Laxmi Bachat Samooh | YUVA CHETNA KENDRA

Since the middle of the year 1997 Yuva Chetna Kendra is organising people around self help groups. The first group was formed by 13 women in Deoria Nakchhed village in July 1997. Within a month three more groups came up in as many villages Sahodar Patti, Mundera Chand and Dumari Ekhlas. As of now 181 self help groups, named Laxmi Bachat Samooh across all the groups, have been formed. An overview of the groups is presented in the table.

To begin with the group members started saving Rs 10 per month. As the economic base of the members became stronger, their groups raised monthly contribution to Rs 20 to Rs 25. This increase has resulted in faster creation of capital funds with the groups.




To provide leadership to the groups two active members have been selected as team leaders called agua, a word in Hindi meaning leader. All the groups meet twice a month. The first meeting is for transaction of money and the second is for general development planning decision.

In the beginning maintenance of the books of accounts for the groups was done by the organisation's workers. As the capacity of the groups was built through training inputs, this task has been taken over by the groups themselves. General functioning principles and preliminary rules and regulations of the groups have been formed. Detailed rules and regulations have been moulded in the shape of bye laws.




The groups charge 2 per cent per month interest for loans taken by the members. Group members are given 12 per cent per annum interest on their savings. Common purpose for which a group member can take loan are illness in family, agricultural inputs like tilling charges, manure, seeds, irrigation, etc., consumption purpose, marriages, clothes, especially uniforms for school going children, festivals, repairing of homes and travel.

Recently federations of Laxmi Bachat Samooh have come up. These federations have been named Laxmi Samooh. An overarching federation of all the Laxmi Samoohs by the name of Mahalaxmi Samooh has also come up. Mahalaxmi Samooh has to act as a mini bank in the days to come.

Yuva Chetna Kendra has promoted groups of young women and men in parts of operational area.

Groups of young women have been named Mahila Mandal. fourteen Mahila Mandals with a combined membership of 353 have been formed in Ghughuli development block of Maharajganj district.

Groups of young men have been named Yuva Club. There are two 14 Yuva Clubs with a membership of 341 in Ghughli development block of Maharanganj and Yuva Clubs with a membership of 20 in Rudrapur development block of Deoria district.

These groups are not engaged in savings and credit activities. They act as pressure groups to tackle various developmental problems and issues. They also help in mobilisation activities.

The groups have been imparted capacity building training. Group leaders have also been taken to exposure trips so as to enable them to learn by seeing.

Overview of Laxmi Bachat Samooh

    Desahi Deoria Rudrapur Tarkulawa Barhaj Ghughuli Total
No. of Laxmi Bachat Samooh  
60
55
33
9
22
181
  Women
58
54
26
9
22
169
  Men
2
1
4
-
-
7
  Mixed
-
-
3
-
2
5
No. of members  
900
897
495
144
336
2772
  Women
870
882
390
144
300
2586
  Men
30
15
60
-
36
141
  Mixed
-
-
45
-
-
45
Savings (Rs)  
2,000,000
586,500
90,000
42,000
16,190
2,734,690
Internal loaning (Rs)  
6,000,000
1,173,000
120,000
61,000
1,400
7,355,400
No. of groups linked with banks  
36
21
38
5
-
100
Amount of loan/CCL*  
850,000
779,160
580,000
30,450
-
2,239,610

*Cash and credit limit