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Suggestions for long term sustainability of SHG-Bank linkage program:-

Encouraging SHGs in Excluded Regions

Capacity building of Government functionaries

Check on corruption/commission while sanctioning and upgrading the loan

Maintenance of participatory character of SHG movement

Identification of poor by the NABARD

Incentive package for NGOs

Avoid ‘ever-greening’ of loans

Transparency in maintenance of records

SHGs to evolve norms for distribution of surplus

Identification of income/employment generating activities

ICT technology and product innovation

 

2. Difference between SHGs and Cooperative Societies. Approach:Answer:3. Critically analyse the change in the nature of civil society in India due to the entry of a large number of professional and well-funded NGOs in it. Also discuss the dilemmas and the limits that this development has created for the civil society.Answer:4. Involvement of civil society in the policy-making process makes a democracy more participative in nature. Examine the above statement in the context of India.Answer:5. While difference in opinions exist between the State agencies and the Voluntary Organizations, the State recognizes the need to preserve, protect and nurture an enabling environment for the development of the Voluntary sector. Explain in context of the National Policy on the Voluntary sector.Answer: