Evaluating Musculoskeletal Complications Among Individuals With Diabetes Mellitus

Dr. Simran Maheshwari; Dr. Subhan Quraishi; Dr. Babita Ghodke

Volume : II, Issue : VI, June - 2013

Evaluating Musculoskeletal Complications Among Individuals With Diabetes Mellitus

Dr. Simran Maheshwari, Dr. Subhan Quraishi, Dr. Babita Ghodke

Abstract :

An SHG is a group of 10–20 individuals, voluntarily formed and related by affinity for a specific purpose. It is a group whose members use savings, credit and social involvement as instruments of empowerment. The group opens a savings account in a nearby bank anch. The group will keep a minimum balance for meeting any crisis needs and deposit the rest in a bank. The leaders jointly operate the bank account. While the leaders withdraw the cash from the bank, members are expected to deposit the cash by rotation. Such a system will help familiarize the bank to the members. A system will be developed to ensure accountability for cash in hand and to minimize the risk of fraud – usually the cash will be kept in a locked box and in the custody of one leader while the key will be with another leader. The groups will maintain simple records and books of accounts to document the SHG operations and transactions. The documentation related to the operations of the SHG such as meeting proceedings, resolutions passed, attendance of the members etc., will be recorded in the minutes book and attendance register. The financial transactions related to savings, loans, income and expenditure would be recorded in the books of accounts. The members are also provided with a passbook, wherein their transactions with the SHG are recorded in detail. The Predominant model in the Indian Micro finance context continues to be the SHG Bank Linkage Model that accounts for nearly 20 million clients. It started as an Action Research Project in 1989. Under this model, Self Help Promoting Institution usually a NGO helps groups of 15–20 individuals through an incubation period after which time they are linked to banks. There are three linking models in the country