Transcript Slide 1

Presentation on Swarnjayanti Gram Swarozgar
Yojana (SGSY)/
National Rural Livelihoods Mission (NRLM)
S.G.S.Y - STATUS
S.G.S.Y - 1999: a holistic programme covering
all aspects of self-employment
 Implemented in all the States/UTs except Delhi
& Chandigarh
 Main Achievements since inception
• 38.9 lakh SHGs formed
• 1.47 crores Swarozgaris assisted financially
with bank credit & subsidy
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S.G.S.Y - STATUS
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Credit mobilization: from Rs.1100 crore in
1999-00 to over Rs.4450 crores in 2009-10
Per capita investment: from Rs.17000 in ’99
to Rs. 31800 in ’09
Skills and placement projects: About 1.72
lakh beneficiaries trained & 1.35 lakh placed
PROGRESS : S.G.S.Y – 2009-10
Item
1 SHGs formed (in Lakh)
2 Swarozgaris
3 assisted
(Lakhs)
Target
Ach (% ach)
2009-10
3.9
18.2
20.8 (116%)
4 SC/ST s
10.8 (52%)
5 Women
15.2 (72%)
6 Minority
2.4
7 Total Investment (Rs. Cr)
6409
8 Subsidy : Credit Ratio
9 Per Capita Investment
2.3
31817
(11.6%)
NEED FOR RESTRUCTURING
 Shortcomings
experienced during
implementation
 Feedback from key stakeholders
 Large scale initiatives of some states
 Recommendations of various studies
 Steering Committee constituted by the
Planning Commission for the 11th Plan
 Recommendations of Prof. Radhakrishna
Committee
KEY LESSONS FROM LARGE SCALE EXPERIENCES
Building institutions of poor critical to address
poverty holistically
 Even the poorest family can come out of abject
poverty , in 6 - 8 years provided they are:
• organized, build and nurture own institutions
• provided continuous handholding support
• able to access thrift and credit in repeat
doses, for meeting varied priority
requirements
• minimum Rs.1.0 lakh per family required
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KEY LESSONS FROM LARGE SCALE EXPERIENCES
Institutions of poor – greatest source of strength
for the poor
 Poor to drive all project initiatives – poor can
best be reached through empowered poor
 Role of project staff and N.G.Os – redefining
required – as facilitators of the process for
enabling emergence of community resource
persons
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NATIONAL RURAL LIVELIHOODS MISSION:
GOAL - POVERTY ELIMINATION
Sustainable livelihoods for the rural
poor through social mobilization and
institution building
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NATIONAL RURAL LIVELIHOODS MISSION
Two major livelihoods streams:
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accessing and optimizing self employment
opportunities, and,
accessing skilled wage employment
opportunities in growing sectors of the
economy
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GUIDING PRINCIPLES
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Poor have a strong desire to come out of
poverty, and, have innate capabilities
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Social mobilization and building strong
institutions of the poor critical for
unleashing their capabilities
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Dedicated and sensitive support structure
required to induce social mobilization
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Financial & Capital Services
Dedicated Support
Institutions
(Professionals,
Learning Platform
M & E Systems)
Institutional
Platforms of Poor
(Aggregating and Federating
Poor, Women, Small &
Marginal Farmers, S.Cs and
S.Ts)
INNOVATIONS
Human and
Social Capital
(Leaders, CRPs,
Community ParaProfessionals)
SALIENT FEATURES: UNIVERSAL SOCIAL
MOBILISATION
Saturation approach
 One member from each household,
preferably a woman, would be organized
into a S.H.G
 All villages, blocks and districts – in a phased
manner
 Focus on most vulnerable: SC/ST, PVTGs,
minorities, women headed households
 Special focus on states with large tribal
population and LWE districts
INSTITUTION BUILDING
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Formation, nurturing - SHGs and their
Federations at village, block and district level
Other collectives – livelihoods organisations
Institutional platform to provide space, voice
and resources for the poor
Best done through community resource
persons, federations of the poor
CAPACITY BUILDING
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Continuous capacity building – key to strong
institution building and empowerment
Multi-pronged approach
Knowledge dissemination to all members
Most effective training – at village level
Creating a cadre of trainers, service providers,
Community Resource Persons (CRPs) and
Master Craftsmen
Network of training institutions for capacity
building at districts and State level
BUILDING PRO-POOR FINANCIAL SECTOR
Access to credit key to coming out of poverty.
Out of Rs.100,000 per family required –
around 90% has to come from financial
institutions
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Strategic partnerships with banking sector
Leverage IT and business correspondents models
Facilitation support: ‘Bank Mitras’
Financial literacy and financial counseling
Interest subsidy on loans to SHGs
Micro insurance to cover life, health and assets
KEY LIVELIHOODS PROMOTION
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2 major livelihoods – account for 80 – 85 % of the
incomes of the poor – agriculture and livestock
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Promote end-to-end solutions, covering the entire
value chain
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Promote community managed sustainable agriculture
– for food security and for secure livelihoods
SKILL DEVELOPMENT AND PLACEMENT
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Up-scaling of Skill development through publicprivate partnerships
15% of allocation for placement linked skill
development projects
50% of the funds for projects transferred to States
for inter district projects
Clear focus on placement
60 lakh skilled jobs for rural poor in 7 years
planned
SELF EMPLOYMENT AND MICRO ENTERPRISE
DEVELOPMENT
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Entrepreneurship development among
local youth to generate in situ
employment
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60 – 70 lakh micro-enteprises
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Successful RUDSETI model will be
replicated
ESTABLISHMENT OF RSETIS AND THEIR
EFFECTIVE FUNCTIONING
 Plan
to set up 500 Rural Self Employment
Training Institutes (RSETIs)
 Bank led institutes. MoRD grant Rs.1 crore
for building, and, reimbursement of training
cost for BPL candidates.
 State Government would provide land free
of cost.
LINKAGE WITH PRIs
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Establish healthy relationship between institutions of
the poor and the PRIs – based on mutual respect and
understanding
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Institutions of the poor have a regular dialogue with
PRIs, provide all information to them, and, actively
participate in the Gram sabhas
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PRIs understand the role that S.H.Gs and federations
play in the life of the poor, and, include pro-poor
initiatives in their plans
PARTNERSHIPS: N.G.O
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N.G.Os – pioneers in the country in grassroots
social mobilisation, building institutions of poor
Partnership based on: mutual respect, core
principles of NRLM, accountability to
institutions of the poor, outcomes based
Learn from best practices of N.G.Os
Strengthen social capital created and nurtured
by them
Resource villages and resource blocks – for
mentoring other blocks and districts
Pilots for innovations
PARTNERSHIPS
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Industry/ Industry associations:
Livelihoods promotion – forward and backward
linkages
Skills and placement
Academic institutions
Capacity building of development professionals,
village level community professionals
Evaluations and mid-course corrections
FINANCIAL NORMS
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Formation of S.H.G – Rs.10,000 per S.H.G
Revolving fund: Rs. 10,000 to Rs. 15,000 per
SHG equivalent to corpus of SHG
Capital Subsidy: Max Rs. 2.50 lakh per SHG
calculated @ Rs 15,000 for general and Rs
20,000 for SC/ST per Swarozgari
RF and Capital subsidy - directly to SHGs or
through their federations
FINANCIAL NORMS
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Capacity building, skills training: Maximum of
Rs 7500 per Swarozgari
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Interest subsidy: Difference between PLR and
Rs 7% per annum interest rate
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Corpus fund for federations
• Rs 10,000 at Village/Panchayat level
• Rs 20,000 at Block level
• Rs 100,000 at District level
ACCOUNTABILITY
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Extensive use of I.T for transparency and real
time monitoring
Accountability Systems
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Regular meetings of S.H.Gs and
federations – financial transactions read
out in the meeting
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Social audit for transparency and
accountability
RESULTS MONITORING
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Computerised MIS
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Periodic monitoring by teams of experts
visiting states
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Baseline and impact evaluation by
independent agencies
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Large scale independent study – panel data monitoring same households, once a year
over 10 years
Thank you