1. INNOVATIVE TYPES OF MEMBER-BASED ORGANIZATIONS: WHAT DIFFERENCE DO THEY MAKE FOR WOMEN? Lessons and questions from Indian cases Alison Mathie and Yogesh Ghore Coady International Institute
10. Producer Company: Hybrid Structures evolve with changing objectives and functions Coady Institute, January 2012 Structure Function Joint Venture Company Private Limited Co Value addition and marketing Producer Company (National Collective) Aggregation, Marketing and bulk purchase of inputs for the MBTs Mutual Benefit Trust (MBT): First tier Producer Organization (20-30 primary producers) Production, Quality control and sales Self-help Groups (Informal affinity groups) Saving and Credit
17. CASE-STUDY 3 SHG-Bank Linkage model Coady Institute, January 2012 What is the innovation? Informal collectives (Self Help Groups – mostly women, mostly rural) in India are now able borrow money from formal banks to on-lend to their members. No formal registration is required. No bank approval of individual loans is required. SHGs access loans on the basis of credit worthiness.
Moses Coady famously said: “They will use what they have to secure what they have not” At minimum people have an associational base of social networks and informal ways of organizing to secure a livelihood. The Antigonish Movement linked this capacity to relatively recent provisions in legislation for formal cooperatives and credit unions so that local capacity could be translated into social and economic transformation.