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welcome

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RD Addressing in SHG Meeting at
SMBT SHAHABAD

 

BRIEF NOTE SMBT :
One of the activities has been to promote Self-Help Groups (SHGs) of poor women to enable them to engage in  thrift and use the collective savings to provide credit to each other on a mutual benefit basis.

Self-Help Groups in the villages have been actively engaged in the matter of thrift and credit activities for the socio economic development of disadvantaged women for the past several years. As the activity of thrift and credit has grown in size and the groups require good management of their funds, it was decided to form a trust called Sarvodaya Mutual Benefit Trust. These activities have been in operation in an informal way, since April 1996 and have been conducting regular meetings.

now it is thought fit to widen the scope of activities of the Trust to enable it to better manage the finances, access a higher amount of credit from other financial institutions and to provide other financial services such as insurance, and technical assistance and support services for promoting livelihoods for the poor women members of the Self-Help Groups constituting the membership of this Trust.
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A SHG meeting at SMBT Baran with ED & RD & CMD
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SMBT Kota SHG Meeting
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SMBT Kota SHG Meeting
     
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SMBT Kota SHG Meerting Addressing by Community Worker
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RD Speaking at SHG Meeting
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RD Speaking at SHG Meeting
     
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SHG Member Welcomes ED
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SHG Leader Accounting
Definitions :
 
(A)
ASSEFA : Association for Sarva Seva Farms, an organization based on Gandhian philosophy, involved in development since 1978 all over India.
   
(B)
Board of Trustees (BOT): Board members of the trust who are nominated and/or elected by the General Body as per the regulations of the trust.
   
(C)
Member: Self-Help Groups, as duly admitted by the Board of Trustees as members.
   
(D)
General Body : Is constituted by the member-SHGs, as represented by their Presidents or any other members of the Self-Help Groups, specified for the purpose of representing them.
   
(E)
Fund: The funds raised by the trust from any sources by way of donations, contributions, grants, and/or loans from banks or other financial institutions and the amounts specifically set apart as per the rules and regulations of the Trust.
   
(F)
Self-Help Group (SHG): Self-Help Group means a women’s group formed with the object of socio-economic development of women living in a neighborhood, engaged in thrift, and credit activity for mutual benefit. A Self-Help Group shall be deemed valid only if its members have signed an “inter-se” agreement as prescribed by the Reserve Bank of India (RBI) and/or the National Bank for Agriculture and Rural Development (NABARD).
Objectives :
 
(A)
The overall objective of the Sarvodaya Mutual Benefit Trust, Achirapakkam (SMBT- Achirapakkam) is to promote and make possible savings and credit activities among poor women jointly together in the form of the Self-Help Groups to help, improve the economic and social conditions, particularly of rural poor women.
   
(B)
The specific objects are :
   
 
(01)
To inculcate the habit of savings and thrift for the purpose of rotation, among the members of the SHGs, provided, however, that the Sarvodaya Mutual Benefit Trust, Achirapakkam, shall not accept any public deposits, as defined by the Reserve Bank of India.
     
 
(02)
To enable SHGs to give loans to their own members out of the savings amounts thus collected, supplemented where possible, by other funds obtained as membership fees, loans, grants, interest income, fees, penalties and any other form.
     
 
(03)
To enable the SHGs to access insurance and other financial services for their members
     
 
(04)
To secure funds from other funding sources and provide the same as loans, with or without interest and on such terms, to the member-SHGs so as to enable them to provide the same to their members for income generation and livelihood programs.
     
 
(05)
To conduct programs to develop and train the SHGs in management of their affairs.
     
 
(06)
To provide technical and expert services to the SHGs and to engage technical and expert personnel there for
     
 
(07)
To promote new entities and organizations by subscriptions to equity or other suitable instruments, to hive off activities, projects and units of the trust into separate entities to run and scale up pilot initiatives, in order to achieve greater efficiency and effectiveness, for activities that are in conformity with the objectives of the trust; networking/collaborating with organizations of a similar nature.
     
 
(08)
To hold, buy, acquire, or possess in any manner its properties- movable or immovable.
     
 
(09)
To sell, dispose, alienate, mortgage, hypothecate, exchange, alter, improve or in any manner, these properties.
     
 
(10)
To convene meetings, conferences, seminars, workshops and conventions for achieving the objectives of the trusts.
     
 
(11)
To invest in the share capital of any Company, Cooperative Society, Trust, or any other institution established or existing for the purpose of promoting livelihoods and providing credit and other financial services particularly for rural poor women.
     
 
(12)
To engage in all such lawful acts, deeds or things either alone or in conjunction with other organizations as are incidental or ancillary or conducive to the attainment of any of the above objectives.
     
 
(13)
To take over the assets and liabilities of any such similar formal or informal organizations, which the BOT may deem, fit.
     
 
(14)
To contribute to the activities of other welfare trusts in the region either by way of undertaking some activities or by making financial contributions.
     
General Body : Constitution, Powers and Duties :
 
(A)
The General Body shall consist of all the member Self-Help Groups promoted by the Settler in the Achirapakkam area and duly admitted by the BOT and continuing to be members in good standing. The Settler and the Board consisting of the Chairperson and the nominees of specialized community development institutions shall invite and admit the eligible member- Self Help Group so as to constitute the General Body and to conduct elections for the representatives in terms of this deed.
   
(B)
Once admitted, the member Self-Help Group shall be entered into a register of members, stating its name, address, and list of its members, the office bearers of the SHG.
   
(C)
A copy of its “inter se” agreement duly executed shall be provided to the Trust, in support of its existence.
   
(D)
The General Body shall meet at least once a year, within three months of the close of the previous financial year of the Trust to conduct the following business :
     
 
(01)
To consider and approve the annual report of the BOT
     
 
(02)
To approve the appointment of the Management Service Provider (MSP)
     
 
(03)
To consider and approve the annual accounts and auditor’s report thereon
     
 
(04)
To appoint or remove the auditors
     
 
(05)
To elect Trustees and accept the nominee trustees.
     
 
(06)
To approve byelaws made amended by the Board of Trustees.
     
 
(07)
To approve the distribution of surplus
     
 
(08)
To consider any appeals from SHGs to whom membership has been refused by the BOT or whose membership has been terminated
     
 
(09)
To consider any amendments in the Trust Deed and the Rules
     

The following diagram indicates the process flow of the
Project Interventions
Chart_1
Regular Analysis and record is the progress made by women.



LINKAGE WITH PERFORMANCE CRITERIONS
Chart_1


EMPOWERMENT OF WOMEN AS AN IDELOGY
Chart_1

Characteristics of Self Helf Group

Chart_1

SARVODAYA MUTUAL BENEFIT TRUST - WESTERN REGION
AS ON 31.12.2009
Name Of SMBT Name Of Chairperson Reg. Date Total Loan Disbursment during the year Disbursment Total No. of Members Benefit Total Share Fees Total Enrollment Total Saving in Lacs Inter Lending Group Formed SHG Benefit Business Plan  2009-10
Baran B.L.Nagar June.04 34.09 3.55 842 13.95 56 11.11 29.05 172 79 6422912.00
Kishanganj H.S. Rajora June.04 43.78 9.43 804 20.47 57 15.64 51.17 239 80 7481000.00
Shahabad M.S. Gaur June.04 33.72 8.31 784 13.45 62 12.41 40.03 227 96 4662240.00
Bamori M.L. Mehta June.04 67.05 2.81 1044 18 88 15.34 52.37 233 129 8704080.00
Guna N.R. Chaudhry June.04 74.81 1.23 1612 13.2 133 30.01 54.61 312 200 5976936.00
Banswara V.P. Yadav June.04 67.37 0 1792 23.25 131 24.87 41.24 237 163 6788880.00
Bagidoura S.N.Sharma June.04 59.32 0 1593 22.9 108 27.02 55.01 248 196 10575090.00
Anandpuri K.L. Damor June.04 101.56 0 1176 28.55 100 21.09 54.69 206 111 7117946.00
Garhi K.R. Pargi June.04 75.5 7.25 1916 23.25 133 38.7 92.01 280 207 11308640.00
Jhalawar I.L. Sen Oct. 07     582     0.62 0.56 48    
Sagwara S.L. Bhamor Oct. 07     608     0.48 0.32 37    
Kota Altaf Hussain Oct. 07     668     4.94 3.88 49    
Antah Rajendra Singh Oct. 07     814     5.32 2.97 74    
Mandsaure G.L. Soni Oct. 07     1215     3.02 1.6 108    

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