1. Socio-economic Empowerment of Rural Poor through Sustainable Community Institutions in Bihar
JEEViKA
Bihar Rural Livelihoods Promotion Society (BRLPS) -
State Rural Livelihoods Mission (SRLM)
Government of Bihar

2. Bihar : Background
Bihar Area - 2.8% of India, population - 8% of the country
81% depend on agriculture - 70% small & marginal farmers
Average landholding ha & usually no irrigation
Average food security - for 4-5 months for small holders
CD ratio 32%, much below the national average of 73%
54.4% live Below Poverty Line
Non-existence of complementary community institutions to participate in development process
Low investment by formal sector leading to poor accessing credit at exorbitant interest rate from informal sources
Lower productivity – alienated small holders, increasing uncultivated land & food insecurity

3. BRLPS registered in 2006 & project JEEViKA started in October 2007.
JEEViKA : at a Glance
BRLPS registered in 2006 & project JEEViKA started in October 2007.
Outreach : Rural Poor HHs 7.5 lakh in 55 Blocks of 9 districts.
Mission: Social & Economic Empowerment of Rural Poor through self managed community institutions of women
Effective BRLPS Executive Committee: headed by Dev. Comm.
Systematic Pro poor targeting model & Saturation approach
Building Social Capital – “Community Cadre”
Convergence with Line Depts, Business relationship with Bankers & Partnership with service provider agencies
Exclusive system development in COM, Fin. & Admin, procurement, HR manual & its continuous updating

4. JEEViKA :Vision
Each SHG member should
have accessed cumulative credit of Rs. 1 Lakh.
have retired all high cost debt .
have Invested a major part of credit in a basket of income generating activities (2 or 3 livelihoods).
have generated income Rs. 10,000 / pm (incremental).
Have substantially reduced expenditure on health and become food secured throughout the year.
come out of poverty in 5 to 7 years time frame

5. Social & Economic Empowerment of the Rural Poor through :
JEEViKA : Objective
Social & Economic Empowerment
of the Rural Poor through :
Self Managed SHGs established, covering at least 80% of the target household
At least 50% of those who have received CIF have increased income by at least 30% of the baseline
At least 50% of SHG members have reduced high cost debts from informal sources
Creating self managed community institutions of poorest of the poor and poor households.
Enhancing income through sustainable livelihoods.
Increasing access to social protection including food security through a greater voice.

6. JEEViKA : Presence
YEAR
Block
Cum. Block
District
BRLP
BKRFP
SRLM
2006 5
2007 13 18 6
2009 26 44 8 24 2
2010 11 55 9
2012
113
168 38 60 53
102

7. JEEViKA : Dedicated Support Structure
Dedicated Society
General Body and Executive Committee
State Project Management Unit
PD cum CEO supported by thematic experts & support staffs
District Project Coordination Unit
District Project Manager supported with specialists
Block Project Implementation Units
a Team consisting of Block Project Manager, Area Coordinators, and Community Coordinators
Cadre of Community Resource Persons,
Book Keepers and Community Mobilisers

8. JEEViKA : Institutional Architecture
BLF - 2
CLF
6% Interest VO
CBLF
12% Interest
SHG
24% Interest PG
Members

9. 1. Community Institutions Development Formation & Strengthening of
JEEViKA : Components
1. Community Institutions Development
Formation & Strengthening of
a. SHG’s and its Federations
b. Producers Groups
Community Investment Fund
a. Initial Capitalization Fund
b. Livelihood Fund
c. Health Risk Fund and Food Security Fund
Special Technical Assistance and Development Fund
a. MF Investment & Technical Assistance (MITA)
b. Innovations & Partnership with NGOs
Project Management
a. HR Management
b. Monitoring and Evaluation
c. Communication

10. JEEViKA : Framework Livelihoods Enhancement Vulnerability Reduction
Financial Inclusion
Savings, Credit
Insurance
Remittances
Help Desks at Banks
Banking Correspondents
Productivity Enhancement
Agriculture (SRI, SWI, PVSP)
Dairy & Small Ruminants
Bee Keeping
Fisheries , Makhana
Non-farm incl. Art & Crafts
Market Access
Collective Marketing
Producer Companies
Market Partnerships
Jobs and Skill Development
Institutional Platforms of the Poor
(SHGs & Federations)
Vulnerability Reduction
Access to Entitlements
BPL Cards
PDS Cards
Job Cards
Social Pensions
Food Security
Land Leasing
Productivity Enhancement
Food Rations from PDS
Collective Purchase of Food
Health Security
Health Savings
Loans from Health Risk Fund
Women Outreach Workers
Mobile Clinics

11. “Self Exclusion Targeting Model” & “Saturation” approach
JEEViKA : Key Features
“Self Exclusion Targeting Model” & “Saturation” approach
Building Social Capital - “Community Cadre”
Working on both - “Demand” & “Supply”
Dedicated support structure
Investment in capacity building & performance monitoring
Convergence with Line Departments, business relationship with bankers & partnership with service provider agencies.
Exclusive system development & its continuous updating

12. JEEViKA : Journey of Nirmala Devi, Shekhwara
Before joining SHG:
Landless Mahadalit, got 1 acre Bhudan land - low-productive
Family - Husband & 3 Sons
Average 15 days/month daily labour
2 quintal of rice/annum (Rs. 2000)
Incurred high cost debt of 120%/annum
Mortgaged half of her land
As the interest was rising, sold the only cow & repaid 5500
Lost all hopes
Joined Suraj SHG in 2006 motivated by CRPs from AP

13. JEEViKA : Journey of Nirmala Devi, Shekhwara
After Joining SHG:
Took 3 small loans from savings: 200, 300 & 500 for health needs
Took 5000 from ICF to start a grocery shop, earning 2000/month
Two sons trained under DRF & earn 150/day for 15 days/month
She is a senior CRP now, moves out to mobilise and earns also
She cleared all high cost debts and mortgaged land
Husband tried SRI and got 5 quintal amounting Rs. 5000
Her family income raised from 1500 to 7000/month
Gets regular food grains - right price & quantity from VO run PDS
Set to take another loan to settle her last son in business/dairy
Great difference she feels is a debt free, tension free happy life

14. Social Inclusion

15. Achievement (till June,12)
JEEViKA : PROGRESS
S.N.
Parameters
Achievement (till June,12) 1.
No of HH Mobilized into SHG fold
771693 2.
No of SHG formed
59105 3.
No of VO formed
3795 4.
No of CLF Formed 36 5.
No of SHGs having Bank Account
43140 6.
No of Groups recd. ICF
37415 7.
No of SHGs Linked with Banks
26877 8.
Amount Mobilized from Bank (Rs in crore)
137.47 9.
No of Youth Placed
2600
10.
No. of SHG members in Livelihoods intervention
192000
11.
No of DCS Formed
234
No. of VOs Participated in the Food Security
2012
12.
No. of VOs Participated in Health Risk Intervention
2314
13.
No of SHG member linked with Social Security
32859
14.
No of SHG member linked with the Insurance
123000

16. JEEViKA : IMPACT
Sample 2666 HHs completed 3 years, shown the following results-

17. SIGNATURE LITERACY

18. JEEViKA : IMPACT
Sample 4000 HHs villages completed 3 years, shown the following results-
HHs showed better saving habit in Treatment Villages % more
HHs taking High Cost debts in Control Villages times more
HHs likely to invest their loans in Livestock's in Treatment Villages- 2.4 times more
177% HHs increased their ownership of Bullocks.
59% HHs increased their ownership of Cows.
ECONOMIC EFFECTS
27% HHs faced lower food shortage in Treatment Villages
FOOD SECURITY
33% more women can sign & 4% more women could read in Treatment Villages.
5% more Women participated in Panchayat meeting in Treatment Villages.
5% more Women visited Health Centers.
EMPOWERMENT

19. Exposure of the Project
Her Excellency, Honorable President of India, Mrs. Pratibha Patil’s Presidents’ Secretariat has invited JEEViKA on 11th August 2010 for presentation on rainfed farming : its opportunities and challenges with specific reference to System of Rice Intensification (SRI) and System of Wheat Intensification (SWI).
The World Bank President Mr. B. Zoellick and Country Director Mr. Roberto Zeiga visited the Project and met community members from the project.
A NATIONAL COLLOQUIUM ON SCI was organised by the Project in which Prof. Norman Thomas Uphoff from Cornell University, USA; Dr. Erika Styger with experience of working in Africa and Ms. Susan Burnell Edwards, Director-Institute for Sustainable Development-Addis Ababa, Ethiopia have participated.
The Project was honored by the “SKOTCH CHALLENGER AWARD” for livelihoods intervention.

20. JEEViKA : Positive Factors
Display of leadership / Team Work:
Pilot of all interventions with small numbers in a focused manner
Expert agency/Special spearhead teams to undertake the pilot
Based on learnings, refinement made in implementation strategy
Standard guideline prepared for scaling up
 Sustainability factor:
Institutions managed by the community
Financial viability over time
Active Sub-committees in the VOs
CRP Strategy
Community professionals as driving force
Web Enabled MIS:
For effective monitoring of outcome indicators

21. JEEViKA : Dedicated Support Structure
Dedicated Society
General Body and Executive Committee
State Project Management Unit
PD cum CEO supported by thematic experts & support staffs
District Project Coordination Unit
District Project Manager supported with specialists
Block Project Implementation Units
a Team consisting of Block Project Manager, Area Coordinators, and Community Coordinators
Cadre of Community Resource Persons,
Book Keepers and Community Mobilisers

22. JEEViKA : Sustainable CBOs
Formation of CBOs and their quality nurturing
Mobilisation starts from the poorest hamlets
Focus on vulnerable sections like SCs, STs, minorities, differently able, landless, migrants, isolated HHs etc
Formation of quality SHGs based on “affinity” & “neighbourhood”
Standardized COM, Training modules etc for intensive capacity building of the SHGs and their federations
Development of livelihood groups (Producer Groups) and their federations (Producer Cooperatives/Companies)
Creating the federations as centre point of all entitlements
Block Level Federation to act as sustainable community managed agency in a span of 5-7 years

23. JEEViKA : Sustainable CBOs
CBOs to be self managed, supported by community cadres
Taking support of Community Resource Persons (CRP):
Selected & trained best practising members mobilise in new areas
CRPs as agents of change & no dependence on outside factor
Development of Master Trainer CRPs for training by the community
ii. Knowledge Rooting at Community Level:
Social assets - cadre of Community Mobilizers and Book Keepers
Community managed extension system in agriculture – VRPs
The federations monitor & release payment to community cadres
Sub committees function to plan, execute and monitor activities

24. JEEViKA : Financial Inclusion
Financial assistance to the poor through Capitalization:
Uniform books of records
Participative Micro Planning (MP) at community level
Community Investment Fund (CIF) for capitalization
Range of requirements kept open ended and as per MP
Debt reduction & mitigate other vulnerabilities
Designing of financial products :
Health Risk Fund
Food Security Fund
Streamlining Mainstream Bank Finance:
Partnership (MOUs) with Commercial Banks & RRBs
Banks came forward to facilitate the process Financial Inclusion

25. JEEViKA : Financial Inclusion
Exposure Visit of Branch level & Senior Officials of Banks
Improving quality of service delivery by setting up ‘Bank Mitra-Help Desks’ at branches
Bank Mitras are community members trained to facilitate banking procedures at the branches for SHG members
It reduced banking time for the poor
Ratification of Bank Mitra policy by SLBC
Formation of a Steering Committee of SLBC on SHG financing and Financial Inclusion
Enhancing the credit limit of SHG’s to minimum of Rs. 50,000/-
Ensuring issuance of directions from different Bank’s HOs
Ensuring timely supply of stationery from Banks for SHGs

26. JEEViKA : Reduction of Vulnerability
Strategies for Enhancing Food Security
Productivity enhancement in cereal crops
Community managed Food Security Mechanism (FSF)
Enhancing access and management of PDS by the CBOs
Strategies to enhance Health Security
Dedicated financial product for Health (HRF and its saving)
Service at doorstep by Women Outreach Workers
Access to the public health facilities (Community Clinics)
Strategies to enhance Entitlements
VOs facilitated to access Social Security Schemes
Implementation of MGNREGA through community institutions

27. JEEViKA : Integration with Livelihoods
Comprehensive agriculture intervention with small holders
SRI, SWI & SCI, PVSP, Vermi Compost for productivity enhancement
Formation of Women’s Farmer Producer Companies
Promotion of Honey producers network
Organizing SHG HHs into Dairy Cooperative Societies
Fishery & Makhana: Mobilizing fisher-women in cooperatives
Cluster based approach for selected art & crafts sectors
Assessment of the skill gap and placement in jobs
Community Based Extension Mechanism : Key to success
Village Resource Person (VRP) is a local farmer identified by the VO
Conduct micro-plans & handhold 50 – 80 members in the entire cycle
Service charge designed to mobilize & motivate vulnerable sections

28. HH level Income from Rs. 15-20 K to 100 K
4/13/2017
HH level Income from Rs K to 100 K
Financial Product, Awareness & access to health services/entitlements of Govt. through CBOs
Collective Procurement, Public Distribution System, Productivity Enhancement
Information sharing at CBO level, Demand Driven education-Skilled, NREGS & other programmes, Signature to Functional Literacy
Financial Products, Demand Driven Land /Pond Leasing, Assetization, Selling marketable surplus through CPC / PC / DCS / Etc.
OFF/NON FARM
GOAT REARING / POULTRY / BEEKEEPING / FISHERY / SKILL BUILDING 20000/-
DAIRY 24000/-
MGNREGS 14000/-
AGRICULTURE 50000/-

29. JEEViKA : Strategies : Project Management
HR & OD :
Multiple recruitment options: Open Market, Deputation, Internal selection, Campus, Intern model
Partnership with academic / training institutions for CB
Staff deployment with tapering strategy linked with graduation of CBOs
M & E :
Institution based MIS - Web-based monitoring system
Qualitative measurement with Process Monitoring & Thematic Studies
Concurrent management review, learning system and impact evaluation
KM / Communication & Governance / Accountability
Use of new mediums with traditional channels for both Internal and External Communication
Integration of IT with CBOs for transparency & credibility

30. JEEViKA : Innovativeness & Replicability
Learnings of JEEViKA incorporated in National Rural Livelihoods Mission (NRLM) Framework and Guidelines.
BRLPS designated as SRLM for rolling out NRLM in Bihar.
The model of JEEViKA approved for scaling up in the whole state under NRLM targeting 1.25 Crore poor HHs.
State Perspective and Implementation Plan (SPIP) for NRLM approved by the State Cabinet and MoRD, GoI.
System of book keeping for CBOs is being accepted by Banks & CSOs.
Results of SRI pilots instrumental in GoB launching “SRI Kranthi” in 3.5 lakh ha across the state.
BRLPS providing resource support to similar projects.

31. JEEViKA : Key Results by 2021-22
Social Inclusion and Institution Building
1.25 Crore women mobilised, 10 Lakh SHGs, 65 Thousand VOs, 1600 CLFs
3.75 Lakh of Community Para Professionals providing services to CBOs
Financial Inclusion
3100 Crore in Savings & Rs. 12,000 Crore Credit from Banks
Atleast 70% SC/ST/Vulnerable HHs access funds
Vulnerability Reduction
Atleast 80% HHs improved Food Security
Atleast 50% HHs covered under Health Safety Net & Social Security Schemes
Livelihoods Enhancement
Atleast 70% HHs achieved 40% increase in Income
Atleast 15 lakh jobs created with placement in formal & informal sectors

32. Chief Minister Shri Nitish Kumar interacting with SHG at Gangapur Village, Muzaffarpur

33. President World Bank Shri R. B
President World Bank Shri R. B. Zolleick interacting with community at Patna

34. Minister RD, GoI Shri Jayram Ramesh interacting with VO at Shekhwara Village, Gaya

35. British Parliamentary Committee discussing with households at Bhusia Village, Gaya

36. Shri Norman UpHoff from Cornell University, US with SRI farmers in Ghantadih Village, Gaya

37. Country Director, WB, Shri R
Country Director, WB, Shri R. Zagha interacting with VO at Bhusia Village, Gaya

38. THANK YOU JEEViKA : A Presentation by
Bihar Rural Livelihoods Promotion Society –
State Rural Livelihoods Mission, Bihar