SWARNAJAYANTI GRAM SWAROJGAR YOJANA.pptx

Brief Presentation of SGSY

1. SWARNAJAYANTI GRAM SWAROJGAR YOJANA Presented by:- Tapobrato Ghosh Subject : Geography Roll No : 19AG0571 Registration No : 0291906011563 College Name : Siliguri College Course : B.A.(Programme) Semester : 6th Semester UNIVERSITY OF NORTH BENGAL

2. SWARNAJAYANTI GRAM SWAROJGAR YOJANA

3. INTRODUCTION Launched By : Government of India Date of Launch : April 1, 1999 Programme Specific : Self Employment, Asset Creation, Income Generation and Create access. Scheme Replaced : Swarnajayanti Gram Swarozgar Yojana (SGSY) was enacted in the dawn of the financial year of 1999-2000 as a replacement of six other affiliated schemes. The initiative was designed as an integrated program that caters to the self-employment of the rural poor. Integrated Rural Development Program (IRDP) Training of Rural Youth for Self-Employment (TRYSEM) Development of Women and Children in Rural Areas (DWCRA) Supply of Improved Toolkits to Rural Artisans (SITRA) Ganga Kalyan Yojana (GKY) Million Wells Scheme (MWS)

4. OBJECTIVES One of the main objectives of the SGSY is bring the Assisted Rural poor families Above Poverty Line by ensuring sustained increase in the income. Family net income should be Rs. 2000/Month. The assisted families may be individuals (swarozgari) or groups (self-help groups). Emphasis will be on the group approach. Some Successful SGSY Implimentations

5. ROADMAP The initiative focusses on establishing a large number of micro-enterprises in rural areas based on the potential of such areas (land-based or otherwise). Due consideration is accorded to different components such as capacity building of the poor, skill development training, credit, training, technology transfer, marketing and infrastructure Group Creation Capital Creation Implementation This stage covers the assessment of the skill level of the members. This involves the use of a rotating fund system,he members are facilitated to hone their skills through experience. The implementation is processed according to the pace desired by the respective groups.

6. GUIDELINE RELOVING FUND INSURANCE COVER GOV. SUBSIDIES POST CREDIT FOLLOW UP REPAYMENT OF LOAN RISK FUND FOR CONSUMPTION CREDIT REFINANCE OF SGSY LOANS RECOVERY SERVICE AREA APPROACH SUPERVISION AND MONITORING LBR RETURNS

7. SHGs in Working

8. IMPLEMENTING AGENCIES The Swarnajayanti Gram Swarozgar Yojana (SGSY) is being implemented by the District Rural Development Agencies (DRDAs), with the active involvement of Panchayati Raj Institutes (PRIs), the Banks, the line department and Non-Government Organisations (NGOs). Self-Employment

9. SUBSIDIES AND FUNDING GOVERNMENT SUBSIDIES :- A uniform subsidy of 30% of the total project cost is allowed under the scheme, subject to a ceiling of Rs. 7,500. A subsidy of 50% of the total project cost, subject to a ceiling of Rs. 10,000 is extended to SC/STs and disabled persons. A subsidy of 50% of the total project cost, subject to a ceiling of Rs. 1.25 lakh or per capita subsidy of Rs. 10,000 (whichever is less) is provided to Self-Help Groups (SHGs) and individual swarozgaris . FUNDING :- The maintenance, education, and funding for these groups comes from NGOs, philanthropists, CBOs, banks, organizations promoting self-aid, and District Land Development Agencies (DRDAs) that are owned by the government . Government funding for scheme is divided between the center and state on 75:25 basis . DRDA receives funds directly from the state and conducts training, infrastructure and economics activities for a maximum of 10% of the fund.

10. FUNDING- RELEASE OF FUNDS The Centre releases funds in two installments Release of first installment without condition if second installment in the previous year was released without any condition else formal request is required The second installment of Central funds in released on the request of the DRDAs . Funds Distribution

11. ROLE OF PRIs, NGOs etc. Identification of the poor Capacity building and training Infrastructural Support Linkages of SHGs with Banks Marketing Support Monitoring and Social auditing Maintenance of record of SHG Dissemination of Best Pratices Engaging youths

12. FLEXIBLE DESIGN Dedicated support organization for NRLM Universal Social Mobilization of the rural poor Building institutional platforms for the poor Training and capacity building Developing pro-poor financial sector Access to services and entitlement Linking with markets Risk mitigation Gender empowerment SHGs at Small Farming

13. SALIENT FEATURES The SGSY aims at establishing a large number of micro enterprises in the rural areas, building upon the potential of the rural poor, The SGSY emphasis on the cluster approach for establishing the micro enterprises. The SGSY adopts a project approach for each key activity. Aims to cover maximum number of panchayats. The assisted families may be individual or groups (Self Help Groups). The group approach involves organization of the poor into Self Help Groups and their capacity building. A credit-cum-subsidy Programme. Provides information for promotion of marketing of the goods produced by the SGSY Swarojgaris. The SGSY in implemented by the DRDAs though the Panchayat Samitis.

14. PROCESS OF IMPLEMENTATION Organizing the rural poor into SHGs Inclusion of the poorest Assistance to take up economic activities Activity cluster Training and capacity building Providing of income generation assets infrastructure support and technology Credit and marketing services SHG Bank Linkage

15. ORGANZING AND SELECTION PEOPLE Mobilizing of Swarojgaris-individuals or groups Subscribes to BPL list (BPL Census) approved by Gram Sabha BDO, Banker, Sarpanch visit to hamlets PROBLEMS Inclusion of non-poor Exclusion of the poor No foolproof method of selection Schooling discussion among SHGs

16. FORMATION OF GROUPS WITH ASSISTANCE OF NGOs Emphasis on group approach rather than financing individual Help of NGOs, CBOs and individual in groups formation Group approach- clarity regarding the roles and design to the members Group formation- time and nurturing from a good facilitator; 10-20 individuals in a SHG; one person part of one group. PROBLEMS Selection of NGOs not transparent NGOs with limited experience in implementation Problems of co-ordination between NGOs and Govt. Some places of implementation – no NGOs Formation of SHGs – a time taking process

17. FUNCTIONING OF GROUPS Once formed, groups do internal lending Trained by DRDA along with banks to develop strengths and saving Accessing credit, subsidy and loan from banks SHG meetings and regular savings Maintenance of account books PROBLEMS Internal loaning/lending – “A Fake Exercise” Groups lacked cohesiveness Slack in SHG meeting and irregular savings Fake records Self Employment

18. TRAINING AND SUPPORT Training provided in the selected activities by DRDA Training provided to fellow “Swarojgaris” Banks to provide “multiple doses of credit” rather than “one time credit injection” Support from PRI and Govt. departments regarding use of funds PROBLEMS Supply driven not demand driven Training provided in activities of non-interest Lack of quality training Non-availability of raw materials Problem in marketing of finished products Difficulty in procurement of raw materials

19. PERFORMANCE, EVALUTION AND SUCCESSFUL IMPLEMENTATION

20. TOTAL SHGs PROMOTED 76.4 LAKH TOTAL BLOCK COVERED 6809 TOTAL BANK LOAN TO SHGs 4.35 LAKH CRORE Scale Achieved by NRLM as per March 2020

21. BIHAR WEST BENGAL ANDHRA PRADESH UTTAR PRADESH MAHARASHTRA ODISHA LEADING STATES

22. PHYSICAL PROGRESS OF SGSY/ NRLM

23. FINANCIAL PROGRESS OF SGSY/NRLM

24. STRENGTHS Promotion to micro enterprises Targeted towards BPL population Imparts focus on women Imparts permanent oppotunity Reliance on self employment

25. WEAKNESSES Lack of capacity building and training Credit Concerns Lack of SHGs at all level Inadequate Risk Mitigation Lack of Transparency and Accountability

26. WAY FORWARD Formation of Co-operatives to market SHGs products. Proper monitoring of activities. Selection of NGOs with better track records for Successful Implementation. Proper training and Development programmes for speedier of gradation of SHGs. Increase the coverage of banks to remote areas. Swarnajayanti Gram Swarojgar Yojana is successfully elevating rural people employment and helps the rural economy to grow into the heights. In states like West Bengal, Kerala, AP, UP etc. SGSY has made a great impact in the rural people daily life.Some of the important way forwards are:-

27. REFERENCES www.indiafilings.com www.pib.gov.in www.megcnrd.gov.in www.india.gov.in www.rbi.org.in www.rural.nic.in www.nrlm.gov.in PICTURES:- www.google.com INFORMATION :-

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