GS2 · 10 marks · 150 words

The SHG-Bank Linkage Programme has been hailed as an indigenous tool for poverty alleviation in India. Examine its impact on improving rural livelihoods and reducing multi-dimensional poverty.

Answered by 7 toppers · CSE 2023–2025

NGOs, SHGs and Civil SocietyPoverty and HungerWelfare SchemesWomen and Gender

Syllabus: Development processes and the development industry —the role of NGOs, SHGs, various groups and associations, donors, charities, institutional and other stakeholders.

How toppers approached it

From all 7 answers · about 160 words · 57% drew a diagram.

Opening

  • A date or context43%
  • No separate opening43%
  • A figure14%

Body

  • Points57%
  • Points and prose43%

Close

  • A summary43%
  • A way forward43%
  • A source14%

The toppers’ answers

Raghav JhunjhunwalaAIR 4 · CSE 2025 · 130 wordsTheir whole copy

Opening · a date or context

SHG-BLP was launched by NABARD in 1992 upon SK Kalia committee recommendations.

Body · points and prose

Diagram
- Tool for poverty alleviation (1) -> Direct and formal credit linkage (2) -> Accounting and managerial support (3) -> Accountability checks

Impact on livelihoods & Poverty Reduction

(1) over 14 million families are benefiting from SHG-BLP (NABARD SAS) (2) micro-credit provision to take up own endeavours. (3) capacity building as against charity approach. (4) Financial Independence for women and their families. (5) care Economy to monetized Economy (6) over 1cr. females became Lakhpati Didi via initiatives like 'Drone Didi' (7) Improved nutritional levels of children. (8) Freedom from Debt trap & Informal lending (sahukars)

Way Forward

(1) -> overcoming challenges of patriarchy, casteism (2) -> Enhanced civil society role: Ex: Dhimsa Radio, social cops (3) -> capacity building.

Close · a way forward

Ex: 3-tiered structure of Kerala's Kudambashri

Thus; SHG-BLP has played critical role & holds further potential for Sabka Saath, Sabka Vikas.

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