1. CBO Coordinated Livelihood Development in Sagar Block under ICZMP
5/19/2018
ICZMP- WEST BENGAL

2. Sagar: Block Profile Total Area : 66,399 Acres
Number of Gram Panchayats :  9 
Total Population (As per Census 2011)  :  2,12,037 
Household (As per SECC 2011)    :  48,112 
HH with at least one deprivation + auto inclusion : 33,513
No. of SHG under Sangha : 2134
No. of HHs in SHGs : 25, (76.41%)
Literacy Rate : 85.23%
(78.06% F)
Main Livelihood Activities: Agriculture, allied sectors, betel vine, fisheries, businesses and service

3. Background MOU signed between WBSRLM and SPMU on 30th January, 2015
Implementation process started during July/August after several round of discussions for clarity
Annual Action Plan submitted - 3rd Sept 2015
World Bank Mission Visit to Sagar during Feb 2016
Annual Action Plan for submitted and approved (10.15 crores)

4. Major Decisions
SPMU to continue to fund and monitor 128 Entry Point Activities (EPAs) and the fund already given on IGAs (i.e. 6 contracts).
WBSRLM releases fund for Income Generation Activities to Sanghas based on Micro Investment Plan prepared by SHGs.
Community Investment Fund as grant to Sanghas for on-lending to SHGs and Revolving Fund as grant to SHG for on-lending to its members following existing WBSRLM guidelines.
The usual implementation procedures of WBSRLM programme delivery structure will be followed i.e. SMMU at the state level, DRDC / DMMU at the district level, and then BMMU at the block level with BDO as Block Mission Director with its support officials.
Execution of activities through community institutions after appropriate and adequate capacity building.

5. Guiding Principles/Modalities
No livelihood activities which are detrimental to the environmental will be undertaken/supported.
IGA fund will be utilised for productive purpose
Financial transactions between Sangha and SHGs on account of CIF will be transferred through Bank / Cheque
A purchase committee of 3 members will be formed for purchases of more than Rs At least 3 quotations will be required

6. Financial & Capital Services Production & Productivity
Livelihood Services
Financial & Capital Services
Market Linkages
Production & Productivity
Institutional Platforms of Poor under NRLM
(Aggregating and Federating Poor, Women, Small & Marginal Farmers, Destitutes)
Dedicated Support
Institutions
(Professionals,
Learning Platform
M & E Systems)
Human and
Social Capital
(Leaders, CRPs,
Community Para-
Professionals)
Last Mile Delivery of Public Services
Access to Entitlements
INNOVATIONS
Building Enabling Environment
Partnerships and Convergence

7. Overall Programme Strategy
PACKAGE OF INTERVENTIONS
Universal Coverage
Institution Building
Capitalization of Sanghas (Co-op) and SHGs
Credit Linkage of SHGs
Livelihood Interventions
Convergence
LEADING TO COMMUNITY OWNED INSTITUTIONAL ARCHITECTURE FOR SOCIAL AND ECONOMIC EMPOWERMENT OF THE POOR

8. Operations
SHG:
Women from all eligible HHs must be mobilised to form SHGs
Panchasutra must be followed- capacity building
SHGs prepare Micro Investment Plan for its members
Bank/Credit Linkage
Sangha
Registration of Sanghas under Cooperative Act
Capacity building of Sangha Samabay leaders
Sangha /Cooperative (Samabay) Parichalan Samity /Board of Directors must be strengthened
Sangha Samabay grades the SHGs
Sangha Samabay will help SHGs to prepare MIPs
Present HR strength of 3 CSPs per Sangha may be increased
Convergence with Panchayats

9. Sources of Capital for SHG members
SHG – Savings & RF
Cooperative - CIF
Bank
Bank Linkage during : Rs.337 lakhs covering 410 SHGs (Average: Rs 82K)
CIF disbursed during :Rs.111 lakhs covering 228 SHGs (Average: Rs.48K)

10. Strategy for Loans from Sangha
Grading of SHGs
MIP of A graded SHG for loan requirement
Appraisal of loan application
Sanction of loan by the BoD of the Samabay
Release of loan through A/C payee cheque or NEFT
Monitoring of the IGA as well as repayment of loan

11. Human Resource in Place
Sangha Level:
Community Service Providers: 25/27
Sangha Coordinator (after elections)
Block Level:
Supervisor, SHG & SE
DLT (4) from District Level
SMMU Level:
RD Specialist
Project Assistant (Accounts)
YP to be placed in Block (in pipeline)
Support through thematic experts in SM&IB, FI and Livelihoods from SMMU and DMMU
5/19/2018

12. Progress so far Sl. No. Name of the Training No. of Event
Total Participants 1
Exposure Visit 36 2
CIF Management & Book-Keeping Training 72 3
Sangha Management 45 4
MIP preparation Training 9 64 5
Workshop with Cooperation Deptt. 25 6
Review meeting at Block level
300 7
Grading Done - SHGs
597 8
MIP completed – SHGs
398
CSP trained and deployed 24 10
DLT trained and deployed

13. Important Achievements
Sanghas Operational and their registration under West Bengal Cooperatives Act completed
Rs.1.11 crore released to 9 Sanghas for on-lending to eligible SHGs under Sanghas
Lending to 228 SHGs covering 953 SHG members
Refinancing to other SHGs from recovery of CIF loan
Books of Accounts & other Registers have been printed and supplied to all Sangha Samabay
All Sangha Samabay have initiated Book-Keeping process as per CIF guideline
Social Capital developed for continuous support by Community Professionals
Convergence linkages with other Government departments

14. Status of CIF Disbursement
Sl. No.
Name of Gram Panchayat
Name of Sangha
SHGs targeted for CIF
(as on Aug.’15)
CIF released by WBSRLM
No. of SHG s Covered under CIF
No. of Member Covered under CIF
CIF Released from to SHGs
Avg. CIF/ Member 1
Ghoramara
GHORAMARA NARI MUKTI SANGHA 10
500000 11 64
7813 2
Muriganga-I
NABARUN SAMAJ UNNYAN SANGHA 45
212
10613 3
Muriganga-II
SAGAR SANGAM SANGHA 39 40
112
17411 4
Dhaspara Sumatinagar-I
BABA KAPILMUNI SANGHA 21 22 75
14000 5
Dhaspara Sumatinagar-II
KALPATARU SANGHA 29
117
12393 6
Ramkarchar
TRIBENI SANGHA 18
900000 77
11688 7
Rudranagar
SAGAR SAIKAT MOHILA SANGHA 25 27
133
9398 8
Gangasagar
GANGASAGAR UTTRAN SANGHA 14
700000 15 55
12727 9
Dhablat
CHIRANTAN SANGHA 87
12069
TOTAL
222
228
932
11910

15. Livelihood Activities with CIF
Smt. Tusi Maity of Maa Sarada SHG Dal has invested Rs.10000/- for revamping of her existing betel vine cultivation

16. Livelihood Activities with CIF
Smt. Sova Das of Maa Sarada SHG invested Rs.5000/- for paddy cultivation

17. Livelihood Activities with CIF
Smt. Sabita Das of Bharat Mata SGSY Dal invested Rs.25000/- in fishery activities

18. Livelihood Activities with CIF
Smt. Uma Kandar of Rudranagar Manisha SHG Dal invested Rs.20000/- for food item preparation activities

19. Budget & Fund Utilization in 2015-16 Amount received from SPMU
Sl. No.
Main Components
Annual Budget
Amount received from SPMU
Total Expenditure 1
Office Operating Cost
2,10,000
2,74,10,000
7,46,000 2
Travelling
1,40,000 3
Other Office Overheads
35,000 4
Training, Meeting, Workshop etc.
32,50,000 5
Physical and Pilot Investments
(Release of CIF)
4,98,00,000
1,11,00,000
GRAND TOTAL
5,34,35,000
1,18,46,000
Progress of work hampered to some extent by the declaration of Elections

20. Quarter wise Target for 2016-17
Annual Plan
Sl. No.
Main Components
Quarter wise Target for Q1 Q2 Q3 Q4
Total 1
New SHG formation
254
251
262
1021 2
Revolving Fund
(No. of SHGs)
152
203
201
759
(ii) Revolving Fund (RF) Amount in Lakhs
22.8
30.45
30.15
113.85 3
(i) Community Investment Fund (to SHGs)
524
470
414
212
1620
(ii) Community Investment Fund (Amount in Lakhs)
235
207
106
810

21. Annual Budget (Rs. in lakhs)
Budget for
Sl. No
Components
Annual Budget (Rs. in lakhs) 1
Office Operating Cost (0.35%)
3.60 2
Travelling (0.24%)
2.40 3
HR (0.47%)
4.80 4
Other Office Overheads (0.06%)
0.60 5
Training, Meeting, Workshop etc. (7.90%)
80.25 6
Physical and Pilot Investments ( CIF)
Loaning to 1620 SHGs
(1848 (fresh) SHGs (repeat)
(79.76%)
810.00 7
Revolving Fund to 759 new Rs.15,000 (11.21%)
113.85
GRAND TOTAL

22. Distribution of budget

23. Focus Areas in 2016-17 Financial Inclusion
Creating more demand for CIF and ensuring coverage of the poorest
Effective monitoring mechanism for CIF, Bank Linkage, business implementation
Building awareness on social issues through Sangha Cooperative Society including reduction of vulnerablities.
Livelihood Collectives / Farmers’ Cooperatives

24. Challenges
Formation of new Board of Directors for newly formed Sangha Cooperative Society through AGM
Repayment of loans
Bank Linkage for larger sized loan
Engagement of quality professionals at block level
Systems and HR for Sustainable Sanghas
Development of Livelihood Collectives / Producers’ Organizations

25. Thank You