Support for training and capacity building of clients for SHG-BL PROGRAMME
Giving due recognition to training and capacity building of various stakeholders such as bankers, NGOs, Government officials, SHG members and trainers, NABARD has trained around 37.69 lakh participants as on 31 March 2017, in the process giving shape to a strong back up team for implementation of the programme. Further it revised existing training modules and the ‘Revised Handbook on Training Programmes under SHG-BLP in association with GIZ.
Micro Enterprise Development Programme (MEDPs)
NABARD since 2006 has been supporting need-based skill development programmes (MEDPs) for matured SHGs which already have access to finance from Banks. MEDPs are on-location skill development training programmes which attempt to bridge the skill deficits or facilitates optimization of production activities already pursued by the SHG members. Grant is provided to eligible training institutions and SHPIs to provide skill development training in farm/off-farm/service sector activities leading to establishment of micro enterprises either on individual basis or on group basis. Over the years around 3.47 Lakh SHG members have been covered through 12,531 MEDPs.
Livelihood and Enterprise Development Programmes (LEDPs)
As skill upgradation trainings alone have limited impact on livelihood creation among the SHG members, it was thought prudent to create sustainable livelihoods among SHG members and to attain optimum benefit out of skill upgradation and a new scheme titled Livelihood and Enterprise Development Programme (LEDP) was launched in December 2015. It envisages conduct of livelihood promotion programmes in clusters. There is provision for intensive training for skill building, refresher training, backward-forward linkages and handholding & escort supports. It also encompasses the complete value chain and offers end-to-end solution to the SHG members. It is to be implemented on a project basis covering 15 to 30 SHGs in a cluster of contiguous villages where from SHG members may be selected.
The skill upgradation training is provided in batches of 25-30 members and covers agri & allied activities as well as rural off-farm sector activities. LEDP will not only facilitate promotion of sustainable livelihoods but also derive full advantage from promotional assistance. NABARD will provide grant support for skill upgradation programmes, establishment of demonstration unit and need based critical infrastructure. LEDP has been mainstreamed in May 2017.
Scheme for promotion of Women SHGs (WSHGs) in backward & LWE districts of India
Subsequent to announcement made by Hon. Finance Minister in the Union Budget 2011-12, a scheme for promotion and financing of Women Self Help Groups (WSHGs) in association with Govt. of India is being implemented across 150 backward and Left Wing Extremism (LWE) affected districts of the country since March-April 2012. The scheme aims at saturating the districts with viable and self-sustainable WSHGs by involving anchor agencies who shall promote & facilitate credit linkage of these groups with Banks, provide continuous handholding support, enable their journey to livelihoods and also take the responsibility for loan repayments. Under the Scheme, in addition to working as an SHPI, the anchor agencies are also expected to serve as a banking / business facilitator for the nodal implementing banks.
To facilitate implementation of the Scheme, an exclusive fund viz. ‘Women SHG Development Fund’ was set up by Dept. of Financial Services, Ministry of Finance, Govt. of India in NABARD with a stated corpus of Rs. 500 Crore Grant support @ ₹10,000/- per SHG to the Anchor agencies and also the cost of publicity, training & other capacity building initiatives is met out of this fund.
Collaboration with NRLM
NABARD continues close coordination with all stakeholders in SHG BLP sector. Collaboration with NRLM is being regularly maintained and enhanced for the support of SHG BLP. Coordinated efforts like conduct of National level seminars and workshops, mutual dialogues and capacity building of stakeholders on SHG BLP have now become very regular. Coordinated efforts in following areas have particularly proved immensely fruitful.
Training of Trainers (TOT) programme
NABARD and NRLM are collaborating on capacity building needs of bankers and grass root level functionaries to strengthen the Self Help Group bank Linkage Programme through a number of initiatives. With the goal of training all rural bank managers, a series of Training of Trainers (TOT) programmes for Bankers, SRLM staff, DDMs & Officers drawn from 17 states have been held at BIRD, Lucknow. These trainers have further conducted training programmes of bankers in their respective states during the year.
Moreover, as a part of the collaboration, state specific trainings of trainers of SHGs on financial inclusion were conducted by BIRD for 9 priority states. These trainers are providing financial literacy training to SHG members and leaders in these states. The financial literacy material developed under NABARD RFIP were used for these trainings. BIRD also conducted two training programmes on Bank Sakhi model for NRLM and SRLM participants during the year.
Conduct of Village Level Programmes (VLPs)
With a view to foster better understanding of mutual requirements between banks, SHGs & SHPIs and to sort out issues like credit linkage & repayment etc. at ground level, Village Level Programmes (VLPs) are being conducted with the support of banks and NRLM in 13 priority States. These VLPs sponsored by NABARD are also helping in opening of SHG accounts, their credit linkage and regular loan repayments.
Smooth transition of WSHGs promoted in NRLM intensive blocks to SRLMs
In order to ensure that all Women SHGs promoted in the NRLM intensive blocks, irrespective of promoting agencies receive eligible benefits like subvention, RFA, CIF etc. under NRLM, meetings have been organized between Anchor NGOs, SRLMs and nodal Banks and a list of SHGs formed in the intensive blocks under WSHG programme have been handed over to SRLMs for ensuring handholding over a long period.