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click over here now During this period MYRADA and the SHGs could also foster the emergence of apex bodies but the need for such bodies and their functions should be decided by the group. All transactions are supported with documentation; a summary of loans and recoveries is posted in a public place and regularly updated. Rotation of representatives provides all the members with an opportunity to acquire the skills of group leadership. This cooperative can function informally on the basis of cooperative concept and principles. Experience with apex bodies has also shown that they are vulnerable to political influences or are used as useful content towards political positions.

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The groups provide a firm base for dialogue and cooperation in programmes with other institutions like Government departments, cooperatives, financial and Panchayat Raj institutions; if the groups are functioning well, they have the credibility and the power to ensure their participation in identifying, planning, budgeting, and implementation of Panchayat Raj programmes for theempowerment of the poor. The date, time and place of meetings must be decided on by the members and meetings held regularly according to the schedule. It takes several meetings over a period of 2 to 4 months for the group to have definite membership. In very few cases is the group taking the initiative to tap the open market; as a result, self help and self reliance is not the guiding culture of these groups; in many cases women in DWCRA groups are brought together from several neighbouring hamlets or villages; there is no common underlying bond on which trust can be built; many women leave the DWCRA group due to several reasons, many of them personal; no one, however, is asked to leave by the group because she is not abiding by its norms and culture; in a word, there are no effective sanctions operating within the group. The approach provides women with the opportunity to utilize their God-given talents and potential without external support.

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People of similar economic and social backgrounds associate generally with the help of any NGO or government agency and try to resolve their issues, and improve their living conditions. The members have agreed to save regularly, to create a habit of thrift and to establish a culture of self help. Once the first set of representatives have handed over responsibilities they could play the role of group animators, after the groups have been in operation for 12 15 months, provided they have had at least 3-4 modules of training and exposure to operating SHGs. Sometimes, a small donation is taken to cover expenses. MYRADA would still have to provide the services of its accountants for an annual audit, towards which service the group should be asked to contribute until it is capable of hiring these services on its own. Agreement to save and to lend and the willingness to abide by group decisions without breaking bonds and confidence in the group indicate a degree of trust in one another; these are the building blocks of effective SHGs.

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The major motivating factors are:- the desire to go beyond literacy to tangible and immediate investments in income generating projects, to manage which they feel more confident after participating in the literacy and awareness programmes, their need for consumption loans and the high interest rates charged by local money lenders ranging from 5% to 10% per month. Matters regarding savings and lending are also debated thoroughly as this is the major common function of the group. Also other projects are also availableThere are no reviews yet. Groups of eligible beneficiaries : In the IFAD project several groups were formed of eligible beneficiaries under pressure to meet annual targets. Next the groups begin to pay for those maintenance services which they require.

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• Rules for Loan on savings. The groups are encouraged by the intervenors to change the representatives every year and to elect/select the following years representatives six months in advance so that they can be adequately prepared and trained. getElementById(“comment”). It is, however, quite feasible for the poor members of a milk society, if they have affinity linkages and are homogeneous in terms of incomes, to form an SHG.

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