18
3.
What is the extent of voluntary savings in the group with members involved in
livelihood activity? Are voluntary savings purpose oriented and linked to
lifecycle needs? (Chapter-8)
4.
Do savings remain a symbolic element rather than its use as a true saving tool
for poor household? Does the amount of savings, which the SHG decided at
its formative stage, continues to be enforced, oblivious of the increased
savings potential of the members with increased incomes, post credit linkages
with banks. (Chapter-9)
5.
What constraints this forward momentum, do some member's open individual
accounts independent of the SHG savings accounts? What are the other
avenues, which SHG members resort to for parking their savings / surpluses?
(Chapter10)
6.
What is the extent of voluntary savings done by members beyond the
mandated savings of groups? (Chapter 11)
7.
How do the group members manage voluntary savings within the group –
differential rates of interest, part of SHG corpus, withdrawals on demand or
otherwise, complexities in accounting etc? (Chapter 12)
8.
Does this impact group dynamics? What is the effect of voluntary savings on
lending, bank linkages etc? (Chapter 7)
9.
Does the role of voluntary savings form a potential for innovations for
expanding the scope of SHGs? (Chapter 14)
