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Impact Report
Self Help Group Program - 2021
Year: 2021
🏷️
Livelihood & Economic Empowerment
Programme at a Glance
₹
3,86,000
Budget Used
14,224
Total Reach
◎
2,032
Direct Beneficiaries
12,192
Indirect Beneficiaries
↗
1 : 6
Multiplier Effect
Executive Summary
The Self Help Group (SHG) Programme 2021 was implemented by The Dream Welfare Society to promote financial inclusion, collective savings, livelihood enhancement, and social empowerment among women from marginalized communities. With a total investment of ₹3,86,000, the programme supported 600 SHG members, directly benefiting 2,032 individuals and indirectly impacting 12,192 people across households and communities. The total outreach of 14,224 people reflects a strong multiplier effect (×6), highlighting the effectiveness of women-led, group-based development models.
Key Findings
- SHGs are effective platforms for financial inclusion and empowerment
- Group-based savings and lending reduce economic vulnerability
- Women-led collectives generate strong multiplier effects
- SHG models are sustainable and scalable with long-term impact
Project Snapshot
| Parameter | Details |
|---|---|
| Project Name | Self Help Group Program - 2021 |
| Year | 2021 |
| Budget | ₹ 3,86,000 |
| Direct Impact | 2,032 |
| Indirect Impact | 12,192 |
| Total Reach | 14,224 |
Challenges & Learnings
Challenges
- Initial hesitation to adopt regular savings practices
- Limited financial literacy and exposure to banking systems
- Fear of financial risk among low-income households
- Need for continuous mentoring and handholding
- Irregular attendance in early SHG meetings
- Social norms limiting women’s mobility and leadership
Learnings
- Continuous engagement strengthens group cohesion
- Peer learning significantly improves savings discipline
- Financial literacy is foundational for SHG sustainability
- Flexible savings amounts improve early participation
- Leadership rotation increases ownership and accountability
Methodology
- Review of SHG formation records and savings registers
- Interviews and group discussions with SHG members
- Observation of SHG meetings and financial practices
- Household-level discussions on income contribution
- Cross-verification with field staff and SHG leaders
Impact Analysis
- mproved regular savings habits
- Increased access to micro-credit and internal lending
- Reduced dependence on informal moneylenders
- Improved ability to manage household expenses and emergencies
- Enhanced livelihood activities through group enterprises
Conclusion
The Self Help Group Programme (2021) successfully generated strong economic and social impact by reaching 14,224 people through a structured, inclusive, and sustainable intervention. By strengthening savings behavior, credit access, and collective decision-making, the programme enhanced financial resilience, women’s empowerment, and community cohesion—reaffirming SHGs as powerful instruments for inclusive growth and long-term social transformation.
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