2004 Institutional Action Plan for Practitioners in Developing Countries
Name of Institution (please print):National Bank for Agriculture & Rural Development (NABARD) Country: India
It is not expected that every institution will undertake all of these activities..
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Strategic Objective |
As of 31 March 2002** (Actual) |
As of 31 March 2003 (Actual) |
By 31 December 2003 (Actual) |
By December 2004 (Proposed) |
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1 |
Total number of active clients (clients who currently have a loan)
i) No. of Self Help Groups(SHG) ii) Average member per SHG iii) Total clients |
4,61,478 17 78,45,126 |
7,17,360 15* 1,07,60,400 |
8,81,154 15* 1,32,17,310
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10,00,000 15 1,50,00,000 |
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2a |
Total number of active clients who were among the poorest (##) when they received their first loan |
62,76,100 |
86,08,320 |
1,05,73,848 |
1,20,00,000 |
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2b |
What poverty measurement tool was used to determine Number 2a (e.g., estimate, CASHPOR House Index, Participatory Wealth Ranking, CGAP Poverty Assessment Tool, household survey, Below Poverty List prepared by the government, or any other method)?[1] |
SHG is a pro-poor product by design. The partner institutions use a host of approaches for identifying the target clients |
Same as in the previous column |
Same as in the previous column |
Same as in the previous column |
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2c |
Percent of Number 2a, above, who are female |
90% |
90% |
90 % |
90 % |
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3 |
a) Average first loan per SHG member/ individual (in US$) b) Average first loan per SHG (in US$) |
US$ 28.6 # US$ 483.5
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US$ 38.4 # US$ 620.8 |
US$ 46.28 US$ 694.2 |
US$ 50.00 US $ 750 |
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4 |
Total number of active savers(SHG with saving accounts) |
9 million |
11 million |
15 million |
20 million |
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5 |
Average total savings per saver (in US$) |
US$- NA |
US$- NA |
US$- NA |
US$- NA |
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6a
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Percentage of clients who were among the poorest when they took their first loan and have now crossed the poverty line. |
Not targeted as a poverty alleviation programme, hence not monitored to see if the client has crossed poverty line. Internal and external studies do document the socio-economic progression and sample studies do exhibit about 80% of the groups linked ( members of SHGs) to the banking system for the past three years have crossed the poverty line. This methodology has been accepted by the Government as a poverty alleviation approach with some modifications. |
As in previous column % |
As in previous column % |
As in previous column % |
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6b |
What impact measurement tool was used to measure Number 6a (e.g. AIMS, estimate, other) |
Impact evaluation –studies internal and external agencies including international consultants |
As in previous column |
As in previous column |
As in previous column |
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7 |
Financial services, in addition to credit and savings, offered to clients who were among the poorest at the time of their first loan. (For example: life insurance, health insurance, cattle insurance, pension plans, etc.)
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Insurance, kissan (farmers) cards, remittance facilities, mobility support and a host of other government programmes are delivered thru SHGs in many provinces |
Insurance, kissan (farmers) cards, remittance facilities, mobility support and a host of other government programmes are delivered thru SHGs in many provinces |
Insurance, kissan (farmers) cards, remittance facilities, mobility support and a host of other government programmes are delivered thru SHGs in many provinces |
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8 |
Business development services offered to clients who were among the poorest at the time of their first loan. (For example: training, on-site technical assistance, marketing assistance, etc.)
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SHG related training for clients , SHG leaders- on bookkeeping , conflict resolution , group dynamics etc |
SHG related training for clients , SHG leaders- on bookkeeping , conflict resolution , group dynamics etc |
SHG related training for clients , SHG leaders Enterprise development and management training for partner NGOs |
SHG related training for clients , SHG leaders Enterprise development and management training for partner NGOs and their clients |
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9 |
Percent financial self-sufficiency: (What percent of your operating and financial expenses are you covering with income from interest and fees?) |
Not applicable – NABARD is development financial institution with multifarious activities and functions. This includes developmental functions, credit and supervisory functions. It has an asset base of US$ 12 Billion and reports a post tax profit of US$ 300 + million continuously for the past few years. |
NA– see previous column
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NA– see previous column
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NA– see previous column
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Is your institution a member of one or more national, regional, or global microfinance network(s)? Yes / No If yes, please list here:
__________________________________________________________________________________________________________________________
If you have more than 2500 active clients, who were among the poorest when they received their first loan, can you refer us to two institutions that can verify the numbers you have reported (preferably a donor agency or research institution)?
Dr. Brigitte Klein, German Technical Cooperation, GTZ, New Delhi klein@gtzindia.com
Mr.J.M. Mathew, Director, Banker's Institute of Rural Development bird@sancharnet.in
Note: NABARD is an apex level development financial institution involved in promotion, development, refinancing banks and financing mFIs, NGOs, government bodies and local bodies in enhancing the awareness and support for microFinance programmes across the country. It partners with over 2800 NGOs and mFIs and over 30000 branches of 504 banks in promotion of microFinance and purveyal of financial services for the poor.
* Average size of SHG reduced to 15 taking into account the size of new groups promoted during the current year and also reflected in sample studies undertaken by NABARD and other external agencies.
# The figure compiled at the lending institution level pertains to loans to SHGs (as indicated at 3b above), which would have varying membership (Av 15 members). The figures indicated for the first loan for SHG members are based on an arithmetic computation. It may however, be noted that while all members of the SHG get credit in rotation, but at any given point of time about 30-40 % members would be borrowing from with in an SHG and hence the actual loan sizes to individuals could be larger than indicated.
(##) “Poorest” indicated refers to those families living on less than $1 a day per capita, purchasing power parity as applicable to India.