NABARD partnership's with CSOs for Linkage Banking

NABARD partnerships with CSOs for NABARD partnerships with CSOs for SHGs formation…..SHGs formation…..

Civil society partners* – SHG-BLP

Jammu &Kashmir

Himachal Pradesh

UttarPradesh

Punjab

Haryana

Rajasthan

GoaKarnataka

AndhraPradesh

Orissa

MadhyaPradesh

Delhi

Gujarat

Maharashtra

KeralaTamilNadu

Bihar

WestBengal

Jharkhand

Sikkim

Assam

ArunachalPradesh

Nagaland

Manipur

MizoramTripura

Meghalaya

Chhattisgarh

Green > 100

Red < 50

Yellow > 50 - 100

Partners- 67SHGs- 5500














Partners- 73SHGs-17000





Partners- 282 SHGs- 52300




* On going only

Some learning's…..… Resource poor regions...longer support to poor HH Banks are unable to provide undivided attention Suitability of products ! Financial literacy at the SHG level Propensity to save – handhold individual linkages over time Specialised investment in human capital needed –livelihoods /

enterprises / non financial needs etc Differential responses by clients / SHG members Bookkeeping an area of concern, integrate technology Aggregation and collectives for appropriate market intervention

LWE Districts

Jammu &Kashmir

Himachal Pradesh

UttarPradesh

Punjab

Haryana

Rajasthan

GoaKarnataka

AndhraPradesh

Orissa

MadhyaPradesh

Delhi

Gujarat

Maharashtra

KeralaTamilNadu

Bihar

WestBengal

Jharkhand

Sikkim

Assam

ArunachalPradesh

Nagaland

Manipur

MizoramTripura

Meghalaya

Chhattisgarh

Expansion strategies in Backward /LWE Expansion strategies in Backward /LWE areas……areas……

10/04/2012

NRLM some issues ….Features Issues

Sequel to SGSY , IKP, mobilization thru SHGs and uses the federation approach.Grant to feds ..

- AP model : though states are said to evolve / plan - participatory planning missing- SHG, the only route ?... - Federations promoter driven, take away decision making, not sustainable…make it member driven.- SHGs outside feds – better governance !

Provision of revolving fund & capital subsidy , if > 70 % BPL

- specific targeting- leakages / misdirection - wrong choice of livelihoods ?

Interest subsidy – loans rates not > 7 %

- basic tenants of SHGs lost - equal loan division / differential needs not met / on-lending by members in AP

Targeting – NRLM to cover , all blocks and dists by 12 plan end

- Quality sacrificed !- PRIs / other

Role of marketing ?Convergence with NREGS / other

- Has greater role in stabilizing livelihoods

10/04/2012

Thank you Thank you

NABARD partnership's with CSOs for Linkage Banking

Small Business & Entrepreneurship

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