Annual Report 2012-13 - · PDF fileAnnual Report [2012-13] ... 4.2 Operation manual on HR &...

Annual Report [2012-13]

Annual Report [2012- 13]

Jharkhand State Livelihood Promotion SocietyJharkhand State Livelihood Promotion SocietyJharkhand State Livelihood Promotion SocietyJharkhand State Livelihood Promotion Society (Under the aegis of Rural Development Department, Govt. of Jharkhand)

3rd

Floor, FFP Building, HEC, Dhurwa, Ranchi- 83400 Phone No. 0651-2401782- 83, Email- [email protected] , Website – www.jslps.org

[Annual Report 2012-13] Page 1

Sl No. Particular Page No

1. ABOUT US 6

1.1 Objectives 7

2 MANAGEMENT STRUCTURE OF JSLPS 8

2.1 Governing body and its functions 8

2.2 Executive committee its functions 9

2.3 Organizational structure of JSLPS at state level 10

2.4 Organizational structure at district level 11

2.5 Organizational structure at the block level 11

3 PHYSICAL ACHIVEMENTS 12

3.1 National Rural Livelihood Mission 12

3.2 GoJ-UNDP Projects on Livelihood Promotion and

Financial Inclusion

16

3.3 Sanjivini Project on women Empowerment 17

3.4 DRDA Training Project Drip Irrigation in Ranchi

District

19

3.5 Socio- Economic & Caste Census (SECC) Project 18

3.6 UNDP Financial Inclusion Project –Pakur 20

4 GENERAL BODY AND EXECUTIVE COMMITTEE

MEETINGS & POLICY DECISIONS

22

4.1 Meeting of 3rd Governing Body of JSLPS convened 22

4.2 Operation manual on HR & Finance 22

5 FINANCIAL PROGRESS 23

Contents


Vision & Mission

To work as a specialized

agency for social

empowerment and poverty

reduction with special focus

on livelihood promotion of

the poor and vulnerable

communities and households

by bringing about synergy

among all line departments

through convergence for

empowerment of

disadvantaged communities

in Jharkhand.


It gives me immense pleasure and satisfaction to place before you the 2012-13

annual report of JSLPS. A bold vision combined with missionary zeal and team

efforts are perhaps of quintessence for organizations to grow and survive.

JSLPS was set up in 2009 as a special purpose vehicle to support and build the

capacity of state rural development department in implementing poverty

reduction programs by providing proof of concept through replicable pilots. The

transition into an entity that is primarily engaged in building institutions of the

poor, working for a pro poor financial sector and transforming lives through

promotion of sustainable livelihoods, was made possible due to the faith reposed

by the policy makers at state level in the efficiency and capabilities of JSLPS

team. JSLPS is now fully aligned to its vision and mission and ready to roll out

NRLM in the state which is the flagship poverty reduction program of the

government.

Jharkhand State Livelihood Promotion Society is providing services in response

to the needs of rural, low income households and communities. JSLPS’ activities

actualize funds annually to benefit the poorest of poor and vulnerable

community and individuals throughout rural Jharkhand.

In the year 2012- 2013, JSLPS initiated many new projects and expanded

continuing projects, with Sanjivani and NRLM being the highlighted ones.

For expediting the implementation and smooth rollout of NRLM, a core team was

selected which included the following domains namely Social Mobilization and

Institutional Building, Livelihood – Farm, Livelihood – Non Farm, MIS and M & E,

Finance and Human Resource, subsequently professionals in other domain and at

The CEO Speaks


all levels were recruited with the support of a HR agency to meet challenges and

rebuild hopes.

Out of the major breakthroughs, some of them have been The World Bank

Mission which visited the State of Jharkhand and held meetings to discuss upon

the intricacies of collaboration in NRLM. JSLPS was also entrusted a task of

steering the special SGSY Project which was successfully completed in the year

2013.

In 2012, JSLPS worked closely with its partners including GoJ-UNDP Projects

on Livelihood Promotion to identify what resources and tools will best achieve

JSLPS’ mission of helping to build strong institutions of the poor, and promote

sustainable livelihoods for rural communities. A government of Jharkhand

funded project Sanjivani was launched to strengthen the livelihoods of the poor

families and linking them with social security network. JSLPS also forged

partnerships with national resource organizations like “Society for elimination

of rural poverty”(SERP) and Bihar rural livelihood promotion society for

providing impetus to the social mobilization and institution building efforts.

Towards influencing policy and enabling environment approaches, some

pertinent were: developing banker’s confidence in the process of social

mobilization and institutions building followed by the JSLPS.

Review of Skills and Placement projects undertaken by various PIAs was done in

order to bridge the gap in available skill sets and market demand fulfilling the

aspirations of youth by providing them with suitable employment opportunities

in the organized sector and assuring them with a promising tomorrow.

Under the direction of talented and diverse umbrella of NMMU and support and

patronage from MoRD and state rural development department, we at JSLPS


indeed look towards providing the tools and means to achieve the maximum

feasible social and economic success.

The annual summary of JSLPS’s activities and impacts is in your hands. We

would be grateful for your feedback and comments to encourage us and help us

improve our performance.

Finally, we would like to express our heartfelt gratitude to all our donors and

supporters whose generous help allowed us to implement all of these

programmes. We are also thankful to our staff, partners and stakeholders

whose efforts and dedication contributed greatly to our success.

(Paritosh Upadhyay)


Jharkhand State Livelihood Promotion Society (JSLPS)

was formed as an autonomous and independent society

in the year 2009 under the aegis of Rural Development

Department, Government of Jharkhand. The society was

formed to serve as a special purpose vehicle for smooth

implementation of poverty reduction strategies, pro-poor

schemes and programmes in Jharkhand especially for

disadvantaged groups. The society works as a nodal

agency for livelihood promotion strategies and

interventions in the state and collaborates with various

government departments, NGOs/CBOs, technical

institutions and private sector partners. It functions

democratically through its Executive Council (EC) and

General Body (GB), which is represented by Secretaries

from different Government Departments, policy makers,

NABARD official, bankers, social workers and

representatives of NGOs. Hon’ble Minister, Rural

Development is the ex-officio Chairperson of the

General Body while the Executive Committee is headed

by the Principal Secretary, Rural Development

Department. The EC of the society is empowered to

approve the systems and policies of the society as well

as supervise day to day business.

JSLPS was designated by the State Government to

anchor and implement the National Rural Livelihood

Mission in Jharkhand in September 2011 and state

chapter of the project was entrusted to society named as

State Rural Livelihood Mission (SRLM). The JSLPS

has initiated the SRLM’s activity in the financial year

2012-13.The state level State Mission Management Unit

(SMMU) was established within the society. The society

has been headed by a full-time Chief Executive Officer

(CEO) who is ably supported by a Chief Operating

Officer (COO) to look after the operational issues. A

team of senior level professionals and thematic experts

have been inducted in the team. The SMMU has

unveiled its independent vertical at district and blocks as

DMMU and BMMU respectively.

1. About Us


1.1 OBJECTIVES

i. To alleviate the poverty in the state, especially among the disadvantaged groups by

bringing in convergence among various poverty reduction and empowerment

programs or schemes.

ii. To contribute to the lives of the rural poor throughout the state through

empowerment and fostering strong self-managed grass root institutions and support

investments for the groups of the poor.

iii. To build support and service structures for providing social and technical guidance to

the poor in their overall social progress and livelihood development and in doing so

forging partnership and collaboration with relevant Govt. departments and NGOs.

iv. Establish models for participatory social and economic development of the rural poor

in conformity with all these objectives and prove their relevance, sustainability and

suitability of replication.

v. To facilitate knowledge and experience sharing among stakeholders including –

government departments, technical institutions, relevant autonomous agencies of the

government, civil society organizations, non-governmental organizations, private

sectors, community based organization and research agencies.


2.1 Governing Body and its functions

To achieve the objectives, the Governing Body shall:

a) Provide overall policy guidance and direction for efficient functioning of the Society and

will be instrumental in bringing about strategic and policy changes that may be necessary

for the support of the Project and other projects assigned to it by the State Government.

b) Review Project performance and secure active involvement and participation of

institutions, non-governmental organization, voluntary agencies and individuals

committed to poverty alleviation and provide necessary financial assistance to them.

c) Bring about effective decentralization in basic planning for poverty alleviation by

involvement of the people through a process of training and awareness building and

creation and /or utilization of structures formal or otherwise.

d) Secure constructive and participatory involvement of local people and grass root

leadership for the achievement of Project's objectives and for this purpose establish

and/or utilize formal as well as informal structures.

e) Consider and approve the balance sheet and annual audited accounts of the Society,

presented by the President.

f) Consider the annual report and ratify budgets.

g) It shall consider evaluation and special reports commissioned by Project administration.

h) It ensures that the Society considers any comments made by funding agencies on the

progress and requirement in the implementation of Project sponsored and funded by

them.

i) To ensure technical and non-technical resources by harnessing the existing Institutions

and through establishing new ones, if required.

j) To advise to organize conferences, symposia, workshop etc. on matter related to the

Society and to Project.

k) To advise State Government in implementation of poverty alleviation programmes.

2. MANAGEMENT STRUCTURE OF JSLPS


2.2 Executive Committee and its functions:

The Executive committee of the society shall discharge following functions:

a) The EC shall provide policy guidance and direction for the functioning of the Society.

b) Review project performance and undertake activities necessary for fulfillment of

objective of the Society.

c) To enter into agreements with other public or private organizations or individuals for

furtherance of its objects.

d) To secure and accept endowments, grants-in-aid, donations or gifts to the Society on

mutually agreed terms and conditions, provided that conditions of such grants-in-aid,

donations or gift shall not be inconsistence or in conflict with the objects of the Society or

with the provisions of these Rules.

e) To take over and acquire, by purchase, gift or otherwise, from Government, and other

public bodies, from private individuals, movable properties or other funds together, with

any attendant obligations and engagements, not inconsistent with the objects of the

Society or with the provisions of these Rules.

f) Subject to the provisions of Rule 5, power to sell or lease any movable property of the

Society provided, however, that no assets of the Society created out of the government

grants shall, without prior approval of the Government, be disposed of, encumbered or

utilized for purposes other than those for which the grant was sanctioned.

g) By resolution, to constitute standing/ad hoc committees or task forces/groups, etc., for

various areas of poverty alleviation and decide in regard to their membership, powers,

functions and liabilities.

h) By resolution, to appoint Advisory boards or other special committees for such purposes

and with such purposes and with such powers as the Executive Committee may think fit,

and to dissolve any such committee or Board at any time.

i) To delegate to the President, Vice President of Livelihood Promotion Society, Member

Convener or any of its members and/ or to a committee/ group or any officer of Project

such duties as it deems proper and also prescribe limitations within which the powers and

duties shall be exercised or charges by the member/ committee / group /officer so

delegate.


j) Consider the annual budget and the annual action plan, its subsequent alterations placed

before it by the Member Secretary from time to time and pass it with such modifications

as the Executive Committee may think fit.

k) Setting HR Policy including staff positions and salary and incentive structure of the State

Society.

l) Appoint auditors for auditing the accounts of the State Society with the approval of the

Governing body.

m) Monitor the financial position of the State Society in order to ensure smooth income flow

and to review annual audited accounts.

n) Do generally all such acts and things as may be necessary or incidental to carry out the

objectives of the State Society or any of them. Provided that nothing herein contain shall

authorize the Executive Committee to do any act or to pass any bye-laws which may be

repugnant to the provisions hereof, to the powers hereby conferred on the Executive

Committee and other authorities, or which may be inconsistent with the objectives of the

State Society.

o) To hire services of consultants, commission studies as it deems fit in the interest of the

society

2.3 ORGANISATIONAL STRUCTURE OF JSLPS AT STATE LEVEL


2.4 ORGANIZATIONAL STRUCTURE AT DISTRICT LEVEL

2.5 ORGANIZATIONAL STRUCTURE AT BLOCK LEVEL


3.1 NATIONAL RURAL LIVELIHOOD MISSION

• NRLM State level core team selected- Initially six core team positions were filled up for

expediting the implementation of NRLM. These are :

i. Mobilization and Institutional Building;

ii. Livelihood – Farm;

iii. Livelihood – Non Farm;

iv. MIS and M & E;

v. Finance

vi. Human Resource.

The newly recruited professionals joined and their induction was completed in April

2012. To promote NRLM sponsored piloting of livelihood schemes at blocks,

Community Resource Persons were recruited from local villages. A total of 42

community resource persons (CRP) were selected through interviews in five project

districts. They were further oriented in NRLM activities.

• NRLM Induction Conducted –A one day induction of SRLM team in state of Jharkhand

was organized on 9th April 2012 at Hotel Capitol Residency, Ranchi. The induction was

attended by Mr. Paritosh Upadhyay, CEO-JSLPS, Project Manager, JSLPS; 3 State team

members, 4 District team members and 4 Block team members of UNDP-JSLPS; 6 core

team members of SRLM, Jharkhand and; 2 young professionals from NRLM. Mr.

Kamlesh Prasad of NMMU along with other thematic experts from NMMU, New Delhi

were key resource persons. The objective of the meeting was to develop an understanding

on NRLM and NRLP, to gain insights on Resource Block Strategy and to chalk out action

plan of the core team for next two months.

• District Teams Oriented in NRLM - A one day orientation programme organized

separately for District Coordinators (DC) and Block Coordinators (BC) for rolling out

NRLM in Jharkhand. It is important to note that DCs and BCs who were working for

GoJ-UNDP Livelihood Project had been entrusted with additional task for rolling out

3. PHYSICAL ACHIVEMENTS


NRLM project in their respective districts till the recruitment of new incumbents was

completed. The orientation meet had threefold objectives –

i. Review progress in livelihood intervention activities under UNDP supported

funds to SHG accounts,

ii. Understanding clusterization of villages and CRPs selection processes in

Intensive blocks for Rolling out NRLM and

iii. Identifying livelihood options in the intensive blocks.

The district teams were advised for preparing block profiling and CRP selection within

the NRLM intensive blocks which were identified in three districts viz. Ranchi, Pakur

and West Singhbhum.

• Inter-state Induction of NRLM Core Teams organized – Interstate induction training

was organized on 13th -18th

June 2012 by JSLPS in hotel Le Lac, Ranchi. The participant

states were; Jharkhand, Chhattisgarh and Maharashtra, Madhya Pradesh, Chhattisgarh and

Rajasthan. The session was inaugurated by Mr. R.S Poddar, Principal Secretary, Rural

Development Department, and Government of Jharkhand. The themes presented and

discussed in the programme were –

o About National Rural Livelihoods Mission,

o Resource Block Strategy, Partnerships Framework,

o Social Mobilization,

o Bank Linkage and Financial Inclusion,

o Livelihood Portfolio,

o Human resource,

o Budget and Procurement.

The trainers from NMMU, BRLPS, SERP, PRADAN, Srijan and World Bank also

enriched cohort knowledge by sharing best practices within the country. Shri S.M

Vijayananda, Additional Secretary, Ministry of Rural Development, Government of India

graced the occasion. In his valedictory speech he stressed on issues of poverty,

vulnerability, social exclusion and how NRLM visions to promote change on above

issues.

• Resource Persons from SERP joined - A team of 13 Project Resource Persons (PRPs)

and 10 Community Coordinators from SERP Andhra Pradesh reached Jharkhand to roll


out resource block strategy in cluster villages. The team was given two day orientation

prior to placing them in respective clusters.

• Training of Community Resource Persons (CRPs) - CRP trainings were conducted in

three rounds comprising 120 members from 24th

– 28th

May, 2013. The objective of the

training was to assess and orient CRPs under NRLM. CRPs primarily hailed from Ranchi,

West Singhbhum and Pakur districts. The training module focused on SHG concept: Group

formation, fund raising, accounts keeping, record keeping and; roles and Responsibilities of

CRPs. Similarly, CRPs of Silli Block were being oriented on familiar lines at SIRD.

• Two external CRP strategy rounds completed in resource blocks - A team of 22 PRPs

from SERP deployed altogether in 22 Cluster of District Ranchi (7) and West Singbhum

(15). First CRP Round (First batch) and 2nd

Round CRPs strategy completed in Ranchi

and West Singhbhum districts.

• JSLPS professionals underwent Village Immersion Programme in SERP– A Team of

15 personnel from JSLPS underwent an intensive village immersion in Warangal district

of Andhra Pradesh which had been hosted by SERP-Andhra Pradesh. The immersion was

followed by a two day recap session at NIRD, Hyderabad where the team presented their

learnings.


• DRDA officials strengthened in NRLM - With a view to cover the challenges and

utilize the opportunity to deliver the best on the ground in the non- intensive blocks, a one

day workshop was organized for DRDA Officials on 23rd August 2012. The training

programme highlighted strategy for implementation in non- intensive blocks. Important

issues related to financial management, planning was discussed in detail.

Guidelines for Implementation of National Rural Livelihood Mission (under Non

intensive blocks strategy through DRDA) prepared and discussed upon in the review

meeting of all DDCs in Jharkhand State, held on 12th Dec 2012. The Guideline was

circulated to all districts. The districts were requested to prepare District Plan based on

NRLM guidelines.

• Inter-departmental Consultation meeting organized on finalization of modalities for

SHG and Federation - The consultative meet that was held on 7th September 2012

which led to realization of following significant points were; i. Nomination of a nodal

agency at State level as a regulatory body for SHG promotion and strengthening; ii.

Enrolment of all SHG promoting agencies with the State level regulatory body; iii. Single

MIS to be used in the State for SHG and Federation; iv. The banks can maintain SHG

records at a centrally managed server and it should be available to the State for publishing

a SHG directory and detail analysis of financial transaction; v. Standardized fund flow

system and financial assistance; vi. A common grading matrix should be a mandatory

condition for all the SHGs and; legal identity of every SHG for the sake of loan.

• Skills and Placement - Review of Skills and Placement agency was held on 4th - 5th

September 2012 which was attended by 14 different organizations. In order to understand

the skill status of youths in Saranda Forest Area, a study on Mapping of Youth and

related Skills in Saranda region was conducted in collaboration with KGVK Ranchi.

• World Bank Mission Visit - The World Bank Mission visited the State of Jharkhand

from 24th to 27th September 2012 and held meetings with stakeholders as NGOs, State

Level Bankers Committee, Jharkhand Tribal Development Society and NABARD to

discuss upon the intricacies of collaboration in NRLM.


• Mahila Kisan Shashaktikaran Programme (MKSP) - A total of 129 MKSP proposals

was received from different organizations. In first round of scrutiny 6 proposals were

identified to be forwarded to NNMU for sanctioning of grants.

• JSLPS entrusted new task for steering Special SGSY Project- RDD entrusted JSLPS

to direct and monitor Special SGSY project in five districts. To this end a formal MoU

was signed between JSLPS and PRADAN. The purpose was to give greater autonomy to

the implementation agency for implementation of the project.

3.2 GoJ-UNDP Projects on Livelihood Promotion and Financial Inclusion

• Terminal Evaluation of GoJ-UNDP Livelihood Promotion Project completed: A

two days terminal workshop was organized in Hotel Radisson Blu, Ranchi on December

14-15, 2013. In the workshop, learning of the project was shared with the Govt of

Jharkhand and all stakeholders. On this occasion, Ms. Irene Dabare, Deputy Country

Director, UNDP India expressed her happiness after seeing the progress of the project

and positive attitude of the State Govt in mainstreaming the successful prototypes on

livelihood models, which had been on drip irrigation, lac cultivation, goat rearing, Non-

Timber Forest Produces, Landless Garden, Fisheries etc. On this occasion some VVIPs

and VIPs were present viz; Sri Sudesh Mahto, Deputy Chief Minister- cum- Minister

for Rural Development Department, Govt of Jharkhand, Mr. R S Poddar, Principal

Secretary, RDD, Ms. Prema Gera, ACD, UNDP, Mr. Paritosh Updhayay, CEO, JSLPS,

Prof. Ramesh Sharan, and representatives of partner agencies.

• 42 SHGs linked with Innovative Livelihood Models-To demonstrate the well tested

livelihood models, a total of 42 SHGs and VOs received financial assistance for

promotion of group based income generating activities across project districts. To track

the progress as well as extending them need based handholding support, field visits

were undertaken by the state technical team.

• Formation and Strengthening of SHGs: During this year a total of 32 new SGHs were

formed and 32 old SHGs were strengthened across project districts. More than 350

SHGs member were exposed to various trainings on livelihood issues. The SHGs were


mobilized to form Village Organizations. In this direction a group of SHG members

from Pakur went on exposure to BRLPS project area in Gaya District, Bihar from 28th

to 30th

December, 2012

• Thematic studies conducted and learning’s shared on current issues: Studies

conducted in following thematic areas were: i. PVTG vulnerability assessment in context

of UNDP Project; ii. Social Inclusion & Food Security assessment in context of UNDP

Project; iii. Livelihoods Models developed so far and scope of scaling up, iv. SHREYAS

Goat rearing Project and; iv. Prospects of Lac Horticulture intensification through Drip.

The findings were shared in a workshop where a total of 85 participants from government

agencies, banking institutions, academic sectors, NGOs and CBOs were available in

workshop.

• SLBC Meeting Organized : A state level consultation meeting with all controlling heads

of banks, SLBC members and lead bank managers of all district was held on 1st

December 2012 for SHG Bank Linkage and Financial Inclusion. Similarly district Level

workshop organized with Bank Officials on 29.12.12 in Pakur to share experience of FI

and discuss role of bankers in the upcoming NRLM project.

3.3 Sanjivani Project on Women Empowerment

Sanjivini Programme unveiled in select blocks: Sanjivini Programme was inaugurated in

Silli Block headquarters by Hon’ble Deputy CM Shri Sudesh Mahto at Hindalco Alumina

Hall on 1st May 2012. At the outset, SHG members and Farmers Group of Silli Block were

present. SHG members also shared their personal experiences and the effect the group has

played an important role in their lives. Further, recruitment process in Sanjivini project was

organized from August 13th

to 31st. A total of 59 staff at different levels were recruited and

the process was thus completed. Five days Induction training from 29th

October to 2nd

November 2012 was conducted.

Sanjivini project has been entirely supported by the Govt of Jharkhand which covered 29

blocks of 13 districts. The purpose of the project has been to strengthen the livelihood of the

poor families by adding at least one women of every poor family to the SHGs fold and


bringing the family out of the vicious cycle of poverty with the help of Community Resource

Persons identified from the same village.

• Community Resource Person’s Identification and orientation-cum-selection training-

From January to 31st March 760 CRPs were identified and out of that 549 completed a 2

day Orientation-cum-Selection Training. Out of them 496 CRPs were finally selected

from 16 blocks till 31st March 2013.

• By the end of March 2013 under Sanjivini project total 7870 SHG from 21 Blocks have

been identified and mapped out of that 5632 SHGs entered in MIS data base of JSLPS.

• 486 CRPs identified 6256 existing SHGs and formed 750 new SHGs for strengthening

and nurturing covering a total of 84072 women.

Additionally, more than 300 farmers were selected from six blocks and imparted training on

SRI and Community Investment Fund. On field support provided to promote SRI among the

SHG members. Members were imparted training on bee keeping, incense stick making, urja

mitra, tailoring, mushroom cultivation, leaf plate making and floriculture etc.

• MOU with LIC: MOU between JSLPS and LIC was signed on 9th

July 2012 for linking

SHG members and communities to Rashtriya Swasth Bima Yojyna and Aam Aadmi Bima

Yojna in select districts covered under UNDP and Sanjavini projects. By March 31st 2013


76298 JBY forms were filled up and data for 27433 SHG members send to LIC. LIC

released 17654 policy bonds till 31st March 2013.

• Accessing health services by poor through convergence: Under Sanjivni project the

society collaborated with UNICEF to ensure 100 percent immunization of children

between 0 – 1 year age group at Dhalbhumgarh Block in East Singhbhum district. The

Community Resource Persons under their operational villages were instrumental in

identifying the target group. A list was submitted to UNICEF team for better service

delivery. A total of 118 children from 26 villages and 75 SHGs were covered under the 1st

phase of the immunization programme.

3.4 DRDA Training Project Drip Irrigation in Ranchi District

Seeing the success of UNDP supported drip irrigation, the district administration entrusted

JSLPS to impart training to 500 farmers in drip irrigation under SGSY project. In this end, as

many as 500 farmers from select blocks were imparted training on crop selection (off-season)

variety, installation of drip, seasonality of crops, sowing methods, nursery raising etc. in the

first round.

3.5 Socio- Economic & Caste Census (SECC) Project

Socio Economic Caste Census (SECC) 2011, a MoRD, GoI initiative had been entrusted to

JSLPS to anchor the survey with coverage of 100 households. The purpose of conducting

SECC had been to prepare the list of families living below poverty line (BPL).The database

would be used by both Govt of India as well as the State Govt for various welfare schemes. It

would provide authentic information to policy makers about caste-wise population breakup in

the country (e.g. socio-economic, educational status of a particular caste. Out of 71712


Enumerator Blocks (EBs), during the year about 99% EBs survey had been completed and

97% data was uploaded on NIC’s server (To be verified).

3.6 UNDP Financial Inclusion Project –Pakur

A twin track approach was undertaken under financial inclusion: provision of appropriate

financial products and services to the poor in a fair, transparent and cost-effective manner by

mainstream financial institutions. This includes basic banking services, affordable (interest

rates) and convenient (terms of payment) credit and coverage against loss of life, health and

assets. Secondly, integrated insurance services: affordable, demand based and convenient

insurance services smooth consumption, minimize shocks and vulnerabilities and invest in

acquisition, renewal and expansion of livelihoods assets. During the year the program

focused on strengthening SHGs capacities and enable leveraging of bank credit, sustained

engagement with banks at the State, district and blocks levels. To sensitize bankers on the

needs and concerns of the poor vis-à-vis access to credit; and expedite financial inclusion

efforts including banking service penetration (through ‘branchless’ options) by involving

Bank Mitras. Bank Mitras are slated to assist poor for bank linkages, timely roll-out of

various financial inclusion measures suggested by the RBI (such as no-frills accounts, KCCs

etc.) and revisiting and harmonizing of business processes (including those relating to

opening of bank accounts and lending

to the poor and their institutions).

A total of 41 Bank Mitras were

identified and trained by the

respective banks of the local area. 15

Bank Mitras were placed in different

banks. As the penetration of the banks

was dismally low, 4 resource centres

were established and functional during the year which acts as off-shoot of banks in the

respective region. The key achievements during the financial year were, 4872 households

were credit linked with the facilitation and close coordination with the banks. The women

members of households of 109 villages of 17 panchayats under 6 blocks of Pakur were

organized into 410 SHGs and 51 Village Organizations. The total accumulated savings of the

SHGs was around Rs.25.00 lakhs. So far, 3505 SHG members were covered under the life


insurance. 800 KCC were disbursed through convergence of Govt schemes. More than 1200

HHs were linked with RSBY.

Towards influencing policy and creating enabling environment, some pertinent initiatives

were taken viz.; developing banker’s confidence in the process of social mobilization and

institutions building followed by the JSLPS, expedite banking service penetration in rural

areas, harmonizing business processes, including consensus on KYC norms and procedures

for smooth opening of bank accounts and on norms for assessment of credit worthiness of

SHGs, graduating loan sizes with each repeat loan, loan tenure, loan documentation

requirements, and last but not the least coordination with the SLBC was encouraged to

constitute an exclusive Sub-committee for Financial Inclusion and SHG- Bank Linkage in

JSLPS activities. This Sub-committee, envisaged to meet at least once every quarter, will

plan, coordinate, monitor and review financial inclusion and credit linkages. In the 41st

SLBC meeting dated 9th November 2012, it was reiterated that constant monitoring and

review needs to be carried out to achieve 100% SHG Bank linkage and financial inclusion in

the state. With this objective a sub-committee was formed under the aegis of SLBC for SHG

Bank linkage and NRLM coordination under the Chairmanship of the Chief Minister of the

state. This sub-committee needs to meet periodically to review the progress under SHG Bank

linkage as well as financial inclusion in the state.

On 2nd

Feb 2013, the first subcommittee on SHG bank linkage and NRLM coordination was

held under the Chairmanship of Principal Secretary RDD. The main objective of the meeting

was to chalk out Functions, Frequency, Functionalities of the sub-committee to coordinate the

SHG bank Linkage and rolling out of National Rural Livelihood Mission


4.1. Meeting of 3rd

Governing Body of JSLPS convened

The 3rd

GB meeting held on July 23rd

2012. It approved the proposals and action plans on;

implementation structure of Sanjeevini Project and office establishment for intensive blocks

under NRLM as per the guidelines of GoI- and the State level Capacity Building Cell known

as State Resource Cell. Proposal on Agarbatti Making (incense making) in cluster form under

Johar Project got approved under the condition that the project is approved by the State. The

GB also approved to upscale the well tested drip irrigation model that was undertaken under

UNDP Project under NRLM in non- intensive blocks.

4.2 Operation manual on HR & Finance

A Detailed document on Human Resource Development Manual and Financial Manual were

prepared by consultants and was approved by Executive Committee.

The HR manual is an attempt to build the institutional capacity of JSLPS and to support the

employees in the performance of their work. This manual has been expected to serve as a

guiding framework that provides transparency in all that touches our daily life at our

workplace while guiding us on our roles, responsibilities and rights. This manual is slated to

serve as an important tool for a fair and transparent HR administration that would serve the

vision of JSLPS.

Keeping in mind the various plan schemes that the Society has been implementing or would

implement in future the Financial Manual has been prepared. The manual is not specific to

any particular project or scheme and instead shall be applicable to all such projects / schemes

being implemented by the Society

4. GENERAL BODY AND EXECUTIVE COMMITTEE MEETINGS & POLICY DECISIONS


5. FINANCIAL PROGRESS

AUDIT REPORT

OF

JHARKHAND STATE LIVELIHOOD PROMOTION SOCIETY

[FINANCIAL YEAR – 2012-13]

(Under the aegis of Rural Development Department, Govt. of Jharkhand)

3rd Floor, FFP Building, HEC, Dhurwa, Ranchi- 834004

K.C.Tak & Co.

Chartered Accountants

1, New Anantpur, Ranchi- 834002

Phone : 0651- 2482864, 3290344

Email : [email protected]


JHARKHAND STATE LIVELIHOOD PROMOTION SOCIETY

( Under the aegis of Rural Development Department, Govt. of Jharkhand )

Regn No. 104/2009-10/Ranchi, Dated : 17.07.2009

Consolidated Account

FIXED ASSETS

Schedule - "A" forming Part of Consolidated Balance Sheet

Particulars Op. Balance Addition Sale or Trfr. Amount Closing Balance

NRLP Fax Machine 7,613.00 7,613.00 7,613.00

Photocopy Machine 167,576.00 167,576.00 167,576.00 Laptops 699,363.00 699,363.00 699,363.00

Epabx Set 88,200.00 88,200.00 88,200.00 NRLM - -

Office Vehicle 460,551.00 979,610.00 1,440,161.00 1,440,161.00 Mobile Phone 29,000.00 29,000.00 29,000.00

SECC - - Computer & Equipment 297,854.00 297,854.00 297,854.00

Furniture & Fixture 15,781.00 15,781.00 15,781.00 UNDP - -

Computer 505,440.00 98,600.00 98,600.00 505,440.00 505,440.00 Furniture & Fixture 190,672.00 190,672.00 190,672.00

Office Equipment 140,836.00 140,836.00 140,836.00 Mobile Phone 34,500.00 34,500.00 34,500.00

Motor Cycle 165,706.00 165,706.00 165,706.00

1,811,340.00 2,069,962.00 98,600.00 3,782,702.00 3,782,702.00

PLACE : RANCHI RAJIV TAK DATE :16/09/2013 ( Partner ) Mem. No. 73716


Acronyms

1 BC Block Coordinators

2 BMMU Block Mission Management Unit

3 BPL Below Poverty Line

4 BRLPS Bihar Rural Livelihood Promotion Society

5 CBOs Community Based Organisations

6 CEO Chief Executive Officer

7 COO Chief Operating Officer

8 CRP Community Resource Persons

9 DMMU District Mission Management Unit

10 DC District Coordinators

11 DRDA District Rural Development Authority

12 EB Enumerator Blocks

13 EC Execuitve Committee

14 FI Financial Inclusion

15 GB General Body

16 GoI Government of India

17 GoJ Government of Jharkhand

18 HR Human Resource

19 JBY JanShree Bima Yojana

20 JSLPS Jharkhand State Livelihood Promotion Society

21 KGVK Krishi Gram Vikas Kendra

22 LIC Life Insurance Corporation

23 MIS Management of Information System

24 M&E Monitoring & Evaluation

25 MoRD Ministry of Rural Development

26 MoU Memorandum of Understanding

27 NABARD National Bank for Agriculture and RuralDevelopment

28 NGOs Non Governmental Organisations

29 NIRD National Institute of Rural Development

30 NMMU National Mission Management Unit

31 NRLM National Rural Livelihood Mission

32 PRPs Project Resource Persons


33 PVTG Particularly Vulnerable Tribal Groups

34 RDD Rural Development Department

35 SECC Socio Economic Caste Census

36 SERP Society for Elimination of Rural Poverty

37 SGSY Swarnajayanti Gram Swarozgar Yojana

38 SHGs Self Help Groups

39 SLBC State Level Banker’s Committee

40 SMMU State Mission Management Unit

41 SRLM State Rural Livelihood Mission

42 UNDP United Nations Development Programme

43 UNICEF United Nation International Children Education Fund

44 VOs Village Organisations

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