Methodologies

Mahasemam Trust started its operations under SHG model. Inspired by the success of the Grameen Bank Model of Bangladesh, it gradually reengineered its operations on the lines of Grameen Bank Model. Today Mahasemam Trust not only replicates Grameen Bank Model, but it has further effected necessary changes making it more apt for the Indian conditions. This progressive adoption is ably reflected in its loan recovery rate which stands at 99.1%. Under this model, we categorize 5 members who constitute a group, and 8 such groups come together to form a center. Thus in each centre there are 40 women members. A Field Development officer is responsible for coordinating and guiding the activities of 12-15 centers. The branch consists of 40 -50 such centers, which in turn is headed by the branch manager.