3. training design & implementation 2. identifying training needs 4. evaluations the issues ...
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3. TRAINING DESIGN & IMPLEMENTATION
2. IDENTIFYING TRAINING NEEDS
4. EVALUATIONS
THE ISSUES
While around 50% cultivator households in India are indebted, only 27% of debt is sourced from formal sector
Yet there are over 44,000 rural & semi-urban bank branches, offering the potential to improve financial inclusion
Possibility that barriers to effective outreach arise from ‘attitudinal’ factors was investigated in earlier project
BACKGROUND: The Earlier Project
(Jones et al, 2003, funded by DFID)*
60 BMs in Datia, Betul & Indore districts of Madhya Pradesh (MP) interviewed re their perceptions of:
clients/rural context
their organization (bank)
selves (goals, resources, risks)
quantitative & qualitative analyses revealed negative attitudes
BMs with more training were less negative
Training identified as means of promoting innovation & encouraging positive attitudes
BASELINE SURVEYS
Conducted with & by collaborators, to examine:
existing training provision & materials
(informed by banks - staff, trainers, training
institutes, & non- financial companies)
bank services (informed by individual
clients & SHGs)
AREAS OF TRAINING NEED IDENTIFIED
problem-solving in rural context
(eg re rural lending)
social skills development
development of positive attitudes to
selves, organization & poor clients
participatory & innovative training methods
TRAINING
positive concurrent evaluations by trainees & trainers
ATTITUDE CHANGEpre- & post- training attitude measures (developed via earlier Project)
demonstrated significant positive attitude change.
OUTCOME EVALUATIONvisits to bank branches 2½ - 3 months after training by C.P.Mohan &
A. Sharrma (CAB), & UoR interviewers
12 accessible & representative branches chosen
semi-structured interviews in each location with branch manager (BM),
bank staff group, individual clients & bank-linked SHGs
barriers to achieving action plans included lack of resources (staff &
time), language, NPAs & environment/infrastructure, but:
all BMs had increased confidence, & majority evidenced more positive
attitude & behaviour towards poor clients & increased empowering of
bank staff
new initiatives were under way, including lending for new activities;
client base was expanding
SUSTAINABILITY
training programme successful due to being demand-led, innovative in
content & style, balanced in attention on the individual as well as on
collective issues, & supported by senior banking officials; it is now
mainstreamed within CAB
FUNDED BY DFID/EDIF
CONDUCTED BY:
University of Reading (UoR):
School of Agriculture, Policy & Development
(Dr Howard Jones & Esse Nilsson)
School of Psychology & Clinical Language Sciences
( Dr Marylin Williams)
& Reserve Bank of India (RBI) (Dr Yashwant Thorat)
IN COLLABORATION WITH:
College of Agricultural Banking (CAB);
CARE, India;
All India Women’s Conference;
Confederation of Indian Industry;
Bank of India (BoI); Central Bank of India (CBI)
……………………………………………..
*Ref:Jones,JHM, Williams,MJ, Thorat,YT & Thorat,A (2003) Attitudes of Rural Branch Managers in Madhya Pradesh, India, toward their Role as Providers of
Financial Services to the Poor. Journal of Microfinance, 5, 2, 139-167
1. ISSUES & BACKGROUND
PpA Training Programme addressing attitudes of staff delivering financial services to the rural poor in India: design & evaluation
TRAINING OF TRAINERS
As pilot
To achieve sustainability
TRAINING MODULES IMPLEMENTATION
Training of 2 groups of BMs from Dhar &
Hoshangabad districts of MP
44 BMs of CBI, BoI & Regional Rural Bank (RRB)
branches
Residential for 12 days, at BoI & CBI training
institutes, Bhopal
Each group developed plans to achieve on
their return
Module Delivery/
Facilitation
Focus
Knowing yourself Aavishkar Centre
Psychological evaluation
Knowing your organization (bank) Mankidy Associates
Role-efficacy, role-making & self-awareness
The banks and rural poverty in India to date
CAB/RBI Rural credit and poverty alleviation – an unfinished agenda
Poor livelihoods: the poor as clients: conventional & MF approaches
CARE, CAB, UoR
Poverty, rural livelihoods & innovative financial service remediation
[Poster presented by Dr Marylin Williams, University of Reading,UK]