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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:12646
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。
Table IV: New SHGs Financed by Banks during the Year
Year
Source: National Bank for Agriculture and Rural Development (NABARD)
Under the SHG-Bank Linkage Programme as on 31 March 2011, 74.62 lakh SHGs held savings bank accounts with total savings of Rs. 7,016 crores as against 69.53 lakh SHGs with savings of Rs.6, 199 crores as on 31 March 2010. By December 2011, another 2.98 lakh SHGs have come under the ambit of the programme, taking the cumulative number of saving-linked groups to 77.60 lakh SHGs. As on 31 March 2011, 47.87 lakh SHGs had outstanding bank loans of Rs. 31,221 crores, as against 48.5 lakh SHGs with bank loans of Rs. 28,038 crore as on 31 March 2010. This represents a decline of 1.3 percent in the number of SHGs and a growth of 11.4 percent in bank loans outstanding to SHGs as per table 4 given above. During 2011-12, (upto December 2011), 4.51 lakh SHGs have been financed with an amount of Rs. 6,791.46 crore. Thus, the SHG-Bank Linkage Programme is considered as the largest financial inclusion programme in the world.
Conclusion
SHG-Bank Linkage Programme is developed in India to provide finance to the vast rural poor. In this programme, the informal SHGs are credit linked with the formal financial institutions. The SHG-Bank Linkage Programme has emerged as a dominant, relevant and effective prorgramme in terms of borrowers and loans outstanding in India. It is flexible, independence creating, and imparts freedom of savings and borrowing according to the heterogeneous needs and requirements of the group members.
Through this program, the Reserve Bank of India and NABARD has tried to promote relationship banking, i.e., “Improving the existing relationship between the poor and the bankers with the social intermediation of the NGOs.” The SHG-bank linkage program in India is rapidly expanding its outreach under the pioneering initiative of NABARD, the monitoring and supervision of RBI, and the promotional policies of the government of India. At the grass root level the program is being implemented by the commercial banks, cooperatives, and regional rural banks, with government agencies. Self-help groups (SHGs) play today major role in poverty alleviation in rural India. SHGs have changed the life of a particular individual or group for the better. This is considered not only a tool for poverty alleviation but also has proven to be relevant in offering women the possibility to break gradually away from the exploitation and isolation in India. The SHG-Bank Linkage Programme has provided a mor本论文由英语论文网提供整理,提供论文代写,英语论文代写,代写论文,代写英语论文,代写留学生论文,代写英文论文,留学生论文代写相关核心关键词搜索。