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Presentation by :
Micro Credit Innovations Department (MCID)
National Bank for Agriculture and Rural Development
(NABARD)
Head Office, Mumbai, India
Banks
Rural
Population
So need was
for,
Sustainable
approaches,
Products that
match needs &
capacities ,
reduce
transaction
costs
NABARD Stepped in
In 1992, NABARD pilot project to form and credit link
500 SHGs from 1992-95.
Pilot provided legal framework by RBI and NABARD to
finance informal groups.
Loan
linkage without collaterals and without
ascertaining the purpose.
Banks were to charge interest @12% per annum from
SHGs.
SHGs were given freedom to fix interest rate from
members.
Refinance support to banks by NABARD etc.
During pilot phase, 4750 SHGs credit linked with bank
loan of Rs.60.58 million covering 28 CBs, 60 RRBs and
7 Coop banks.
Mainstreaming of SHGs-BLP
Working
that
Rural poor could save
Not concerned much with cost of credit
Timely and adequate credit was important
Good users and prompt repayers of credits.
SHG-BLP is a cost effective, transparent and flexible approach to
improve the accessibility of credit from the formal banking system to
resource less poor.
Financing
What is it?
Design features
Self selection
Focus on women
Prioritisation of credit
Credit rationing
Group Funds
MEMBERSHIP FEES
THRIFT COLLECTIONS
NGO/GO
CONTRIBUTION
LOAN REPAYMENTS
FINES & PENALTIES
BANK LOANS
7.96 million SHGs covering 103 million rural households (79% women
groups)
Per SHG loan disb Rs.1.44 lakh with Rs.1.80 lakh in South
54% share in credit linked SHGs Southern States have 77% share in Loans
O/S
Jammu &
Kashmir
Himachal Pradesh
Punjab
Heartland of SHG
focus
Haryana
Delhi
Sikkim
Uttar
Pradesh
Rajasthan
Assam
Bihar
Jharkhand
Madhya
Pradesh
Gujarat
Pradesh
Nagaland
Manipur
Meghalaya
West
Bengal
Tripura
Mizoram
Chhattisgarh
Orissa
Maharashtra
Andhra
Pradesh
Goa
Green
Extent of coverage
>90%!
17 states
Red
< 50 % coverage
6 states
Yellow
> 50 70 %
2 states
Brow
n
>70 - 90%
4 states
Karnataka
Kerala
Tamil
Nadu
Jammu &
Kashmir
Himachal Pradesh
Punjab
Uttarakhand
Haryana
Delhi
Sikkim
Uttar
Pradesh
Rajasthan
Madhya
Pradesh
Gujarat
Assam
Bihar
Jharkhand
Pradesh
Nagaland
Manipur
Meghalaya
West Bengal
Tripura
Mizoram
Chhattisgarh
Orissa
Maharashtra
Andhra
Pradesh
Goa
Green
Extent of coverage
>90%
02 states
Red
< 50 % coverage
18 states
Yellow
> 50 70 %
6 states
Brown
>70 - 90 %
3 states
Karnataka
Kerala
Tamil
Nadu
Web
based MIS
Rural volunteer as book writer
Post Office as SHPI and Financial Intermediary
Joint Liability Groups
Action Research for Voluntary Savings
Health Package for SHG members
in southern states
- 46% of total saving linked SHGs and 54% of total credit linked groups
Quality
Whereas
Apathy
NPA in SHGs
National
Income
WSHG Scheme
Thank you
For more details please log in to
www.nabard.org
or
write to us at mcid@nabard.org