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Social mobilization and building strong institutions of the poor is critical for unleashing the innate capabilities of the poor. Strong institutions of the poor such as SHGs and their village level and higher level federations are necessary to provide Space, Voice and Resources for the poor and for reducing their dependence on external agencies The institutions of the poor will empower them and also act as instruments of knowledge and technology dissemination, and hubs of production, collectivization and commerce.
Why Institution Building Social mobilization and building strong institutions of the poor is critical for unleashing the innate capabilities of the poor Strong institutions of the poor such as SHGs and their village level and higher level federations are necessary to provide Space, Voice and Resources for the poor and for reducing their dependence on external agencies The institutions of the poor will empower them and also act as instruments of knowledge and technology dissemination, and hubs of production, collectivization and commerce PROPOSED INSTITUTIONAL STRUCTURE UNDER NRLM SHGVLF SHG Members SHGs) 10-15 ((10 -20 Members 10-20 SHGs 10-15 SHGs) CLF SELF HELP GROUP SELP HELP GROUP Self Help group is an informal association of women from poor households It is an organization in which members with similar socio-economic conditions come together around a common interest The size of the SHG normally 10-15 members only Self help and mutual help are the core principles SHG provides equal opportunities to all members Meetings,Savings,internal lending & Book keeping are the key elements for the group development SHG - PANCHASUTRAS Regular weekly meetings the weekly meeting savings in weekly meetings Book Keeping Repayments in internal lending SHG Management & Norms After formation of the SHG the members should conduct their group meeting and they have to finalize Management & Financial Norms The members will decide and give a name to their SHG The SHG will decide the Meeting Day, Place & Time for their scheduled meetings The SHG should conduct weekly meetings and they have to sit in a round manner to ensure active participation of all members The SHG members shall select 2-3 leaders to look after their bank transactions Continue… The SHG shall designate one of the members by rotation to preside over the regular weekly meetings The SHG shall maintain relevant Books of Accounts The SHG shall identify a book keeper preferably from the same SHG members or their families,to write their records in their scheduled meetings The payment shall be paid by SHG The SHG members will finalize the norms for imposing fines on absentees, late comers and defaulters etc., SHG Management & Norms The Members of the SHG shall decide their savings amount to be contributed by the members to the SHG based on the ability of the poorest women in the SHG The SHG shall open a Bank account on the name of the SHG The group shall give loans to the members on the basis of priority like., poverty, activity, seasonality The SHG shall maintain transparency among the members like taking decisions, sanction of loans, writing records in the meetings The SHG should decide the minimum balance to be maintained with the group to meet the emergency needs of the members Continue…… BENEFITS FOR PROMOTING FED • • • • • Reduce cost of promoting new SHGs Reduce transaction costs Provides value added services Reduce default rates at all levels Empowerment of the poor by developing local human capital NEED OF FEDERATIONS • • • • • Scaling up level of activities Withdrawal strategy Issue based Collective bargaining power Principle of subsidiary SHG FEDERATIONS-GUIDING PRINCIPLES • Women create SHGs & SHGs create federations • Services must benefit a large number of member SHGs • Fed for SHGs and not SHGs for federation • Service provision at the appropriate level – lowest level • Survival dependent on member SHGs using the services • Maximum number of SHGs in a federation from a small area • Active & responsible SHGs have right to make decisions & vote VO STRUCTURE Federation Structure VO structure VO shall be formed in village/habitation consisting of minimum 10-20 SHGs VO General Body: All SHG members shall be the VO General body Members and VO shall conduct its GB meeting Bimonthly/half yearly VO Executive Committee: Each SHG Leader become the VO EC Members VO EC meeting shall be conducted every month VO Office Bearers: VO OB shall be elected by the SHG representatives for the period of years What is Village Organization VO is a primary level federation where all SHGs members are its members at village level It is a village level organization in which SHGs representatives attend and conduct monthly meetings it is a village level forum of the poor where all members participate directly and address such issues which can’t be solved in their own SHGs It acts as an intermediary organization between SHGs and CLF to bring village level issues of the poor to cluster level forum and assists the members in seeking solutions Continue…… Cluster Level Federation CLF shall be a secondary level federation formed in a cluster level All the VLFs of the cluster shall be the members of the CLF CLF should have the GB,EC,OB like VLF CLF should play the role of the social and financial intermediary CLF should be registered under MACS ACT Cluster Level Federation Office Bearers Major interventions by SERP (AP) through Federations Formation of SHGs Gendor - Equality Financial Inclusion Marketing & Non Farm Streenidhi Bank POP Strategy Social Security Dairy Jobs Education Disability Health & Nutrition Sustainable Agriculture Land Interest Subsidy Sector development services Lobbying/advocating Strategy/-planning Information/-data-flow Sector norms and rules, monitor awareness Promoting update of internal structures, procedures Advisory/ training services Hiring professional external services Organize/manage SOC (monitoring, audit, grading, stabilization, rehabilitation, sanctioning) Problem solving Financial services Credits (or loans) Savings, deposits Bank linkages Mobilizing external financing resources Access to state-supported finance programs Insurance Pension Housing loans Hire purchase (Payment transactions, card and remittance services) Livelihood Services Input-supply services Processing and value addition Marketing services Business plan development Promotion of entrepreneurship Livelihood opportunities Cattle management Bulk purchase of required material Social Services Domestic Violence Child Marriages Gender Discrimination Child Labor program Social Discrimination Rights and Entitlements Drinking water Health initiatives Family counseling centers Anti liquor campaigns NIRD,Hyderabad