LEARNINGS IN FIELD WORK-2 -Ramesh Abhishek

Knowing and learning are relative terms. With my learning, I got a lot of knowledge during my field works. Here, I was in the stage of learning by doing in my field work-2. Actually, when I was engaged in my field work-1, I got to know the basic concepts of work culture in PRADAN through SHG. I got to know about the engagement of professionals according to the plan of team but I could not understand the major objective of the team as well as professionals. I also want to state that I could not understand the objective of my village study with different survey report. Actually, I could not co-relate my task with our team plan. So, I was little confused in my field work-1. When I spent 45 days in my foundation course-1, then I grabbed the knowledge from the module of PRADANs approach. This module helped me and then I got to know the ideal status of an SHG, Cluster, different constituents of INRM, its importance for the people living in tidal areas and the more important thing I got to know that why these things, I have to know and learn in my DAship programme. After getting all these theoretical knowledge with quite few field works in my FC-1, I joined my team and placed again at my sub location. Here, I learnt through my field work in last 7 months. Even I am sharing here my present status of learning, is for the first time and this is my learning as well. Your feedbacks will help me to learn and I think to grab the knowledge throughout the day, which will help to learn more and more. I make no bones about the fact that I am always learning and striving to deepen my knowledge, so what I know today is unfinished. I want to set myself at a position from where I can see the things with different possible angles and also I can think that what is possible and what is waiting for my influence. I am learning and growing strategically. I work as a change agent in CBOs. I work with around 40 SHG and in those groups, I had to make an understanding for SHG & Clusters to work as a team, paying close attention to the quality of the conversation they had and are they focused logistic at the expanse of the future?

SHG A self-help group (SHG) is a village-based group, usually composed of 10-20 local women. They have homogeneous social and economical backgrounds; coming together to save regular small sums of money for their emergency needs on the basis of mutual help. A group can be formed with at least 10 members and 20 for the maximum. When the number of members will be lower than 10, then the process of sharing and saving money will not adequate for the benefits of the group member. Also an SHG brings a sense of unity inside the group. OBJECTIVES of SHG The formation of SHG is to support each and every members of the group. It can be a way to enhance the living standard, confidence and the skill of the member. It is needed to increase the awareness on stakeholders like block, bank and other govt institutions and its schemes. Also it helps to resolve the village level issue and initiate the village development activities. Also I got to learn

that the objective of SHG to create awareness of the member on the optimum utilisation of the available resources around them. It helps to increase the knowledge on different livelihood option like agriculture, poultry and animal husbandry. Due to this, they can take the loans as we can say that the SHG have their credit facility within the members and with the bank also to support in their livelihood activities.

Study on SHG During my field work 2 in last 7 months, I was engaged with SHG in the village Jhirkey, zebra, Obra, Osam, Chipudag and Kenduadih of Petarbar block. Also I was engaged with SHG in the village Jilingtanr, babutola and kamartola of Jaridih block during my INRM planning in this area. There are around 250 running SHG in Petarbar. There are total 41 SHG in my working area, in which 480 families are involved. There was a lot of learning with my each and every SHG meeting. Here are some areas where I learnt with the process. FORMATION OF SHG According to the computer Munshi and the community service provider, I got to know and find that there is some untouched area where not any SHG was formed. These patches were mostly Chipudag, Obra, Zebra, Jhirkey and Jagudih, which was under Ordana and Ulgada panchayat of Peterbar block, Bokaro. Then I planned to form SHG in these areas. So, I grabbed the idea about these village profiles regarding the hamlets and the demography by the help of relative community service provider of the village. After collecting required idea about such villages, I selected Chipudag, Obra and Jhirkey to form the groups. My first move to form an SHG was on 7th day of April. It was a fresh exciting morning for me when I was ready to leave the office at 10:20 am. Chipudag was the village where I had to go. It was 13 km in west direction from our Petarbar office as I was guided. I reached at 10:50 am in the village and got to know that I am standing in Jara Tola of the village. There was some Dada near around a hand pump. I asked them to talk for a moment. There were 4-5 dada and 5-6 didi came around the conversation during that mean time. I shared a theme to form a group of women and save money for future uses. Didi were interested to form such SHG from last 6 months as they shared. They had a little idea about the need and the work function of SHG but there was not any person to guide them. So, when I shared this concept, dada and didi were excited and brought a chair for me. Such positive response from the community side made me excited and helped to build my confidence. Actually, it was my first experience to facilitate the community. Then I told them to call all didi living in the hamlet Jara Tola. Around 20 minutes later 28 didi and 7 dada were present under a banyan tree. Now the meeting had started. I got to know the entire village profile by the sharing of didi and dada. They also shared that there are 7 SHG is running around their village but they had not much idea about it. Now it was the time to share the meaning of SHG, need and benefits of SHG. In this way I progressed the meeting to form 2 new SHG with 28 didi. The name of these two newly formed SHG was Veena Mahila mandal and Laxmi Mahila Mandal. The name was suggested by the member itself. Some were little shy to suggest the name but some were very active and suggested that the name will be related with the Goddess. With all these observation, I conducted the number of meetings in both the groups for some activities related with norms and values need based trainings, sharing on governments scheme and the bank linkages of SHG in parallel ways.

Similarly, I was experienced by the formation of 3 SHG in Obra village of Petarbar Block. Actually I was looking out the village Zebra for the proper running of SHG. During that period, I was informed that some didi are interested to form their SHG in Obra village (near Zebra village). Then, I planned to visit in the village Obra to share the concept of SHG. On 6th day of June, in a hot summer days, there were around 50 members came in the meeting in an Aanganbari Kendra. One didi, named Sumitra Devi was a Para teacher, came to me and asked about the Govt. plans for the needy people. I told her that all these things will share in the meeting which was going to start within 5 minutes. There was a healthy crowd in the Aanganbari centre of rajwae Tola, Obra. Didi were murmuring with each other. It was my great experience to facilitate such a huge crowd. The participants knew the need of SHG but they could not guided by anyone. So, they were very much excited to know all about the SHG relating to their norms and values, Govt. intervention plans and the future aspects of SHG. Hence, with a lot of conversations between us, I successfully conducted the meeting with the formation of three new SHG. The members decided the name of their respective SHG. The name was Madai Mahila Mandal having 15 members of SC (harijan) community, Hari Mahila Mandal having 15 members of OBC (Mahto) community and the third one was Saraswati Mahila Mandal having 18 members also of OBC (mahto) community. Here are the process of activities done, observations and my learning and feelings in initial SHG meetings of newly formed SHG. Meeti ng No. 01 Activities done Shared the theme of SHG Group was formed with a name Initial norms were set Shared the process of group meeting Need and values of saving money Observations 14 members were seated in an open elliptical shape Damyanti didi was vocal member 8 member participated in group conversation with low and high frequency 6 member were silent during the meeting 2 Didi were absent 1 Didi could not brought Rs. 10/- to save Accountant was feeling uneasy in book keeping A polly bag was there for register and cash deposited Willingness of the member to know the next steps regarding the meeting process. 2 didi was 10 minutes late Learning & feelings Little excited First experience to deal with the community Healthy sharing

02

03

Bought a new register for book keeping Found a member within the group to record the cash transaction (known as accountant/lekhapal of the Group) Saved Rs. 10/- by the members Followed the group process Meeting time and day was fixed Group process were checked

Conscious about the response from the group Should focus on the objectives in the meeting Give the clear under standing Should be soft spoken

Discussed the norms related with presence, absence, borrow and savings in the group meeting

1 didi was 15 minutes late All members were present Exited to save their saving Difficult to understand about master data 1 didi asked the need of master data Members were excited to have such books. 2 didi was guided to maintain the book keeping It was easy to understand about trainings Accountant Training was tough 4 didi were more vocal 12 didi were participated to share the process of last meeting 4 didi were feeling shy

04

Master data was taken Importance of master data was shared RMTS, Passbook and minute book was provided Shared its importance Shared the book keeping process Shared about the different need based trainings Shared the role of accountant and Accountant training The group was told to share about the process of last meeting Meeting was observed and feedback was given

05

06

Try to listen the members Understandi ng the current problem Excited for the master data Healthy talk Tough day to understand them for book keeping Particular time of need based trainings

07

Members understandi -ng was not clear

After the formation of these SHG, I observed their system of meeting process, their account system and compared with some old SHG of my working area. System of Meeting process In the newly formed groups, almost all the group members come at the time and the meeting starts sharply within 15 minutes from the scheduled time, as per my observation. They are very much strict with their norms and values. They punish the late members with a fine of Rs. 1 and the absent members (without any prior information) have to pay Rs. 5. The members are young in age and trying to seek the knowledge from the block office as well as about the bank for opening the bank account. They also shares about their hamlet level issues and trying to resolve the problems. One thing, I observed that 2-3 members are not willing to participate actively in the meeting process. I suggested the other members to support her, to talk her and keep her as an asset of the group. Also they are building the sense of strength inside the group. They are borrowing money at the rate of Rs. 0.50 as an interest on Rs. 100 for I week, from the group and repaying the interests on time. They are also strict to fine double interest after the deadline of the borrowed money from the group. Actually, they will have to share the time duration for the repayment of the loan taken from the box. When, the time will cross, the member will have to pay double interest in each of the meeting. The

interest is depositing first in the group and then the member will be asked for repayment of principle amount and then for her savings. They are engaged in agriculture from their childhood. They know all the aspects of agriculture but in the traditional way. Now a day, they are investing money for their improved agriculture and producing vegetables in kharif season. And, this was done by the help of trainings on norms and values, leadership training, accountant training and also the agriculture training was fruitful for the group for better group dynamics. As per my observations in the old SHG, the time and date of the meeting is fixed for all the SHG members but I observed that members are casual with their timing norms. In most of the meeting, at least 2-3 members join late. Some members want to submit their savings and move out from the meeting. The interest level of the members is not equal for all the members. I discussed on these matter with the members of different group. It was shared that there is a lack of time to members to attend their meeting on time. Some had family problems and some had health problems. I explored on such problems and tried to shift the group timing. Such type of problems, I found in the group and with the successful execution, I got to learn the way to facilitate the group members on their need and requirements. Groups of Jhirkey are functioning with the discussion about the village issues and norms. Similarly, the SHG of Kenduadih, Zebra and Chipudag is functioning with all their norms. So, with a gradually increasing the number of my SHG meetings, I learnt to observe the need of the group, where they cannot focus by themselves. Then, I conducted some need based trainings regarding norms and values, to the group and learnt the way to conduct the trainings. For this, we have to inform the members to attend at a fixed place at a fixed time where the training will conduct, otherwise the member will come late and the half day training will draw a whole day engagement. Account system I was linked with the accounting system of different SHG. The member and accountant of the group have an adequate idea for the regular flow of RMTS-I and II. Somewhere, the accountant of the group is from the group itself where as some accountants are outsiders. My 7 month experience says that the outsider accountants lead the dependency of the group member on accountant. And such practices lead a blunder by the accountant. There is an example of Zebra, where the accountant dada (husband of a member from the same group) stole Rs. 3000 from the group for the marriage of his daughter. When this matter was arisen, the group came at the stage to defang the group. Then, I facilitated the group and tried to resolve the issue by the members itself. Finally, they decided to punish the accountant by depositing Rs. 1000 in the group. Also, I got to find that there is not a clarity to the accountants for a double line in between the RMTS-I. As it says that the left side is for the cash came in the box and the right side is for the cash move out from the box. Anyhow, the accountant fills the cash book, meeting book as well as the pass book with the help of RMTS-II. But, Cash in box is missing in the RMTS-II. It leads to mismatch the cash which is present in the box with the calculated cash. Also, it consumes time of the group members to match the cash before to close the meeting. I think, there should be a column of current cash in box in the format of RMTS-II, which will help to match the cash amount with the cash in box at the beginning of the group meeting.

As it says that 5th pass member can be an accountant of the group, but I found that such members are little slow in book keeping, in my accountant training. Such problems of accountant lead to consume the time of team meeting. I tried to make some interesting module with a play to develop the calculation skill of the accountant which was related with the daily calculation in the life. It helped a lot to understand and now a day, there is not any problem of accountant as I found earlier. Also all the group members are very much aware on the flow of RMTS-I &II. The SHG nearer to the PRADAN office, members are directly involved to flow the RMTS but for the remote areas CSP and the dada of the respective village are engaged to flow the same. There are total 8 groups having their revolving fund of Rs. 25,000 and 3 Project fund each around Rs. 1, 50,000. These are the subsidy loans from SGSY scheme to the BPL Groups. There should be the BPL numbers with at least 70% members from a group to be called as a BPL group. Most of the groups, having their revolving fund, are investing in agriculture and growing kharif vegetables. These are the best way to utilise the fund with the cash crop which make easy to repay the amount Rs. 15000 within 6 month. During my engagements, I have some experience that the members do not actually think over this subsidy loans. We have to share the whole and arrange the meeting. At least two meeting is needed for the same then only we can reach up to a point from where, the members can seek the facilities of subsidy loans. Also it take some extra engagements to collect the Xerox copy of group resolution, photographs of three selected members from the group as president, secretary and treasurer, a forwarding letter from PRADAN, trial balance of the group, details of BPL members and the Xerox copy of group discussion for taking loan. The submission of these documents requires, at least one day engagement of a professional with the group. Similarly, to the sanction of Project fund, we have to attend at least two meting and then only we can finalise the purpose for taking loan and the strategy to repay the loan. If an SHG will come under NPA (non performing assets) then the bank can approach to the group and take an action against the group. That is why; the training on basic orientation programme (BOP Training) is needed for the group. I was engaged in Basic Orientation Program (BOP) of the groups, oriented by block office, Petarbar. I learnt the training purpose and module through Girish (PRADAN Professional). Then I conducted 3 BOP trainings. I shared in that group that how can they repay their RF loan within the time and what will be its benefits. I told them about different type of group loans in a module of the training. Also, I played Bagh-Bakri game and Marie Go Round game with group members. The morale of this BaghBakri game is to understand the member of the group that every member is equal with their equal importance. No one is a leader and everyone should move together in forward direction. The Marie Go Round game suggests the group member should respect the norms and values of the group. If anyone disobeys the rule, the group could have the negative effects, because all members were related with each other within the group by their norms and values. Similarly there is a numbers of training which is useful for the group. They need such trainings at their different maturity level. All these trainings made a deep impact on the members and now they are very much aware to repay their loans. Audit There was an audit on 2nd April, 2011 in Sugan MM, jamuniaTand, Rohar, Petarbar. It was my first audit. I checked the outstanding loans, Cash in box, cash in bank, interest due, other expanses as Debit and members balance through their Pass books, Reserve fund, interest earned, borrowing from others and bank as Credit. But after all these calculations, Rs. 1300 were short to match debit and credit. I rechecked my calculation but could not find that missing amount. I was getting frustrated and then finally I shared my problem with the group members. The group accepted that they bought a pig (locally called as sukari) @ 1300 but after 2 months that pig was died. The problem was that the missing 1300 rupees was not registered in their cash book. Finally, I matched the debit

and credit balance and shared with the group members. Also I distributed the interest among the members with equity. Then, I told to Kishor (computer munshi) to update the group which had been audited. From this audit, I got to learn that we should share each and every thing to the group members during audit. In this way, I spent a lot of time in my field areas to check the present status of the group regarding norms and values, monetary system and the future plans.

Now a day, the groups are planning to open their bank account in their respective banks as per the block rule. Then they will go for Revolving fund with their 1st grading. During this period of my field work 2 when I was looking out the Jhirkey cluster of Ordana Panchayat, I was informed that a group of women has been influenced by the running SHG in their village. Actually, this group was younger in age and most of them were newly married. So, they wanted to form a group under the guidance of a professional. Then I planned to meet with them. It was 21st day of august. They had selected the name of their group and that was Chameli mahila Mandal. There were 18 members in the group in which 14 members had their BPL number. That group was of OBC (Kumhar) community. Since the group had been already formed, it was needed only to share the norms and values and the future aspects of their SHG. The members were interested to grab the knowledge about to run their group. They were seated in a circle and an aluminium box was inside the circle. They had a cash book, meeting book and their passbooks to maintain their book keeping. They had recorded their cash transaction of last two meetings but the lack of knowledge about the group meeting process made to decrease their confidence and that leads the discontinuity of the meeting. All these things were shared by the group members. Then I suggested that no need to worry. There are a lot of trainings for the group. They will get those trainings which will help them to build their confidence and run properly. In this way, I conducted some regular meetings to observe the group process. Now I can say that I learnt the way to facilitate the SHG, their need and requirements and now I can understand the existing resources regarding the livelihood options of the SHG member.

CLUSTER Cluster is the coming together of 10- 20 SHGs located near one another, its function being to strengthen and provide support to individual groups through regular meeting and interventions. During my field work 2, I was looking out two clusters, Osam and Jhirkey. There are total 11 SHG with 2 newly formed in Jhirkey and 12 SHG are there in Osam cluster. The Osam cluster was running on 16th day of every month. I planned to have same group meeting with different SHG in Osam before attending the cluster meeting. It helped me to facilitate the cluster meeting because we had an adequate interaction between us. In that cluster meeting, there was a sharing regarding norms and values of cluster, need and strength of cluster. The dimension of cluster group is quite different from the different SHG. It was also discussed about the role and responsibilities of cluster members and only then such type of group cam work as a change agent. There are some roles and responsibilities of an ideal cluster, which was shared in different cluster meetings.

CLUSTER should......... Resolve the issues related with their SHG like, -Leadership issues -Accountant problem -Issues related with livelihood (agriculture) -RMTS flow and McF entry -Bank linkages -Issues related with government body Resolve the village level issues like, -Job card related -BPL card related -NREGS related -Block related Plan for livelihood where it is needed to -Fill the indent form -Define the role of community service provider (CSP) -Define the role of Computer Munshi -Sharing the Government plans in meeting Deliver the plans and process in the respective SHG, may be as -Combined agriculture -Special meeting on any serious issues -Strategy with the formation of new SHG Monitor the transactional process regarding -the payment of Computer Munshi -the payment of CSP - Stocks of Cash Book, Minutes Book and Pass Book.

All these sharing were done in the cluster meeting and finally at the end of meeting, the feedback was important for me to work with the cluster in future. Didi shared that the meeting was quite helpful for them and confident to run their cluster in the same way. The next cluster group of Jhirkey was defanged. So, this was my next plan to reform the cluster. I planned for an introduction in the different SHG meeting of Jhirkey. These introduction meeting helped me in rapport building. There were a lot much sharing within the group regarding the discontinuity of their Cluster meeting. Shanti didi said, pahle hamara cluster meeting hota tha, lekin jab se niranjan (previously engaged as SHG CSP), poultry supervisor ban gya tab se meeting band ho gya. Lekin cluster meeting bahut jaroori hai sabke liye. Esme sabhi group ke bare me pata chalta hai,aur naya chiz sikhne ko milta hai (Cluster meeting is much needed for us because it is helpful to know about other group and their activities to learn). With these sharing in almost all the group, a date was selected by them to form a cluster and start the meeting on every 5 th day of the month. Now, I started the close study of 5 SHGs within that cluster with the help of the questions of health inventory, keeping in my mind. Such type of study helped me to know the strength, weakness, opportunity and threat of the group and also to make an interventions plan of the group. Here is the

SWOT analysis and intervention plans of the respective groups and the current status of the same group is briefly explained in the annexure.

SWOT Analysis and Intervention Plans of Jagriti Mahila Mandal STRENGTH An old experienced group Group process is better Good financial condition Members have their BPL no. Well recognised group having sanctioned PF Knowledge about improved agriculture Total 13 members are literate ( 5th pass) OPPORTUNITIES Very close to the block office and Bank Resource rich members in land and water Easy to analyse the group after cluster formation To get the support from professionals and CSP to improve their livelihood WEAKNESS Casual nature during group process Cash holding and counting by single member Late arrival Have not a long vision with savings deposits

THREATS Some members are lazy and inactive during group process Irregular repayment of loan Lack of external communication Not supported by male members of the family

INTERVENTION PLAN PLANS Accountant training PROCESS OUTCOMES and IMPACT Not much needed. It has been done Good accounting system inside earlier the group and regular RMTS flow Livelihood training Training on improved agriculture in the As the members are resource SHG level rich, will adopt the new idea and practices. It will strengthen the economic condition Bank linkages It has been done Easy to deposit their savings of the group, may utilise in future and a way to get RF and PF st nd Grading 1 and 2 grading has been done Get the Govt. subsidy loans to improve the sustainability of livelihood Agriculture plan A plan of exposure in nearest village Have an idea about the timeline during Rabi, summer and Kharif season of different crops for better income which will improve the livelihood condition Plan for other livelihood Regular training on poultry Build the confidence to rear chicks and motive to get the maximum profit and enhance the family standard

SWOT Analysis and Intervention Plans of Saraswati Mahila Mandal STRENGTH An old experienced group Group process is better Good financial condition Members have their BPL no. Social binding Knowledge about improved agriculture Only 2 members are illiterate. Eagar to link with outside stakeholders OPPORTUNITIES Very close to the block office and Bank Resource rich members in land and water Easy to analyse the group after cluster formation To get the support from professionals and CSP to improve their livelihood To have a Project Fund in recent future WEAKNESS Casual nature during group process Interests and loans are not given weekly Unpunctuality No synergy among members Improper calculation during the group meeting Have not a clear vision with savings THREATS Some members are lazy and inactive during group process Irregular repayment of loan Lack of external communication Not supported by male members of the family

INTERVENTION PLAN PLANS Accountant training PROCESS OUTCOMES and IMPACT Not much needed. It has been done Good accounting system inside earlier the group and regular RMTS flow Livelihood training Training on improved agriculture in the As the members are resource SHG level rich, will adopt the new idea and practices. It will strengthen the economic condition Bank linkages It has been done Easy to deposit their savings of the group, may utilise in future and a way to get RF and PF st nd Grading 1 grading has been done 2 grading is Get the Govt. subsidy loans to in process improve the sustainability of livelihood Agriculture plan A plan of exposure in nearest village Have an idea about the timeline during Rabi, summer and Kharif season of different crops for better income which will improve the livelihood condition Plan for other livelihood Training on poultry Build the confidence to rear chicks and motive to get the maximum profit and enhance the family standard

SWOT Analysis and Intervention Plans of Lugu Baba Mahila Mandal STRENGTH A well experienced group in last 3 years Group process is better Best in accounting Members have their BPL no. Social binding punctuality OPPORTUNITIES Very close to the block office and Bank Easy to analyse the group after cluster formation To get the support from professionals and CSP to improve their livelihood Wisely expense of the Revolving Fund for benefit in future Neighbour village Zebra is quite good in agriculture and can be a scene of exposure WEAKNESS Poor financial condition Not much idea about improved agriculture Most of the members are illiterate Not a clear vision with savings

THREATS Poor in respect of resources (land and water) Lack of external communication Lack of knowledge and idea about government plan and the system Not supported by the male members Other high class community in the village Outside borrowers

INTERVENTION PLAN PLANS Accountant training PROCESS OUTCOMES and IMPACT Not much needed. It has been done Good accounting system inside earlier the group and regular RMTS flow Livelihood training Training on improved agriculture in the As the members are resource SHG level rich, will adopt the new idea and practices. It will strengthen the economic condition Bank linkages It has been done Easy to deposit their savings of the group, may utilise in future and a way to get RF and PF Grading 1st grading has been done Get the Govt. subsidy loans to improve the sustainability of livelihood Agriculture plan A plan of exposure in nearest village Have an idea about the timeline during Rabi, summer and Kharif season of different crops for better income which will improve the livelihood condition Plan for other livelihood Training on poultry, piggery and goat Build the confidence to rear rearing chicks or goats or pigs and motive to get the maximum profit and enhance the family standard

SWOT Analysis and Intervention Plans of Roshni Mahila Mandal STRENGTH Members have their BPL no. More young members Good financial condition All members are literate OPPORTUNITIES Very close to the block office and Bank Easy to analyse the group after cluster formation To get the support from professionals and CSP to improve their livelihood To plan for RF and PF and Wisely expense to improve their livelihood WEAKNESS No synergy among members Improper calculation during the group meeting More financial oriented and less intangible benefit oriented Have not a clear vision with savings Casual nature during group process Interests and loans are not given weekly Unpunctuality THREATS Individualistic nature of the member cause conflict and collapse the group Loan given to outsider may lead to worst condition of accounting Irregularity in the flow of RMTS Regular health problem of the member

INTERVENTION PLAN PLANS Accountant training PROCESS OUTCOMES and IMPACT Not much needed. It has been done Good accounting system inside earlier the group and regular RMTS flow Livelihood training Training on improved agriculture in the As the members are resource SHG level rich, will adopt the new idea and practices. It will strengthen the economic condition Bank linkages It has been done in recent past Easy to deposit their savings of the group, may utilise in future and a way to get RF and PF st Grading 1 grading by the health inventory Get the Govt. subsidy loans to point of the SHG improve the sustainability of livelihood Agriculture plan A plan of exposure in nearest village Have an idea about the timeline during Rabi, summer and Kharif season of different crops for better income which will improve the livelihood condition Plan for other livelihood Training on poultry Build the confidence to rear chicks and motive to get the maximum profit and enhance the family standard

SWOT Analysis and Intervention Plans of Chameli Mahila Mandal STRENGTH More energetic young members Eager to know about the outside stakeholders Members have their BPL no. All members are literate Resource rich members Social binding OPPORTUNITIES Very close to the block office and Bank Easy to analyse the group after cluster formation To get the support from professionals and CSP to improve their livelihood May have a plan to open a bank account to get Revolving Fund from SGSY WEAKNESS Not much idea about the group process Not much idea about the improved agriculture Have not the trained accountant

THREATS New inexperienced members Unawareness about the value and need to flow the RMTS Lack of knowledge and idea about Government plans and the system

INTERVENTION PLAN PLANS Accountant training PROCESS It is needed. An accountant training with a full day module having discussion on cash book, Meeting book and pass book Training on improved agriculture in the SHG level OUTCOMES and IMPACT Good accounting system inside the group and regular RMTS flow As the members are resource rich, will adopt the new idea and practices. It will strengthen the economic condition Easy to deposit their savings of the group, may utilise in future and a way to get RF and PF Get the Govt. subsidy loans to improve the sustainability of livelihood Have an idea about the timeline of different crops for better income which will improve the livelihood condition Build the confidence to rear chicks and motive to get the maximum profit and enhance the family standard

Livelihood training

Bank linkages

Grading

All the required documents of the group will submit with a forwarding letter from PRADAN Health inventory system will be shared for 1st grading A plan of exposure in nearest village during Rabi, summer and Kharif season

Agriculture plan

Plan for other livelihood Training on poultry as it is accepting as a livelihood option in the village.

Conclusion According to the SWOT analysis of the groups, it is quite clear about the strength and weakness of the group. The weakness of the group can overcome through different trainings. It is planned for such SHGs in near future, after the completion of my foundation course-2. I have also realised that the regularity of the meeting is necessary and planning is important for the smooth running of the SHG. Now, I am sure that all my learning will help me to execute the work through a planned way in the field, after my foundation course. Some other learning during my field work 2 1) Always finish the task within the time period otherwise ready to face problems. 2) Use only soft words and should appear in a polite way in the group or village which will help to make a good relation with everyone. 3) Dont move the bike on muddy roads. Try to avoid the night move in rainy season.