Professional Documents
Culture Documents
Parameter
Criteria of Evaluation
Marks Card
1. Group Composition
10
i) Members are socially and financially equal-Homogenous Group ii) Members are of different level-Mixed Group 10 5 10 i) If more than 25% belong to the weaker section ii) Less than 25% belong to the weaker section 10 8 10 10
2. Social Status
3. Age of Self Help Group (from the date i) More than one year of formation) ii) Between six months and one year
Parameter
Criteria of Evaluation i) 4 meetings ii) 2-3 meetings iii) Only one meeting
Marks Card
10
10 8 5
10
i) More than 90% ii) Between 70 to 90% iii) Less than 70%
10 5 3
10
6.Maintence and up keep of i) Written exhaustively minutes book and ii) Written not in detail records
7. Participation of members in i) Majority of the members take part in discussions discussions-High during meetings ii) Some members take part-medium iii) Only few members take part-low
10 5
10
10 8 3
Criteria of Evaluation i) Democratic and independent ii) Only few jointly take the decisions
Marks Card
10
10 5
10
10
8 8
iv) Savings are only 2-3 times but remitters are not in majority
v) Majority remit only once a month vi) Savings are one time only but remitters are not in majority (more than 60% are considered majority)
5
3 1
Parameter
10. Savings Pattern
Criteria of Evaluation
Marks Card
10 10 8
I) Savings more than Rs. 5000/ month ii) Rs. 3000 to Rs.5000
5
3 10 10 3
Parameter 12.
Criteria of Evaluation
Marks Card 10 2
2
2
v) In the meeting it is examined whether the loan is properly repaid without any default and if any loanee defaults required steps are advised.
Parameter
Criteria of Evaluation i) Interest rate is same irrespective of source of funds ii) Interest rate depends on source of funds
Marks Card
10
5 3
5
3
10
i) More than 80% ii) Between 50 to 80% iii) Less than 50%
10 5 3 20
20
15
8 0
Criteria of Evaluation i) If 60% or more members having functional literacy ii) 40 to 60% iii)20 o 40 % iv) Less than 20%
Marks Card 10 10 8 5 3 20 3 2 4 4
i) Attendance register ii) Minutes Book iii) Savings register iv) Loan register
v) Cash Book
vi) General Ledger vii) Bank Pass Book
2
3 2
Parameter 18. Awareness of the members regarding the norms, the rules and regulations of the group.
Criteria of Evaluation
Marks Card 10
10
5 0
Note: the average percentage of attendance for the last three months should be reckoned.
Avg. attendance = Sum of attendance for each meeting/ Total number of meetings.
Attendance
Out of the 200 marks self help groups which obtain more than 150 marks (75%) are eligible to be linked with the banks for credit.
The self help groups which score less than 150 marks need to be linked to the banks or the financial institutions only after improving the score. The members of such group should discuss among themselves the various means of improving the score and re-evaluation shall be done after a gap of three months.