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美国留学生组织学作业 [2]

论文作者:英语论文论文属性:作业 Assignment登出时间:2014-08-29编辑:yangcheng点击率:12571

论文字数:3298论文编号:org201408272212298570语种:英语 English地区:美国价格:免费论文

关键词:影响力Essay自助组织留学生作业Self Help Groups

摘要:本文是研究组织中的自助组织的运行效率的一篇留学生作业,这种新型的小组方式通过自我管理和发展的过程来合并低成本的金融服务使用权,它是一个在美国被广泛接受的管理模型。

n of financial services to the poor. This paper is an attempt to analyse the SHGs movement in India as these are helpful in order to alleviate poverty and women empowerment. The present study is analytical and based upon secondary data which has been collected from different published reports, journals and existing available literature. The objective of this study is to evaluate the progress of self help group bank linkage programme.

 

Self Help Group

 

Self Help Group means a group of 15-20 members which have become a common vehicle of development covering various development programmes. Financial intermediation is not the only objective but the purpose behind this is to combine the access to low cost financial services with a process of self management and development. SHGs are usually formed and supported by NGOs or Government agencies. SHGs are small, informal and homogenous groups of not more than20 members each. Any group larger than the size of 20 members has to be registered under Indian legal system. So it is recommended to be informal to keep them away from bureaucracy, corruption, unnecessary administrative expenditure and profit motive. Groups are also expected to be homogenous so that members can participate freely without any fear as well as conflicting interest. SHGs have also emerged as a powerful device and an effective medium for delivering credit to the poor in the rural economy. It helps in poverty alleviation and women empowerment. Self-help groups (SHGs) movement has triggered off a silent revolution in the rural credit delivery system in India.

 

SHG Bank Linkage Programme

 

The Self-Help Group Bank Linkage Programme (SHBL) which started as a pilot programme in 1992 has developed at a very fast rate with time. SHG-Bank Linkage Programme was started on the basis of the recommendation of S K Kalia Committee. While the SHG-bank linkage Programme has experienced exponential growth over the past decade, there remain large regional disparities in the growth of the SHG movement with limited progress in certain regions. Though the SHG-Bank Linkage Programme contributed to improve economic conditions, social change was not as apparent, and there are concerns of sustainability and further development of self reliance of the institutions. The SHG-Bank Linkage Programme has the following objectives:

 

To develop mutual faith and confidence between the rural poor and bankers

 

To combine sensitivity, flexibility and responses of the informal credit system with the strength of administration capabilities, technical strength and the financial resources of the formal financial institutions.

 

To expand credit flow/ financial services to the rural poor with less transaction costs.