Why in News?
The Government highlighted LokOS, the digital platform under Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM), for strengthening governance, transparency, and financial inclusion of Self-Help Groups (SHGs).
What is LokOS?
- LokOS (Lok = People, OS = Operating System) is a web and mobile platform for end-to-end digitisation of Self-Help Groups (SHGs) and their federations.
- Implemented under DAY-NRLM of the Ministry of Rural Development.
- Digitises member records, savings, loans, repayments, livelihoods, and convergence with government schemes.
Key Features
- End-to-end digital management of SHGs, Village Organizations (VOs), and Cluster Level Federations (CLFs).
- Aadhaar and bank-linked digital IDs for members.
- Real-time recording of savings, loans, and repayments.
- Livelihood profiling and scheme convergence.
- Role-based administration and real-time dashboards.
- Digitally tracks nearly ₹2 lakh crore worth of SHG financial transactions annually.
SHE-LEAPS
- Self-Help Entrepreneur Livelihoods and Enterprise Application for Prosperity and Sustainability (SHE-LEAPS) launched on 29 June 2026.
- Operates under LokOS.
- Supports women SHG members in enterprise creation, business management, and performance tracking.
Coverage
- Covers 34 States/UTs, 762 districts, 7,241 blocks, 2.57 lakh Gram Panchayats, and 5.92 lakh villages.
- Digitally integrates: 94.16 lakh SHGs, 5.62 lakh Village Organizations, 34,314 Cluster Level Federations, and 10.03 crore SHG members
[2023] Consider the following statements:
1. The Self-Help Group (SHG) programme was originally initiated by the State Bank of India by providing microcredit to the financially deprived.
2. In an SHG, all members of a group take responsibility for a loan that an individual member takes.
3. The Regional Rural Banks and Scheduled Commercial Banks support SHGs.
How many of the above statements are correct?
[A] Only one
[B] Only two
[C] All three
[D] None