Optimizing SHGs. Sustainability. Who Maintains Books. In AP, the books are maintained by Office Bearer – paid or unpaid. In other three states by SHPA staff or paid bookkeeper. Depends on who maintains the records- SHPA staff do best, unpaid non-members do the worst. BOOK-KEEPING.
Defaulters >90days-12 m >12m
Note : Defaulters data is only for the North sample, defaults higher in South as the SHGs are much older and manage larger funds