1. Presentation on Swarnjayanti Gram Swarozgar Yojana (SGSY)/
National Rural Livelihoods Mission (NRLM)

2. S.G.S.Y - STATUS
S.G.S.Y : a holistic programme covering all aspects of self-employment
Implemented in all the States/UTs except Delhi & Chandigarh
Main Achievements since inception
38.9 lakh SHGs formed
1.47 crores Swarozgaris assisted financially with bank credit & subsidy

3. S.G.S.Y - STATUS
Credit mobilization: from Rs.1100 crore in to over Rs.4450 crores in
Per capita investment: from Rs in ’99 to Rs in ’09
Skills and placement projects: About 1.72 lakh beneficiaries trained & 1.35 lakh placed

4. PROGRESS : S.G.S.Y – 2009-10 Item 2009-10 1 SHGs formed (in Lakh) 3.9
Swarozgaris
assisted (Lakhs)
Target
18.2 3
Ach (% ach)
(116%) 4
SC/ST s
(52%) 5
Women
(72%) 6
Minority
(11.6%)  7
Total Investment (Rs. Cr)
6409   8
Subsidy : Credit Ratio
2.3  9
Per Capita Investment
31817

5. NEED FOR RESTRUCTURING
Shortcomings experienced during implementation
Feedback from key stakeholders
Large scale initiatives of some states
Recommendations of various studies
Steering Committee constituted by the Planning Commission for the 11th Plan
Recommendations of Prof. Radhakrishna Committee

6. KEY LESSONS FROM LARGE SCALE EXPERIENCES
Building institutions of poor critical to address poverty holistically
Even the poorest family can come out of abject poverty , in years provided they are:
organized, build and nurture own institutions
provided continuous handholding support
able to access thrift and credit in repeat doses, for meeting varied priority requirements
minimum Rs.1.0 lakh per family required 6

7. KEY LESSONS FROM LARGE SCALE EXPERIENCES
Institutions of poor – greatest source of strength for the poor
Poor to drive all project initiatives – poor can best be reached through empowered poor
Role of project staff and N.G.Os – redefining required – as facilitators of the process for enabling emergence of community resource persons 7

8. NATIONAL RURAL LIVELIHOODS MISSION: GOAL - POVERTY ELIMINATION
Sustainable livelihoods for the rural
poor through social mobilization and
institution building 8

9. NATIONAL RURAL LIVELIHOODS MISSION
Two major livelihoods streams:
accessing and optimizing self employment opportunities, and,
accessing skilled wage employment opportunities in growing sectors of the economy 9

10. GUIDING PRINCIPLES
Poor have a strong desire to come out of poverty, and, have innate capabilities
Social mobilization and building strong institutions of the poor critical for unleashing their capabilities
Dedicated and sensitive support structure required to induce social mobilization 10

11. Financial & Capital Services Production & Productivity
NRLM
Livelihood Services
Financial & Capital Services
Market Linkages
Production & Productivity
Institutional Platforms of Poor
(Aggregating and Federating Poor, Women, Small & Marginal Farmers, S.Cs and S.Ts)
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

12. SALIENT FEATURES: UNIVERSAL SOCIAL MOBILISATION
Saturation approach
One member from each household, preferably a woman, would be organized into a S.H.G
All villages, blocks and districts – in a phased manner
Focus on most vulnerable: SC/ST, PVTGs, minorities, women headed households
Special focus on states with large tribal population and LWE districts

13. INSTITUTION BUILDING
Formation, nurturing - SHGs and their Federations at village, block and district level
Other collectives – livelihoods organisations
Institutional platform to provide space, voice and resources for the poor
Best done through community resource persons, federations of the poor

14. CAPACITY BUILDING
Continuous capacity building – key to strong institution building and empowerment
Multi-pronged approach
Knowledge dissemination to all members
Most effective training – at village level
Creating a cadre of trainers, service providers, Community Resource Persons (CRPs) and Master Craftsmen
Network of training institutions for capacity building at districts and State level

15. BUILDING PRO-POOR FINANCIAL SECTOR
Access to credit key to coming out of poverty. Out of Rs.100,000 per family required – around 90% has to come from financial institutions
Strategic partnerships with banking sector
Leverage IT and business correspondents models
Facilitation support: ‘Bank Mitras’
Financial literacy and financial counseling
Interest subsidy on loans to SHGs
Micro insurance to cover life, health and assets

16. KEY LIVELIHOODS PROMOTION
2 major livelihoods – account for 80 – 85 % of the incomes of the poor – agriculture and livestock
Promote end-to-end solutions, covering the entire value chain
Promote community managed sustainable agriculture – for food security and for secure livelihoods

17. SKILL DEVELOPMENT AND PLACEMENT
Up-scaling of Skill development through public-private partnerships
15% of allocation for placement linked skill development projects
50% of the funds for projects transferred to States for inter district projects
Clear focus on placement
60 lakh skilled jobs for rural poor in 7 years planned

18. SELF EMPLOYMENT AND MICRO ENTERPRISE DEVELOPMENT
Entrepreneurship development among local youth to generate in situ employment
60 – 70 lakh micro-enteprises
Successful RUDSETI model will be replicated

19. ESTABLISHMENT OF RSETIS AND THEIR EFFECTIVE FUNCTIONING
Plan to set up 500 Rural Self Employment Training Institutes (RSETIs)
Bank led institutes. MoRD grant Rs.1 crore for building, and, reimbursement of training cost for BPL candidates.
State Government would provide land free of cost.

20. LINKAGE WITH PRIs
Establish healthy relationship between institutions of the poor and the PRIs – based on mutual respect and understanding
Institutions of the poor have a regular dialogue with PRIs, provide all information to them, and, actively participate in the Gram sabhas
PRIs understand the role that S.H.Gs and federations play in the life of the poor, and, include pro-poor initiatives in their plans

21. PARTNERSHIPS: N.G.O
N.G.Os – pioneers in the country in grassroots social mobilisation, building institutions of poor
Partnership based on: mutual respect, core principles of NRLM, accountability to institutions of the poor, outcomes based
Learn from best practices of N.G.Os
Strengthen social capital created and nurtured by them
Resource villages and resource blocks – for mentoring other blocks and districts
Pilots for innovations

22. PARTNERSHIPS Industry/ Industry associations:
Livelihoods promotion – forward and backward linkages
Skills and placement
Academic institutions
Capacity building of development professionals, village level community professionals
Evaluations and mid-course corrections

23. FINANCIAL NORMS
Formation of S.H.G – Rs.10,000 per S.H.G
Revolving fund: Rs. 10,000 to Rs. 15,000 per SHG equivalent to corpus of SHG
Capital Subsidy: Max Rs lakh per SHG Rs 15,000 for general and Rs 20,000 for SC/ST per Swarozgari
RF and Capital subsidy - directly to SHGs or through their federations

24. FINANCIAL NORMS
Capacity building, skills training: Maximum of Rs 7500 per Swarozgari
Interest subsidy: Difference between PLR and Rs 7% per annum interest rate
Corpus fund for federations
Rs 10,000 at Village/Panchayat level
Rs 20,000 at Block level
Rs 100,000 at District level

25. ACCOUNTABILITY
Extensive use of I.T for transparency and real time monitoring
Accountability Systems
Regular meetings of S.H.Gs and federations – financial transactions read out in the meeting
Social audit for transparency and accountability

26. RESULTS MONITORING
Computerised MIS
Periodic monitoring by teams of experts visiting states
Baseline and impact evaluation by independent agencies
Large scale independent study – panel data - monitoring same households, once a year over 10 years

27. Thank you