Institution Building Capacity Building
- The clear objective of the “National Rural Livelihood Mission” is to mobalize rural people out of poverty through institution building and linkages with livelihood activities
- Year: 2007-2010 Sakhi Mandal Yojana was implemented.
- Gujarat Livelihood Promotion Company Limited was formed on 21st April 2010 under Companies Act 1956.
- NRLM Scheme launched by Government of India in June-2011.
- NRLM Scheme started in 34 talukas of 22 districts of Gujarat from August-2012.
- On 29.07.2016, by the resolution of the Government of Gujarat, the scheme was implemented across the state
Who does the implementation?
Under the National Rural Livelihood Mission (NRLM), the objective is to empower women by organizing women from poor Household in rural areas and imparting skills training to them through various livelihoods activities. The implementation of the scheme is started with the joint efforts of Centre government and State Government under the department of Rural Development through Gujarat Livelihood Promotion Company Limited and District, Blocks and till village level.
What is Self Help Group?
Self Help Groups (SHGs) are small groups of poor people. 10 to 20 women from rural poor families, of similar socio-economic status, with overall similar difficulties, living in the same neighborhood and together for a common goal of coming out of poverty through unity, trust, understanding, resilience, self-help and shared effort. They help each other, to solve their problems. SHGs promote small savings among their members. The savings are kept with the bank. The SHG gives small loans to its members from the Revolving Fund.
Who can join a self-help group?
Those living in a rural area, having the same living conditions, having the same resource for livelihood, having same community those people can formed a group and join together as a members.
Structure and formation of the self-help group
1. In general 10-20 members will join the Self Help Group.
2. There are no need to do any legal process.
3. From one family only one member can join the Self Help Group.
4. The purpose of the formation of the SHGs is to empower the women.
5. Meeting of the SHGs are conducting on regular basis (for better understanding among the members meeting can be held on week basis).
6. Focus on regular attendance of all the members of SHG and the leadership role should be given on rolling basis.
7. Members should have trust, understanding, and faith for each other.
8. Priority should be given to the needy member of the group for Revolving Fund.
How a Self-Help Groups work?
Simple rules for working a Self-Help Groups are below:
1. Make rules for hold meeting with agreement of all the members of the group.
2. Make Rules for the time and place of meetings.
3. All group member will decide an amount of penalty for those member who not attend regular meetings.
4. Make rules for as saving amount by the group members.
5. Make rules for internal lending.
6. Make rules for bank loan and repayment etc.
Benefits and Assistance for SHGs
A) Start-up Fund:
- After the formation of SHG Rs. 2500 startup fund is provided as per the guidelines of National Rural Livelihood Mission (NRLM).
- After the formation of VO Rs. 75,000 startup fund is provided as per the guidelines of National Rural Livelihood Mission (NRLM).
- After the formation of CLFs Rs. 3,50,000 startup fund is provided as per the guidelines of National Rural Livelihood Mission (NRLM).
B) Revolving Fund:
- After a period of three months from the formation of the SHG, according to the grading, a revolving fund of Rs.20, 000 to Rs.30, 000 will give them.
C) Community Investment Fund
- Through Cluster Level Federation (CLF) / Village Organization (VO) as per guidelines of NRLM, each SHG will get an amount of Rs. 1,50,000 as micro credit on the basis of their planning under Community investment funds.
D) Adopting the following things in a group makes the group stronger.
1. Regular Meetings
2. Regular savings
3. Regular internal lending
4. Regular recovery
5. Regular maintaining the book records.
Village Organization (VO)
NRLM envisages that a primary level federation of SHGs, known as the Village Organization (VO), is formed in all villages /hamlets with a minimum number of 5 SHGs and maximum of 20 SHGs. The VO is intended to create greater space and voice for SHG members in the village and outside and nurture the SHGs as grassroots democratic institutions. The VOs are expected mobilize all poor and Poorest of the Poor (POP) households (including SECC automatically included and households with at least one deprivation) into SHGs, facilitate SHG-bank linkage etc.
Cluster Level Federation (CLF)
CLF is the second level federation of SHGs, covering a cluster of villages, generally about one-third of a block. A Cluster Level Federation (CLF) is formed with at least 5 to 30 Village Organization (VO). CLF is designed to serve as a platform for larger collective action required for the promotion of livelihoods and social development of the member households. It is expected to help the poor overcome deprivation and indebtedness as well as diseconomies to scale in individual livelihood activities. CLFs could also undertake financial intermediation by acting as micro finance institutions leveraging bank credit and on-lending VOs and SHGs.
Grant allocation and monitoring
The grant is allocated to the district by Single Nodal Aaccount (SNA) from the state level
- Self Help Groups (SHG): Village Organization (VO) and Cluster Level Federation (CLF) as well as other expenses are disbursed from the district level.
- Revolving Fund (RF): A self-help group on repayment CBO Fund Proposal is made in the Fund Disbursement Module by the Taluka Development Officer presented at the Taluka level by the (SHG) Grading Staff.
- Community Investment Fund (CIF): Micro Credit Plan (MCP) by Village Organization (VO) regarding payment CBO Fund Proposal is made in the Fund Disbursement Module by the Taluka Development Officer which is prepared and presented at the Taluka level.
Social Inclusion Social Development
Food, Nutrition, Health &Wash (FNHW)
With reference to the letter rendered by MoRD in 2018 regarding inclusion of FNHW activities under SRLM; Gujarat has been planning and executing FNHW intervention across the state since then. Gujarat has included FNHW activities into its action plan of 2020-2021 with 5 NRLM and 3 NRETP Districts-Amreli, Banaskantha, Chotta Udepur, Dahod, Narmada, Surendranagar, Panchmahal and Vadodara. There are total of 55 blocks under FNHW. These districts are being focus intensively, which means special attention is being provided to them. However, in order to furthering the agenda of DAY NRLM, Universalization of FNHW intervention has been started in all 33 districts and 248 blocks of Gujarat. Universalization is required for and improving the quality of life of the SHG members and their family members.
To improve health and nutritional status, access to entitlements and strengthening WASH status among women and children using women collectives to implement nutrition- specific and sensitive interventions resulting in holistic development.
1. To ensure Availability, Accessibility, Affordability of nutritional food, Health & sanitation by improving intra and inter-departmental convergence for improved targeted delivery system for the focus population.
2. To bring universal change in the lifestyle of our people/community by creating/ spreading awareness through FNHW sensitive discussions/ interventions and hence framing a potential capital in Poverty reduction ecosystem.
3. Encourage and support FNHW enterprises managed by our SHG Cadres
A Gender Policy was prepared in the year 2022-23 in collaboration with MoRD which has been approved by MoRD. Gujarat has included Gender Operational Strategy into its action plan of 2020-2021 with 6 NRLM Districts- Bharuch, Kutch, Morbi, Sabarkantha, Tapi, Vadodara and 47 blocks.
The implementation of gender integration in verticals of NRLM, intervention and action on gender issues which are state specific as prioritized by the state. The gender thematic would comprise the capacity building architecture, developing institutional mechanisms and intervention and action on gender issues. The strategy can be for a period of one year.
Socio-economic and political empowerment through enlarging the decision making, mobility, ownership of assets, curbing the domestic violence through strategized inclusion of marginalised women such as single, disable, destitute, landless, tribal in institutional structure.
- to create awareness, about different scheme, understanding of gender based discrimination and violence that impacts women’s life
- To create and strengthen institutional mechanisms- that can address the issue of violence and to create ecosystems.
Area of operations where Gender works intensively are:-
- Access of Entitlement and scheme
- More women participation in Gram Sabha
- Prevention of Early Marriage
- Prevention of Violence
- Inclusion of Marginalized groups and Community
PRI-CBO Convergence (VPRP)
Poor such as Community Based Organizations (CBOs) and Panchayati Raj Institutions (PRIs) collaborating with each other for village development can significantly enhance the livelihood and social security of the weak and poor. For the financial year 2022-23 under the Village Level Poverty Reduction Plan (VPRP) has been launched on August 2022. State / District / Taluka Nodal Person for VPRP has been selected and submitted to MoRD.
The Village Poverty Reduction Plan (VPRP) is a community demand plan prepared by the Self Help Group (SHG) network which can be further integrated in to the Gram Panchayat Development Plan (GPDP).
- Strengthen the community based organisations and their leadership for active participation in poverty reduction activities
- Prepare a comprehensive and an inclusive demand plan of the community for local development
- Facilitate an interface between the SHG federation and Panchayati Raj institutions for development of demand plan
Component of VPRP
Demands under VPRP are categorized into four major components:
- Social inclusion - plan for inclusion of vulnerable people/household into SHGs under NRLM
- Entitlement - demand for various schemes such as MGNREGS, SBM, NSAP, PMAY, Ujjwala, Ration card etc.
- Livelihoods - specific demand for enhancing livelihood through developing agriculture, animal husbandry, production and service enterprises and skilled training for placement etc.
- Public Goods & Services and Resource Development - demand for necessary basic infrastructure, for renovation of the existing infrastructure and for better service delivery. Demand for protection and development of natural resources like land, water, forest and other locally available resources
Social Development - plans prepared for addressing specific social development issues of a village under the low cost no cost component of GPDP
Social Inclusion (SI)
The Gujarat SRLM envisages to include the socially excluded sections of the society namely, Persons with Disabilities (PwDs), elderly, Women in Distress, Particularly Vulnerable Tribal Groups (PVTGs) and other vulnerable sections of the society. For comprehensive development of these sections there will be identification, mobilization, capacity building, financial inclusion, livelihoods accessibility and access to rights and entitlements. Resources will be pooled from within Gujarat SRLM and through convergence efforts. It is expected that vulnerable people holds significant proportion of leaderships position in various the community institution. Further, SRLM facilitates these institution in achieving their financial and economic/livelihoods inclusion and poverty reduction goals.
GOAL: To facilitate inclusion of the vulnerable communities in institutions and the federations thereby ensuring dignified lives as contributors to social development with gainful access to rights and entitlements
- To initiate work with the vulnerable community to ensure building of identity and self-esteem.
- To include vulnerable in the SHG and its federations to lead dignified lives.
- To capacitate across levels and to facilitate to ensure access to entitlements, rights and social security
- To design interventions and develop special livelihoods based on the local resources and skill set of the vulnerable communities to ensure social development leading to improvement in quality of life.
- Convergence with line departments, CBOs, NGOs and frontline workers to achieve a sustainable development.
- Incorporation of social development as an agenda in the SHG meetings and federation meetings
As part of the inclusion strategy the following are the target groups
- Elderly: Elderly includes both men and women above the age of 60 years.
- People with Disabilities (PwDs): PwDs include those persons who are listed in the 21 types of disabilities with single or multiple disabilities.
- Widows: Single women, female headed household and destitute women.
- Particularly Vulnerable Tribal Groups (PVTGs). The Government of India, Ministry of Home Affairs, recognized Kathodi and Kotwalia tribes of Gujarat as primitive tribes in the year 1976, while Padhars and Siddis were declared as Primitive Tribes in 1982 and Kolghas in the year 1983-84