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A Self
Help Group (SHG) is a small, economically homogeneous affinity group of
resource poor people, voluntarily formed to save small amounts convenient to
all the members and mutually agree to contribute to a common fund/ corpus to
be lent to its members for their emergent productive and consumption needs
as per the decision of the group.
Needs for SHG:
The
poor in villages are in capacitated due to various reasons, such as, most of
them are socially backward, illiterate, low motivation and poor economic
base. Individually a poor is not only weak in socio-economic condition but
also lacks access to the knowledge and information, which have become most
important components of today's development process. However, in a group the
poor are able to overcome many of these weaknesses. In specific terms the
need for SHGs are as under:
- To mobilize
the resources of the individual members for their collective economic
development.
- To uplift the
living condition of the poor.
- To mobilize
individual skills for member's interest
- To create a
habit of savings
- Utilization
of local resources to improve the socio-economic condition of the village
- To create
awareness about the rights
- To assist the
members financially in time of need
- To improve
the Co-ordination of the group members
- To develop
Self Confidence
- To identify
the local problems
- To collect
Information , analysis and action
- Self Economic
development among SHG's Group Members
- Proper
Observation on development works (monitoring)
- To act as a
media for social development of the village
- To develop
linkages with institutions and NGOs
- To organize
and guide the community
- To be an
example for others in self employment
- To give
training for skill development
- To avail
facilities from group schemes
- Encouraging
Self employment
- To gain
mutual understanding
-
Entrepreneurship development
- To build teamwork
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