Post on 14-Apr-2018
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SMBT(Sarvodaya Mutual BenefitTrust) Micro-finance to SHGs
Self Help Group Approach
Promotion of Livelihoods through Mutual Benefit Trust
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An SMBT needs to manage both its Financial andSocial Performance
MISSION
Social and financial performance
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Mission statement analysisSMBTs
Social performance
Social performance
Reach poorclients (who)
Provide services
that help reducepoverty (how)
Reduce client poverty(what)
Improve the well-being ofthe economically active poor
by providing long-term accessto quality financial services
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Conceptual framework:
The social performance pathwayadapted
Goals
Systems Service design and delivery
Objectives
Reaching target clients
Meeting client needs
In line with their
capacities
]
C
H
A
N
G
E
Alignment with social responsibilities & values
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Background: SMBT
Vision:Promote Sustainable CommunityInstitutions for Micro-finance and Rural
Livelihoods; Mission:To Alleviate Poverty among 100,000 Rural
Poor Families by 2014;
Current Operations: 15,000 Families in 3districtsof 2 states;
A Professional Agency (30 professionals);
Operational Vision: Promote Livelihoods Clustersfor the Poor
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Why SMBTs Economy of Scale
Negotiation of loans from mainstream FIs
Manage larger economic activities
Reduce Transaction Cost
Additional services can be housed
Cost of promotion of more groups can beminimized
Can become a pressure point for the women
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Goals and Objectives
GoalTo Promote cluster based Livelihoods through self sustainable
community based Institutions for rural poor women;
ObjectiveTo grow Mutual benefit trusts with women membership and
sustainable external linkages;
Time Frame
Three Years
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Registeration of 14 SMBTs(Future)
In future 14 such SMBTs would be registered and link with
financial Institutions
Around 2000 SHGs would be members of such SMBTs Insurance and Business development and IDS services
would be provided by such SMBTs to the SHGs
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Business status till 2010
Credit given 57883900 Rs.
Revenue generated to
SMBTs
948000 Rs.
No. of SHGs benefited 1394
No. of household
benefited
12249
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Women
SHGs
Women
Dairy
Groups in
Villages
Women
Rice
Groups in
Villages
BASIX
Chilling of milk in the
bulk coolers atsub-cluster level
Managed by NGO and
owned by producers
Transportationof chilled milk to
nearest market on
contract basis
Cluster
SMBTs
Entrepreneursto be responsible for
collection and
Transportation of raw milk
Veterinary
Service
Providers
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DAIRY INTERVENTION (Future)
A livelihood-cum-self help group of 12 to 15 women come
together for Livelihood activity through credit, saving and
inter-loaning Bank linkage for working capital and expansion
Bulk Coolers to improve marketability
Cluster association facilitates/ manages feed, vet care &
bank linkage
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Rice Intervention(Future)
A Village level association for collecting and aggregating
the Production of Rice
A Cluster level Infrastructure for Storage and warehouseing Bank linkage for working capital and expansion
Grading, Sorting and Packaging of Rice
Geogrophical Indication and Brand-building of local
Produce Linkages to export market
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THANK YOU
Prakash Choudhry