NRLM will ensure that states adopts saturation approach, where at least one member from each identified rural poor household, preferably a woman, is brought under the Self Help Group (SHG) network in a time bound manner. The Mission will adopt differential strategies for social inclusion and mobilization of all identified BPL households into functionally effective and self-managed institutions, with particular focus on inclusion of vulnerable sections like scheduled castes, scheduled tribes, disabled, landless, migrant labor, isolated communities and communities living in disturbed areas. Using participatory vulnerability assessment and ranking methodology it would identify the poorest and the most vulnerable among the BPL households. Both men and women from identified households would be organised into institutions of the poor (including farmers’ organisations, producers’ cooperatives etc.) for addressing livelihood issues. These aggregates would graduate into higher level institutions supported by community resource persons (CRP), which will ensure the processes of inclusion and mobilization.
Experience from large scale projects shows access to repeat finance, at affordable price, for desired amount and customised repayment terms is crucial for poor and vulnerable group of the society, to meet their consumption, exit debt trap and investment in livelihood assets.
Based on the eligibility criteria, the mission would provide financial support to the institutions of poor with intent to inject financial resources into the institutions of poor for meeting their credit needs for both for consumption purposes and also for investment in livelihoods promotion. This fund would be eventually a corpus /capital resource for institutions of the poor. The poorest and the most vulnerable groups would be given priority for capital subsidy. Largely this fund is expected to be used for on-lending to the SHGs for providing financial assistance to meet their livelihoods other essential needs. Each state will strategies the routing of the financial assistance to the institutions of the poor both in the intensive and non-intensive blocks within the overall guidelines provided in the NRLM ‘Framework for Implementation’.
NRLM will provide sub vision to the rural poor in order to access credit at 7% rate of interest to make their investment more viable. Sub vision would be performance linked on a long term engagement with banks over the entire credit cycle.
Banks have a critical role in providing services including opening savings accounts for community groups, SHGs and their federations; deposit savings; provide credit and remittances. NRLM would develop strategic partnerships with major banks and insurance companies at various levels, to create enabling conditions for banks/insurance companies and the poor for a mutual rewarding relationship (both supply and demand side of rural finance value chain). On the demand side NRLM will ensure that financial literacy, counseling services on savings, credit and insurance and trainings on micro-investment Planning are embedded in capacity building of all SHGs. ‘Bank Mitras’ (customer relationship managers selected from among the community) will be positioned in banks for improving quality of banking and insurance services to poor clients. On the supply side, NRLM will forge partnerships with banks for reaching out to all poor, leveraging IT mobile technologies and institutions of poor and youth as business facilitators and business correspondents.
NRLM will ensure universal coverage of micro-insurance services, particularly to cover life, health and asset risks of the poor and vulnerable households, by seeking convergence with the insurance schemes of Government of India.
NRLM envisages that the poor move gradually on the continuum from consumption → debt swapping → enhancement of existing livelihoods → diversification. Major focus of NRLM is to stabilize and promote existing livelihoods portfolio of the poor, in farm and in non-farm sectors. NRLM would look at the entire portfolio of livelihoods of each household and facilitate support for the activities at the individual/household level, or in a collective, or at both levels. As agriculture is the mainstay livelihoods activity for a large proportion of the rural poor, NRLM will lay special focus on sustainable agriculture and allied activities like animal husbandry, non-timber forest produce and fisheries.
The NRLM Livelihoods Promotion are:
‘Vulnerability reduction’ and ‘livelihoods enhancement’ through deepening/enhancing and expanding existing livelihoods options and tapping new opportunities within the key livelihoods that are virtually universally practiced like agriculture, livestock, fisheries, forest produce collection;
- Mahila Kisan Sashaktikaran Pariyojana
- Infrastructure and Marketing Support Fund for Livelihoods
- ‘Skilled wage employment‘ – building skills for the job market outside;
- Skill Development and Placements
- ‘Enterprises‘ – nurturing self-employed and entrepreneurs (for micro-enterprises).
- Self Employment
Aajeevika Skills : Making Rural Poor Youth Employable
The ASDP is being positioned as a sub-mission of the NRLM, which will be delivered by JSLPS through submission of an Annual Action Plan (AAP) to MoRD. Post sanction of AAP JSLPS will come up with relevant skilling projects that make the most of the industrial & commercial environment of the state and optimally develop local resources for skilling. Aajeevika- National Rural Livelihood Mission (NRLM) is an initiative launched by Ministry of Rural Development (MoRD), Government of India in June 2011. The Aajeevika Skill Development Programme (ASDP) is a sub-mission under NRLM.
It has evolved out of the need to:
- cater to the occupational aspirations of the rural youth who are poor and
- to diversify incomes of the rural poor.
ASDP gives young people from poor communities an opportunity to upgrade their skills and enter the skilled work force in growing sectors of the economy. Training and placement schemes are run in partnership with public, private, nongovernment and community organizations. Strong relationships are being built with industry associations and employers’. The target is to skill and place 50 lakhs youth in the formal sector by 2017.
- Provides customized residential and non residential training
- Minimum 624 hours of training with modules on trade specific skills, IT and soft skills.
- Special programs for Jammu and Kashmir, Minorities and Most critical Left wing Extremist Districts
- Implemented under the supervision of the central and state governments
- 75% assured placement above minimum wages
- Post placement support
- Food and transport support during training