Nrlm Final Present

8/12/2019 Nrlm Final Present

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Presentation on Swarnjayanti GramSwarozgar Yojana (SGSY)/

National Rural Livelihoods Mission(N.R.L.M)



Structure of Presentation

SGSY – statusRe-structuring S.G.S.Y into N.R.L.MNRLM – Salient Features

NRLM roll out statusIssues



S.G.S.Y - Main Features

S.G.S.Y - 1999: covering all aspects of self-employmentOrganising Rural BPL into S.H.Gs, provision ofcredit linked with subsidy for income generatingassetsIdentification of key activitiesSupport provided for marketing and infrastructurecreation ( upto 20% of the SGSY allocation )Skill Development and Capacity Building Trainingof SHGs leading to micro enterprise.



S.G.S.Y - Status

Main Achievements since inception20 lakh BPL S.H.Gs covering 250 lakhSwarozgaris152 lakh Swarozgaris assisted with bank credit

& subsidyCredit mobilization: Rs.1100 crore in 1999-00to over Rs.4450 crore in 2009-10Per capita investment: Rs.17000 per beneficiary

in 1999 to Rs. 31800 in 2009Skills and placement special projects: About2.31 lakh beneficiaries have been trained &1.75lakh placed



5

09-10 10-11

No. of SHGs formed (lakh) 3.89 3.11

Economically Assisted SHGs (lakh) 2.92 3.12

Total Swarozgaris Assisted (lakh) 20.85 21.09

Number of SC/ST Swarozgaris (lakh) 10.76 (52%) 10.97 (52%)

Number of Women Swarozgaris (lakh) 15.02(72%) 14.24 (67%)Number of Minorities Swarozgaris (lakh) 2.41(12%) 2.44(12%)

Total Central Release (%age against centralallocation) (crore)

Rs.2230 (96%) Rs.2665(89%)

Total Investment (credit +subsidy) (crore Rs.6409 Rs.6400

Total Subsidy Disbursed (crore) Rs.1962 Rs.1814

Total Credit Disbursed (% against target)(crore)

Rs.4447(100%) Rs. 4586 (88%)

Per Capital Income (in Rupees) 31817

31375

SGSY- Progress – 2009-10 and 2010-11



S. No. S.G.S.Y / N.R.L.M BUDGET FOR2011/12 ( Rs.2914 crs)

Total(Rs. in cr.)

1. SGSY/NRLM - Grant in aid toStates(support for formation of SHGs,RF, Trg. and CB, subsidy, Mktg.and infrastructure)

2191

2. Special Projects 450

3. M.K.S.P 200

4. RSETI s 50



Restructuring S.G.S.Y

Shortcomings experienced duringimplementationLarge scale initiatives of some states – A.P,

Kerala, and experiences of N.G.Os

Steering Committee constituted by thePlanning Commission for the 11 th Plan - 2007

Recommendations of Prof. RadhakrishnaCommittee - 2008



Key lessons from large scale Experiences

Even the poorest family can come out ofabject poverty , in 6 - 8 years provided:

• They are organized, build and nurture owninstitutions, and, provided continuoushandholding support

• able to access thrift and credit in repeatdoses, for meeting varied priorityrequirements. External finance of Rs. 1.0

lakh per family required 8



NRLM

Goal:Poverty elimination through socialmobilization , institution building ,financial inclusion and a portfolio ofsustainable livelihoods .

VISION:Each poor family should have an annualincome of at least Rs.50,000 per annum( current poverty line is equivalent toRs.23,000 per family per annum)

9



NRLM

Task: to reach out to 7.0 crores ruralpoor households, and, stay engagedwith them till they come out of poverty

Mission: To do this in a time bound

manner



N.R.L.M - SOCIAL MOBILISATION

Organising the poor – to ensure a woman fromeach poor family is part of a S.H.G

Inclusion of the poorest , and meaningful role tothem in all processesInstitutions of poor , greatest source of strength

for the poorDedicated, professional, sensitive andaccountable support structure to initiate the

process 11



N.R.L.M – SOCIAL MOBILISATION

Poor to drive all project initiatives – keyrole of social capital: S.H.G and federation

leaders, community professionalsScaling up through community bestpractitioners

Exit policy for external support structuresTransparency and accountabilityCommunity self reliance and selfde endence 12



N.R.L.M – SOCIAL MOBILISATION

Piloting by national unit: Triggering this work in40 districts and 100 BlocksProof of concept, training for state teamsPartnerships with experienced C.B.Os andresource state societies

Similar strategy was followed in BiharEventually these 100 blocks, and 1000 villagesbecome resource villages – training centres andimmersion sites

13



N.R.L.M - financial inclusion

Access to credit key to coming out of poverty.

A minimum of Rs.100,000 per family required,in several doses over a period of 5 – 6 years. Ofthis 90% has to come from financialinstitutions.

Financial inclusion at affordable cost holds thekey



Building pro-poor financial sector

Strategic partnerships with banking sector - intensivedistrict adoption by select banks

SPV promoted by NABARD, SBI and State

Governments to finance S.H.Gs ( Karnataka)Accessing Co-operative banks – restructured afterVaidyanathan committee recommendations

Promoting Financial intermediation by mature S.H.Gfederations

A national bank for women S.H.Gs on thelines of NABARD



Building pro-poor financial sector

Leverage IT and business correspondentsmodels. SHGs and federations as B.Cs

Facilitation support: ‘Bank Mitras ’, Financialliteracy and financial counseling

Interest subsidy on loans to S.H.Gs

Micro insurance to cover life, health and assets



National Rural Livelihoods Mission

Four streams of livelihoods promotion:

coping with vulnerabilities – debt bondage,food insecurity, migration, health shocksexisting livelihoods – stabilising andexpanding, making them sustainable

self employment - micro-enterprisedevelopmentskilled wage employment - opportunities ingrowing sectors of the economy

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strengthening existing livelihoods

Critical livelihoods are: agriculture, livestock, forestryand non-timber forest produce

Promote institutions around livelihoods

Promote end-to-end solutions, covering the entirevalue chain

Key – knowledge dissemination. Development ofcommunity professionals in a large number



strengthening existing livelihoods

Community managed sustainable agricultureholds immense promiseA family can secure additional annual incomes

of Rs.50,000 with 0.5 – 1.0 acre of land ( 0.25 to0.50 acre irrigated + 0.50 to 0.75 acre rainfedlands )Natural farming, multi layer, poly crop modelsfor food security and sustainable livelihoodsConvergence with MG NREGS to improve soiland moisture conservation, and, soil fertility



Mahila Kisan Sashaktikaran Pariyojana (MKSP)

• MKSP to improve the present status of women inAgriculture, and to enhance the opportunities forher empowerment.

•

MKSP is a sub component of the National RuralLivelihood Mission (NRLM)• The primary objective of the MKSP is to empower

women in agriculture by strengtheningcommunity institutions of poor women farmersand leverage their strength to promotesustainable agriulture.



MKSP Non-Negotiables• Strong Community institutions of Women farmers• Community managed Sustainable Agriculture - Low cost

sustainable practices such as NPM/ IPM/ IntegratedNutrient Management

• Promoting and enhancing food and nutritional securityat Household and Community level

• Drudgery reduction for women farmers•

Focus on landless, small and marginal farmers as projectparticipants

• Value addition and marketing• Resilience to climate change



Promotion of Livelihoods in the primary sector

•

Similar schemes will be formulated for :Livestock, dairying, N.T.F.P, Fisheries,handloom sector

• Learnings from these pilots will feed into thestrategies for N.R.L.M



skill development and placement

Up-scaling Skill development and placementthrough public-private partnerships – 1.0

crore youth over a period of 5 years

Special initiatives for J&K, IAP Districts (60),Minority concentrated districts and NorthEast



Progress till 2010-11

Skills and placement projects through private sector and N.G.Os -initiated in 2006. 15% of SGSY/NRLM allocation set apart forSpecial Projects.

Under this component 148 placement projects sanctioned to cover11.50 lakh beneficiaries (Total investment Rs. 1655 Cr. approx.)

24

2007-08 2008-09 2009-10 2010-11Projects approved 1 15 66 61

Beneficiaries 24,000 1,65,000 4,34,000 4,20,000

Total cost (crore) 10.81 140.20 634.32 797.01

Funds released(Cr.) 16.21 49.96 158.10 253.89

BeneficiariesTrainedPlaced

22,00018,000

18,00014,500

80,00055,000

1,40,0001,10,000



Special Skills and Placement Mission inJ&K

J&k Jobs Project was approved by Cabinet on May 19,2011, as a 100% Central assisted scheme.

This scheme will cover all youth: from rural and urban

areas, and, BPL and non-BPL category in J&K.

1 lakh J&K youth will be trained for salaried and self-employment in the next 5 years.

MoRD will take first year (July 2011 to June 2012) as ayear of experimentation to try out new models



Self employment and micro enterprisedevelopment

Entrepreneurship development among localyouth to generate in situ employment

5 – 6 million ‘micro -entrepreneurs’

Successful RUDSETI model will be replicated – MoU with RUDSETIOther innovations: Kerala KUDUMBASREE (community EDP trainers)



convergence and partnerships

Convergence – institutions of poor provide aplatform for convergence and optimisation of allanti-poverty programmesLinkages with PRIsPartnerships with N.G.Os and CSOsPartnerships with resource C.B.Os and resourcestate agencies ( S.E.R.P, KUDUMBASREE, BRLPS)

27



Partnerships for livelihoods

Partnerships with industries, industryassociations – for skills and placement, micro-enterprise development, and, marketing supportfor agri-forest produceDifferent thematic groups will be set up, likeagro-processing, garmenting, hospitality,automobiles, construction, IT services, etc.

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sensitive support mechanism

Dedicated sensitive support structures at alllevels to trigger social mobilisation .

A national mission management unit State wide sensitive support structure, fulltime dedicated head of the mission

Positioning multi-disciplinary team of trainedand competent professionals at state, districtand sub-district levelQuality human resources from open market

and from Govt. 29



Accountability

Extensive use of I.T for transparency and realtime monitoringDatabases of S.H.Gs and membersLink with BPL data baseAccountability Systems

• Regular meetings of S.H.Gs and

federations – financial transactions readout in the meeting• Social audit for transparency and

accountability



RESULTS MONITORINGComputerised MIS : submission and sanction ofproposals and online monitoring – centre tostates to districts

Periodic monitoring by teams of experts visitingstates

Baseline and impact evaluation by independentagencies

Large scale independent study – panel data -monitoring same households, once a yearover 10 years



NRLM implementation

Implementation:Process intensive – hence phasedimplementation

Intensive implementation starts with 10%blocks in the country – they are developedas resource blocks.Social capital from the 1 st phase blocksenables organic scaling in the rest of theblocks in a phased manner – all 6000blocks in 7 ears 32



NRLM - ACTION TAKEN BY MoRD

• Framework for Implementation prepared.• States to prepare their action plans ( State

perspective plan and Annual action plan)• Funds for preparatory activities released• World Bank loan of $1.0 billion negotiated• Workshops held: preparation of state action plans,

Strategy in intensive and non-intensive blocks,procurement procedures, HR Policy and recruitmentprocedures

• Secretary’s letters to all C.S s – 3 times

33



Transition from SGSY to NRLM

Basic requirement for states:• State Govt. approval for setting up of a society or using

an existing society• Setting up of a State Society• Appointment of a full time CEO• Recruitment of professionals at SPMU and Govt approval

for recruitment in the first phase districts• Preparation of SPIP

SGSY will cease to exist after 31 st December, 2011



Progress under NRLM - Setting up of SocietySRLM formed SRLM formed SRLM to be

formed bySep. 2011

SRLM to beformed afterSep. 2011 (byDec. 2011)

• AndhraPradesh

• Bihar• Gujarat• Kerala• Orissa• Tamil Nadu• Madhya

Pradesh• Rajasthan

• Puduchery• Punjab• Haryana• Himachal

Pradesh• Tripura• Sikkim

• Assam• J&K• Karnataka• Maharashtra• West Bengal• Chhatisgarh• Jharkhand• Uttarakhand• Meghalaya

• Uttar Pradesh• Nagaland• Mizoram• Manipur• Arunachal

Pradesh• Andaman &

Nicobar• Daman & Diu• Dadra&NH•

Goa• Lakshadwee35



NRLM Progress – Deputing CEO

Full time CEO An in-charge Officer is

working• Andhra Pradesh• Bihar• Gujarat•

Kerala• Madhya Pradesh• Odisha• Rajasthan• Tamil Nadu

• Chattisgarh• Puducherry• Sikkim•

Punjab• Tripura

36



N.R.L.M launched on June 3 rd atBanswara, Rajasthan



Issue: Suitable Name for NRLM• Aajeevika

• Mahila Shakti• Swavalamban• Grama Shakti,• Mahila Swashakti• Samridhi• Mahila Kranti• Sampoorn• Sanjeevani



• Abhyodaya• Jana Jagriti• Swa Shakti• Ujwala• Roshni• Swarna Bharat• Aalok,• Bhagyashree• Abhilasha•

Biswas• Navodaya• Jiwan Aadhar• Swachetna

Issue: Suggested Names for NRLM



Issue: setting up of committees

N.R.L.M Advisory committee headed byMinister, RD

N.R.L.M Co-ordination committee headedby Secretary, RD

N.R.L.M Empowered committee – forapproving state action plans



Issue: dedicated support structures

• Dedicated support structures a must to triggersocial mobilisation, institution building of thepoor, and livelihoods promotion

Poor should not be served poorly• Best talent should work for the poor• Working for the poor should be seen as an

attractive career option• Govt servants should not think that they have

been punished, when they are posted to N.R.L.M• Serious mismatch between outlay for programme

funds and funding support costs

I d di d



Issue: dedicated supportstructure

• Present provision of administrative cost is 5% ofprogram fund (excluding placement linked skilldevelopment and RSETI component) – is a serious

constraint• Professional support of multi-disclinary teams,

drawn from the open market and from theGovernment is essential.

• Good and dynamic HR policy ( Compensation andother terms) to attract and retain the best

• HR policy benchmarked with the best in the

market



Issue: dedicated support structure•

National level – EFC has not agreed to theMinistry’s request for setting up a National levelsociety for managing N.R.L.M

• However need for a dedicated society at thenational level exists – this will reduce the learningcurve for the states

• This unit will shrink when states pick up• Full time Mission Director – essential. At present

JS, S.G.S.Y is also the Mission Director• Need for recruiting dedicated manpower, by

paying them market rates for development

I d di d



Issue: dedicated supportstructure

• State level – except for A.P, T.N and Bihar – problems in each state as far as manning of themissions is concerned

• This is a serious issue in most of the states



Issue: target group of N.R.L.M

• Target group for N.R.L.M: Present N.R.L.Mformulation - only those categorised asBPL.

• In view of large exclusion errors in thepresent BPL list, what should be thetarget group under N.R.L.M

•

2011 BPL enumeration - many of theprevious errors are expected to be fixed.



Issue:Target group• Two formulations:

1. All those who are not falling underautomatic exclusion

2. BPL list, plus, – All those groups eligible under Category IV

MGNREGS works: SC/STs, beneficiaries ofland reforms, beneficiaries of Indira AwasYojana, small farmers or marginal farmersas defined in the Agriculture Debt Waiverand Debt Relief Scheme, 2008

– Worked in MGNREGS – 30 days – for thelast 2 years



Issue: Financial inclusion – aserious challenge

Poor performance of banks in lending tothe rural poor, including S.H.Gs.Innovations required:

• NBFC – State Govt, banks and NABARD – for exclusively lending to S.H.Gs and S.H.GFederations

• Mature S.H.G federations to become CFIs – community owned financial institutions (Mahila banks)



Issue: Financial inclusion

• National bank for women S.H.Gs – essential to focus on the issues of ruralpoor women



Issue: Financial inclusion

• Interest subvention on the same lines as

‘crop loans’ – to be taken with FinanceMinistry ( DFS)

•

Support states to set up their own NBFC sto finance S.H.Gs and S.H.G federationsexclusively – to be taken up with FinanceMinistry (DFS)

I b idi d d i i i



Issue: subsidies and administrationof subsidies

At present N.R.L.M provides for the following subsidies:1. Revolving fund

2. Capital subsidy3. Interest subsidy

Restructuring the first 2 subsidies in view of the negativeexperiences of S.G.S.Y.Subsidies should strengthen the institutional architectureand not weaken them

I R l f b idi d



Issue: Role of subsidies andadministration of subsidies

Who will administer the subsidies: desirable todelink subsidy administration from DRDAs

• To make DRDAs focus on building quality institutions ofthe poor

• To create a level playing field for all S.H.Gs and S.H.Gfederations to access grants – whether they are promotedby N.G.Os, DRDAs or banks

• Alternative mechanisms: Banks, NABARD ?

I Pl li k d kill



Issue: Placement linked skilldevelopment programme

• To achieve the target of 1 crore job opportunitiesfor rural poor by the end of 12 th Five Year Plan

• Present allocation is pegged at 15% of N.R.L.Moutlay – this needs to be lifted

• This needs to be lifted and we should be fundedfor creating 1.0 crore jobs for BPL youth



Strategy for IAP districts

Special focus on states with large tribalpopulation and IAP districtsStates to be advised to cover these districtsunder intensive N.R.L.M in the next 2 years

Support to N.G.Os already working in thesedistrictsSaturation approach – cover all familiesFormation of S.H.Gs and federations in all

villagesCreation of Social capital – S.H.G and federationleaders, community resource persons, villagepara professionals



Institution building – IAP districts

Financial inclusion – a big challenge ??Agriculture livelihoods – C.M.S.A strategyN.T.F.P livelihoods – with forest dept.

Convergence – MG NREGS, N.R.L.M andForest dept fundsSecuring land rights of the tribals – paralegal approachFocus on youth – placement linked skilldevelopment – special scheme to be takenup on the lines of the J&K SEE programme

Nrlm Final Present

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