nabard partnership's with csos for linkage banking
DESCRIPTION
Partnering with social intermediaries for expansion of SHGsTRANSCRIPT
NABARD partnerships with CSOs for NABARD partnerships with CSOs for SHGs formation…..SHGs formation…..
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
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
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
Expansion strategies in Backward /LWE Expansion strategies in Backward /LWE areas……areas……
10/04/2012
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
10/04/2012
Thank you Thank you