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• Be flexible. Be prepared to take the suggestions of trainees and modify the training approach if needed.
DON’TS
• Avoid the temptation to act as a source of knowledge. Utilize indigenous knowledge that is not only plentiful but extremely valuable.
• Don’t talk too much. Trainee discussion should take up 75% of the meeting time.
• Don’t be in a hurry to provide a response. If no one offers a response, wait 20-3- seconds. This gives the trainees time to think and gather courage to speak.
• Never ridicule or make fun of a trainee’s response. The act of responding itself can be a big step. Avoid the temptation to rephrase member’s comments in your own words even if they are more precise.
• Try not to let a few dominate the discussions.
• Never dismiss a participant’s comments summarily, however, off point or unpopular they may be. Acknowledge the contribution of the very least and try to move the discussion back on track.
• Don’t follow the sessions blindly. Be aware of whether your trainees are grasping your points or not. You may have to revise earlier points. This training manual will benefit from user’s input on what worked and what didn’t. So keep notes of changes and innovations.
SOME DO’S AND DON’TS FOR THE ORGANISERS:
PREPARATION: DO’S
• Be clear about the objectives of the program and the process of how to conduct the sessions.
• Help to ensure the representation of all groups by soliciting volunteers to attend from each sub-group.
• Select a place for the training session that will accommodate all members.
• Have all the materials, audio visual aids, case studies, etc., ready prior to starting the session.
DON’TS
• Don’t think you can just go and wing it. Proper preparation is essential to a successful session.
• Don’t simply assume you will get a cross-section of community members when a meeting is called.
• Don’t choose a place that is comfortable territory for some members, but not for others.
• Don’t squander women’s time by being ill prepared.
SETTING THE GROUND: DO’S
• Introduce yourself and discuss the proposed program ahead of time with the target group.
• Have the group members sit in a circle to facilitate face to face interaction and have the members introduce themselves.
• Inform the trainees as to how you want to go about the session and summarize the happenings at the end.
DON’TS
• Don’t launch into any training session without properly introducing the agenda.
• Avoid hierarchical seating arrangements.
• Pace the session so that you have adequate time to wrap up the session by summarizing the session’s main points.
The group leaders attend the cluster meetings. They can present the progress of their groups. The specific issues of Group and cluster may be discussed here. Each cluster Association may be quipped with an office where meetings can be held and day to day affairs can be managed there. The rent for this office may be divided equally among the groups.
The cluster association among the other may initiate the following things.
- Promotion of new groups
- Conflict resolution within and between the groups.
- Address the common issues in the cluster area.
- Promote unity and solidarity among the groups.
Once the groups are formed and cluster Associations formed, depending upon their performance, one confederation of these groups can also be formed for addressing larger issues like
1) Interacting with financial institutions like HUDCO, NABARD etc., and to mobilize funds from them to meet larger credit needs of the groups and their members.
2) Promoting new groups and cluster associations and strengthening old once,
3) Involving the members to manage the financial and promotional functions independently and without external subsidies, and
4) Promoting solidarity among the women of different groups and achieves strength through collective action.
Banks as far as possible.
1. Should lend the money to the credit groups at the village credit group level.
2. Should provide loans only to the group but not to the individuals.
3. Groups in turn lend to the individuals.
4. Group pays the loan collectively. The individuals repay to the credit group only.
INTERACTIONS AMONG THE CREDIT GROUPS FOR MUTUAL SUPPORT:
After a few groups are formed in a particular area, the representatives of each group should meet at least once in a month. This would be a meeting ground for exchanging ideas, and to develop rapport between members of different groups. This will act as an opportunity for many to clear their initial doubts about the groups. Many members understand more about the group after attending these meetings. Many issues related to savings, lending and management of groups can also be discussed here.
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