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Self Help group (SHG) for bank interview


Self Help Group (SHG) is a group of 12 to 20 women of the same socio-economic background who come forward voluntarily to work together for their own upliftment.The unique feature of the SHG is its ability to inculcate among its members sound habits of thrift, savings and banking
Regular savings, periodic meetings, compulsory attendance, and systematic training are the salient features of the SHG concept. Each group selects one animator and two representatives from among themselves. The animator is responsible for providing leadership to the group and to maintain the various registers. The representatives assist the animator and maintain the bank accounts of the group.
  • Self Help Groups consist of 12-20 BPL women members in the age group 18-60 years residing in the same area.
  • NGOs and PLFs affiliated with TNCDW undertake the formation of SHGs.
  • They are trained to become cohesive as a group through regular meetings and encouraged to cultivate savings habit.
  • Capacity Building Programmes such as SHG and A & R training are imparted to the Group members and within a period of six months.
  • After a period of 6 months, SHGs are rated for Credit Linkage by a Committee consisting of Bankers, APOs, NGOs, Block level officer and PLF Representative.
  • For the eligible Credit rated SHGS, credit facilities are largely made available through Banks, both for revolving fund and economic activity.
  • Other sources of funding for Credit linkage are SGSY, TAHDCO, NABARD & SJSRY
  • Under various Skill Training Programmes, eligible SHG members are encouraged to start economic activities or undertake self employment.
  • Efforts are made by TNCDW for marketing the products produced by SHGs wherever possible locally and for sale in exhibitions.
In order to enable all poor women living below poverty line to join and benefit from the Self Help Group movement, the group formation is undertaken with special focus on NREGS women workers, urban slum dwellers and in Village Panchayats where SHG coverage is still inadequate. Hence, Tamil Nadu will have the distinction of enrolling all women living below the poverty line into SHG movement.

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