Sl. No

Programme

Duration  (Days)

NGOs

1. 1.       

One

1. 2.       

2

1. 3.       

5

Name of the programme

Workshop on SHG bank linkage for medium and small NGOs

Objective

To provide clarity on self help group concept and necessary skills to organise capacity building exercise

Target  Trainee

Medium and small NGOs already involved in SHG related activities

Expected number of participants

25-30

Identification of participants

By   Trainer NGOs, Banks, NABARD, etc

Duration

One day

Organised by

NABARD in association with NGOs/ Trainer NGOs/ banks/Training Establishments

Location

Closer to SHGs

Training methods

1. Lectures
2. Interactions
3. Group Discussions
4. Experience sharing

Broad Contents

SHGs - concepts and evolution, Empowering of rural poor through SHGs

Role of Rural financial institutions in rural development- credit delivery- present problems- characteristics of rural  credit needs - small, frequent, timely, thin distinction between production and consumption, gender sensitive, vulnerable to exploitative rate of interest, forced sale of assets and produce, high transaction cost-

How SHG -linkage programme was introduced ?

What is SHG ? Formation, monitoring and  nurturing of SHGs. Sustainability of  thrift and credit SHGs over other groups, features of good SHGs- homogeneity,  regularity in savings, meetings, democratic character

1. Maintenance of books of accounts.

Group processes

1. Group configuration - grouping norms, membership, leadership
2. Group process- framing rules/bye-laws, conduct of meetings, self governance, group control, conflict resolution
3. Group functions- thrift management, loan management, accounts keeping

Formats of Books of Accounts and Monitoring Reports. Community issues. Training needs assessment of members, imparting training

Linking of SHGs with banks

 RBI/NABARD guidelines on linkage of SHGs. Financing of SHGs by banks, rate of interest, quantum of loans, rating of SHGs/NGOs

Experience sharing

A promoter of SHGs may be invited.

Day

Session

Topic

Methodology

I

1

Formation, nurturing and linkage of self help groups

Lecture

2

Sustainability of SHGs

Lecture and discussion

3

Internal control systems for ensuring quality of groups

Lecture

4

Panel discussion on operational issues(revival of defunct groups, book keeping SGSY etc)

Discussions

Name of the programme

Training Programme for Chief Executive Officers of NGO -SHPI

Objective

To  build up capacities of NGOs to manage promotion and consolidation of SHG Programme.

Target  Trainees

CEOs of NGO SHPI for small and upcoming NGOs [including new entrants] and other interested ones to take up SHGs as a regular or add-on activity

Expected number of participants

15-20

Identification of participants

By   Trainer NGOs, Banks, NABARD, etc

Duration

 Two  days

Organised by

NABARD  in association with  NGOs/ Trainer NGOs/ banks/Training Establishments

Location

To be decided based on strength of physical infrastructure and tie-ups with local NGOs for ground support.

Training methods

1. Lectures
2. Interactions/ interface
3. Group Discussions & case study
4. Role play/games
5. Video, Field visit,
6. Experience sharing
7. Action plan

Broad Contents

Overview of microFinance sector in India- experience of various NGOs/ SHPIs , SHGs - concepts and evolution, Empowering of rural poor through SHGs

1. Role of Rural financial Institutions in rural development- credit delivery- present problems
2. Characteristics of rural  credit needs  - small, frequent, timely, thin distinction between production and consumption, gender sensitive, vulnerable to exploitative rate of interest, forced sale of assets and produce, high transaction cost
3. How SHG -linkage programme was introduced ?
4.  What is SHG ?   Formation, monitoring and  nurturing of SHGs. Sustainability of  thrift and credit SHGs over other groups, features of good SHGs- homogeneity,  regularity in savings, meetings, democratic character of SHGs
5. Maintenance of books of accounts.
6. Sustainability strategies, networking of SHGs

Linking of SHGs

1. Linking of SHGs with banks.
2. RBI/NABARD guidelines on linkage of SHGs.
3. Financing of SHGs by banks, rate of interest, quantum of loans,
4. Rating of SHGs/NGOs. Assessment criteria for credit needs, bank linkage methods

Role of stake holders

1. Role of different partners
2. Rural communication skills , PRA and social mobilisation  techniques , dos and don'ts for promoters. 
3. Mobilisation of resources for microFinance

Stages in Group Development

1. Group configuration - grouping norms, membership, leadership
2. Group process- framing rules/bye-laws, conduct of meetings, self governance, group control, conflict resolution
3. Group functions- thrift management, loan management
4. Accounts keeping, Formats of Books of Accounts and Monitoring Reports
5. Community issues
6. Training needs assessment of members, imparting training . Management of capacity building programmes

Field visit

Exposure to  SHGs and  their training need assessment

Action plan

Preparation of action plan and presentation

Day

Session

Topic

Methodology

I

1

Overview of microFinance sector in India-experience of various NGOs/SHPIs

Lecture

2

SHGs -concepts and evolution, empowering of rural poor through SHGs-Linking of SHGs

Lecture

3

Stages in group development

Lecture

4

Field visit

Field visit

II

1

Reflection of field visit

Group discussion

2

Training need assessment of SHGs

Lecture/ Group discussion

3

Role of NGOs in promoting sustainable groups

Interface

4

Panel discussions on operational issues and action planning

By participants & presentation to a panel

Name of the programme

Training Programme for animators of  NGOs & other volunteers

Objective

To  equip field workers  of NGOs with basic skills to promote, strengthen and consolidate SHG formation.

Target  Trainees

Animators/Coordinators NGOs [ particularly  small and upcoming ones] and other individuals interested to take up SHG promotion

Expected number of participants

25-30

Identification of participants

By   Trainer NGOs, Banks, NABARD, etc

Duration

5 days

Organised by

NABARD in association with NGOs/ Trainer NGOs/ banks/Training Establishments. The programme is to be organised in  local language

Location

To be decided based on strength of physical infrastructure and tie-ups with local NGOs for ground support. [Programme in local areas preferred]

Training methods

1. Lectures
2. Interactions/ interface
3. Group Discussions & case study
4. Role play/games
5. Video, Field visit,
6. Experience sharing
7. Action plan

Broad Contents

Expectations and knowing each other

For knowing the background of the participants

Overview of microFinance sector in India- experience of various NGOs/ SHPIs, SHGs - concepts and evolution, Empowering of rural poor through SHGs

1. Role of Rural financial Institutions in rural development- credit delivery- present problems
2. Characteristics of rural credit needs  - small, frequent, timely, thin distinction between production and consumption, gender sensitive, vulnerable to exploitative rate of interest, forced sale of assets and produce, high transaction cost
3. How SHG -linkage programme was introduced?
4. What is SHG? Sustainability of thrift and credit SHGs over other groups, features of good SHGs-
5.  Homogeneity, regularity in savings, meetings, democratic character
6. Maintenance of books of accounts. Formation, monitoring and nurturing of SHGs.

Sustainability strategies, networking of SHGs

Role and functions of animators/ field workers/ coordinators.

Effective role of field workers in mobilising people into groups and empowering them. Dos and don'ts of field workers- Knowing the village community well before entering into the village- Rural communication skills- Inter personal negotiation skills

Linking of SHGs

Linking of SHGs with banks. RBI/NABARD guidelines on linkage of SHGs. Financing of SHGs by banks, rate of interest, quantum of loans, rating of SHGs/NGOs. Assessment criteria for credit needs, bank linkage methods

Participatory Rural Appraisal

[PRA] Techniques

PRA as a social mobilisation technique- Advantages of participatory appraisal. PRA as a social mobilisation technique- Advantages of participatory appraisal

Stages in Group Development

1. Group configuration - grouping norms, membership, leadership
2. Group process- framing rules/bye-laws, conduct of meetings, self governance, group control, conflict resolution
3. Group functions- thrift management, loan management
4. Accounts keeping, Formats of Books of Accounts and Monitoring Reports, Audit systems
5. Community issues, Training needs assessment of members, imparting training . Management of capacity building programmes

Field visit

Exposure to SHGs and their training need assessment and visit to bank branch for interface.

Bank Linkage Procedures

Assessment of SHGs and linking with banks. Opening of SB a/cs- credit linkage- assessment of credit requirement by SHGs- Documents required for credit. Availing second and subsequent doses of credit- Different models of linkage

Action plan

Preparation of action plan and presentation

Day

Session

Topic

Methodology

I

1

Expectations and knowing each other

2

Overview of microFinance sector in India-experience of various NGOs/SHPIs

Lecture

3&4

SHGs - concepts and evolution, formation & functioning of SHGs

Lecture/ Role play

II

1&2

Stages in Group Development - Savings-need, frequency.

Preparation of agenda for SHG meetings, Maintenance of various books, (Minutes book, Attendance Register, Cash Book etc).

Lecture/ Role play

3&4

Participatory Rural Appraisal (PRA) techniques

Lecture

III

1to 4

Field Visit

Field visit

    IV

1&2

Reflections on field visit

Group discussion & presentation

3&4

How to form an SHG, criteria for selection of SHG members ,  need for SHG meetings, etc.

Lecture

V

1&2

Role and functions of animators/field workers/coordinators in ensuring sustainable groups

Lecture

3&4

Operational issues- panel discussion Action planning

By participants. Presentation to a panel