Experience of the states which have achieved significant progress in SHG-Bank Linkage reveals that use of community level resource persons or Bank Sakhis has been extremely useful. The criteria for selection of Bank Sakhis and the potential functional responsibilities that they can play in promoting bank linkage are outlined below:
Bank Sakhi should be selected by VO. In case VO is not formed, she should be selected by an informal committee with representatives drawn from different SHGs.
The key responsibilities of Bank Sakhi are as follows:
Whenever leaders of SHGs/ members of SHG visit the bank to deposit/ withdraw money, the bank Sakhi should help the SHGs in:
Whenever leaders of SHGs/ members of SHG visit the bank for linkage, the Bank Sakhi should help the SHGs in:
As a trainer, Bank Sakhi should:
Bank Sakhi should also help the bank linkage sub-committee in the following:
Bank Sakhi is a resource person working for the Community Institutions (VO or CLF). As such, payment of honorarium should be made to Bank Sakhis by the CBOs receiving their services and not by the Mission units. It should be ensured that all Bank Sakhis are paid honorarium for the number of days that they work. However, as the CBOs may not have adequate surpluses in the initial period, the SRLM may provide some funding support to the CBOs such that they pay some honorarium to the Bank Sakhis. But such contribution should be routed through CBOs and not directly paid to individual Bank Sakhis
Bank Sakhi may be paid from the earning of the community institutions from the following sources:
Source : National Rural Livelihoods Mission
Last Modified : 4/15/2021
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