Self Help has become the Development Buzz Words in 20th Century.Self realization and self initiative are the two most powerful weapons to wash poverty out from the world map this dynamic quotation of worlds greatest economist Chanakya is been translated to one word is SHG. Micro Finance through SHG has become a ladder for the poor to bring them up not only economically but also socially, mentally attitudinally. Linked with Micro Finance, the SHG movement has now been accepted as an effective intervention strategy for poverty alleviation. Self Help Group linked Micro Finance includes such credits which are provided to the rural poor on easy terms conditions and give access to several Income Generation Activities. Considering this is the future strategy of rural credit institutions would have to include strengthening the credit delivery system for increasing employment opportunities in rural non-farm sector. DRC has since been its inception of micro-finance program formulated the roles and responsibilities of SHGs. However SHGs are free from outside interferences, free to take their own decision in day to day operations, free to charge interest on internal / external loan, free to decide to save, keeping the savings in Bank or with them. But DRC has developed a set of documents that are mandatory to maintain by each group promoted by it such as Meeting Book, Saving Register, Cash Book, Membership Register, Attendance Register, Loan Ledger and Loan Register. Field staffs of DRC guide each SHG regarding maintenance of those registers. They collect monthly reports of each group, which are feed in computer at Head Office. Field Managers attend monthly/fortnightly/weekly meetings and guide the SHGs to solve various issues, Record Keeping, Basic Accounting, Recovery Follow-up, Delinquency tracking, Adoption of innovative technology, Identification of area specific livelihood activities, Livelihood Management, Marketing of products etc. In this regard, the micro-credit activities having a wider thrust area is being operated with a set of rules and smooth mechanism has been evolved to gain transparent management and secured investment and recovery process. For both internal and external loan all the groups execute a set of documents like DP Note, Application for loan, Money receipt etc. There is provision of fine for late payment of loan instalment. Field Managers are there to aid and advice and for monitoring and supervision on each and every aspect of the investment and recovery. Each group hold monthly meetings for the purpose of dissemination of information, investment, collection of instalments, savings collection and action plan for the succeeding month.
TRAINING & CAPACITY BUILDING OF SHGS ON MICRO ENTERPRISE EDP:Training is teaching, or developing in oneself or others, any skills and knowledge that relate to specific useful competencies. Training has specific goals of improving one's capability, capacity, productivity and performance. It forms the core of apprenticeships and provides the backbone of content at institutes of technology (also known as technical colleges or polytechnics). In addition to the basic training required for a trade, occupation or profession, observers of the labor-market recognize as of 2008 the need to continue training beyond initial qualifications: to maintain, upgrade and update skills throughout working life. People within many professions and occupations may refer to this sort of training as professional development. Keeping the Global scenario in mind and considering the local issues The training capacity building of SHGs on Micro Enterprise and EDP was organized at Astaranga Block Brahmagiri Block and various resource persons invited from Banks, Government Line Department, and Local experienced NGOs impart training to SHGs on Thrift and credit management, micro-enterprise development, Entrepreneurship Development, financial management, leadership training, marketing of products and packaging and pricing. Women members in general and the group leaders in particular, need to be trained in various functional and management aspects to increase their capacity and strengthening of management process.