The Purpose and Emerging Issues in the Development of
Self Help Group


By

V. Tamilselvi
Lecturer
Department of Management studies
NPR college of Engineering and Technology
Natham
 


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ROLE EVOLUTION AND DEVOLUTION OF PARTICIPANT ENTITIES

Phase of SHG

NGO

SHG

Bankers

Pre-formation

Explorer and initiator

Observer

Onlooker

Formation

Promoter and Facilitator

Passive Participant

Observer

Stabilization I

Coach

Passive owner

Experimenter

Stabilization II

Resource person

Active owner

Financier

Growth

Advisor and IGP initiator

Manager

Collaborator

Expansion and diversification

Business support

Self - propeller

Collaborator and financial advisor


GROWTH PATH OF A SHG

Serial number

Stage of development

Time

Focus

1

Pre - formation

1-2 months

Identifying the poor through participatory methods in small hamlets

2

Formation

3 6 months

*Evolving self Help Group norms and bye laws.
*Regularizing Self Help group meeting.
*Pooling of savings, issues and collection of small loans.
*Self Help group cohesion and adjustment, system of Accounts development

3

Stabilization - I

7 12 months

*leadership and stabilization.
*Handling of self help group level transactions
Independently or with less support.
*cluster transactions

4

Stabilization II

13-18 months

*Initiation of Income generation programs
*Linkages with Banks, Cluster Associations
*Support for new Self Help Groups.

5

Growth

19-24 months

*Stabilizing linkages with banks, cluster Association.
*Expansion of IGP addressing community issues.

6

Expansion and diversification

>24 months

*Creation of assets for the Self Help Group and members.
*Spreading the concept and promotion of new Self Help Groups.
*Creation of Block level Federation.


EMERGING ISSUES IN THE DEVELOPMENT OF SELF HELP GROUPS

*
Identification of the true beneficiaries.
* Problem of illiteracy.
* Attitudinal change.
* Additional staff in the rural areas.
* Sustainability of the Self Help Groups.
* Lack of support of Business Organization.
* Procedure for application for Bank loan needs to be simplified.
* "Development through technology" still seems to be a farfetched dream. The literate members should indulge in technology education.
* Social service programmes undertaken by the group needs the support of government, corporate world to help make the programme targets achievable.
 

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Source: E-mail February 22, 2011

          

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