When a bank starts microfinance initiative in a rural area, is the branch manager prepared for the challenges?
No. The branch managers are not able to provide the training. Mostly the intermediaries like NGOs are performing that role. Like Spandana in Andhra Pradesh, Saadhan in Delhi or SEWA in Ahmedabad. These NGOs try to organize people in groups and train them. However, they are able to do it in a very limited scale. If 15 people are joining together to form a self help group (SHG) then they may be trained in this manner. But it is not happening in an organized manner. The question is who will fund a large scale training exercise. How do ideas and principles of microfinance reach the man on the field? In my view the trainer should visit locations with a cluster of prospective beneficiaries and conduct sessions. He should be willing to stay there and assemble people in the evenings, because most of the poor people work through out the day. They may not come for full day training and find out leisure time and suitable adjust the class timings. And it should be delivered in the regional languag
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