how was progress of Mahila bachat gath
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For the empowerment of womens the most commendable activity undertaken by the bank is forming several women self help groups. The Bank has undertaken many guidance seminars about different small scale ventures for these self help groups. And has provided monetary assistance thus making millions of womens self sufficient and proud.
A SHG is a group of about 20 people from a homogeneous class,who come together for addressing their common problems.SHGs promote small savings among their members. The savings are kept withthe bank. The bank loans are given without any collateral and at market interest rates.
Mere saving is not the objective of SHG , But SHG should learn the skill of utilizing collected saving fund And keeping proper accounting of the same in order to create self confidence among themselves, such self confidence would lead to economic progress of SHG’s. It would create group strength. NABARD knows the fact and insists SHG scheme upon RDCC Bank purposely.
Financial weak women should come together fog saving purpose. Their mere saving should become saving fund. The most needy women should get loan amount at negligible rate and should try to become self sufficient. The women in the group should discuss their problem with each other and ideas of every member should be shared with each other, it’s the basic idea for formation of SHG’s.
SHG’s are not only formed to save or to get loans but also it compels the rural women and Adivasi women to inculcate the saving habit.
The following are the Rules, conditions and guiding matters of SHG’s.
1. The group member should be from one ward staying in the same area.
2. The group should be formed in the first meeting and should be named by approval of all. The Male and Female Group should be separate.
3. In every group at least 10 and maximum 20 members should be existed.
4. In order to lead the group properly the chief of the group, the deputy chief of the group and the secretary should be appointed in thefirst meeting of the members and the same appointees should be authorized to do banking transactions.
5. The saving Bank account should be opened in the nearby branch of the RDCC Bank in the name of that specific group and amount should be deposited monthly in the same A/c.
6. The amount to be deposited monthly should equal to all and affordable to all.
7. Every member should handover the saving amount to the chief of the group up to 5th-6th date of every month and the chief supposed to deposit it up to 10th of that month.
8. After three or six months the group should start according to the needs of the members, only the members are eligible to get loan, No outsider is allowed to get loan. The rate of interest on the member loan should be fixed by getting approval of all members.
9. Any person can become the member of only one SHG.
10. No member is allowed to leave the group before completing one year period at any cost.
11. Being the member of the Group, the member should attend every meeting of the group.
12. If the branch Manager should be satisfied by seeing 6 months transactions properly the same manager can recommend to the Bank forloan to that specific group if that group really needs the loan facility.
13. The formed SHG’s may be registered or may be nonregistered.
14. The members of the Group should come together to discuss of the working and progress of the group at least once in the month/week,For that purpose all types of the record such as cash book, ledgers, minutes,passbook, attendance register should be kept for inspection.
A SHG is a group of about 20 people from a homogeneous class,who come together for addressing their common problems.SHGs promote small savings among their members. The savings are kept withthe bank. The bank loans are given without any collateral and at market interest rates.
Mere saving is not the objective of SHG , But SHG should learn the skill of utilizing collected saving fund And keeping proper accounting of the same in order to create self confidence among themselves, such self confidence would lead to economic progress of SHG’s. It would create group strength. NABARD knows the fact and insists SHG scheme upon RDCC Bank purposely.
Financial weak women should come together fog saving purpose. Their mere saving should become saving fund. The most needy women should get loan amount at negligible rate and should try to become self sufficient. The women in the group should discuss their problem with each other and ideas of every member should be shared with each other, it’s the basic idea for formation of SHG’s.
SHG’s are not only formed to save or to get loans but also it compels the rural women and Adivasi women to inculcate the saving habit.
The following are the Rules, conditions and guiding matters of SHG’s.
1. The group member should be from one ward staying in the same area.
2. The group should be formed in the first meeting and should be named by approval of all. The Male and Female Group should be separate.
3. In every group at least 10 and maximum 20 members should be existed.
4. In order to lead the group properly the chief of the group, the deputy chief of the group and the secretary should be appointed in thefirst meeting of the members and the same appointees should be authorized to do banking transactions.
5. The saving Bank account should be opened in the nearby branch of the RDCC Bank in the name of that specific group and amount should be deposited monthly in the same A/c.
6. The amount to be deposited monthly should equal to all and affordable to all.
7. Every member should handover the saving amount to the chief of the group up to 5th-6th date of every month and the chief supposed to deposit it up to 10th of that month.
8. After three or six months the group should start according to the needs of the members, only the members are eligible to get loan, No outsider is allowed to get loan. The rate of interest on the member loan should be fixed by getting approval of all members.
9. Any person can become the member of only one SHG.
10. No member is allowed to leave the group before completing one year period at any cost.
11. Being the member of the Group, the member should attend every meeting of the group.
12. If the branch Manager should be satisfied by seeing 6 months transactions properly the same manager can recommend to the Bank forloan to that specific group if that group really needs the loan facility.
13. The formed SHG’s may be registered or may be nonregistered.
14. The members of the Group should come together to discuss of the working and progress of the group at least once in the month/week,For that purpose all types of the record such as cash book, ledgers, minutes,passbook, attendance register should be kept for inspection.
rohitkumargupta:
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