DA DAY-NR NRLM LM Sust staina inable ble Dev evel elopment - PowerPoint PPT Presentation

DA DAY-NR NRLM LM – Sust staina inable ble Dev evel elopment opment Goa oals s

DAY- NRLM OVERVIEW • Centre- piece of Government of India’s rural poverty alleviation strategy - Based on ground tested best practices in Bihar and the Southern States • Largest institutional platform for social inclusion and women’s economic empowerment - 4.7 crore women mobilized into 39.9 lakh SHGs • Built around poor-to-poor strategy • Aim is to mobilize 8-10 crore rural poor households, in a phased but intensive manner

Towards Sustainable Development Goals Institutions of the poor Skill Financial Development Inclusion DAY- NRLM Social Sustainable Development Livelihoods SDG #1: Ending poverty in all its forms everywhere

Pillar 1: Social Mobilization and Institution Building

Institution Building – Giving a voice to the poor  Support to primary level federations – 18195 Cluster Level financial & non-financial Federations  Linkage with departments CLFs (30-40 VOs each)  Auditing of groups  Anchoring community cadre  Training to SHGs 2.2 lakh Village  Financial and Livelihood Services Organizations  Access to public services and (10-15 SHGs each) entitlements  Savings 39.9 lakh Self Help Groups  Internal Lending (10 – 20 members each)  Accessing Credit from Banks

Social Capital – Community driven program • Community Resource persons (CRPs) are at the forefront of all Mission activities • Poor women who have graduated from poverty have led the social mobilization process – CRPs of AP, TS, Bihar have travelled to far off places J&K and NAG to identify and mobilize the poor into SHGs • About 1.72 lakh CRPs trained and deployed across State Missions • Support various themes viz. social mobilization (CRPs), financial inclusion (Bank Sakhi and Bank Mitra), Livelihoods (Pashu Sakhi and Krishi Sakhi, SVEP-CRPs), MIS/M&E (eCRPs and Community Monitors) etc.

Pillar 2: Financial Inclusion

Financial Inclusion – Formal Source of Finance for Rural Poor Intensive work done on both Demand side and Supply Side Interventions Demand Side Interventions Supply Side Interventions • Promotion of good bookkeeping • Continuous Dialogue with Senior Management and sensitization of local staff • Provision of capital support to SHGs of the banking institutions • Financial Literacy and Counselling • MoUs signed with major public sector banks • Support for micro-investment plan for repeat • Promote alternate banking services etc. finance • Advocacy with the central bank / finance • Instituting Community Based Recovery ministry Mechanism (CBRM)

Year Wise Trends: Bank Credit accessed by SHGs 42586 NPA as % of loan outstanding Pre- NRLM 23.9% 30372.7 Post- NRLM 2.3% 23956.5 23319.3 Loan Outstanding :Rs. 62122 cr. 2013-14 2014-15 2015-16 2016-17 Bank Credit accessed by SHGs (in Rs. Crore)

Financial Inclusion – Alternate Models of financial services delivery Bank Mitra (Business Correspondent Model) • 1400 SHG members positioned as Business Correspondent in 8 States • About 1.42 lakh SHG members availing banking facilities through this channel • Over 8.9 lakh transactions amounting to Rs. 187.92 crore completed

Pillar 3: Sustainable Livelihoods

Promotion of Sustainable Livelihoods – Strategy • Enable every poor household: • Training for Self Employment - to cope with vulnerabilities – debt • Training for Wage Employment bondage, food insecurity, health shocks and migration Skill - to have two or more sustainable Based farm/non-farm income Non Farm • Focus on strengthening existing sources as well as promotion of new Farm sources of income • Start up Village Entrepreneurship Program • • Promotion of opportunities in Access to sustainable productivity • Aajeevika Gram enhancement services in Express Yojana emerging markets – micro- Agriculture and Livestock enterprises, self-employment, skill • Value chain development for based employment etc. access to markets

Promotion of Sustainable Livelihoods – Farm Livelihoods Sustainable farm livelihoods • Dedicated program for supporting women farmers - Aim is to promote agro-ecological practices to increase farmers’ income and reduce their input costs and risks. • About 22,300 Community resource persons developed and used for scaling-up livelihoods interventions • Over 33 lakh women farmers trained and supported • Dedicated interventions for Non-Timber Forest Produce (NTFP) - particular focus on Lac, Tasar, Gum Karaya and Medicinal Herbs

Promotion of Sustainable Livelihoods – Farm Livelihoods • Instituted value chain approach across specific commodities in multiple States viz. Maize, Mango , Floriculture, Dairy, Goat etc. – Over 1.1 lakh women have been covered under this intervention • More than 125 Producer Companies (PC) and 86000 Producers’ Groups (PG) farmers formed across multiple states. • About 4145 Custom Hiring Centre/ Community Managed Tool Bank set up across multiple States – Small and marginal famers provided access to farm equipment and services such as soil testing, cold chain management at a nominal rate

Promotion of Sustainable Livelihoods – Non-Farm Livelihoods Start Up Village Entrepreneurship Programme • Launched in 2014 to promote rural start-ups in farm/off-farm sectors • Nearly 13,722 enterprises supported under SVEP • About 57% of the enterprises promoted are engaged in trading, 33% in service and 10% in manufacturing Top 3 Enterprises - Manufacturing Top 3 Enterprises - Trading Top 3 Enterprises - Services 18% 14% 61% 9% 12% 7% 9% 10% 7% Handicraft Bricks and Tiles Mat Making Kirana Readymade / Vegetable trading Tailoring Hotel (restaurant) Flour Mill selling cloth shop

Pillar 4: Social Development

Social Development & Convergence - Strategy Human Development • Leveraging the institutional platform • Behavior Change Communication at the household level • Access to Sanitation Services available from the Government • Access to Nutrition Services • Access to other Public Entitlements and Services Social Inclusion • Priority mobilization of high poverty groups such as PwDs, the elderly and the primitive tribal groups into SHGs

Social Development & Convergence • The platform of Social Capital mobilized has been used to promote the well being and improve their quality of life, in convergence with relevant Government programmes: • Across 170 Blocks of Tamil Nadu, 42,228 physically and mentally disabled have been successfully rehabilitated through access to appropriate health care, entitlements and sustainable livelihoods; • Across 9 Blocks of Maharashtra, a successful pilot has sustainably increased the diet diversity of women and children. The model is now being scaled up to 134 Blocks. • The Social Capital is also being used to address issues of exclusion : • 607 women branded as witches have been successfully rehabilitated in Jharkhand • 67,916 Pasi community members (a Mahadalit group) have been provided with sustainable livelihoods in Bihar • Community Institutions are being utilized for improved 1.15 lakh SHG members in Jharkhand implementation of other programs such as MGNREGA, SBM constructed toilets under SBM etc.

Pillar 5: Skill Development

DDUGKY – Wage Employment • Placement linked Skill Development Program with minimum 70% placement • Targeted at Rural Poor Youth of age group 15 to 35 years using SECC data - Mandatory coverage of SC & ST (50%), Minority (15%) and Women (33%) of candidates trained • Implementation through Project Implementation Agencies (PIAs) in PPP mode • Training programs in NSQF courses aligned with Common Norms notified by Govt. • Assessment & Certification independently through NCVT / Sector Skill Councils / Other NSQF courses • 3 tier concurrent monitoring involving 13 inspections per Training center annually and regular audits • PFMS based fund release • 10.5 lakh youth trained, 6.49 lakh placed since 2011-12

RSETI – Self Employment • Rural Self Employment Training Institutes (RSETIs) set up and managed by lead banks in every district • Provide domain skill and entrepreneurship training, • Hand holding trainees in setting up micro enterprises and obtaining credit • Government supports RSETIs through • Reimbursement of training cost for BPL candidates • Allotment of land free of cost for RSETI Building by the state Government • Construction cost support upto Rs. 1 crore per RSETI • At present, 589 RSETIs operating in the Country • Since 2011, 24.9 lakh candidates have been trained by RSETIs across India • 67% (16.7 lakh) of candidates trained have been settled

Independent assessment of NRLM Savings and Debt • Households in NRLM areas (as compared to non NRLM areas) - Save more in formal financial institutions - Access higher loans (both in numbers and size) at lower interest. Assets • Significant growth in livelihood assets of households in Mission villages Income • Average monthly per capita income of households in NRLM areas is significantly higher than non-NRLM areas (22% higher income) • On an average, each NRLM village had 11 enterprises more than the non-NRLM villages – suggesting livelihood diversification in NRLM villages