TRAINING MODULE OF SHG FORMATION AND STRENGTHENING

Loading...

Taking too long?

Reload document

| Open in new tab

DlC,F lS;FG ;XlSTSZ6 SFI”S|D

sV[DPS[PV[;P5LPf

HL<,F U|FlD6 lJSF; V[Hg;L4 NFCMN TRAINING MODULE OF SHG FORMATION AND STRENGTHENING N. M. SADGURU WATER AND DEVELOPMENT Submitted by: FOUNDATION POST BOX NO. 71, DAHOD - 389 151, GUJARAT EMAIL: nmsadguru @yahoo.com Training Module : 1 Training Module 1: Exposure Visit - To demonstrate discipline in SHG, role of SHG in improving life and livelihood and role of an Apex institution Background on the training: Target women beneficiaries (who are yet to form a SHG) are taken to an existing SHG with sound financial and social interventions which is linked to a federation. This is an introductory activity to restart/activate, inactive SHGs. Number of days: One day around 4 Hours. Objective: - To acquaint the members of the SHG to functioning of an SHG and developing a vision around building a institution/ federation - To emphasize on the benefits of an SHG - To make the participants enthusiastic on the forming a SHG Day 1 Topic/ Subject (with time) Points to be discussed Methodology & Tools Expected Outcome Introduction by the promoting organization on the SHG and SHG members 1. Norms of the Day 2. Name of the SHG 3. Number of members 4. Name of the host SHG members and Participants 5. When it was started Presentation/ discussion by the Staff of Promoting Organization and Utthan ( 40 Minutes) and why? 6. What have been the interventions done till date? 7. What is the member profile? The members are introduced to the SHG and know that the members are of a similar background to them. They also know the interventions done by the SHG to discuss each of them in detail. Discussion on saving and loan and Financial status / systems of the SHG (1 Hr) 1. The savings per member, savings per year and related systems. 2. The number of loans taken by each member, the purpose of the loans, On time interest and principal repayment is stressed upon along with related systems. The Staff of the promoting Organization facilitates the members to talk to the participants. The Leaders of the host SHG share the points to the participants The participants understand the importance of leaders and their roles. Sharing by leaders of the host SHG Discussion on Role of leaders and SHG intervention in Livelihood plus rights based activities (40 minutes) 1. Number of leaders are mentioned 2. Their role and responsibilities are shared along with few cases where the SHG has played an important role in the life of its members and the village development Discussion on the SHG relationship with Federation and Government departments (40 minutes) 1. The leaders mention the detail about the federation, its role and operational details 2. The Leaders also share on the details on the Govt. organizations linked with and details of linkage The members understand the importance of SHG as a saving credit platform and also understand the related systems and its importance. A good SHG is also a SHG having more loans used for livelihood activities. Also participants understand importance of adhering to on time repayment. Along with they are able to understand the role of SHG in livelihood and rights based activities The participants understand the importance of federation and its relation to the SHG. Along with they are able to understand the role of SHG in linking to Government Departments for livelihood and rights based activities Question Answer session Questions and answers on the overall day is made (20 minutes) Summarizing the sharing in the Day + Action plan (30 minutes) Summary of the overall day is done by the participants visiting the SHG The Staff from Utthan facilitates the participants to ask questions Any confusion in the minds of the participants is clarified The staff from Utthan facilitates and notes down the action plan and gets it signed by the participants The Summary helps the participants to recollect the sharing and make a better action plan. The action plan is a concrete outcome which can be followed up. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Training Module : 2 Training Module 2: Training to SHG members on objectives of SHG, Cluster and Federation Background on the training: Target women beneficiaries (who have started an SHG) acquainted with the objectives and systems at SHG, cluster and federation. This training is done at the Village. Number of days: One day around 3 Hours Objective: - As a follow up to training 1, to reinforce the lessons learnt from the exposure visit and to align them to existing context of VMSS - To orient the SHG members towards systems at SHG, cluster and Federation - To make the SHG members aware on the reasons for the operational systems Day 1 Topic/ Subject Points to be discussed Methodology & SHG formation Objectives Would SHG be necessary and Why? (15 minutes) What are the Objectives of VMSS promoted SHGs Tools Facilitated discussion by Cluster coordinator of the federation Expected Outcome The SHG members are aware on deliverables of SHG. Hence they would be able to rationalize expectations that it is not Grant sourcing platform but an organization for Livelihood and rights based activities The SHG members are aware on functions of the clusters What is a Cluster and why is it needed? (20 minutes) Introducing the meaning of cluster and its importance in SHG and member development Facilitated discussion by Cluster coordinator of the federation What is a federation and why is it needed? Introducing the meaning of Federation and its importance in SHG and member development Facilitated discussion by Cluster coordinator of the federation The SHG members are aware on functions of the Federation Communicating the responsibilities of the SHG and SHG member Point wise presentation by the Cluster Coordinator The SHG member is aware of all norms, at the SHG. She also understands all fees to be paid at cluster and federation. Along with the SHG member understand the roles of leaders at SHG, Cluster and Federation Communicating the name of the Village Organizer and acquainting roles of the VO Point wise presentation by the Cluster Coordinator The SHG member is aware on the role of the VO. Question Answer session Questions and answers on the overall day is made The Staff from Utthan facilitates the participants to ask questions Any confusion in the minds of the participants is clarified Summary of the overall day is done by the participants visiting the SHG The staff from Utthan facilitates and notes down the action plan and gets it signed by the participants in the minute book The documented summary of the day and the action plan can be used for strengthening systems by referring back to them whenever required. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ (20 minutes) Responsibilities of the member toward the SHG, Cluster and federation (40 minutes) Formal introduction of the Village Organizer (VO) and his/her roles (10 minutes) (20 minutes) Summarizing the sharing in the Day + Action plan ahead (30 minutes) Training Module : 3 Training Module 3: Financial Literacy training to women members of SHG Background on the training: Target women beneficiaries (who have started an SHG) are sensitized towards higher savings and utilization of SHG corpus to create livelihood options. This training is done at the Village. Number of days: One day around 3 Hours Objective: - To make Households realize importance for higher savings - To make households realize importance of greater rotation of SHG funds as internal - loans To make the households realize the importance of life insurance and bank linkage program - To develop an action plan for household savings, livelihood options, insurance and amount of Bank loan needed by SHG. Points to be discussed Methodology & Tools Expected Outcome How do they manage money in their lives? The women are facilitated to enumerate the ways in which they manage money in their lives Facilitated discussion by the Cluster coordinator and the Village organizer Knowing the present context of financial management at the household level Knowing the present context of financial management at the household level Helping the household understand their life cycle requirements Facilitated discussion by the Cluster coordinator and the Village organizer Facilitated discussion by the Cluster coordinator and the Village organizer An analysis of strengths and threats of each of the above mentioned options. Also knowing quantum of savings Taking an example of 2- 3 women make a list of money needed for - Long term cash needs - Periodic cash needs - Daily cash needs Day 1 Topic/ Subject (1 Hr) Do these Still work better? (20 minutes) How much would they need if they were to meet life cycle needs? (20 minutes) Identifying the Gap (10 minutes) Action plan (1 hr) At the current level of household income and saving -what would be the deficit towards the life cycle needs? Asking the participants on ‘How they wish to bridge the Gap’ Emphasizing on using their current income for more savings, and using loans for income generation purpose and rotating loan Facilitated discussion by the Cluster coordinator and the Village organizer Making the household understand the gap in meeting their life cycle requirements Facilitated discussion by the Cluster coordinator and the Village organizer Making a action plan for increased savings per member. Making action plans for cases wherein a suitable measure for loan utilization and/ or rotation is needed in a SHG. A first draft of Livelihood action plan for 3 years is made per household Introducing to other life insurance plans ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++