11. Restriction on First 4 loan cycles restricted No restriction in loan No restrictions, ceiling is Rs
purpose of Loan to productive purposes, purposes, it’s at the 10,000 for first year,
thereafter loans for discretion of the SHG increases by Rs 3,000 every
consumption purpose is year
allowed
12. Products Credit, Savings, Insurance Credit only Credit, Savings, Insurance
13. Credit repayment Only for one year One, two and three years Only for one year
period for client (50 weeks) options available for SHGs (50 weeks)
member
14. Repayment Weekly Monthly Weekly
15. Group Formation By Grameen Koota itself By Partner NGO By SKS itself
16. Mode of payments Cash Cheque Cash
17. Operating cost High (?) Low(17%) Low
18. Check on loan Done Periodically through Done only once for Done periodically
utilisation out the loan repayment previous loan before giving
next loan
19. Organisation type Not-for-profit, under Not-for-profit, NBFC under Not-for-profit, NBFC under
Section 25 of Companies Section 25 of Companies Section 25 of Companies
Act Act Act