Saturday, July 20, 2013

SHG Model under TRIPTI Scheme - 2

SITUATIONAL ANALYSIS:- The social inclusion process will include two steps; first to identify the left out poor, those who are not a part of any SHG/ other CBOs and second to ensure their participation in different community based organizations [SHGs, GPLF etc.] at the village/ Gram Panchayat level. In this process, the project also needs to identify the extremely poor and vulnerable groups (EPVG) in community that typically suffer from severe economic and social impediments.

For this purpose the project adopted a community-based participatory approach to identify and prioritize project beneficiaries, including ‘extreme poor and vulnerable groups’, person with disabilities and the ‘left out poor’. The proposed methodology for the same is called situational Analysis in the project which will comprise of the following exercises:
1- Participatory identification of Poor(PIP):
o Social mapping/ collection of base line of beneficiaries
o Well Being Grouping
2- SHG Grading
3- Institution Mapping
4- Livelihood mapping

FUNDS:- For operational sustainability of the GPLF, it needs different kinds of funds like the start-up fund, Institution Building (IB) fund and Community Investment Fund (CIF). Start up funds and IB fund are basically meant for office establishment and capacity building activity. The Community Investment Fund (CIF) act as a catalyst to help poor households meet their demand for improved access to credit for investment needs. The Community Investment Fund will be an infusion from the TRIPTI Project to the Gram Panchayat Level Federation (GPLF) down to the members and is expected to revolve among SHG members for taking loans and repay loans from this fund.

The SHG may provide loans for individual based livelihoods preferably for reducing vulnerabilities and shocks, income generating activities, meeting social needs and supporting investments in housing, education, etc. based on the priorities fixed by the communities in their Micro Investment Plans (MIP). Member borrows from its SHG for implementing Household Investment Plan and repays the loan amount in full with agreed terms and conditions. The amount of loan received as CIF will be first available to the most needy and vulnerable. On repayment and accumulation of group fund the other ranked members will avail funds from the group. The other sources of funding MIP are SHG’s own funds and bank finance.

Pro-Poor Inclusion Fund (PPIF) is a part of Community Investment Fund (CIF) which will focus on activities aimed at identifying the extreme poor and vulnerable groups (EPVG), and enhancing their productive capacity. The fund size of PPIF is Rs 5000/- per eligible SHG.

Panchasutra- SHGs were well aware of the Panchasutra are the five principles of maintaining an SHG and includes
• Regular Meeting
• Regular Saving
• Book keeping
• Timely Repayment
• Internal Lending

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