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Explain self help group |
| Answer» Self Help Groups (SHGs) are small groups of poor people. The members of an SHG face similar problems. They help each other, to solve their problems. SHGs promote small savings among their members. The savings are kept with the bank. This is the common fund in the name of the SHG. The SHG gives small loans to its members from its common fund.A reasonably educated and helpful local person has to initially help the poor people to form groups. He or She tells them about the benefits of thrift and the advantages of forming groups. This person is called an ‘animator’ or ‘facilitator’. Usually, the animator is a person who is already known to the community.Any of the following persons can be a successful animator:Retired school teacher or a retired government servant, who is well known locally.A health worker/a field officer/staff of a development agency or department of the State Government.Field officer or a staff member of a commercial bank/regional rural bank or a field staff from the local co-operative bank or societyA field level functionary of an NGO.An unemployed educated local person, having an inclination to help others.A member/participant in the Vikas Volunteer Vahini (VVV) Programme of NABARD.Woman animators can play more effective role in organising women SHGs. The animator cannot organise the groups all alone. He or she will need guidance, training, reading material, etc. Usually, one of the following agencies help:A voluntary agency or Non Governmental Organization (NGO).The development department of the State Government.The local branch of a bank. | |