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♤ Agricultural Activities: Most of the SHGs work at local level and engaged in agricultural activities. SHGs in rural areas should be introduced to non-agricultural businesses too and should be provided with state-of-the art machinery.
♤ Lack of Technology: Most of the SHGs work with rudimentary or no technology.
♤ Access of market: Also the goods produced by SHGs do not have access to larger market place.
♤ Poor Infrastructure: Most of these SHGs are situated in rural and far reach areas that lack connectivity via road or railways. Access to electricity remains an issue.
♤ Lack of training and capacity building: Most of the SHGs work on their own without outreach from the state for skill development and capacity building.
♤ Politicization: Political affiliation and interference has become a serious problem with SHGs. Political affiliation is also a major reason for group conflicts.
♤ Credit Mobilization: A study has shown that about 48% of the members had to borrow from local money lenders, relatives and neighbors because they were getting inadequate loan from groups. Also issues like hoarding of money was witnessed.
♤ System of monitoring: The general reports on the progress of SHGs show statistics of
growth and spread of SHGs without questioning the process and internal health of the SHGs.
♤ Livelihood promotion: There is need to evolve a methodology for promoting micro enterprises among SHG members that can be replicated on a large scale.