Meaning of mahila bachat gat?
Answers
Savings Group is a socio-economic activity. This designation is also called self-help group , since this process is being organized collectively . The group is given a certain name, such as awareness savings group, asmita savings group etc.
A savings group is a group that collects on a savings occasion.
Group rules
Members of the savings group can also be together only women, men and women, ie men and women. This number should be 20 or less.
Each member of the group collects a specified amount of money in the form of a fixed amount of time. This period is once a week or once a month.
This amount gets credited to the savings group members as a loan.
The loan member is expected to return the installment to the savings group.
Members of the Savings Group for the Savings Group transaction - decide on how much to pay, if you want to pay, whom to give, repayment rules etc.
Savings Group is a democracy based design so that every member of the group has equal rights.
The savings group must observe or abide by the rules of five sources.
Features
There is no need to register or pass any savings group anywhere. According to the NABARD circular, the account of the savings group members can be withdrawn only by the bank's bank account.
Since 1998, financial budget has been provided to the savings groups to get loans from the bank .
Removing the savings group does not cost any kind of expenses. This service is totally free.
The state and central governments provide financial assistance to such groups on very low interest rates . The loan has to be repaid at an easy rate.
The state and central government have set up various development schemes for the savings group. Just like the Maharashtra government has waived the stamp duty for women savings groups while taking loans from the bank, which would provide easy credit.
Women Savage Group members were given an opportunity to give a wise loan to women through social and economic development.
Entrepreneurship created by savings groups
If the process of organized strength and transparency co-approaches comes together, different types of entrepreneurship are created and contribute to the growth of society. Many types of industries were born from this movement. Some of them are successful industries -
Group Milk Business - Saraswati Women Savings Group of Mankarwadi in Shahhuwadi taluka of Kolhapur district has transformed this village with only 400 population through dairy business. [1]
Sanitary Napkin Industry - This is the first savings group in Maharashtra, making Sanitary napkin of 'Jeevan Jyotishi Mahila Vikas Savings' at Jeur near Akkalkot in Solapur district . Today, units of Sanitary Napkin production have been set up in 25 districts of Maharashtra. Apart from this, the units are being shaped in Afzalpuram in Karnataka, Gangtok in Sikkim , Baggi (Himachal Pradesh), Bihar (Karnanpuram) and Bilaspur in Chhattisgarh. [2]
These groups are now providing services like running cycle / scooter stand in the government office, running a restaurant, providing food in the anganwadi etc.
On the basis of the savings group, the group's individual industries are also encouraged.
Working Group on Savings Group
Chaitanya (Pune), Gyan Prabodhini (Pune), the entire Bamboo Center (Amravati), we are responsible for our health (Gadchiroli), Mother and Child Utkarsh Pratishthan (savings bank account for Savings Group Management, Member Book (passbook), Laser, attendance report The same is required for the minute book. (Solapur), 'Self' form Vardhini (Pune)
Feature group
Most savings groups charge 2% interest on loan. All Savings groups of Shriramnagar village in Pune Haveli taluka charge interest at 1% per month, the group has formed a factory to make fertilizer briquettes. We make 100 tons of production group every year.
Coupled with modern technology
This movement is an integral part of information technology and digital tools. NABARD has developed the e-Shakti program. [3] Through the Yashaswini campaign, the process of women saving groups has begun in the field of information technology. [4]
Documents required for the savings group
For the Savings Group management, there is a need for such deposit sheets like the expense sheet, membership book (passbook), laser, attendance, report (minute book).