I.                   Financial Education tool- Hamari Asha
Session Sub topics
1.      Learning to Save The participants practice Income and Expenditure in small groups. The trainer explains saving and its importance through a story and flip charts.
2.      Saving and SHG Dynamics The participants discuss the importance of joining SHG through a story. They understand the importance of keeping records in an SHG through a game called “Money Game.” The participants play “Paper Cutting Game” to understand the roles and responsibilities of a leader.
3.      Managing Money in the Group The trainer explains trust and unity in the group using a story. The participants explore the inflow and outflow of money with a sample passbook, meeting register, and cash book. They practice the process of redistributing money when a member exits the group.
4.      Opening a Bank Account In this session, the participants discuss the formalities for applying to open a bank account and applying for a loan through role plays and short skit. They also use sample documents when discussing the formalities for applying for a loan.
5.      Financial Planning & Products The participants explore financial Products and Services in different lifecycle situations. Participants revisit the events used as examples in previous sessions and draw the learning from those events related to planning. They discuss the values of various products and correlate the life events of some members who would have used these products and services in those situations.
6.      Starting Income Generating Activities The participants discuss the importance of taking up an income generating activity through group discussions and the story line that has been used in this module.

Strengthening local organization

I.                   Leadership development
Session Objective
1.      UNDERSTANDING SELF Participants explore their personality traits through a quiz.
2.      JOHARI Window Participants explore the 4 components of their personality and how people with different personality traits can work together. They discuss ways to reduce the unknown zone of their personality.
3.      Understanding my core- discovering my personal values Participants identify personal values.
4.      My experiences as change leader- An appreciative enquiry Participants identify personal leadership qualities.
5.      Leadership Styles Participants understand leadership styles.
6.      Leadership competency- Conflict Resolution Participants understand and practice various conflict resolution methods through role play and skits.
I.       Social Performance Management
Session Objective
1.      Your Mission—What It Means to Put It into Practice Participants identify the challenges related to putting a mission into practice. They examine a framework for thinking about how to put the mission into practice.
2.      The Results that Flow from Your Mission The participants articulate measurable results that are directly linked to the mission in terms of naming the target group, meeting their needs and creating change in the target group’s lives.
3.      Examining the Self-Help Group Strategy The participants identify how the strategy of working through SHGs helps and hinders the accomplishment of results.
4.      Talking to Self-Help Groups and Self-Help Group Members to Assess Progress Towards Results The participants identify ways to better engage the key stakeholder—SHG members—to collect information in order to assess results and plan improvements.
5.      The Foundation of the Self-Help Group Platform—Group Formation and Support Participants identify challenges faced in forming and supporting SHGs.

Financial Management of SHG

Part-I: Financial Literacy

 

1.       Savings and its different aspects  
1.      Understanding hope, aspirations, needs and want of a person
2.      Basic concept and components of savings
3.      Importance of  savings
4.      Understanding security and liquidity criteria for investment
2 Understanding monthly family income and expenditure
1.      Calculation of Income for a month
2.      calculation of Expenses and Savings for a month
3.      Incomes of SHG
4.      Expenditure of SHG
5.      Financial planning for difficult time in advance
Part-II:  Financial Management
3 SHG’s income/savings and funds received from different sources
1.      Monthly savings of the SHG and its importance
2.      Funds received from any source and their processes
3.      Inter loaning in SHGs and its dynamics

3.1 Rate of Interest calculation

3.2 Repayment schedule

3.3 Prioritizing Loanees

3.4 Loan recovery and impact of peer pressure:

4.      Significance of SHG by-laws in respect to fines:
5.      Different types of Fines and their importance in maintaining a high standard of financial discipline:
Part-III: Bank linkage and Institutional Financing
4 Bank linkage and Institutional Financing
1.      Importance of bank linkage and institutional financing
2.      Process and procedure of bank linkage, formalities of getting institutional financing/Bank loans, interest rate, repayment schedule, the possible consequences of defaulting,
3.      Creditworthiness, repaying capacity, importance of past transaction,
5 Understanding Credit and its different aspect in relation to SHGs
1.      Understand need for loan
2.      Different Aspects of Credit / loan
3.      Reliability of the financial institution for taking loan and loan repayment
4.      Risk of becoming a loan defaulter
5.      Internal lending and its importance in SHG grading & 5 Principles of SHG
6.      SHG loan repayment (the 4th ground rule of Panchasutra)
7.      Bank Loan [Term loan & Cash credit]
8.      Financial viability of SHGs and its repaying capacity
Part-IV: Bank linkage and Institutional Financing
6 Books of accounts and their importance  
5.       Record keeping and accounts of SHG
6.       Different types of registers of SHG
7.       SHG audit  and its importance
8.      Book Keepers responsibilities (Dos and Don’ts)
9.      Demonstration and practical session on maintenance of registers