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Presented by Dr. K. Lalita
At the Planning Commissions Civil Society Window on Self Help Groups
7th November 2006 New Delhi
Growth of Microfinance sector: Four models:
1. Community owned and managed (CDF, Sanghatita, ASP, Roshan Vikas)
2. Financial Intermediary Model ( an arm of retail banking and insurance sector) like BASIX, SKS, SPANDANA, SWAS, SHARE
Banks and Insurance directly dealing with SHGs.
DWACRA + SAPAP [govt models]
1.Financial Intermediary Model
Economic and social empowerment is the bottom line.
1. SHG and Caste
According to a recent sample study, 80% of SHGs are single caste. 20% of groups do cross caste hierarchies.
(Source: Self help groups in India: a study of the lights and shades, M Harper, 2006)