Microfinance

Self Help Group Formation Training Manual – Nabard

Training Manual released by Nabard for Self Help Group formation.


Contents

ABOUT THIS HANDBOOK
Helping to Form SHGs 3
What is Self Help? 4
How do We Start? 5
How are Groups Formed? 7
How are Group Meetings Organised? 8
How do SHGs take shape? 9
How do SHGs function? 11
Characteristics and Functions of SHGs 12
Linking of SHGs to Bank 15 16
Step 1 – Opening of S/B Account for the SHG 17
Step 2 – Conduct of internal lending by the SHG 17
Step 3 – Assessment of SHGs 19
Step 4 – Sanction of Credit Facility to the SHG
Spreading the Message of SHGs 22 23

ANNEXURES
I. Specimen pages of INTER-SE AGREEMENT TO BE EXECUTED BY THE MEMBERS OF 23
THE SELF-HELP GROUP 25
II. Specimen of APPLICATION TO BE SUBMITTED BY SHG TO BANK 26
III. Format of ARTICLES OF AGREEMENT FOR USE BY BANKS WHILE FINANCING SELF-HELP GROUPS 28
IV. Specimen of Saving A/c. Register maintained by SELF-HELP GROUP 29
V. Specimen of Loan A/c. Register maintained by SELF-HELP GROUP 30
VI. Specimen of CASH BOOK 31
VII. RBI Circular on OPENING OF SAVINGS BANK ACCOUNTS IN THE NAME OF SELF-HELP GROUP

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SHG Training Manual – Nabard

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