Aspiring youths in self-help-groups: Can they become change agents in their communities?
Several self-help-group (SHG) programs across the country have contributed significantly to empower women in the social, political, and economic spheres. But, young female SHG members demand more from the SHG model. Read our blog for a more nuanced and detailed understanding of the key challenges of young female members, which, if resolved, can further add to the success of the SHG model.
May 27, 2020
SHGs should balance or break
In the words of NABARD, “internal savings mobilized by its members is the core of the SHG”. Banks size their loans to SHGs as a multiple of the savings accumulated. Strangely though, it is not routine for banks to verify SHG balance sheets before lending. Few SHGs try to balance their books, and even fewer have provisions for audits. In the SHG-bank linkage model, the size of bank loans is determined by the size of the SHG corpus, more than by any other single factor. As a result, SHGs face very strong systemic incentives to neglect errors that overstate their collective savings or understate losses.
Jul 16, 2019
Making the Business Correspondent (BC) model work for Self-Help Groups (SHGs)
This case study highlights the SHG-BC model, how the model can be further improved, and factors that contributed to the success of the model.
Mar 5, 2013
Why Do People Not Join or Drop Out of SHGs?
MicroSave conducted this study to assess the reasons for women not joining or dropping out from SHGs in Andhra Pradesh, and to provide recommendations to financial service providers to address the issues and concerns of clients by devising appropriate solutions.
Aug 6, 2012
SHG Audit – A Field Balance Sheet Approach
This note details the pioneering “Field Balance Sheet Approach” towards auditing SHGs. It provides a step by step process for conducting the audit as well as explores the benefits.
Nov 4, 2010
Savings and Internal Lending Communities (SILC) in Uganda
This report evaluates the Savings and Internal Lending Communities (SILC) programme in Uganda to assess its achievements, its challenges and from the lessons learned, make recommendations for expansion.
Dec 1, 2007
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