The loans per SHG increased to Rs.42,620 during 2004-05 from an average of Rs. 36,179 in the previous year, reflecting the process of deepening of the credit access amongst the SHGs.
New Paradigm It is clear that the dominant theme so far has been of extending micro-credit through Bank-SHG linkages, with NABARD playing a leadership role and micro-finance institutions, mainly NGOs, playing a catalytic as well as enabling role at the gross root level. However, there is clearly an emerging new paradigm in the approach to micro-finance.