E-Shakti (Digitisation of SHGs)
In the covid era we all are connected with the digital world, our Women Leaders are also part of this. They are enriching their capabilities through the E Shakti programme. That enabled rural women to empower themselves in the digital world. Financial management became easier for them. This programme strengthens our SHGs for getting Loans and financial approvals from the Banks. We are implementing this project with support from NABARD.
The project aims at digitization of all the SHG accounts to bring SHG members under the fold of Financial Inclusion. DMKK is quite happy that women from marginalized sections, especially those who are coming from such remote areas are now trained in the digitization process. So far we have reached among the 7665 SHGs with the active involvement of 256 animators covering 8 Blocks of Paschim Medinipur District.
Aims and Objectives:
The broader aim of the programme is to support the flagship programmes of GoI by –
- Integrating SHG members with the national Financial Inclusion agenda
- Improving the quality of interface between SHG members and banks for efficient and hassle free delivery of banking services
- Facilitate convergence of delivery system with SHGs using Aadhaar linked identity
Stakeholders of the Project:
Rural poor community and members of SHGs, SHPIs, NGOs, Banks, NABARD, Government development departments and agencies like NRLM/SRLM etc. Benefits of digitisation:
Benefits of digitisation of SHGs are as under –
- Main-streaming of SHG members with national Financial Inclusion agenda to access a wider range of financial services;
- Digitisation of SHG accounts will increase bankers’ comfort in credit appraisal and disbursal;
- Automatic and accurate Rating of SHGs will be available, online for Banks;
- Mapping of persons not covered under Aadhaar and bringing them under Aadhaar platform;
- Ease of transfer of social benefits and DBT through Aadhaar linked accounts and convergence with Governments other benefit schemes;
A comprehensive information base and robust MIS can be developed on poor which may facilitate interventions/ convergence of other programme for social and financial empowerment.