The purpose of this booklet is twofold. First, it is intended to draw attention to the key role of self-help groups and non-government organisations (NGOs) in providing better access to credit for the poor in developing countries. Second, it provides NGOs and self-help groups with practical guidelines for the formation and operation of self-help credit management groups.
The booklet is based generally upon the detailed country studies carried out within the Banking with the Poor project. In addition, it draws specifically on the experience of particular members of the BWTP Network, including the experience of the Mysore Resettlement and Development Agency (MYRADA), a prominent NGO which has organised large numbers of credit management groups in southern India. The National Bank for Agricultural and Rural Development (NABARD) and Vysya Bank, both involved in linkage programs with MYRADA, also contributed significantly to the preparation of the booklet.