Escolar Documentos
Profissional Documentos
Cultura Documentos
ON
Requirement
MASTER OF BUSINESS
ADMINSTRATION
SUBMITTED TO:
SUBMITTED BY:
Ms. Rupinder Kaur Jyoti Sharma
M.B.A-4th
Sem.
Roll No-2055
ACKNOWLEDGEMENT
I Jyoti Sharma Roll No. 2055 M.B.A. IVth sem. of the Ropar IMT
Shekhupur hereby declare that the Project Report entitled Micro
Finance (Self Help Group) is an original work and the same has
not been submitted to any other Institute for the award of any other
degree. A seminar presentation of the Project Report was made on
Micro Finance (Self Help Group) and the suggestions as
approved by the faculty were duly incorporated.
Jyoti Sharma
EXECUTIVE SUMMARY
INDEX
s.No Introduction Page No
Introduction 6-9
Bank profile 10-15
About
Special features
Branch expansion
Performance
highlights and
profitability
Literature review 16-29
Self help group (the
heart of
microfinance)
Basic knowledge of
SHG
Challenges faced
by woman
entrepreneurs
Overcoming the
challenges
Objectives & Scope of the study 30-31
Research Methodology 32-34
Data analysis 35-51
Analysis1
Analysis2
Analysis3
Analysis4
Case Studies
Findings 52
Conclusion 53
Limitations 54
Suggestions 55
Bibliography 56
Questionnaire 57-60
INTRODUCTION
What is microfinance?
What is microcredit?
What I learnt-
Bank-
Structure
BANK PROFILE
With its constant efforts in the banking field and mounting public
participation it opened its first branch in 1983 which is popularly
known as market yard branch
The bank automated its operations for the first time ever in 1991
by installing computerized software in its Dana bazaar
branch
In the initial years of 20th century the banks business was routed
through robust and core banking solutions and got all its branches
fully computerized
SELF-HELP GROUPS
(The heart of microfinance)
Goals-
Self help Group (SHGs) are small group of poor people. The
members of an SHG face similar problems. They help each other,
to solve their problems. SHGs promote small saving among their
members. The savings are kept with the bank. This is common
fund in the name of the SHG. The SHG gives small loans to its
members in the name of common fund.
Yes, RBI and NABARD have approved banking with SHGs. RBI has
classified loans to SHGs as priority sector lending.
The animator cannot organize the groups all alone. He or she will
need guidance, training, reading material, etc.
(These are only examples. You can also use locally important
conditions to decide whether a family is poor.)
V. Meetings
I. Minutes Book:
b. Internal lending:
The SHG should use the savings amount for giving loans to
members.
c. Discussing problems:
The SHG takes loan from the bank gives it as loan to its members.
(Details may be seen in the next chapter.)
Soon after an SHG is formed and one or two meetings held where
the savings are collected, a savings bank account can be opened
in the name of the SHG.
CHALLENGES FACED BY THE WOMEN
ENTREPRENEURS
Challenges are faced by the women entrepreneurs due to many
reasons. Some of the challenges faced by the women
entrepreneurs include-
This piece of work will draw our attention towards the condition of
women in todays society and the potential they possess to
achieve wonders
Itll help to conclude how JJSBL is serving society through
empowerment of weaker sections
Can be used in the SWOT analysis of micro-financing
structure of JJSBL
RESEARCH METHODOLOGY
INTRODUCTION
RESEARCH METHODOLOGY
Descriptive Research
After the research problem has been identified and selected the
next step is to gather the requisite data. While deciding about the
method of data collection to be used for the researcher should
keep in mind two types of data i.e. primary and secondary.
Primary Data
The primary data are those, which are collected afresh and for the
first time, and thus happened to be original in character. We can
obtain primary data either through observation or through direct
communication with respondent in one form or another or
through personal interview.
Observation method
Interview method
Questionnaire method
Secondary Data
The secondary data on the other hand, are those which have
already been collected by someone else and which have already
been passed through the statistical processes. When the
researcher utilizes secondary data then he has to look into
various sources from where he can obtain them. For e.g. books,
magazine, newspaper, internet, publications and reports.
Internet
Books
Magazines
Newspapers
Journals
DATA ANALYSIS
Analysis1- SHG statistics
Interpretation-
loan disbursement
Interpretation-
The above pie-chart depicts that out of the 3800 SHGs of JJSBL all
over Maharashtra, Jalgaon alone consists 250 SHGs followed by
bhusawal, which has 179 SHGs.
The other Talukas doesnt have any impressive number of SHG
compared to these cities. This is mainly because of the rural
background of these cities
One of the most obvious reasons of such fluctuations is that
JJSBLs head office is situated in Jalgaon
Apart from Jalgaon and bhusawal, amalner also have 80 SHGs.
Papad-making 40%
Sewing 30%
Farming 20%
Bag-making 10%
Interpretation-
On the basis of the data from 5-6 most popular SHG samples, it was
found that the most common activity in which almost 40% of the groups
engage themselves in, is papad making.
30% of the women groups prefer sewing activities. And the rest of the
percentage is occupied by groups who are engaged in farming and bag
making.
Apart from these many other SHGs are also focusing on marketing their
home-made products in local hostels, hotels and schools.
CASE STUDY 1
Name- Sharda Mahila Bachatgat
Number of members- 20
Age- 30 months
ii. 200000Rs/-
About-
The members of this group who are all specifically women, are found to be
regular in their operations and pay their monthly installments promptly
They also conduct their meetings on a timely basis. They have also
borrowed loans twice in the last 30 months which was professionally
utilized for the purpose of-
After the sewing machine was purchased 15 out of 20 women in the group
grabbed the opportunity by getting connected with local dealer and hiring
him as their distributor.
Interpretation-
Till date the accumulated savings are 120000Rs, apart from this the group
has borrowed loan twice in their time span. The interest charged by the
bank is fixed at 14% pa.
CASE STUDY 2
Age- 88 months
No. of members- 20
ii. Sewing
Bank has being a rescuer for them and helped them by guiding the basics
of banking mechanism. Until now JJSBL has provided them loan for utmost
3 times during the past 7 years Out of which 80000 was fully employed for
the purchase of agricultural equipments which led to the development of
their business venture
Interpretation-
Number of member- 10
Age- 60 months
Bank loan-300000 Rs
This group is known for its zest and enthusiasm particularly in the
repayment of their loans. Their enthusiasm can also be seen in their daily
lives. These women manage their household work and have started
personalized businesses on their own. Some of them give mehendi
tuitions.
Similarly they are highly sensitive in the matter of their timely meetings
and conduct them regularly. They also encourage other ladies to
participate in their operations.
Until now, theyve borrowed a sum of 300000 Rs in the last 5 years. Now
theyre planning to borrow 50000 Rs additionally for their home
businesses
Moreover it was seen that after 4 years from their establishment these
women have increased their amount of monthly savings by 100 Rs per
member. This implies that JJSBL has encouraged their saving habits
Interpretation
Number of member-10
Age- 74 months
Bag making
Farming
This group consists of basically rural based women. Thats the reason
why theyre not familiar and much literate about the banking
mechanism, but with the help of their other group women and JJSBLs
support, theyve learnt all the basic concepts of banking and ultimately
theyre exploring their talents.
Being from rural background they are much familiar with farming
activities, so their farming activities and efforts have helped them to
repay their loan amount
Interpretation-
Number of member- 14
Age- 72 months
Papad making
About-
The members of this group were illiterate on the first place, but their
head person was literate.
Another highlight about this group is that they started attending the
free computer workshops arranged by the bank. Surprisingly they
started using computers at home and everywhere. The bank loan of
100000 Rs which they borrowed in 2010 was sincerely repaid after.
Utilization of the bank loan was fully towards the purchase of sewing
machine. As we can see the bank loan amount wasnt enough to buy
papad making machines so henceforth they started making
handmade papads.
Interpretation
Bank loan of 1 lakh rupees has being effectively repaid by the bank.
Savings of each member is 200rs per month which help them to pay
the interest of 14% pa on their loan. Also their accumulated savings till
date is 200000rs through which they lend internal loans in their group
members. Maintenance and recording of their monthly transactions is
also seen here.
CASE STUDY 6-
No. of members- 12
Age- 15 months
Being a newly formed group, it has still managed to grow and show
rational development.
Bank has lent them a sum of rupees 1 lakh. When asked to the bank
about their activities I got to know that they regularly prepare the
nagli flour dough for making papads. These papads are then sold
to hotels and other restaurants. Bank identified their teamwork and
marketing skills and supported them by giving them an opportunity to
setup papad-stalls in last years Jalgaon janata fair
Interpretation
CONCLUSION
This part will lay out some suggestions from my side to JJSBL as well as
the SHGs women with whom I responded. The suggestions are as
follows-
www.jjsbl.com
www.google.com
https://www.nabard.org/
Annual Report Jalgaon Janata Sahakari Bank Limited -2013-14
V.J.R. Emerlson Moses, "Women empowerment through SHGs : A
micro study", International Referred Research Journal, Vol. II,
Issue 16, January 2011
News articles published by Divya Marathi relevant to JJSBL
www.scribd.com
Economic survey of Maharashtra 2012-13 conducted by
directorate of economic and statistics, planning department,
govt. of Maharashtra, Mumbai
QUESTIONNAIRE
Section A :
___________________________________
Name of the group :
________
___________________________________
Address of the group:
________
Women : _____
_____
TOTAL ==========
B : Essential criteria that the group must fulfill
Score 1 if point is fulfilled and 0 if not. There are no scores in-between.
These criteria must be essentially present in every group; Even if one is
not present, it means the group requires focused attention for some more
time.
1. The group is meeting regularly without being asked or reminded.
Comments :
______________________________________ Score : _______
_
Comments :
______________________________________ Score : _______
_
3. Loans are available to all members and not just the same few.
Comments :
______________________________________ Score : _______
_
Comments :
______________________________________ Score : _______
_
Comments :
______________________________________ Score : _______
_
Comments :
______________________________________ Score : _______
_
Comments :
______________________________________ Score : _______
_
Comments :
______________________________________ Score : _______
_
9. The group is in contact with other institutions for technical and/or
financial resource mobilization.
Comments :
______________________________________ Score : _______
_
SectionC :
Optional criteria that the group may fulfil
Score 1 if point is fulfilled and 0 if not. There are no scores in-between.
These criteria are optional; they need not be considered in deciding
whether to withdraw from a group unless the evaluator has some specific
concern in mind.
1. The group has at least one trained promoter and access to the
services of other trained promoters (e.g., in accounts, health and etc.)
Comments :
______________________________________ Score : _______
_
2. The group has an adequate place to meet where all are allowed to
enter.
Comments :
______________________________________ Score : _______
_
Comments :
______________________________________ Score : _______
_
Comments :
______________________________________ Score : _______
_
6. The group has made at least one effort to promote social justice
and/or prevent the exploitation of its own members by others.
Comments :
______________________________________ Score : _______
_