHGs- 4030

Partners- 69SHGs- 6800

Partners- 24SHGs- 1500

Partners- 130SHGs- 10300

Partners- 62SHGs- 8800

Partners- 3SHGs- 150

Partners- 9SHGs- 420

Partners- 12SHGs- 1975

Partners- 19SHGs- 770

Partners- 255SHGs- 18500

Partners- 139SHGs- 10900

Partners- 108SHGs- 6400

Partners- 130SHGs- 17800

Partners- 73SHGs-17000

Partners- 26SHGs- 3200

Partners- 414SHGs- 88400

Partners- 243SHGs- 19550

Partners- 163SHGs- 9500

Partners- 282 SHGs- 52300

Partners- 89SHGs- 7866

Partners- 51SHGs- 9810

Partners- 49SHGs- 13585

* On going only

Page 3: NABARD partnership's with CSOs for Linkage Banking

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

Page 4: NABARD partnership's with CSOs for Linkage Banking

LWE Districts

Jammu &Kashmir

Himachal Pradesh

UttarPradesh

Punjab

Haryana

Rajasthan

GoaKarnataka

AndhraPradesh

Orissa

MadhyaPradesh

Delhi

Gujarat

Maharashtra

KeralaTamilNadu

Bihar

WestBengal

Jharkhand

Sikkim

Assam

ArunachalPradesh

Nagaland

Manipur

MizoramTripura

Meghalaya

Chhattisgarh

Page 5: NABARD partnership's with CSOs for Linkage Banking

Expansion strategies in Backward /LWE Expansion strategies in Backward /LWE areas……areas……

10/04/2012

Page 6: NABARD partnership's with CSOs for Linkage Banking

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

Page 7: NABARD partnership's with CSOs for Linkage Banking

10/04/2012

Thank you Thank you