Annexure to Circular No. Adv-65 / dated RATING MODEL FOR SELF HELP GROUP FOR FIRST DOSE/LINKAGE

Transcription

1 Annexure to Circular No. Adv-6 /01-13 dated RATING MODEL FOR SELF HELP GROUP FOR FIRST DOSE/LINKAGE Name of the SHG: Village: Name of the sponsoring agency: Date of SB Opening: Account number: Sl. No. Parameters Means of Measurement RATING SCALE Marks Awarded ORGANISATIONAL INDICATORS Age of the group Passbook/Resolution book one year and above Six months and above but less than 1 year 3 Less than six months 0 Group Size Resolution book Members between 16 and 0 Members between and 1 3 Members less than -In hilly tracts/regions and predominantly tribal dominated areas where communities are dispersed, smaller groups of less than can also be considered and appropriate higher marks can be awarded 3 Composition in group meeting i) a. Target group only (Social Status) b. Having 1 to non-target group 3 c. Having > non- target group 0 ii) a. Homogeneous group (Economic status) b. Mixed group 3 Total Organisational Indicators 4 OPERATIONAL INDICATORS Monthly meeting ( If the omission/change is due to death or illness hindering mobility, change of location/residence the group may be awarded the best scoring available.) Frequency of meeting i. a. 4 meetings b. to 3 meetings 8 c. 1 meeting Regularity of conducting meetings ii. a. Regular b. irregular for < months c.irregular for months and above 0 Meeting Attendance Resolution book More than 90% 7% to 90% 7% to 60% 3 Less than 60% 0 6 Participation /activity Active by majority Moderate 8 Domination by few noticed 3 7 Drop out Rate ( If the omission/change is due to death or illness hindering mobility, change of location/residence the group may be awarded the best scoring available.) All starting members present Change/omision of 1- members 8 Change/omision of - members 3 Change /omission of > members 0 8 Banking Transaction (It is desirable that for making remittances, the members come to the Bank on rotational basis. While for making any withdrawal the authorized and observation representatives are required to come to the Bank and in branch they may be accompanied by atleast one or two other members.) Most of the members come for cash deposit/withdrawal on rotational basis. Few common members come for cash deposit/withdrawal 8 Only representatives come for both cash deposit and withdrawal. 3 1

2 Annexure to Circular No. Adv-6 /01-13 dated Loan ledger/cash 9 Repayment rate of Internal /Group loan book/general Ledger/Pass book Repayment rate is 0% Repayment rate is 9% - <0% Repayment rate is 90% - <9% Repayment rte is <90% 0 House keeping All registers of SHG (Maintenance, upkeep, custody and general maintenance of accounts etc.) All books completely updated available for inspection at all times Major part updated - generally available for inspection with 8 minimum delay Updating is poor - books generally not available for inspection 0 in many occassions Total Operational Indicators FINANCIAL INDICATORS Savings Savings ledger/general ledger/pass book Frequency of savings 4 times a month -3 times a month 7 One time a month 3 Regularity of savings (If all the members are saving regualrly as per the groups rules viz weekly/fortnightly/monthly maximum marks should be awarded. If there is default in savings by some memebrs the related mark matrix should be selected.) If 0% If 7% to 0% 8 If 0% to 7% If less than 0% 0 Flexibility of savings Fixed amount Optional amount Utilization of savings by grant of group/internal loans( Branch Manager before linkage should ensure that internal lending is based on priority and the loanee is decided by the group itself. If Office Bearers are found to Loan ledger/gl/resoultion have availed loan at the beginning itself (for new groups) book or availing loan repetitively (for repeat linkage) Branch Manager should make enquiry to understand if there is any underlying vested interest with the Office Bearers. ) Above 80% Above 0% upto 80% Less than 0% 3 No group loan 0 1 Interest on group loans Loan ledger/gl Depending upon the purpose 1% to 4% 8 More than 4% 0 13 Book keeping All registers Attendance registrar 1 Minutes book 1 Loan ledger Savings ledger Cash book 1 General ledger Bank pass book(group) 1 Velocity of internal lending = Total Loans 14 disbursed/group Corpus (Group corpus will comprise of total savings and from SB /Term deposit account from Loan ledger/gl/cash book bank less if any grant availed mobilized by the group, interest earned on internal lending and from SB /Term deposit account from bank less if any grant availed.) Over 1. times 1 to 1. times 7 Less than one time 3 Total Financial Indicators

3 Annexure to Circular No. Adv-6 /01-13 dated SOCIAL INDICATORS Educational level >40% members having functional literacy If 40% or less All illiterates 0 Awareness about Govt. sponsored programmes and banking procedures among the members If all are aware More than 70% are aware 4 30% to 70% are aware Social activities taken up by group (e.g. enrolling school dropouts, support to orphan, following of health & hygiene norms /immunization, helping abandoned women etc.) If all are aware More than 70% are aware 4 30% to 70% are aware Total Social Indicators SELF SUFFICIENCY INDICATORS Capacity building Training attended in Accounting & house keeping Group representatives & others Only group representatives 4 None 0 19 Skill set of members > 70% having proficiency in one or more Skill(s) -like Handicrafts, Village industry, agriculture & allied activities, pettet trade, small business etc 30% - 70% having proficiency in Skills 4 < 30% are skilled 0 0 Dependence on NGO/SHPI Book-keeping Done by the group Done by the group with the help of NGO staff 3 Fully done by NGO/meagre involvement of the members 0 Banking transactions & decision making All transactions independently carried out and decisions independently taken by the group Interferance of NGO visible in some cases 3 High interference of the NGO 1 Total Self-sufficiency Indicators Total score Organisational+Opeartional+Financial+Social+Selfsufficiency Normalise to 0% Total final score 0 Rating Matrix For Final Rating Score Rating Grade Band Prime 90% and above AAA 8% to < 90% AA 80% to < 8% A 7% to < 80% BBB 70% to < 7% BB 6% to < 70% B 60% to < 6% CC 0% to < 60% C < 0% Group falling in band "AA" & above is eligible for credit linkage 3

4 Annexure to Circular No. Adv-6 /01-13 dated Name of the SHG: Name of the sponsoring agency: Date of SB Opening: SL.No. RATING MODEL FOR SELF HELP GROUP FROM SECOND DOSE/LINKAGE ONWARDS Village: Account number: INDICATORS Means of Measurement Rating scale Actual Mark ORGANISATIONAL INDICATORS 1 Group Size Resolution book Members between 16 and 0 Members between and 1 3 Members less than -In hilly tracts/regions and predominantly tribal dominated areas where communities are dispersed, smaller groups of less than can also be considered and appropriate higher marks can be awarded. Composition in group meeting i) a. Target group only (Social Status) b. Having 1 to non-target group 3 c. Having > non- target group 0 ii) a. Homogeneous group (Economic status) b. Mixed group 3 3 Rotation of leadership in group meeting/cbs menu At regular interval ( atleast once in a year) Some times 6 Hardly / not at all 0 Same leaders continue with the consent of other members Total Organisational Indicators 4 OPERATIONAL INDICATORS Monthly meeting ( If the omission/change is due to death or illness hindering mobility, change of location/residence the Frequency of meeting Resolution book i. a. 4 meetings b. to 3 meetings c. 1 meeting 3 Regularity of conducting meetings Resolution book ii. a. Regular b. irregular for < months 0 c.irregular for months and above 0 Meeting Attendance Resolution book More than 90% 7% to 90% 7% to 60% 0 Less than 60% 0 6 Participation /activity Active by majority Moderate Domination by few noticed 0 4

5 Annexure to Circular No. Adv-6 /01-13 dated Drop out Rate ( If the omission/change is due to death or 7 illness hindering mobility, change of location/residence the group may be awarded the best scoring available.) All starting members present Change/omision of 1- members 6 Change/omision of - members 0 Change /omission of > members 0 8 Banking Transaction (It is desirable that for making remittances, the members come to the Bank on rotational basis. While for making any withdrawal the authorized and observation representatives are required to come to the Bank and in branch they may be accompanied by atleast one or two other members.) Most of the members come for cash deposit/withdrawal on rotational basis. Few common members come for cash deposit/withdrawal 6 Only representatives come for both cash deposit and withdrawal. Loan ledger/cash 9 Repayment rate of Internal /Group loan book/general Ledger/Pass book Repayment rate is 0% Repayment rate is 9% - <0% 4 Repayment rate is 90% - <9% 0 Repayment rte is <90% 0 House keeping All registers of SHG (Maintenance, upkeep, custody and general maintenance of accounts etc.) All books completely updated available for inspection at all times Major part updated - generally available for inspection with minimum delay Updating is poor - books generally not available for inspection in many occassions 0 11 Auditing of group account Audited accounts of SHG Audited upto date (as of March of every year) Audited upto last year (1 year accounts not audited) 7 Accounts not audited for more than 1 year/ 3 Not audited since inception - Total Operational Indicators FINANCIAL INDICATORS Savings Savings ledger/general ledger/pass book Frequency of savings 4 times a month -3 times a month 7 One time a month 3 Regularity of savings (If all the members are saving regualrly as per the groups rules If 0% If 7% to 0% If less than 7% 0 Flexibility of savings Fixed amount Optional amount Utilization of savings by grant of group/internal loans( Branch Manager before linkage should ensure that internal lending is based on priority and the loanee is decided by the group itself. If Office Bearers are found to Loan ledger/gl/resoultion have availed loan at the beginning itself (for new groups) book or availing loan repetitively (for repeat linkage) Branch Manager should make enquiry to understand if there is any underlying vested interest with the Office Bearers. ) Above 80% Above 0% upto 80% Less than 0% 0 No group loan 0

6 Annexure to Circular No. Adv-6 /01-13 dated Interest on group loans Loan ledger/gl Depending upon the purpose 1% to 4% 8 More than 4% 0 14 Book keeping All registers Attendance registrar 1 Minutes book 1 Loan ledger Savings ledger Cash book 1 General ledger Bank pass book(group) 1 Velocity of internal lending = Total Loans 1 disbursed/group Corpus (Group corpus will comprise of total savings and from SB /Term deposit account from Loan ledger/gl/cash book bank less if any grant availed mobilized by the group, interest earned on internal lending and from SB /Term deposit account from bank less if any grant availed.) Over 1. times 1 to 1. times 7 Less than one time 0 16 Loan use pattern and resolution book > 0% for income generating activity 0-0% for income generating activity <0% for income generating activity 0 Total Financial Indicators SOCIAL INDICATORS Educational level >40% members having functional literacy If 40% or less All illiterates 0 18 Awareness about Govt. sponsored programmes and banking procedures among the members If all are aware More than 70% are aware 3 30% to 70% are aware 1 19 Social activities taken up by group (e.g. enrolling school dropouts, support to orphan, following of health & hygiene norms /immunization, helping abandoned women etc.) If all are aware More than 70% are aware 30% to 70% are aware 3 0 Community activities taken up by group (e.g. school, road, water etc.) Two or more One None so far 0 Total Social Indicators 6

7 SELF SUFFICIENCY INDICATORS 1 Capacity building Training attended in Accounting & house keeping Group representatives & others Only group representatives None 0 Training in entrepreneural activity More than 70% undergone 30% to 70% undergone 3 Less than 30% undergone 0 Skill set of members Annexure to Circular No. Adv-6 /01-13 dated > 70% having proficiency in one or more Skill(s) -like Handicrafts, Village industry, agriculture & allied activities 30% - 70% having proficiency in Skills 3 < 30% are skilled 0 3 Dependence on NGO/SHPI Book-keeping Done by the group Done by the group with the help of NGO staff Fully done by NGO/meagre involvement of the members 0 Banking transactions & decision making All transactions independently carried out and decisions independently taken by the group Interferance of NGO visible in some cases High interference of the NGO 0 Total Self-sufficiency Indicators Total score Organisational+Opeartional+Financial+Social+Selfsufficiency 0 0 Normalise to 0% Total final score 0 Rating Matrix For Final Rating Score Rating Grade Band Prime 90% and above AAA 8% to < 90% AA 80% to < 8% A 7% to < 80% BBB 70% to < 7% BB 6% to < 70% B 60% to < 6% CC 0% to < 60% C < 0% Group falling in band "A" & above is eligible for credit linkage 7