The Self-Help Group (SHG) movement which was originated in Bangladesh under the Leadership of Noble Laureate Prof. Mohamed Yunus is a noble mission- an innovative concept that has its roots in Bangladesh and has also touched every part of the globe. In order to achieve this mission in India, experiments were taken up in the late 1970s and 80-s, SHG-Bank linkage program has been adopted as a poverty alleviation tool in the country by NABARD in 1992. The Self Help Groups (SHGs) is the dominant microfinance methodology in India. In this case the members of Self Help Group, pool their small savings regularly at a prefixed amount on daily or weekly basis and SHGs provide loan to members for a period fixed. SHGs are essentially formal and voluntary …show more content…
Bank credit facility also available to the group to augment its resources for the purpose of lending to its members. The SHG-bank linkage program has proved to be the major supplementary credit delivery system with a wide acceptance by banks, NGOs and various government departments. There are three models of SHG-bank linkages that have evolved over time, especially in India.
3.1 Model -I. SHGs formed and financed by banks:
In this model, banks themselves take up the work of forming and nurturing the groups, opening their bank accounts and providing them with bank loans after satisfying themselves as to their maturity to absorb credit. The banks at every step have provided funds and kept the funds available reflecting an increased role of banks in promoting and nurturing SHGs.
3.2 Model- II. SHGs formed by NGOs and formal organisations but directly financed by the
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In such cases, the NGOs act as both facilitators and microfinance intermediaries. First, they promote the groups, nurture and train them and then they approach banks for bulk loans for further lending to SHGs. In other words, banks take the sole responsibility for promoting, developing and financing SHGs. In fact, this programme requires considerable effort by the bank staff towards the formation of SHG. This model is not so encouraging.
4. Process and progress of SHG- bank Linkage Model:
From the table below, it can be seen that, during 2014-15 about 2.68 lakh new SHGs were added in the domain of SHG to take the number of SHGs savings linked with formal financial institutions to 76.97 lakh as on 31.3.2015. After a dip in the number of SHGs in 2012-13, the SHG BLP has taken strength not only with net additions to the number of SHGs but also with enhanced savings and credit linkage of SHGs in the subsequent years. There was an increase of 3.59% in the number of savings linked SHGs over the previous year. As many as 16.26 lakh SHGs were disbursed with fresh loans during the year - a 19% increase over 13.66 lakh SHGs getting fresh loans during 2013-14. The quantum of fresh loans issued by banks also rose by nearly 16% during the year. Number of SHGs with credit outstanding with banks has shown a rise of 6%, from 41.97 lakh in 2013-14 to 44.68 lakh, against
Ms. Kathleen Ransom completed an anger management intake with Journey Counseling. Journey Counseling is a certified agency to provide anger management, domestic violence, and drug and alcohol treatment. Furthermore, I am a Colorado certified addictions counselor, senior level, and hold a Masters in social work. I am also a state approved domestic violence treatment provider.
In Chapter 11, microfinance is discussed, it is empowering women, in areas struck by poverty. Microfinance is allowing women to borrow lesser amounts of money and by paying it back bi-weekly it is keeping them coming back and when they pay off their first loan they are allowed to borrow more, larger loans. Women are taking back the power. As we see in Saima’s story below, her husband no longer beats her and she calls the shots and now her husband works for her.
Who are the current primary clients that uses your services Demography (average) Age Common health issues that requires home care services. Full Medical Service In percentage (estimate) Physical Therapy Service
The interest rate seems very high annually, as high as 400%. The reason for the high interest rate is because the loans are short term, so they normally
Ms. Sweat is not employed at this time. She receives Food Stamps in the amount of $771.00 per month and Temporary Assistance to Needy Families (TANF) in the amount of $320.00 per month. In addition, her mother, Patsey Sweat contributes to the household expenses. Gail Sweat stated that the economic situation if “tight “at times and that additional money would be helpful. She did report that they are able to maintain a household and pay their bills.
1. Even with our medical advances, the United States ranks 29th because of lack of health care for some individuals but also the lifestyle Americans have. Another reason is that class statuses correspond with our health outcomes. What I meant about this, is that lower and middle class individuals are exposed to more health threats than higher class. This is the connections between healthy bodies and healthy bank accounts and race/ethnicity.
In Alcoholics Anonymous they have a saying “suit up and show up” that concisely sums ups the meaning of behavioral activation (BA). It is only by showing up, hopefully sober, and beginning to make small positive baby steps that the client can start to obtain positive life experiences, while also facing their fears of embarrassment, panic, or losing control. By purposefully scheduling positive activities the client suffering from depression, anxiety and avoidance behaviors can begin to expose themselves to positive life experiences that can change their whole outlook on life in a positive direction. The client can then begin to use these positive experiences to build a whole new healthy personal and world view that may alter their avoidance
Survivors Support Group I am currently on the mental health track, so looking at a potential group that I might encounter would encompass female victims of domestic violence and abuse (DVA) which is also referred to as intimate partner violence (IPV) and rape or sexual assault victims (as statues vary depending on the states definition). Both forms of abuse stem from a power and control dynamic. The use of force during sex is not about sexual pleasure for the perpetrator, instead the pleasure comes from being in a position of power and having control over another human being. The act of hurting and demeaning the woman is the real pleasure. DVA/IPV consists of physical, sexual, emotional, and economic abuse.
In order to enhance the quality and effectiveness of the counselling process, the counsellor must employ a number of individual counselling skills. The effective use of these counselling skills enables the development a working therapeutic alliance therefore empowers clients to their perspectives regarding problem situations in their lives and create positive therapeutic outcomes (Egan, 2007). After watching and analysing my recorded counselling demonstration, I was able to identify the counselling skills that were used effectively, the skills that require improvement and the skills that were not demonstrated. Accordingly, this essay examines my ability to demonstrate basic counselling skills and the contribution of these skills to the formation
On 11/4/15 Ms. Brittany Terry and her daughter Lundyn met with CM for an ILP. CM introduce herself as the client temporary CM assigned to her case. Housing: Client 's exit strategy is to move by 2/18/16. Client must maintain employment and submit pay stubs weekly .Client is expected to comply with savings and have saved enough for one month 's rent and security by 12/18/16, Client is to seek for housing and obtain housing by 1/18/16.Client was reminded she must meet with her Housing Specialist Mr. Brown on a bi-weekly basis, comply with all housing requirements and explore all available housing options. Social Service: Client must meet bi-weekly with Case Manager for ILP Review appointments.
This bank could also help benefit the government to use it
DIABETES TYPE 2 IS A MAJOR CONCERN IN THE CLAYTON AND FULTON COUNTY AMONG BLACKS AND HISPANICS AGES 65-75 IN RECENT YEARS. ACCORDING TO THE COUNTY REPORT, THERE IS AN AVERAGE OF 4-5 CASES REPORTED MONTHLY AND ABOUT 45-60 CASES YEARLY FROM 2005-2014. DUE TO MY INVOLVEMENT THIS YEAR AND MY CLASSES WE HAVE BEEN ABLE TO ATTRACT THE ATTENTION OF THE CLAYTON BOARD OF HEALTH (CCBOH). UNLIKE YEARS PASSED THESE PARTICIPANTS DID NOT HAVE ANY TYPE OF SCREENING AND WAS NOT AWARE OF ANY CLINICS IN THE AREA OFFERING ANY TESTING FOR TYPE II DIABETES.
1. What is the problem? What were the underlying causes of this problem? The problem was happened because of the new knowledge management application, which was designed to copy information across network automatically, which also led to the main switch and consequently to the system collapse.
In social care, we work with some of society’s most vulnerable people. For a practitioner to best support an individual they must first be able to care for themselves. There is huge value in being aware of who we are, our strengths and our areas for improvement. This can directly affect the relationships and experiences we have with ourselves, clients, and our peers in social care practice. For this assignment, I will look at the importance of ‘the self’ and personal and professional development in social care.
Literature Review Social Support Albrecht and Adelman’s study (as cited in Kendall Hunt Publishing Co., 2011) provided a definition of social support as “verbal and non-verbal communication between recipients and providers that reduces uncertainty about the situation, the self, the other, or the relationship, and functions to enhance a perception of personal control in one’s life experience”. Social support is any type of communication that helps an individual feel more secure or certain about a situation and therefore being able to feel that they have control over a situation (2011, Kendall Hunt Publishing Co.). According to Hunt, social support emphasizes the availability of the network of people that provides support, therefore, the presence