Self-Help Group By-laws

The name of the group shall be --------------------------------------------

The ------------------------------------------------------------- (name of the group) shall be located
invillage(Area) ---------------------------------, Janseva Branch -----------------------,District -----------------------
State ----------------------------Address of the group is ------------------------------------------------- -----------------
--------------------------------------------------------------- ----------------------------------------------------------------------
------------------------------------------------- Pin code: ----------------------------3
The objectives of the ----------------------------------------------------- (name of the group) are:

To promote saving habit on a regular basis amongst the members;

To get rid of interest based saving and avail grant and low Interest Loan
To make available cash credit on easy terms primarily to expand/start IGAs and secondarily to meet
urgent domestic needs
To form a group which would be eligible for receiving benefits from other Government programs;

To build leadership skills of the members so that they can manage the group in rotation

Membership

Persons between18 and 55 years of age at the time of joining, who are:
Capable of physical labor required for an IGA (Income generating activities)
Desirous of saving her/his money with --------------------------------------------- (name of the group)
Willing to take Interest free loan from the ------------------------------------ (name of the group) forIGA
(Income generating activities)
And willing to start or expand an IGA with ----------------------------------------- (name of the group)
Not more that 2 members of a family shall be allowed to join a group
The total numbers of the member neither l
Only Marred/widow women which have desire to generate income for increasing family statusof
living

Savings

Every member shall save Rs--------------- per month on ------------------------ (date), on which all
members will deposit their individual savings to the treasure The -------------------------------------- (name
of the group) members shall decide the savings amount on a regular basis from time to time
If a member does not pay her/his monthly saving money on decided date, s/he will be fined withRs
-------------- per month

Management of the GroupThere shall be a management committee consisting of three persons, viz
President, Secretary and Treasurer, who shall be elected by all the members and amongst the
members for a period of year’s
The three committee members must be from three different families
Two members of the same family should not get elected in the management committee

New committee members shall be elected unanimously

The committee as a whole shall be responsible for strategic as well as day-to-day managementof
the group

It is preferable that Secretary and Treasurer can read and write

In groups wherenone of the members can read and write, it is expected that field coordinator (only
for training)will help the group in maintaining the records
.
Individual responsibilities of the office bearers shall be the following:
President
i) Preside over the regular meetings and any other meetings of --------------------------------------------------
(name of the group);ii) Sign to approve the decisions and resolutions of the meetings;iii)
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all or postpone any special meeting;iv) Solve any complaint with the help of other office bearers and
members, if required;v)
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heck and co-ordinate the activities of Secretary, Treasurer and other members;vi)Maintain liaison
within and outside the ---------------------------------------------- (name of thegroup) especially with
Janseva, AI
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M
EU
S and other sources of help
.
vii)
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oordinate with Field
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oordinator of Janseva for resolved any financial issue
.
vi) Keep a close watch on
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ollection amount received by field coordinator with signature
.
viii) Informed immediately to Project coordinator about any fraud (If found)
.
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O
ne or two years

Secretary
i)
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all meetings with prior permission of the President and prepare agenda for every meeting;ii)
Maintain a record of the proceedings of all regular and special meetings and read them out atthe
next meeting;iii)
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rite resolutions made at each meeting and read them out at the same meeting;iv) The Secretary will
maintain the following registers: Membership details and individual Account register Minutes
of meeting of every meeting
.
v)
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onduct all meetings and chair a meeting if the president is absent;vii) Keep a close watch on
activities of President and Field
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o-coordinator related to
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ollection andamount received by field coordinator with signature
.
vi) Verify the books and accounts of the ------------------------------------------------- (name of the
group)regularly and report to the members in regular meetings
.

Treasurer
i) Preserve important papers and documents related to financial matters;ii) Maintain all accounts of
the ----------------------------------------- (name of the group), i

Collection and demand sheet

CDS Individual Account SHG Account of low Interest loan accounts
Provide cash to the Field
Coordinator within a day of collection
iv) Pay loan to the member along with field
Coordinator approved by the ----------------------------------- (name of the group) to members and
receive savings, repayment, etc;v)
Conduct and preside over the meetings, if President and Secretary are absent);vi) Present all
financial reports of the group along with field coordinator, President and Secretary

Meetings

The group will meet ------------------ time/s every week/month

The dates of meeting/s are ---------------------------------------------------------The Secretary of the group is
supposed to give ----------days notice to the members about such meetings
All members shall have the right to attend and take part in discussions at periodic meetings of the ---
--------------------- (name of the group) and Special Monthly/Quarterly/Annual Meetings

andoffer suggestions from time to time for better management of the ----------------------------------------
(name of the group)

To discuss an urgent and important issue the group will hold special meetings on a shorter notice

If a member does not attend -------------------- consecutive periodic meetings without any
priorinformation, s/he will have to face penalty of Rs

--------------- per meeting (Optional)

Managing the Money

The loan limit for individual shall be decided by the Management

Committee [President,Secretary and Treasurer] in consultation with the members of the group as
per the reason citedor nature of income generating activity

The amount will not exceed (decided by President,Secretary and Treasurer)Rs

____________/- at a time for productive purpose.

No loan can be extended only for consumptive purpose

If a member wants loan for consumptive purpose s/hewill only received grant for it

The loan repayment procedure shall be decided by all members of the ----------------------------------------
(name of the group) in the light of Janseva Interest free loan repayment policy

The repayment schedule must be written in the applicant's saving and loan passbook and thegroup's
saving and loan register at the time when the loan is sanctioned
For a loan a written application addressed to the president of the --------------------------------(name of
the group) will be considered during the periodic meetings of the ----------------------------- (name of
the group)

A loan shall be granted provided that The member has repaid any previous loan amount in full,
along with special repayment policy

The proposed loan purpose/income generating activity is viable

The member is saving on a regular basis with the ------------------------------- (

Name of thegroup) for at leastOne year
A member applying for a loan worth more than her/his savings will have to produce twowitnesses
who have not taken any loan earlier from the group
The loan requests approved will be noted in the activity,
CDS and Individual register

These Special Annual General Meetings are meant to review last years activities and financial
progress and plan the activities for forth comingyear
All the income that accrues to the ------------------------------ (name of the group) from business (if
group decide to join a joint venture, profit divided in the ratio which is decided by the -------------------
----------- (name of the group)
.

Withdrawal of MembershipThe group members should discuss in detail the procedure and terms of
refund of money if amember proposes to leave the grou

Disqualification of a MemberA member may be disqualified immediately by the ---------------------------

----- (name of the group)
.
The disqualification criteria are:
1.If s/he has found in any fraud

2If s/he misuse of his/her right

Any other issue if group members found

Maintaining Various Records

Every member will be given deposit card

It is the responsibility of the Treasurer to make allentries
Membership detail,
Collection Demand Sheet (
CDS), Activity register will be kept with theSecretary after resolutions coming out of all meetings
Pass book and loan record sheet with the Treasurer will facilitate up-to-date position of all income
and expenditure, as well as Interest free loan received and repaid
Managing the Accoun tof The --------------------------- (name of the group) account shall be kept in the
nearest bank
Treasurer, President and Secretary (any two) shall have joint signatory power

All withdrawals shall be supported by a resolution of the -----------------------------------------------------

(name of the group)
.

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.
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hange in By-lawsThe rules of the ------------------------------------------- (name of the group) or any
part thereof can be amended by all the members present at a General Body Meeting convened for
the purpose
.
Tomake any change it would be preferable that this change is supported unanimously or by atleast
2/3rd of the total members
.
Janseva has all right to change in the rules and regulation in the bylaws
.
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Such as non participation in group meetings and activities, not saving regularly, not paying the loan received from the
group,not following the rules of the group etc
.

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5
.
Dissolving the GroupIf at some point of time members with majority vote decide to dissolve the
group, the membersneed to discuss the formalities and terms of group money distribution and
group payables andreceivables amongst themselves before the group can be dissolved
.
To dissolve the group itwould be preferable that this proposal is supported unanimously or by at
least 2/3rd of the to
a