What is grading and how is it done?
Grading is a process by which the SHG is evaluated on 10 points. These are: 1. regular meetings; 2. the presence of all members in the meetings; 3. constructive and proactive participation of members in the meetings; 4. regular savings; 5. knowledge of the groups rules by the members; 6. regular internal give and take of loans; 7. regular return of loans; 8. maintenance of books and records; 9. homogeneity; and 10. an understanding of the concept of poverty and SHGs role in removing it. Maximum points on the grading: 100 More than 85 points: A: very good Between 75 and 85 points: B: good Below 75 points: C: improvement required If the SHG is graded at 75 points and above, only then does it become eligible for the CCL.
