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CBO Coordinated Livelihood Development in Sagar Block under ICZMP. Sagar: Block Profile. Total Area : 66,399 Acres Number of Gram Panchayats : 9 Total Population (As per Census 2011) : 2,12,037 Household (As per SECC 2011) : 48,112
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CBO Coordinated Livelihood Development in Sagar Block under ICZMP ICZMP- WEST BENGAL
Sagar: Block Profile • Total Area : 66,399 Acres • Number of Gram Panchayats : 9 • Total Population (As per Census 2011) : 2,12,037 • Household (As per SECC 2011) : 48,112 • HH with at least one deprivation + auto inclusion : 33,513 • No. of SHG under Sangha : 2134 • No. of HHs in SHGs : 25,608 (76.41%) • Literacy Rate : 85.23% • (78.06% F) • Main Livelihood Activities: Agriculture, allied sectors, betel vine, fisheries, businesses and service
Background • MOU signed between WBSRLM and SPMU on 30th January, 2015 • Implementation process started during July/August after several round of discussions for clarity • Annual Action Plan submitted - 3rd Sept 2015 • World Bank Mission Visit to Sagar during Feb 2016 • Annual Action Plan for 2016-17 submitted and approved (10.15 crores)
Major Decisions • SPMU to continue to fund and monitor 128 Entry Point Activities (EPAs) and the fund already given on IGAs (i.e. 6 contracts). • WBSRLM releases fund for Income Generation Activities to Sanghas based on Micro Investment Plan prepared by SHGs. • Community Investment Fund as grant to Sanghas for on-lending to SHGs and Revolving Fund as grant to SHG for on-lending to its members following existing WBSRLM guidelines. • The usual implementation procedures of WBSRLM programme delivery structure will be followed i.e. SMMU at the state level, DRDC / DMMU at the district level, and then BMMU at the block level with BDO as Block Mission Director with its support officials. • Execution of activities through community institutions after appropriate and adequate capacity building.
Guiding Principles/Modalities • No livelihood activities which are detrimental to the environmental will be undertaken/supported. • IGA fund will be utilised for productive purpose • Financial transactions between Sangha and SHGs on account of CIF will be transferred through Bank / Cheque • A purchase committee of 3 members will be formed for purchases of more than Rs.5000. At least 3 quotations will be required
Livelihood Services Financial & Capital Services Market Linkages Production & Productivity Institutional Platforms of Poor under NRLM (Aggregating and Federating Poor, Women, Small & Marginal Farmers, Destitutes) 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
Overall Programme Strategy PACKAGE OF INTERVENTIONS • Universal Coverage • Institution Building • Capitalization of Sanghas (Co-op) and SHGs • Credit Linkage of SHGs • Livelihood Interventions • Convergence • LEADING TO COMMUNITY OWNED INSTITUTIONAL ARCHITECTURE FOR SOCIAL AND ECONOMIC EMPOWERMENT OF THE POOR
Operations SHG: • Women from all eligible HHs must be mobilised to form SHGs • Panchasutra must be followed- capacity building • SHGs prepare Micro Investment Plan for its members • Bank/Credit Linkage Sangha • Registration of Sanghas under Cooperative Act • Capacity building of Sangha Samabay leaders • Sangha /Cooperative (Samabay) ParichalanSamity /Board of Directors must be strengthened • Sangha Samabay grades the SHGs • Sangha Samabay will help SHGs to prepare MIPs • Present HR strength of 3 CSPs per Sangha may be increased • Convergence with Panchayats
Sources of Capital for SHG members Bank Linkage during 2015-16: Rs.337 lakhs covering 410 SHGs (Average: Rs 82K) CIF disbursed during 2015-16:Rs.111 lakhs covering 228 SHGs (Average: Rs.48K)
Human Resource in Place • Sangha Level: • Community Service Providers: 25/27 • Sangha Coordinator (after elections) • Block Level: • Supervisor, SHG & SE • DLT (4) from District Level • SMMU Level: • RD Specialist • Project Assistant (Accounts) • YP to be placed in Block (in pipeline) Support through thematic experts in SM&IB, FI and Livelihoods from SMMU and DMMU
Important Achievements • Sanghas Operational and their registration under West Bengal Cooperatives Act completed • Rs.1.11 crorereleased to 9 Sanghas for on-lending to eligible SHGs under Sanghas • Lending to 228 SHGs covering 953 SHG members • Refinancing to other SHGs from recovery of CIF loan • Books of Accounts & other Registers have been printed and supplied to all SanghaSamabay • All SanghaSamabayhave initiated Book-Keeping process as per CIF guideline • Social Capital developed for continuous support by Community Professionals • Convergence linkages with other Government departments
Livelihood Activities with CIF Smt. TusiMaity of MaaSarada SHG Dal has invested Rs.10000/- for revamping of her existing betel vine cultivation
Livelihood Activities with CIF Smt. Sova Das of MaaSarada SHG invested Rs.5000/- for paddy cultivation
Livelihood Activities with CIF Smt. Sabita Das of Bharat Mata SGSY Dal invested Rs.25000/- in fishery activities
Livelihood Activities with CIF Smt. UmaKandar of RudranagarManisha SHG Dal invested Rs.20000/- for food item preparation activities
Budget & Fund Utilization in 2015-16 Progress of work hampered to some extent by the declaration of Elections
Focus Areas in 2016-17 • Financial Inclusion • Creating more demand for CIF and ensuring coverage of the poorest • Effective monitoring mechanism for CIF, Bank Linkage, business implementation • Building awareness on social issues through Sangha Cooperative Society including reduction of vulnerablities. • Livelihood Collectives / Farmers’ Cooperatives
Challenges • Formation of new Board of Directors for newly formed Sangha Cooperative Society through AGM • Repayment of loans • Bank Linkage for larger sized loan • Engagement of quality professionals at block level • Systems and HR for Sustainable Sanghas • Development of Livelihood Collectives / Producers’ Organizations