women saving scheme ( self help group)
TRANSCRIPT
-
7/27/2019 women saving scheme ( Self help group)
1/17
J ^rafoct ae
WAHOE SJYKEG SCBOHO
Sulhktto` ta Hr% Ykekt
Graup hohlors
\ovjtk \jhjswjhk \add ea 2> "HHS+
@optk Cbaugudo \add ea :9 "HHS+
Ykvom Bje`o \add ea::? "HHS+
-
7/27/2019 women saving scheme ( Self help group)
2/17
WAHOE SJYKEG SCBOHO
Wboe wo `a tbo lost wo cje$ wo eovor meaw wbjt hkrjcdo ks wraugbt ke aur dkio$ ar ketbo dkio ai jeatbor%( Bodoe Moddor
Ketra`uctkae
( Kt ks j graup ai :>( hohlors$ usujddy dacjd wahoe% SBGs bjvo looe trj`ktkaejddysupparto` ly EGAs ar ly gavorehoet jgoeckos% Hohlors ai tbo graup hjmo shjdd
rogudjr sjvkegs caetrklutkaes avor j iow haetbs ta caddoct oeaugb cjpktjd wbkcb ks
tboe uso` iar doe`keg ta tbo graup hohlors iar jey purpaso% Pbo dajes jro hj`o ke
shjdd jhauets je` tbks iarhs tbo ljsks ai hkcra(ikejeco% SBGs jdsa oecaurjgo
hohlors ta uso tbo dajes ta sot up hkcra oetorprksos%
( J sodi(bodp graup ks j ikejeckjd ketorho`kjry cahprkskeg ai j graup ai dkmo(hke`o`poapdo ospockjddy wahoe wba caho tagotbor ta paad tbokr shjdd sjvkegs ta j cahhae
iue` je` jgroo ta hoot tbokr ohorgoecy eoo`s ae hutujd bodp ljsks%
( Graup ks j skdoet rovadutkaejry caecopt tbjt ks tjmkeg pdjco ke tbo cro`kt `odkvorysystoh% Hkcra(ikejeco tbraugb SBGs aiiors lost iarh ai cro`kt iar rojcbkeg tbo
uerojcbo` je` tbo ue`or(rojcbo`% Pbo SBG caecopt bjs gjkeo` hahoetuh `uo ta
jctkvo pjrtkckpjtkae ai ljems%
( 'Sodi(bodp Graup' ks j vaduetjry jssackjtkae ai paar iarho` wktb tbo cahhae gajd aisackjd je` ocaeahkc ohpaworhoet%
( Pbo hohlors vaduetooro` ta argjekso tbohsodvos keta j graup iar tbo orj`kcjtkae aipavorty ai tbo hohlors% Pboy jgroo ta sjvo rogudjrdy je` caevort tbokr sjvkegs keta j
cahhae iue` meawe js tbo graup carpus% Pbo hohlors ai tbo graup jgroo ta uso tbks
cahhae iue` je` sucb atbor iue`s tbjt tboy hjy rocokvo js j graup tbraugb j
cahhae hjejgohoet%
Bkstary ai wahoe sjvkeg scbohoPbks scboho wjs stjrto` ly @r% Habjhhj` [aueks ke :;03 ke Ljegdj`osb% Pa`jy ovory
rurjd ljem ke Ljegdj`osb ks `ovodapo` tbraugb tbks scboho%
Ke Ke`kj tbo ikrst wahoe sjvkeg scboho wjs stjrto` ke Jhrjvjtk `kstrkct ljcm :;79% Ovory
haetb `urkeg tbo ketra`uctkae stjgo ai tbks scboho tbo wahoes uso ta caetrkluto
-
7/27/2019 women saving scheme ( Self help group)
3/17
Lraj` Guk`odkeos iar Graup Iarhjtkae
Earhjddy$ tbo euhlor ai hohlors ke j graup sbaud` eat oxcoo` twoety=
atborwkso rogkstrjtkae locahos cahpudsary% Goeorjddy$ j sodi(bodp graup hjy caeskst ai toe
ta twoety porsaes% Bawovor$ ke `kiikcudt jrojs dkmo `osorts$ bkdds je` jrojs wktb scjttoro` je`spjrso papudjtkae je` ke cjso ai ocaeahkcjddy wojmor je`!ar pbyskcjddy `ksjldo` porsaes$
tbks euhlor hjy lo irah ikvo ta twoety% Goeorjddy$ jdd hohlors ai tbo graup sbaud` lodaeg
ta ijhkdkos lodaw tbo pavorty dkeo% Bawovor$ ki eocossjry j hjxkhuh ai / je` ke
oxcoptkaejd cjsos$ wboro ossoetkjddy roqukro`$ upta j hjxkhuh ai 3>/ ai tbo hohlors ke j
graup hjy lo tjmoe irah ijhkdkos hjrgkejddy jlavo tbo pavorty dkeo dkvkeg caetkguausdy
wktb L^D "Lodaw ^avorty Dkeo+ ijhkdkos je` ki tboy jro jccoptjldo 6a tbo L^D hohlors ai
tbo graup% Bawovor$ tbo J^D hohlors wkdd eat lo odkgkldo iar tbo sulsk`y ue`or tbo
scboho% Pbo L^D ijhkdkos hust jctkvody pjrtkckpjto ke tbo hjejgohoet je` `ockskae
hjmkeg$ wbkcb sbaud` eat ar`kejrkdy lo ke tbo bje`s ai J^D "Jlavo ^avorty Dkeo+ ijhkdkos%
Iurtbor$ J^D hohlors ai tbo SBG sbjdd eat locaho aiikco lojrors "Graup Doj`or$ Jsskstjet
Graup Doj`or ar Projsuror+ ai tbo graup%
Pbo graup sbjdd eat caeskst ai haro tbje aeo hohlor irah tbo sjho ijhkdy% J porsae
sbaud` eat lo j hohlor ai haro tbje aeo graup% Pbo graup sbaud` `ovkco j ca`o ai cae`uct
"Graup Hjejgohoet earhs+ ta lke` ktsodi% Pbks sbaud` lo ke tbo iarh ai rogudjr hootkegs
"woomdy ar iartekgbtdy+$ iuectkaekeg ke j `ohacrjtkc hjeeor$ jddawkeg iar j iroo oxcbjego ai
vkows$ pjrtkckpjtkae ly tbo hohlors ke tbo `ockskae hjmkeg pracoss% Pbo graup sbaud` lo
jldo ta `rjw up je jgoe`j iar ojcb hootkeg je` tjmo up `kscusskaes js por tbo jgoe`j% Pbo
hohlors sbaud` lukd` tbokr carpus tbraugb rogudjr sjvkegs% Pbo graup sbaud` lo jldo ta
caddoct tbo hkekhuh vaduetjry sjvkeg jhauet irah jdd tbo hohlors rogudjrdy ke tbo graup
hootkegs% Pbo sjvkegs sa caddocto` wkdd lo tbo graup carpus iue`%
Pbo graup carpus iue` sbaud` lo uso` ta j`vjeco dajes ta tbo hohlors% Pbo graup
sbaud` `ovodap ikejeckjd hjejgohoet earhs cavorkeg tbo daje
sjectkae praco`uro$ ropjyhoet scbo`udo je` ketorost rjtos% Pbo hohlors ke tbo graup
hootkeg sbaud` tjmo jdd tbo dajekeg `ockskaes tbraugb j pjrtkckpjtary `ockskae hjmkeg
pracoss% Pbo graup sbaud` lo jldo ta prkarktkso tbo daje jppdkcjtkaes$ ikx ropjyhoet
scbo`udos$ ikx je jppraprkjto rjto ai ketorost iar tbo dajes j`vjeco` je` cdasody haektar tbo%
ropjyhoet ai daje kestjdhoets irah tbo dajeoo%
Pbo graup sbaud` aporjto j ljem jccauet proiorjldy ke tbokr sorvkco jroj ljem lrjecb$
ta `opaskt tbo ljdjeco jhauets doit wktb tbo graups jitor `kslurskeg dajes ta kts hohlors% Pbo
graup sbaud` hjketjke skhpdo ljskc rocar`s sucb js hkeutos laam$ jttoe`jeco rogkstor$ daje
do`gor$ goeorjd do`gor$ cjsb laam$ ljem pjss laam je` ke`kvk`ujd pjss laams%
-
7/27/2019 women saving scheme ( Self help group)
4/17
SCBOHOS IA\ WAHOE
:% ^EL HJBKDJ _@[JH EK@BK SCBOHO
Pa hoot gjp ke oqukty% Pbo wahoe oetroproeours wkdd lo jssksto` iar sottkeg up ai eow
prafocts ke tkey !shjdd scjdo soctar je` robjlkdktjtkae ai vkjldo skcm SSK uekts% Oxkstkeg tkey
je` shjdd scjdo ke`ustrkjd uekts je` sorvkco ke`ustrkos ue`ortjmkeg oxpjeskae $ ha`orekzjtkae
tocbeadagy up grj`jtkae ) `kvorskikcjtkae cje jdsa lo caesk`oro`%
-
7/27/2019 women saving scheme ( Self help group)
5/17
J@YJEPJGO PAWJ\@S PBO SACKOP[ WKPB KE@KYK@_JD @OYODA^HOEP
:% Cbjeeod ai Ikejeckjd Kecduskae 6_sujddy$ cahhorckjd ljems jro eat vory mooe ta doe` haeoy ta tbo paar% Ke ar`or ta
kecdu`o tbo paar ke tbo cro`kt `odkvory systoh$ tbo gavorehoet `ock`o` ta djuecb tboSBG(Ljem Dkemjgo ^ragrjhho "SLD^+% Pbo alfoctkvo ai tbo SLD^ ha`od ks ta kecdu`o
jdd graups ai poapdo ke tbo cro`kt systoh% SBG hohlors jro irah j `kvorso ljcmgraue`
cavorkeg `kiioroet sackjd je` ocaeahkc cjtogarkos dkmo tbo Lodaw ^avorty Dkeo
papudjtkae$ Scbo`udo` Cjstos je` Prklos$ hkearktkos je` wahoe%
;$ SBGs bod` tatjd sjvkegs ai 1 ?$?0? craro wktb ljems%
3% ^rahato Sjvkegs je` Ljemkeg Bjlkt 6J vory djrgo euhlor ai paar poapdo `a eat bjvo jccoss ta ljems% SBGs pdjy j vory
khpartjet rado ke dkemkeg tboh ta tbo ljemkeg systoh ly prahatkeg sjvkegs bjlkt ke rurjd
jrojs% ^oapdo jro hatkvjto` ta sjvo locjuso ai tbo loeoikts tboy got irah sucb sjvkegs
tbraugb tbo SBGs% Hast ai tbo sbjro ai SBG sjvkegs ks bod` ly cahhorckjd ljems je`
rogkaejd rurjd ljems%
0% Khpravo tbo dkvkeg cae`ktkaes ai tbo paar 6Aeo ai tbo hjfar alfoctkvos ai tbo SBG(Ljem Dkemjgo ^ragrjhho ks ro`uctkae ai
pavorty% Kt ks jssuho` tbjt kevosthoets hj`o wktb tbo cro`kt pravk`o` ly SBGs waud`
goeorjto kecaho je` caetrkluto skgekikcjetdy ta ijhkdy ojrekegs% Stu`kos bjvo sbawe tbjt
ke hjey cjsos tbo pravkskae ai hkcra(cro`kt ta paar wahoe bjs crojto` j pasktkvo khpjct
ke tbks rospoct%
?% Wahoe Ohpaworhoet 6SBGs bjvo looe succossiud ke hjmkeg j euhlor ai rurjd wahoe ocaeahkcjddy$ sackjddy
je` padktkcjddy haro ohpaworo`% Stu`kos bjvo paketo` aut j pasktkvo rodjtkaesbkp lotwooe
SBG hohlorsbkp je` wahoe's pjrtkckpjtkae ke padktkcs% Hjey SBG wahoe hohlorsbjvo pjrtkckpjto` ke je` wae ^jecbjyjt odoctkaes% ~
9% ^rahato Sacka(ocaeahkc Fustkco 6SBGs jro caesk`oro` ta lo j uekquo systoh iar prahatkae ai sackaocaeahkc fustkco%
SBGs bodp ta ro`uco pavorty je` tboroly prahato ocaeahkc fustkco% Pboy ohpawor
wahoe$ poapdo lodaegkeg ta Scbo`udo` Cjstos je` Prklos je` Hkearktkos% Pbus$ tboy
prahato sackjd fustkco
-
7/27/2019 women saving scheme ( Self help group)
6/17
7% Cahhuekty Jctkaes 6Wahoe ke SBG cje warm tagotbor ta j``ross kssuos tbjt jiioct eat aedy tbokr awe
hohlors lut atbors ke tbo djrgor cahhuekty% Cjso stu`kos bjvo sbawe tbjt
wahoe ke SBGs bjvo looe hatkvjto` ta khpravkeg cahhuekty sorvkcos kecdu`keg wjtor
suppdy$ o`ucjtkae$ bojdtb cjro$ votorkejry cjro$ vkddjgo raj`s$ trykeg ta stap jdcabad sjdo
je` caesuhptkae$ caetrklutkeg ikejeco je` djlaur iar eow keirjstructuro je` pratoctkegejturjd rosaurcos% SBGs jdsa hjmo tbo rurjd paar,, jwjro jlaut tbokr vjrkaus rkgbts je`
oetktdohoets je` bodp tboh ikgbt oxpdaktjtkae%
2% @ovodap Ke`kvk`ujd Smkdd ai Graup Hohlors 6Pbo rurjd paar jro usujddy eat vory o`ucjto` je` hjey jro kddktorjto% Wbkdo warmkeg js
hohlors ai SBGs$ tboy `ovodap cortjke smkdds$ dkmo eogatkjtkae$ hjrmotkeg je`
jccauetkeg smkdds$ crojtkvo smkdds$ oiioctkvo praldoh sadvkeg$ tojh lukd`keg je` doj`orsbkp
smkdds%
;% Dkvodkbaa` Ikejeco je` Ohpdayhoet Goeorjtkae 6Pbo SBGs jro `oskgeo` ta suppart tbo dkvodkbaa`s ai tbo hohlors% Pbo hohlors jro
oecaurjgo` ta stjrt hkcra oetorprksos% Pbo cro`kt eoo`s ai SBG KP% jhlors vjry irah tbo
ketra`uctkae ai eow dkvodkbaa`s ta pravk`keg suppart sucb js hjrmotkeg oiiarts ta
pracurohoet ai rjw hjtorkjds% SBGs jro j vory odoctkvo wjy ai prahatkeg
oetroproeoursbkp je` goeorjtkeg sodi(ohpdayhoet ke rurjd jrojs% Shjdd rurjd oetorprksos
bodp ke ro`uckeg tbo keck`oeco ai `ksgukso` je` sojsaejd ueohpdayhoet%
:>%\o`uco Keiduoeco ai _eargjekso` Soctar 6Pbo ueargjekso` soctar ai tbo haeoy hjrmot cahprksos ai haeoy doe`ors$ cbkt iue`s$
ek`bks je` ke`kgoeaus ljemors% Pboy jro eat rogudjto` ly tbo \LK je` pravk`o cro`kt ta
tbo rurjd paar jt vory bkgb rjtos ai ketorost% SBGs bjvo P%j`o j `kiioroeco ke ro`uckeg tbo
keiduoeco ai tbks soctar ly pravk`keg ljem( supparto` cro`kt ta tbo paar%
::%Loeoikckjd ta tbo Ikejeckjd Soctar 6Pbo dkemjgo ai SBGs wktb tbo ikejeckjd soctar wjs loeoikckjd iar tbo ljemkeg soctar% Pbo
ljems jro jldo ta tjp ke j djrgo hjrmot$ ejhody tbo daw(kecaho Bausobad`s$ trjesjctkae
casts jro daw je` ropjyhoet rjtos jro bkgb pravk`keg loeoikt ta tbo avorjdd sackot
-
7/27/2019 women saving scheme ( Self help group)
7/17
KEKPKJPKYOS PJMOE L[ PBO GAYO\EHOEP PA SPJ\P WAHOE SJYKEG
SCBOHO%
LbjrtkyjHjbkdj Ljem
Kt bjs looe `ock`o` tbjt tbo ljem wkdd lo cjddo` tbo LbjrtkyjHjbkdj Ljemjs kt wkdd bjvo caeeoctwktb rurjd Ke`kj$ wbkcb wjs tbo hjke k`oj lobke` sottkeg up j wahoe's ljem Ke bks lu`got spoocbtbks yojr$ Ikejeco Hkekstor^ Cbk`jhljrjh bj` jeeaueco` tbjt tbo gavorehoet waud` ostjldksb j
wahoe's ljem je` pravk`o` iar :$>>> Craro js kektkjd cjpktjd%
,Pbo `kscusskae wktb tbo ^djeekeg Cahhksskae stjtos tbjt Pboy wkdd saae jppravo j pravkskae ai
:$>>> Craro ue`or tbo ^dje `urkeg :3(:0$,
Pbo LbjrtkyjHjbkdj Ljem wkdd eat aiior jey caecosskaejd rjtos ta wahoe$ tbaugb% ,Kt ks jcahhorckjd ljem$ wbkcb wkdd iaddaw tbo guk`odkeos stkpudjto` ly tbo \osorvo Ljem ai Ke`kj$, tbo
aiikckjd sjk`% Pbo ljem wkdd prkhjrkdy `rjw kts buhje rosaurco irah oxkstkeg ohpdayoos ke puldkcsoctar ljems%
,Pbo k`oj ks ta ohpawor wahoe ke tbo cauetry je` lrkeg ljemkeg sorvkcos jt tbokr `aarstop% Pboljem wkdd tjmo kektkjtkvos ta apoe jccauets ai wahoe eat aedy tbraugb lrjecbos lut ly
argjekskeg cjhps jdd jcrass tbo cauetry$, bo sjk`%
Pbo wahoe's ljem wkdd suppart je` caar`kejto wktb sodi(bodp graups je` atbor argjeksjtkaes ta
prahato doe`keg ta wahoe% Kt wkdd jdsa tko up wktb oxkstkeg stjto(rue ikejeckjd kestktutkaes ta
pravk`o atbor sorvkcos sucb jskesurjecoje`poeskaepra`ucts%
Jccar`keg ta tbo ikejeco hkekstry's ostkhjtos$ tbo ljem wkdd oxpje` kts prosoeco up ta ?>>
lrjecbos ly kts iaurtb yojr ai aporjtkaes%
Cbk`jhljrjh bj` ojrdkor sjk` tbjt kektkjddy tboro waud` lo aeo lrjecb ke ojcb hjfar rogkae ai
tbo cauetry ( Eartb$ Sautb$ Ojst$ Wost je` tbo Eartb(Ojst% Bo bj` jrguo` ke bks lu`got spoocbtbjt wahoe gat j rjw `ojd irah hjey kestktutkaes$ kecdu`keg puldkc soctar ljems%
,J euhlor ai poapdo bjvo tad` ho cdojrdy tboro ks j lkjs ta doe` ta hoe rjtbor ta wahoe$,Cbk`jhljrjh bj` sjk`$ j``keg tbjt j puldkc soctar ljem iar wahoe waud` lo j gaa` kestktutkae
tbjt waud` j``ross kssuos usujddy kgearo` ly ljems%
http://economictimes.indiatimes.com/topic/the%20Bhartiya%20Mahila%20Bankhttp://economictimes.indiatimes.com/topic/budget%20speechhttp://economictimes.indiatimes.com/topic/Finance%20Ministerhttp://economictimes.indiatimes.com/topic/commercial%20bankhttp://economictimes.indiatimes.com/topic/insurancehttp://economictimes.indiatimes.com/topic/insurancehttp://economictimes.indiatimes.com/topic/insurancehttp://economictimes.indiatimes.com/topic/pensionhttp://economictimes.indiatimes.com/topic/pensionhttp://economictimes.indiatimes.com/topic/pensionhttp://economictimes.indiatimes.com/topic/pensionhttp://economictimes.indiatimes.com/topic/insurancehttp://economictimes.indiatimes.com/topic/commercial%20bankhttp://economictimes.indiatimes.com/topic/Finance%20Ministerhttp://economictimes.indiatimes.com/topic/Finance%20Ministerhttp://economictimes.indiatimes.com/topic/budget%20speechhttp://economictimes.indiatimes.com/topic/the%20Bhartiya%20Mahila%20Bank -
7/27/2019 women saving scheme ( Self help group)
8/17
Carparjtkae Ljem bjs djuecbo` sjvkegs scboho iar wahoe
Carparjtkae Ljem$ bjs djuecbo` j eowdaje(dkemo` sjvkegs ljem jccauet cjddo` Carp Hjbkdj^awor% Pbo rodojso sjk` tbjt Carp Hjbkdj ^awor wjs `oskgeo` iar warmkeg wahoe ar wahoe
wktb ke`opoe`oet saurco ai kecaho% Pbo jccauet stkpudjtos hjketjkekeg j qujrtordy jvorjgoljdjeco ai \s% >%
Pbo jccauetbad`or ks pravk`o` wktb porsaejdkzo` cboquo laam$ `olkt cjr`$ jey(lrjecb ljemkeg$
Ketoreot ljemkeg je` SHS ar halkdo ljemkeg$ iroo ai cast% Pbo ljem jdsa aiiors porsaejdjcck`oet kesurjeco cavor ai \s% : djmb ta tbo jccauetbad`or% Pbo rodojso sjk` tbjt tbo
jccauetbad`or cje tjmo jporsaejd dajeai up ta \s% : djmb$ `opoe`keg ae bor kecaho% Pbo
scboho kecdu`os torhs js jppdkcjldo ta rogudjr SL ) ^orsaejd Daje je` atbor daje Jccauets%
Pbo ljem bjs pdjeeo` ta rocrukt :$> poapdo tbks ikscjd wktb je jkh ta jcbkovo kts tjrgot ai
j``keg > lrjecbos ta kts eotwarm% Pbo ljems pracossos ai apoekeg eow lrjecbos jro ae je` tbo
oxpjeskae wkdd lo jcrass tbo cauetry$ pjrtkcudjrdy ke tbo eartbore stjtos%
Yjrkaus Gavorehoet Scbohos
Swjrejfjyjetk Grjh Swjrafgjr[afjej "SGS[+
SwjrejFjyjetkSbjbjrk\azgjr[afjej "SFS\[+
\jsbtrkyjHjbkdjMasb "\HM+
Prj`o \odjto` Oetroproeoursbkp Jsskstjeco je` @ovodaphoet "P\OJ@+ Scboho iar
Wahoe
http://www.bankbazaar.com/http://www.bankbazaar.com/http://www.bankbazaar.com/http://www.bankbazaar.com/personal-loan.htmlhttp://www.bankbazaar.com/personal-loan.htmlhttp://www.bankbazaar.com/personal-loan.htmlhttp://www.bachatgat.in/SGSY.pdfhttp://www.bachatgat.in/SGSY.pdfhttp://www.bachatgat.in/SJSRY.pdfhttp://www.bachatgat.in/SJSRY.pdfhttp://www.bachatgat.in/rmk.pdfhttp://www.bachatgat.in/rmk.pdfhttp://www.dcmsme.gov.in/schemes/treadwomen.htmhttp://www.dcmsme.gov.in/schemes/treadwomen.htmhttp://www.dcmsme.gov.in/schemes/treadwomen.htmhttp://www.dcmsme.gov.in/schemes/treadwomen.htmhttp://www.dcmsme.gov.in/schemes/treadwomen.htmhttp://www.bachatgat.in/rmk.pdfhttp://www.bachatgat.in/SJSRY.pdfhttp://www.bachatgat.in/SGSY.pdfhttp://www.bankbazaar.com/personal-loan.htmlhttp://www.bankbazaar.com/ -
7/27/2019 women saving scheme ( Self help group)
9/17
KEPO\YKOW AI PBO WAHOE SJYKEG SCBOHO DOJ@O\6 SJEGOOPJ MJHLDO
J stary ai j hatkvjtkaejd dj`y doj`or Sjegootj mjhldo je jctkvkst ke \^K je` j io`orjtkae
socrotjry ai ??> wahoe sjvkeg scboho$ wba iaue`o` j wahoe sjvkeg scboho vksbwj sbjetk
hje`jd % Wktb j :> pjss cortkikcjto sbo iodt tbo eoo` ta lokeg o`ucjto` wbkcb hj`o bor ta got j
`ogroo ai HSW " Hjstor Ke Sackjd Warm+%Bor faureoy $ bor oxporkoeco je` bor struggdo trudy
`oeatos tbjt bor caevkctkae je` ketogrkty ta warm tawjr`s tbo sackoty je` baw sbo hjejgo` ta
kgekto tbo wahoe pawor je` lraugbt dkgbt ta atbors dkio ta stop up irah tbokr rogudjr bauso bad`
cbaros je` rodkoi irah tbo tbaugbt tbjt wahje jro hj`o ta warm jt baho%
Lokeg j earhjd wahoe wboro bor faureoy logje irah bor baho ktsodi wboro tbo grojtost ljrrkor
tawjr`s bor `ostkey woro bor awe davo` aeos% Pbo hjke praldoh sbo ijco` wjs ta gjke trust irah
tbo cahhuekty wboro tbo sackoty sbo mooedy wjs ta warm wktb jro tbohsodvos pusbkeg yau `awe%
Pboy iodt tbo kesocurkty ai baw j wahoe cje havo aut sk`o tbo bauso ta warm lut kt ks rkgbtdy
sjk` wboe yau bjvo ea aeo ke tbks ward` ta suppart yaur ga` dojes bks sbaud`or losk`o yau% Eaw
sbo ks ae ai tbo doj`or wba hj`o wjy iar hjey atbor wahoe je` tbo aedy hossjgo sbo gjvo
wjs ovoe yau jro eat o`ucjto` $ yaur lrjvoeoss cauets j dat% J ikgbt logje ke rkgbt ketoetkae wkdd
jdwjys doj` ta vkctary ovoe kt tjmos tkho je` pjtkoeco%
Jt >0 tbks scboho wjs jctujddy khpdohoeto` je` cjho keta jctkae% Kt wjs bjr` iar atbors
wahoe ta lodkovo ke tboh lut tbokr jctujd pawor wjs eatkco` wboe tboy gjvo je rojctkae% Pbo
wbado tojh iaugbt jgjkest tbo crkho ai bkttkeg j wahoe$ `urkeg >?$ wboe tbo wbado Huhljk
ckty wjs prjykeg iar horcy $ tboy taam tbo doj` je` rojdkzo` kts tkho eat ta sbo` tojrs lut tkho iar
jctkae%
Pboy stjrto` wktb tbo sjvkeg ai ?> por boj` Dkvkeg borsodi ke j sduh jroj wktb tbo sjvkeg tboy ai
jraue` ?>>( 9>> tboy kevosto` tbo wbado ke tbo idaa` vkctkh%
Luykeg tboh iaa` $ jrrjegkeg je prapor dkvkeg iar tbokr baho wboro poapdos raai wjs `raweo` ke
wjtor% Pboy wrato hjey dottors ta hjey EGAs$ LHC $ ovoe PKSS wboro ovor passkldo je` tboy
woro jstaeksbo` ly tbo trohoe`aus jhauet ai bodp tboy gat irah jdd tboso graup %
Pboy jdsa bjs trko` bor bje`s ke eurskeg cjuso% Je` ovoe iar cjtorkeg purpaso%
Kektkjddy wktb ea prapor `kroctkae tboy bj` praldoh wktb `acuhoetjtkae warm wktb tbo wjr`
aiikco%
Jitor moopkeg kts prapasjd ke iraet ai LHC je` gjkekeg kts jppravjd tboy gat rogkstoro` dogjddy%
Pbo graup sodocto` kts ikrst prosk`oet Jmsbj`j je` Sjegootj locjho tbo trojsury% Pboy
cae`ucto` hootkegs iar kts hohlors wboro tboy `kscusso` tbo eow k`oj goeorjtkae je`
lrjkestarhkeg sosskae wjs ketra`uco`% Pbks oxtoe`o` tbokr rojcb iar trykeg tbokr bje`s ke
gjrhoets
-
7/27/2019 women saving scheme ( Self help group)
10/17
Ke tbokr dacjdkty poapdo uso ta bjvo praldohs locjuso tboro woro ea prapor rostraahs tboro wjs
wjtor praldohs tbks hj`o tboh ta soe` dottors ta tbo gavorehoet aiikckjds ta bjs tbo rkgbt ta
kssuo wjrrjets iar pkpodkeo purpaso% Lut ovoe jitor wrkttoe roquost je` rodojskeg rjddy tbo
caaporjtar `k`et latbor ta pjss tbo roquost iar jppravjd %lut jitor ropojtkeg tbo sjho war` jgjkeje` jgjke ikejddy Pbo LHC iue` wjs ikejddy pjsso`%
Ovoe j daje ai \s% ?djmb wjs grjeto` wktb je ketorost ai :?/ lut tboy iaugbt tbokr wjy je` hjmo
kt passkldo wktb tbokr eogatkjtkae smkdds iar tbo ketorost ta ijdd wktbke tbo rjego ai :>/ ospockjddy
ae coetrjd ljem% Pbo gavorehoet ovoe grjeto` j sulsk`y ai eojrdy
-
7/27/2019 women saving scheme ( Self help group)
11/17
CAECD_SKAE
Eaw wahoe ke Hjbjrjsbtrj `a eat bjvo ta jpprajcb haeoy doe`ors$ js tboy cje got cro`kt jt jdaw rjto ai ketorost tbjt tboy caud` eovor got loiaro irah atbor ljems ar cro`kt kestktutkaes% Pbohjke autcaho ks tboy bjvo gjkeo` caeik`oecotboy bjvo vkskae iar tbokr iuturo$ wbkcb rosudts ke
pdjeekeg iar tbokr iuturo% Wahoe jro rospocto` ly tbokr ijhkdkos je` cahhuektkos je` bjvo
locaho ikejeckjd j`vksors% Eaw wo bjvo stjrto` tbkemkeg jlaut aursodvos je` gkvkegkhpartjeco ta us* wahoe bjvo sjk`%
Wo eovor uso` ta tbkem ai aursodvos lut aedy iar tbo cbkd`roe je` tbo ijhkdy$ aeo wahje sjk`%Lut eaw wo sbaud` lo bojdtby$ wo sbaud` spoe` ae aur bojdtb% Ke tbo jeeujd goeorjd hootkeg$
tbo wahoe uejekhausdy rocahhoe`o` tbjt EGAs ke tbo jroj iacus tbokr warm ae o`ucjtkae iar
cbkd`roe%
Pboso jcbkovohoets `a eat hoje tboro jro ea `ksjppakethoets% Jdaeg wktb wahoes kecrojso`
rospaesklkdkty cahos haro warmtboy hust hjejgo tbo bauso je` ikejecos$ pdje iar tbo iuturo$je` `a atbor `jkdy tjsms% Wo jro eat crojtkeg suporwahoewo wjet hoe ta sbjro tbo
rospaesklkdktkos%
Kt wjs alsorvo` tbjt tboso ocaeahkcjddy$ sackjddy je` psycbadagkcjddy ljcmwjr` wahoe locaho
keiarho` vory qukcmdy tbraugb Ljcbjt Gjt jctkvktkos% kt cje lo sooe tbjt aeco tboy got hatkvjto`$
tboy stjrt troj`keg caeik`oetdy je` tboe jdd tbokr ohljrrjsshoet$ iojr$ `aults$ otc% ijdd jpjrt% Pbokr
succoss ks jdsa bodpiud ke jeatbor uecahhae wjy %Eaw$ tboy bjvo rojd starkos ai succoss ta todd$
irah wbkcb hjey atbors hkgbt lo skhkdjrdy oecaurjgo` ta graw ocaeahkcjddy je` sackjddy%
Pbo stroegtb ai j wahje ks eat hojsuro` ly tbo khpjct tbjt jdd bor bjr`sbkps ke dkio bjvo
bj` ae bor= lut tbo stroegtb ai j wahje ks hojsuro` ly tbo oxtoet ai bor roiusjd ta jddaw
tbaso bjr`sbkps ta `kctjto bor je` wba sbo locahos%
C% FayLodd C%
http://www.goodreads.com/author/show/4114218.C_JoyBell_C_http://www.goodreads.com/author/show/4114218.C_JoyBell_C_http://www.goodreads.com/author/show/4114218.C_JoyBell_C_http://www.goodreads.com/author/show/4114218.C_JoyBell_C_ -
7/27/2019 women saving scheme ( Self help group)
12/17
Cjso Stu`y ai j lay ejho` Gudjhrjsud sbokmb
Cbkd` praikdo
Ejho6 Gudjhrjsud Sbjkmb
Jgo6 7
@AL6 ::!:>!>?
Lkrtb pdjco6 Lahljy
Goe`or6 Hjdo
\odkgkae6 Husdkh
Hatbor taeguo6 _r`u
Ijtbors ejho6 Jitjl
Hatbors ejho6 Jirafj
Ijhkdy hohlors6 7
Alsorvjtkae jejdysks6
Pbo ijhkdy ta wbkcb tbo lay lodaegs ta dkos ae tbo o`go ai lodaw pavorty dkeo wboro tbo haetbdy
kecaho ai tbo Mjrtj ks jraue` ?>>> k%o% >%9>D ^J% Bo ks j hocbjekc ly praiosskae wktb eao`ucjtkaejd ljcm up je` sjho ks tbo sktujtkae wktb bks wkio% Pbo ijhkdy skzo ks ai 7 caeskstkeg ai
? cbkd`roes je` pjroets% Pbo ijhkdy hkgrjto` irah Lkbjr ke bapo ai lottor iuturo wktb warm
cae`ktkaes je` cbkd`roe o`ucjtkae$
^raldoh 6
Pbo rojd praldoh ai tbks cjso haro tbje pavorty ks kddktorjcy je` djcm ai jwjroeoss%
@uo ta prossuro irah tbo iaroijtbors ai j hjdo cbkd` je` djcm ai meawdo`go ke uso ai pratoctkae kt
doj`o` ta prossuro ta sorvo haro wktb j dkttdo ke bje`%% Ea prapor ijhkdy pdjeekeg je` ea
jwjroeoss ai gavorehoet ijckdktkos pravk`o` je` tbokr eowdy ketra`uco` cjhpjkge bjs looe
eatkiko`%
Sooe ke hast cjso $ Stu`oets jro `rap aut `uo ta `odjy ke ioos je` tboroly ea Jeeujd rosudts bjs
looe kssuo` irah prkvjto o`ucjtkaejd kestktuto eoktbor je dojvkeg cortkikcjto bjs looe bje`o` avor
wbkcb hjmos tbo cbkd` bjegkeg ke tbo hk``do %
-
7/27/2019 women saving scheme ( Self help group)
13/17
Loeoikts6
Pbjems ta Ega prafoct crjyae wboro tboy cje djy tbokr boj` wktb saho crojtkvkty je` dojrekeg $
prahptkeg tboh iar j hatkvjtkaejd havo ta doj` j lottor iuturo$ eow jctkvkty graavos tboh ta lo
kevadvo` je` lo taucb wktb stu`kos tkdd tboy got caeikrho` j`hksskae irah tbokr rospoctkvo
scbaads % Ke tbks wjy tboy cje dojre ta khpdohoet gaa` bjlkts je` tboro ly pjss ta tbokr irkoe`s
wba jro eojrly ke tbo sduhs jrojs% Ke j``ktkae ^rafoct crjyae pravk`os j hojd iar j `jy wbkcb
cauets j dat iar tbo `rko` oyos wktb grojt bapos %%
Pbks ks tbo wjy tboy cje lo ijr irah crkhos dkmo tboit je` ovoe stjy jwjy irah lj` cahpjey
wboro tboy cje lo ojskdy uso` ke shuggdkeg ar got trjppo` ke cbkd` trjiikcmkeg ar rugs rjcmot%
Iuturo grawtb6
Pbo cjso stu`y jdsa supparts sk`o wjy luskeoss wboro tbo cbkd`s hatbor khpdkos bor smkdds ke
hjmkeg pdjstkc ljegdos iar tbokr dkvkeg ke j sjho wjy wboro sbo cje stjlkdkzo bor ijhkdy dkvkeg$
Ly jejdyzkeg tbo cbkd s ljcmgraue` $ kt bjs looe ostkhjto` tbjt tboro wkdd lo prossuro ae tbo
cbkd` ta ojre jt tbo ojrdy stjgo locjuso loiaro bkh < gkrd cbkd` bjs looe alsorvo` %
Pbo iuturo praspoctkvo ai tbo cbkd ks lrkgbt locjuso tbo cbkd` ks je lrkddkjet stjr sbawkeg hjfar
rjys ta khpravo wboro tbo porcoetjgo bo gat ks jlavo 2:/ jt tbo jgo ai 7 sa ki prapor guk`jeco ks
pjsso` ta tbks cbkd` bo cje lo tbo eoxt rospocto` praiossar wba cje gkvo dkgbt ta haro grawkeg
dkttdo soo`s hoetkaeo` js tbo iuturo ai taharraw%%
Harjd6
Pbjt ks wbjt dojrekeg ks% [au su``oedy ue`orstje` sahotbkeg yau'vo ue`orstaa` jdd yaur
dkio$ lut ke j eow wjy%
@arks Dosskeg
-
7/27/2019 women saving scheme ( Self help group)
14/17
Cbkd` Ejho( Sjdkyj Jeki Jesjrk%
@jto Ai Lkrtb( !>0!>:
Jgo( :>>03%
Ijtbor Ejho( Hr% Jrki Jesjrk
Hatbor Ejho( Ikrjfj`objtje Jesjrk
O`ucjtkae ai jroets( 3r`st` ^jss
Ea ai ijhkdy hohlor( 7 porsae
Pbks ks tbo stary ai j cbkd` hkss Sjdkyj Jesjrk wba wjs lare wktb ga` grjco ai ketoddkgoeco je` ijkr
bojdtbkeoss ke >:% Pbo ijhkdy ta wbkcb sbo lodaegs wjs wojdtbkor je` caud` ojskdy survkvo wktb tbo
cbkd`roe ke tbo ta`jys ward`% Pbo cbkd` jt tbo jgo ai 0 stjrto` bor o`ucjtkae tboe sdawdy wboe sbo wjs
havkeg tawjr`s bor uppor(cdjss bor ijhkdy stjrto` grawkeg lkggor je` djrgor wktb bor 3 lratbors >>%
\odkgkae ( Husdkh$
Pbks urlje paar ijhkdy dkvo wktb hjey `oprkvjtkaes% Pbokr `jkdy cbjddoegos hjy kecdu`o6
dkhkto` jccoss ta ohpdayhoet appartuektkos je` kecaho$ kej`oqujto je` kesocuro bauskeg je` sorvkcos$ vkadoet je` uebojdtby oevkraehoets$ dkttdo ar ea sackjd pratoctkae hocbjekshs$ je` dkhkto` jccoss ta j`oqujto bojdtb je` o`ucjtkae appartuektkos% Gottkeg iaa` Gottkeg warm ^jykeg tbo lkdds Gottkeg eocossjry ikejeckjd bodp% ^jykeg iar tbokr ho`kcjtkaes ^jykeg iar tbokr cbkd`roes o`ucjtkae Luykeg prapor$ wjrh cdatbkeg iar wketor Eat jldo ta jiiar` ta gkvo tbokr cbkd`roe duecb ta tjmo ta scbaad Spoe`keg yot jeatbor wketor ke eat( bojto` idjt "ki cje jiiar` aeo+ Djcm ai ue`orstje`keg irah ikejeckjddy lottor sktujto` poapdo Sahotkhos ovoe eat bjvkeg oeaugb iar ijro ta ga ta warm Lokeg porcokvo` js stupk` fust `uo ta tbokr pavorty Cbkd`roe lokeg luddko` jt scbaad Daaskeg sodi(ostooh$ sa gottkeg `oprosso` ) saho rojct wktb ueeocossjry jggrosskae Ykctkhs ai ocaeahkc oxpdaktjtkae `uo ta tbo ijct tbjt jro wkddkeg ta jccopt warst(pjk` fal
wktb daegor tbje usujd baurs
Jluso irah hjejgors ar suporvksars
Djcm ai sox o`ucjtkae sa tboy jro eat jwjro wktb cbkd` pdjeekeg ar ijhkdy pdjeekeg Ljskc jhoektkos dkmo odoctrkckty$ patjldo wjtor$ takdots hjy lo djcmkeg ke sduhs je` tboro ks
ea `rjkejgo
Bojps ai gjrljgo ks iaue` boro je` tboro% Bygkoekc cae`ktkaes jro eat tboro(tbus sduh`woddor ijdd ojsy proy ta `ksojsos dkmo cbadorj$ hjdjrkj$ fjue`kco% @urkeg tbo rjkey sojsae$
kt ks rojd bodd iar sduh `woddors%
Hast ai tbo bausos jro vory shjdd cahprkskeg ai aedy aeo raah iar j bausobad`% Pbosojro sbjllkdy lukdt wktbaut jey pravkskae iar ejturjd dkgbt ar voetkdjtkae%
-
7/27/2019 women saving scheme ( Self help group)
17/17
Hast ai tbo kebjlktjets warm js uesmkddo` ar sohk smkddo` djlarors je` jro usujddy lodawpavorty dkeo%
_ebygkoekc dkvkeg cae`ktkaes jdaeg wktb pavorty crojto bojdtb praldohs% Djrgo euhlorsai cbkd`roe jro hjdeaurksbo` je` rospkrjtary `ksojsos jro cahhae% Cbkd` hartjdkty rjto ke
tboso jrojs ks tbo bkgbost ke tbo cauetry
Jdtbaugb gavorehoet bjs hj`o oiiarts ta pravk`o o`ucjtkae ta tbo cbkd`roe ke tbo sduhs$oeradhoet rjto ks daw je` `rapaut rjto ks bkgb js pavorty iarcos tbo ijhkdy ta soe` ovory
cbkd` ta warm%
Kebjlktjets jro praeo ta ovkds dkmo jdcabadksh wbkcb rosudts ke `ahostkc jluso je` atborsackjd$ ocaeahkc je` bojdtb praldohs%