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- Cluster consists of 8 to 25 SHG’s
- Clusters carry out the functions of collection loans repayments, savings and other cash transactions, including insurance premium and fee for health services etc.
- Two representatives of the SHGs will assemble at the pre appointed date; time and place with the Cash collected at the Cluster meetings and deliver the same.
- At the same meeting as much as lending disbursements should be done.
- The meeting of cluster is done and located in a place where the radius of travel by the SHG representatives should not exceed 15 Kms approximately.
- The cluster is an informal congregation of SHGs to and for cash delivery to the IDF SHG Federation / IDF FSPL.
- The cash is collected by the Credit Officers of IDF FSPL and moved to the Branch office of NBFC and SHG FED office for further deposit into bank account.
- Recommend loan applications for its quantum, tenure and other terms etc for appraisal by the Credit Manager of IDF FSPL.
- Attending to defaults at the SHG level and pursue for payment
- Attending to the problems of SHG, strengthening member groups.
- Auxiliary support for group formation and motivation.
- Clusters are represented in the SHG Federation management structure, through Cluster Level Associations (CLA). These meet quarterly and are comprised of the Heads of 15-20 Clusters in a similar geographical area
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- Commitment
- Transparency
- Innovation
- Exceptional teamwork
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