• SHG over dues ( NPA) are very high in the agency area, to reduce the NPAs this Agency has utilizing all social capital resources like Bank Linkage sub- committees, Community Based Recovery Mechanism (CBRM) committees and also Internal Community Resource Person (CRPs).
  • Lack of Financial Literacy :-  the SHG members ( women) in agency area are illiterates, even they don’t know how much amount received as loan from bank, rate of interest, no of EMIs, and the vaddi leni runalu benefits for regular repayment SHGs and also they don’t know the investment opportunities where they invest for income generating activities. Now this agency has going to conduct member wise training to all SHG women on  Financial Literacy, vaddi leni runalu and local investment opportunities.