Mapping of Shgs in Bihar
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MMAAPPPPIINNGG OOFF SSEELLFF HHEELLPP GGOOUUPPSS IINN BBIIHHAARR Study conducted by APMAS December 2011 APMAS Plot No. 20, Rao & Raju Colony Road No.2, Banjara Hills Hyderabad- 500 034 2 ACKNOWLEDGEMENTS We are highly indebted to all the Self Help Group Members and leaders of Self Help Group Promoting Institutions / NGOs (SHPI) who have spared their valuable time, extended cooperation in visiting SHGs and shared their experiences with us. They are the purpose of our study and they are the real champions of this movement. At the outset, we are thankful to Ms. Geeta Verma, who initiated this study and provided a great opportunity to APMAS to conduct this study, which has been a great learning for us. She also gave us an understanding of the origin of SHG movement and guided the study all through. Our sincere thanks to Ms. Madhuri, for her valuable inputs in the preparation of study design, finalization of data collection tools and cooperation provided in conducting fieldwork in all the study areas. We are thankful to our APMAS Chairman, Mr. K. Madhava Rao, IAS (Retd.) who has given encouragement in bringing out this report. We are extremely grateful to our CEO, Mr. C.S. Reddy, who has been deeply involved and added value to the study with his rich experience at all stages, since formulation of the research design to finalization of the study report. We are highly thankful to all the DDCs, Project Directors of DRDA, Lead Bank District Managers, DDMs of NABARD, District Project Managers of BRLPS, WDC and Mahila Samakhya who gave us individual interviews in spite of their busy schedule, and in providing secondary data relating to SHGs and federations. I am highly thankful to all the study team members, Mr. Murali Jajuna, Regional Manager, APMAS-Bihar; Mr. N. Naveen Kumar, Quality Assessment Manager; Ms. Silpa Chauhan, Capacity Building Officer for their support at all stages. We are grateful to our colleagues Dr. Prahalladaiah, Research & Advocacy Manager; Mr. Masthan Valli, IT Specialist and Ms. Kanchan, Data Analyst who helped in compilation of secondary data, data analysis, preparing maps etc. We are highly thankful to the Research Associates Mr. Rakesh Kumar, Mr. Vijay Kumar, Mr. Shambhu Sharan Tiwari, and Ms. Indira Kumari who have played a crucial role in fieldwork for collecting primary data and conducting group discussions with SHGs and personal interviews with the heads of Self Help Group Promoting Insititutions or NGOs. Hyderabad K. Raja Reddy December, 2011 Director- R & A 3 4 CONTENTS S. No. Particulars Page No. Acknowledgements List of tables Acronyms Executive Summary ………………………………………... 11-22 1. Introduction …………………………………………………. 23-30 2. Evolution of SHG Movement in Bihar …………………… 31-46 Profile of Bihar Growth of SHG Movement in Bihar 3. The Government and the SHG Movement …………… 47-70 Rural Development Department Bihar Rural Livelihoods Promotion Society Women Development Corporation Bihar Mahila Samakhya Mahila Samakhya Rashtriya Mahila Kosh Indira Mahila Yojana Poorest Area Civil Society (PACS) 4. NABARD and Other Financial Institutions ……………… 71-82 Status of Banks in Bihar Role of NABARD Microfinance Institutions 5. Quality of Self Help Groups ………………………………. 83-104 Quality of groups Dynamics at various levels SHGs and Social Activities and Development Prog. Voices of SHG members 6. SHG Federations ……………………………………………. 105-116 Federations and Promoters Federation Structures in Bihar Issues and Challenges 7. Non-Government Organizations ………………………... 117-128 Profile of NGOs Engagement in SHG promotion Social Agenda and NGOs SWOT of NGOs 8. The Way Forward …………………………………………… 129-134 References ………………………………………………….. 135-136 Appendices …………………………………………………. 137-178 5 6 LIST OF TABLES S. No. Title Page No. 1.1 Sampling Units …………………………………………………. 24 1.2 Sampling Units, Data Collection Tools and Variables 25 Covered ……………………………………………….………… 2.1 Profile of Bihar ………………………………………………….. 27 2.2 BPL & APL Households in SWASTH Programme Districts … 28 2.3 Milestones in the Evolution of SHG Movement in Bihar … 30 2.4 Category-wise SHG Promoters in Bihar ……………………. 31 2.5 Status of SHGs in Bihar ………………………………………… 31 2.6 Division-wise Details of SHGs in Bihar ………………………. 33 2.7 District-wise Density of SHGs in Bihar ………………………. 34 2.8 Distribution of SHGs in SWASTH Programme Districts ……. 34 2.9 Vision for Micro Finance in Bihar – Projections for 2013 … 41 3.1 Financial Achievements Under SGSY ……………………… 45 3.2 Performance of Banks Under SGSY Programme in Bihar .. 46 3.3 District-wise No. of SHGs and Defunct SHGs in Bihar …… 47 3.4 District-wise No. of SHGs Passed Grade 1 and 2 …………. 48 3.5 District-wise No. of SHGs Taken Up Economic Activity ….. 49 3.6 No. of Defunct SHGs in SWASTH Programme Districts … 51 3.7 Promoter-wise Percentage of Defunct SHGs …………….. 51 3.8 Progress of BRLPS in Bihar …………………………….………. 55 3.9 Programme-wise No. of SHGs Promoted by WDC ……… 59 3.10 Details of SHGs and Federations Promoted by BMS ……. 60 4.1 Type and No. of Bank Branches in Bihar …………………... 66 4.2 Bank-wise Districts Allocated Under Lead Districts 67 Strategy in Bihar ………………………………………………… 4.3 Year Wise CD ratio in Bihar from 2004-05 to 2011 ………. 68 4.4 Credit Linkage Status of SHGs in Bihar …………………….. 68 4.5 Status of NABARD Projects as on March 2010 ……………. 70 4.6 Overall Progress of SHG Bank Linkages In India and Bihar 71 4.7 NABARD Promoted SHPIs in Bihar …………………………… 72 4.8 SHG-BL Grant Support to Regional Rural Banks ………..… 72 4.9 Details of Microfinance Institutions Operations in Bihar … 75 5.1 Meeting Agenda of SHG During the Last Six Months ….... 80 5.2 Details of Lending Norms of SHGs …………………………... 82 5.3 Purpose wise amount of Loan and Its Utilization ………… 84 5.4 Services SHPIs to SHGs …………………………..……………. 87 5.5 Opinion of SHGs on the Changes at Various Levels …... 89 5.6 Opinion on Household Members’ Cooperation to SHG 91 Members ………………………………………………………… 5.7 Opinion of SHG Members on the Role in HH Decisions … 92 Continured… 7 S. No. Title Page No. 5.8 Details of SHGs Participation in Social and Development 95 Activities ………………………………………. 6.1 Region Wise SHG Federations in India …………………….. 100 6.2 Promoter Wise SHG Federations in Bihar ………………….. 101 6.3 District & Promoter-wise SHG Federation in Bihar ……….. 101 6.4 Structure and Functioning of SHG, VO and BLF …………. 104 7.1 Core Working Areas of Sample NGOs …………………….. 112 7.2 Details of NGOs Operational Area and SHGs Formed … 113 7.3 Details of Trainings Organized by the NGOs …………… 115 LIST OF MAPS and GRAPHS S. No. Title Page No. A Maps 1 Map Showing the Study Districts in Bihar ………………… 23 2 Distrct-wise Distribution of SHGs …………………………… 32 3 District-wise Number of NGO-SHPIs in Bihar……………… 35 District-wise Number of SHGs Promoted by RDD under 4 44 SGSY Programme ……………………………………………. 5 Presence of BRLPS in Bihar ………………………………….. 56 B. Graphs/ Figures 1 Framework for BRLPS Project Interventions ………………. 53 2 Socio-economic profile of SHG Members ……………….. 78 3 Structure of SHG Federations Promoted by BRLPS ……... 103 4 Structure of SHG Federations Promoted by WDC ……… 106 5 Grading of SHGs and SHG-Bank Linkage Programme ... 114 8 LIST OF ACRONYMS ACA : Additional Central Assistance Project AP : Andhra Pradesh APL : Above Poverty Line APMAS : Mahila Abhivrudhi Society, Andhra Pradesh ASSEFA : Association for Sarva Seva Farms BC : Backward Classes BLF : Block Level Federation BMS : Bihar Mahila Samakhya BPL : Below Poverty Line BRLPS : Bihar Rural Livelihoods Promotion Society BWDS : Bihar Water Development Society CBNA : Capacity Building Needs Assessment CBO : Community Based Organization CIF : Community Investment Fund DDC : Deputy Development Commissioner DDM : District Development Manager DFID : Department for International Development DoHFW : Department for Health and Family Welfare DRDA : District Rural Development Agency DSW : Department of Social Welfare DWCRA : Development of Women and Children in Rural Areas FGD : Focus Group Discussion GIZ : Deutsche Gesellschaft für Internationale Zusammenarbeit GoB : GovernmentGerman Cooperative of Bihar Technical Agency GoI : Government of India GP : Gram Panchayat GVP : Gram Vikas Parishad HH : Household ICF : Initial Capital Fund IFAD ; International Fund for Agriculture Development IGA : Income Generation Activity IKP : Indira Kranthi Patham IMY : Indira Mahila Yojana IRA : Indian Rural Association IRV : Individual Rural Volunteers LDM :I Lead District Bank Manager LPG : Liquefied Petroleum Gas MAM : Mahila Adhikar Morcha MCID : Micro Credit Intervention Department MDGs : Millennium Development Goals MFI : Microfinance Institution MGNREGS : Mahatma Gandhi National Rural Employm ent Guarantee Scheme 9 Min : Minorities MNSY : Mukhyamantri Nari Shakthi Yojana MS : Mahila Samakhya MYRADA : Mysore Resettlement and Development Agency N : Number NA : Not available NABARD : National Bank for Agriculture and Rural Development NBFC : Non-banking Financial Corporation NGO : Non-Government Organization NPA : Non Performing Assets NRLM : National Rural Livelihood Management OAP : Old Age Pension OC : Open Category PACS : Poorest Area Civil Society PAR : Portfolio at Risk PDS : Public Distribution System PHED : Public Health Engineering Department PLF : Primary Level Federation RC : Resource Centre RCM : Resource Centre Manager RDD : Rural Development Department RF : Revolving Fund RMG : Rythu Mithra Group/ SHGs with Farmers RMK : Rashtriya Mahila Kosh RR : Repayment Rate SAPAP : South Asian Poverty Alleviation Programme SBI : State Bank of India SC : Scheduled Caste SERP