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SGSY/NRLM

SGSY/NRLM . SGSY. Issues . Frequent transfers of bank officials and rural development officials. Insufficient number of bank branches and understaffing Selection and allotment of activity by block officials/ banks/ DRDA Ignorance and lack of training of PRIs with respect to RD schemes

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SGSY/NRLM

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  1. SGSY/NRLM

  2. SGSY

  3. Issues • Frequent transfers of bank officials and rural development officials. • Insufficient number of bank branches and understaffing • Selection and allotment of activity by block officials/ banks/ DRDA • Ignorance and lack of training of PRIs with respect to RD schemes • Absence of demand driven training by SIRD. • Absence of well conceived project reports regarding key activities adopted under SGSY.

  4. Issues • Lack of professional expertise at DRDA/ block level • High attrition rate of SHGs and absence of follow up mechanism. • Absence of committed NGOs and pool of trainers to sensitise RD officials and beneficiaries about outcome of SGSY. • Absence of repeated doses of loans to SHGs • (In some places) bankers charge extra documentation and service charges.

  5. Issues • Lack of interest on the part of SHGs to use marketing infrastructure meant for selling of finished products. • No proper linkages with stakeholders to provide platform for marketing of finished goods. • Lack of uniformity in interest rate across banks. • Lack of constant monitoring and evaluation mechanism. • Lack of training and behavioural reorientation exercise before selection of SHGs and disbursement of subsidy.

  6. Issues • Lack of involvement of bankers in grading exercise. • Problem of duplication of SHGs due to ineffective monitoring. • SGSY presently restricts only to women groups • Leakage of subsidy amount • Absence of social audit mechanism for SGSY

  7. Way forward • SHGs be promoted to select own economic activity and be insisted for self monitoring • Banks should open more branches in difficult areas and may go for business correspondent model to address the issue of untimely release of subsidy and loan amount. • Government (Central and State) should press for stability of tenure of RD officials and take up issue with banks for stability of tenure of bankers as well. • Best practices should be documented well and must be reflected across the country. • Reform champions should be identified and promoted as resource persons for other areas

  8. Way forward • Banks should be made equal partners in the noble objective of rural development • Professionals should be inducted at state/district/block level • People’s representatives must be trained about the mechanism of rural development • Social audit needs to be conducted to assess outcome • Peoples with Disabilities (PWDs) should be given priority as per guidelines of SGSY.

  9. DRDA Administration

  10. Issues • Inadequate Staff at district level. • Lack of Staff at block & village level. • Lack of Professionalism in the existing staff. • Capacity Building of DRDA staff . • Line departments are reluctant to send officials on deputation to DRDA, For Eg: APO industry, agriculture & animal husbandry etc.

  11. Issues Cont.. 6. Need to increase financial power of PD DRDA. 7. Need to give some kind of funds for construction & maintenance of DRDA building. 8. DRDA needs to support some IT professionals. 9. Adm funds required to be increased to the requirement of DRDA’s. 10. Recruitment rule & service conditions to DRDA staff.

  12. NRLM roll out

  13. Issues in NRLM Roll-out… • Targetting—restricted to BPL? • Identification of target areas if multiple funding sources • Intensive and Non-Intensive Districts—More IEC required • Using alternate financial intermediaries like village councils in Nagaland where credit/ bank linkage is an issue.

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