Methods Of Micro Finance SHGS /JLGS / Farmer Clubs. www.shgportal.com. Credit - Financial Inclusion or Poverty Alleviation??. High transaction costs Lengthy documentation Monitoring costs High defaults Collateralised Lending Leakages of subsidised resources.
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SHGS /JLGS / Farmer Clubs
SHG Bank Linkage Programme
On-lending by MFIs
MFI Bank Linkage Model
SHG Bank Linkage Model
SHGs promoted & Financed by bank
SHGs promoted by MFI
Bulk loan from Bank for
on-lending to SHGs
SHGs promoted by NGO and Financed by banks
Surplus so generated remains with the group
Formations of JLGs by
Factor JLG SHG
“VVV Programme” was rechristened as “Farmers’ Club Programme” in 2005 by revisiting its earlier mission.
The broad functions of the Farmers’ Clubs as envisaged are as follows :
The formation of Farmers’ Club lead to better Banker-Borrower relationship in the area. An Evaluation study of Farmers’ Club Programme (FCP) carried out by IIM, Lucknow has brought out the following advantages of FCs to bank branches:
All Institutional Agencies (Commercial Banks, Cooperative Banks and Regional Rural Banks) and all grassroot level organisations (NGOs, PRIs, State Agricultural Universities, KVKs, Post Offices etc.) are eligible to form Farmers’ Clubs
The main functions would be
Awards to Best Working Clubs:
Capacity Building for Adoption of Technology (CAT):
NABARD assistance to all agencies will uniformly be @Rs.10,000/- per club per year for a period of 3 years whether they are institutional or other agencies and the region concerned. Assistance will be towards the following minimum & mandatory expenses:
in a year)