women saving scheme ( self help group)

Upload: revati-thevar

Post on 02-Apr-2018

226 views

Category:

Documents


0 download

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%