This document provides information on self-help groups (SHGs) in Rajasthan, India. It discusses: - The structure and requirements of SHGs, which are typically constituted of 10-20 women from similar backgrounds. - The status of SHGs in Rajasthan, with over 250,000 formed but only around 100,000 functional. - The three approaches to forming SHGs - by officials, NGOs, or members themselves - and why the member-led approach is most sustainable. - Issues around training, financing, and marketing for SHG products that need to be addressed, as well as the potential for further expansion and integration across departments.

1. SELF HELP GROUP
An Integrated Framework for SHGs

2.  Constituted of 10 to 20 Members
 Preferably Members should be
from Homogenous Background
 Women SHGs have Greater
Sustainability
 Key to Women Empowerment and
Rural Development (As seen in
Southern India)
SELF HELP GROUPS

3. 5 MAJOR REQUIREMENTS OF SHGS
Saving
Record Keeping
Economic Activities
Meeting
Transaction

4.  Most of the Works are Done by
Women, especially in Rural Area
 Pan India Recognition of Rajasthani
Handicrafts, Dresses and Food Items
 Several Area Specific Products have
lots of Potential
 A good source of Forest Products
 Several Departments and NGOs are
already working with SHGs in Remote
Areas
PERSPECTIVE & PROSPECTIVE IN
RAJASTHAN

5. 3 APPROACHES
By
Officials
WCD
Mostly Non
Functional
By NGO Others
Mostly
Defaulter
By
Members
Raajivika
Self
Sustainable

6. SHG STATUS
 2,53,837 SHGs Formed (Since 1997-98)
 92,845 SHGs Verified to be Functional.
 6,349 SHGs Linked with Market (Since 2014-15)
 1,84,589 Credit Linkage (Since 1997-98)
 Rs 813 Cr Disbursed as Loan (Since 1997-98)

7. SHG STATUS
 40,000 SHGs Formed
 4.55 Lac Households Benefited
 29,337 SHGs availed Revolving
Fund
 17,113 SHGs availed fund of
livelihood (Linked with Market)
 8,658 SHGs Credit Linkage

8.  Financial Scheme was mainly
under SGSY
 SHGs are formed by NGO
 One Time Subsidies were
given Upto 1.15 Lac
 Financial Scheme is mainly
under NRLM
 SHGs are formed by CRP,
which is a member of SHG
 Staggered Subsidies were
given Upto 1.15 Lac
WCD VS NRLM
WCD/SGSY NRLM/RGAVP

9. COMMUNITY RESOURCE
PERSON (CRP) APPROACH
“Programme for the Poor, by the Poor”

10. FEATURES OF CRP APPROACH
 SHG Formation by Community Resource Persons (CRPs)
 CRPs are women SHG members,
 who have come out of poverty
 Should have benefitted socially and economically, through SHG.
 May or may not be literate.
 No involvement of Departmental Staff in formation of SHGs
 Through this approach, Poor come out of poverty in 6-8 years.

11. COMMUNITY INSTITUTIONS
Village Organization
(VO)
(10 – 15 SHGs)
(30-40 VOs)
Cluster level Federations
(CLF)
Self Help Group
(SHG)
(10 – 15 Members)

12. 2014-15
2015-16
2016-17
2017-18
2018-19
2019-20
2020-21
2021-22
Districts 22 25 33 33 33 33 33 33
Blocks 42 92 213 295 295 295 295 295
Villages 2000 4300 9625 17000 31160 44672 44672 44672
Households
(In Lacs)
3 5.21 9.87 17.1 25.1 35.47 45.6 54
SHGs 25000 44000 83000 143000 210000 295000 380000 450000
*Revised Expansion plan was approved in a meeting chaired by Chief Secretary on 23th Dec 2014
EXPANSION(PHASING ) PLAN

13. INTERMEDIARY OUTCOMES
 94% of the members availed loan from SHGs
 70% of loan utilized for their livelihood enhancement
 Average amount of loan availed per member is Rs 24838
 Increase in income per SHG member is Rs 1380 per month
 45% of the SHG members purchased assets from the loan
taken from SHGs
 66% of the SHG members income enhanced .
Study done by Mott McDonald

14. FLAWS
 No Single Window/Common Portal or Platform
 Unorganized Marketing Initiatives
 Field Level Issues are not dealt as per needs
 Follow up discontinuity
 Training, Financing and Marketing mechanism is not handled properly
 Never become a Public Movement or part of Government Campaign

15. FLAWS
 Person Specific Data Integration is not Available
 Members are unnecessarily being duplicated in more than One Group
 No proper Monitoring Mechanism
 Several Groups were made on paper only or to grab Government
Subsidy
WCD
Now WCD is porting its data to Rajivika portal

16. 3 MAJOR BOTTLENECKS
 1/3 of the SHGs don’t get
Finances from Banks
 1/3 of the SHGs don’t know
the proper utilization of Financial
Assistance
 Not more than ¼th of the
SHGs get Market Links

17. THE FIELD LEVEL PROBLEMS
I don’t
know
What’s
SHG
How to
form
SHG
How to get
Loan
Where to
get
Training
Where to
sell
Products
Why
should I
form
SHG
Before Formation After Formation

18. TRAINING PLATFORM
 By Department officials
 By Empanelled Institutes
• R-SETI
• FDDI
• CESBM
• NIFT
• ATDC
 By National Rural Livelihoods
Mission (NRLM)
 By RSLDC (Not Used)

19. FINANCING PLATFORM
 Financing Departments/Institutions-
• NABARD
• NRLM(RGAVP)
• WCD
• TAD
• Other Departments
• NGOs/Corporate Sector
 Suggestions-
• Opening Group Accounts to channelize the Savings
• Easy Micro financing by Banks for Economic Activities
• Providing Proper Marketing Platform for Income
Generation

20. MARKETING PLATFORM
 GoI initiated Mahila e-Haat
 GoR-
• A Specific Society named Amrita was formed in
2008 to provide Market Linkages to SHGs
• It Organises 2 Fairs named National Amrita
Haat Every Year at Jaipur
• Fairs at Division Level From 2015-16
 Suggestion-
• Re-Organising and Strengthening of Society
• A Revolving Fund could be given
• May be Authorized to recommend for Start Up
Benefits
• May Set Up Quality Check Cell

21. 1. Organizing Amrita Haat (fairs)
for SHGs at Divisional and District
level.
2. Ensuring participation of SHGs
in the fairs of various departments
3.Getting permanent counters for
SHGs in the market places.
1. Establishing Permanent Marketing
Center at Division Level for SHG
products through Amrita Society
2. Online marketing of SHG
products through Amrita Society.
PLAN OF ESTABLISHING
MAHILA SAMRIDHI BAZAR
Short Term Medium Term
Envisaged by WCD in 2 Stages.

22. MARKETING STRATEGY
Packaging
Branding
Setting Quality Standard
Mutual Coordination
Sharing Success Stories
Providing Marketing Platforms
(Needs to be fulfilled)

23. POTENTIAL
 Bhamashah is already providing financial inclusion tool for all
 Jan Dhan Yojna and eMitra BC model is ready for integration with
Banking Facilities
 MGNREGA has huge potential in SHG convergence
 Co-operative Societies/Shops could be utilized for augmentation
 Various Departments have already constituted and recognized
SHGs

24. STRATEGY
 All SHG Related Activities be Integrated across the Departments
 A Nodal Department for all SHG related activities and coordination
 Simplification of Process and Formats
 Training of selected members from SHG by RSLDC
 Identification of Valuable Economic Activities
 A Campaign cum Awareness Program for SHG Formation/Augmentation
 Requirement Based Schemes, if Necessary after Initiation
Administrative

25. Individual Identity Family Identity
 A Common Portal could be made
mandatory for all SHG related activities
• RGAVP (Sakh Darpan), Raj Poshan,
Amrita and Mahila e-Haat could be
Integrated
 Unique Code for Each Group and its
Member Integrated with Bhamashah/Aaadhar
 Automated Process Driven
Evaluation/Monitoring
 A Simple App for Group Members,
Facilitators and Government Officials
 Regular Meetings, Savings, Loaning and
Other Proceeding must be Online
STRATEGY
IT Related

26. MARKETING STRATEGY
 Cataloging of Products such as
• Food/Edible Items
• Natural/ Herbal Medicines
• Cosmetics
• Decorative Items/Handicraft/Furniture
• Garments
• Animal Husbandry/Dairy
 Grading, Marking and Rating Mechanism be promoted for Quality Control
 Training and Skill Upgradation through RSLDC, ITIs, other partners
 Gramin Haats could be handed over to WCDs Amrita Society
 E-Commerce Websites (Alibaba, Amazon, Flipkart etc) could be Used
 PDS/Annapurna Bhandar / Cooperative Stores could be utilized
 A Revolving Fund for Amrita Society

27. Government of Rajasthan
Online Applications
Specific Schemes
Training
Financing
Reporting
Facilitators
Initiatives
Formats
Products
Grievances
All SHG related works at
One Click
Enter
Marketing
Evaluation
Helpline
About Us Weblinks Contacts Partners Search
e-

28.  WCD/ICDS
 RD(NRLM)
 RD(NREGA)
 RSLDC
 Food & Civil Supply
 Co-operative
 Agriculture & AH
 Forest
INTEGRATION &
COORDINATION NEEDED
Departments in 1st Phase Departments in 2nd Phase

29. SIMPLIFICATION OF PROCESS
 Records should be Simple
and Minimum
 Currently 8 Registers are
required to Maintain by SHG
 Almost all could be clubbed
in one Diary of 12 Pages

30.  Common Portal & App
 Data Entry
 Verification
 New Creation
 Training Need Identification
 Economic Activity Identification
 Evaluation
 Assistance
 3-6 Months
 2 Months
 1 Month
 1 Month
 1 Month
 1 Month
 1 Month
 Regular
TIMELINE
Required Action Time frame
Several
Activities can
go
Simultaneously

31. ADVANTAGE
Use of Skill and channelizing the Savings of
Vulnerable Sections
Will help in compliance of
Suraj Sankalp Commitment
(15 Lac Employment
Opportunities)
Financial Assistance /
Livelihood Creation for
most marginalized
families(About 2 lac
families)
Empowerment of more than
20 Lac Women

32. OTHER ADVANTAGES
 Does not need any Extra Budget Right Now
 Several Corporate firms may assist in CSR
 SHGs Can Play Better Roles in-
• FPS/PDS
• MDM
• NREGA Nursery
 Strengthen other areas of concern for Women-
• Health
• Education
• Empowerment

33. Exponential Expansion
Creating
a Women's SHG,
isn't only a formation of
A group of individuals,
But
Formation of a New Society
Because
“You educate a man;
You educate an individual,
You educate a woman;
you educate a Family,
And
A Generation.”
From one to many

34. संगच्छध्वं, संवदध्वं, सं वो मनांसस जानताम्.
THANKS