Documente Academic
Documente Profesional
Documente Cultură
GRADE - A
All members able to express and
are clear and committed
GRADE - C
Non Existent
Regular as agreed
GRADE - B
Existing in paper not
understood by majority
of members
More than 15
50% of the members
are not from BPL
families
Economic status of 10 49% members
improved
Fairly regular
2.Size of SHGs
3.Economic status of
members, newer
SHGs, older SHGs
10-15
All members are same economic
background/ BPL
90-100%
60-89%
Between 41-79%
involved
Between 14-79%
involved in taking
responsibility
Documented, Rules and
Regulations not
followed
Mandatory Savings
Mandatory
Savings
Amount of
Savings
10.Sanctioning of
loans
11.Loan repayments
12.Rotation of
common fund
(Revolving)
13.Idle capital
-1-
Amount of Savings by
members rigid
Less than 6
75% of the
members are not
from BPL families
No change
Irregular
Savings irregular
Lack of focus in
the SHG
No guidelines for
sanctioning loans
GRADING OF SHG
Areas for Rating
14.Cash handling
15.Resource
mobilization
16.Book keeping and
documentation
GRADE - A
Members on rotation take turns
to handle cash and make Bank
deposit
GRADE - B
Dependent on 1 or 2
members
GRADE - C
NGO handles
Cash
Loans disbursed by
cheque and cash
Loans
disbursement by
cash
No separate Bank
account for SHG
Not aware
No proper system
and not available
SHG members or
a local person not
trained in Book
Keeping
SHG Books of
account not closed
at the end of
Financial year
No system of
audits
19.Level of PWDs
involvement in
Planning,
implementing,
monitoring and
evaluation of
programmes of PWDs
50-74% literate
60 to 89% of the
responses are in
Grade B
18.Training
programmes
Note:
-2-