The objective of the Swarnjayanti Gram Swarozgar Yojana (SGSY) is to bring the assisted poor families (Swarozgaries) above the Poverty Line by ensuring appreciable sustained level of income over a period of time. This objective is to be achieved by inter alia organising the rural poor into Self Help Groups(SHGs) through the process of social mobilization, their training and capacity building and provision of income generating assets. The SHG approach helps the poor to build their self-confidence through community action. Interactions in group meetings and collective decision making enables them in identification and prioritization of their needs and resources. This process would ultimately lead to the strengthening and socio-economic empowerment of the rural poor as well as improve their collective bargaining power.
SGSY lays stress on the cluster approach. What this means is that instead of funding diverse activities, each block should concentrate on a few select activities (key activities) and attend to all aspects of these activities, so that the Swarozgaris can draw sustainable incomes from their investments. These key activities should preferably be taken up in clusters so that the backward and forward linkages can be effectively established. This would facilitate not only monitoring but more importantly provision of various services required by the Swarozgaris.
PROGRAM
Subsidy
SGSY envisages the role of subsidy as an incentive to the swarozgari to repay the loan regularly. Hence the subsidy is back ended. 60% of the total allocation for the scheme is earmarked for subsidy
Revolving
Allocation of upto 10 % is earmarked for the revolving fund for the Self help groups . The revolving fund is provided to the groups to augment the group corpus so as to enable more number of members to access loans and also to facilitate increase in the per capita loan available to the members
Training
It has been well recognized that for success of self-employment endeavours and also for their sustainability, the required skill to successfully run the enterprise is a pre-requisite. SGSY proposes a number of measures for upgrading the capacity of Swarozgaris both in individual as well as group oriented activities.A provision of 10 % of the total allocation is earmarked for basic orientation and skill development training
Infrastructure
Proper infrastructure is essential for the success of micro enterprises. The infrastructure may be either for production, processing, quality testing, storage or marketing. SGSY will seek to ensure that the infrastructure needs for the identified activities are met in full, so as to enable the Swarozgaris to derive the maximum advantage from their investments.An allocation of upto 20% is earmarked for providing infrastructure to the swarozgaris
PHYSICAL PROGRESS IN 2008-09
Sr. No. |
Name of the Bank |
TOTAL NO OF SELF HELP GROUP LOAN APPLIATION |
Target |
Received |
Santioned |
Disbursed |
SHG |
SHG |
Sub |
Cred |
SHG |
Sub |
Cred |
SHG |
Sub |
Cred |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
11 |
12 |
1 |
State Bank Of India |
46 |
87 |
77.85 |
173.07 |
65 |
58.65 |
80 |
65 |
58.65 |
80 |
2 |
Bank of India |
48 |
76 |
66.90 |
165.34 |
67 |
58.50 |
108.73 |
67 |
58.50 |
108.73 |
3 |
Central Bank of India |
17 |
22 |
20.30 |
50.75 |
18 |
16.50 |
19.98 |
18 |
16.50 |
19.98 |
4 |
Bank of Maharashtra |
24 |
24 |
23.20 |
51.92 |
23 |
21.10 |
33.95 |
23 |
21.10 |
33.95 |
5 |
Bank of Baroda |
9 |
7 |
6.70 |
14.12 |
7 |
6.70 |
8.68 |
7 |
6.70 |
8.68 |
6 |
Union Bank of India |
3 |
1 |
0.80 |
3.20 |
1 |
0.80 |
1.20 |
1 |
0.80 |
1.20 |
7 |
Canara Bank |
3 |
3 |
2.30 |
9.04 |
2 |
1.60 |
2.84 |
2 |
1.60 |
2.84 |
8 |
Syndicate Bank |
3 |
2 |
2.45 |
5.05 |
2 |
2.45 |
2.55 |
2 |
2.45 |
2.55 |
9 |
Punjab National Bank |
12 |
6 |
5.70 |
12.28 |
5 |
4.60 |
6.58 |
5 |
4.60 |
6.58 |
10 |
IDBI |
5 |
1 |
0.80 |
3.70 |
1 |
0.80 |
0.80 |
1 |
0.80 |
0.80 |
11 |
Allahabad Bank |
13 |
11 |
10.35 |
26.31 |
9 |
8.65 |
12.34 |
9 |
8.65 |
12.34 |
12 |
Andhra Bank |
2 |
1 |
1.10 |
1.40 |
1 |
1.10 |
1.10 |
1 |
1.10 |
1.10 |
13 |
DCC |
47 |
68 |
58.90 |
148.90 |
32 |
28.90 |
32.40 |
32 |
28.90 |
32.40 |
|
Total |
232 |
309 |
277.35 |
665.08 |
233 |
210.35 |
311.15 |
233 |
210.35 |
311.15 |
FINANCIAL PROGRESS IN 2008-09
Sr. No. |
Name of the Bank |
TOTAL NO. OF INDIVIDUAL LOAN APPLICATION |
Target |
Cases sponsored |
Cases sanctioned |
Cases disbursed |
IND |
IND |
Sub |
Cred |
IND |
Sub |
Cred |
IND |
Sub |
Cred |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
11 |
12 |
1 |
State Bank Of India |
139 |
360 |
35.01 |
106.22 |
247 |
21.355 |
47.55 |
247 |
21.355 |
47.55 |
2 |
Bank of India |
151 |
401 |
43.58 |
124.57 |
193 |
22.16 |
52.59 |
193 |
22.16 |
52.59 |
3 |
Central Bank of India |
49 |
132 |
11.48 |
30.12 |
39 |
4.25 |
9.21 |
39 |
4.25 |
9.21 |
4 |
Bank of Maharashtra |
90 |
131 |
10.29 |
32.51 |
57 |
5.30 |
11.77 |
57 |
5.30 |
11.77 |
5 |
Bank of Baroda |
14 |
53 |
4.23 |
14.87 |
26 |
2.36 |
6.40 |
26 |
2.36 |
6.40 |
6 |
Union Bank of India |
12 |
18 |
1.35 |
4.00 |
7 |
0.53 |
1.33 |
7 |
0.53 |
1.33 |
7 |
Canara Bank |
12 |
9 |
0.75 |
1.35 |
9 |
0.75 |
1.40 |
9 |
0.75 |
1.40 |
8 |
Syndicate Bank |
6 |
7 |
0.53 |
1.60 |
3 |
0.21 |
0.49 |
3 |
0.21 |
0.49 |
9 |
Punjab National Bank |
24 |
47 |
4.67 |
13.20 |
26 |
2.89 |
5.52 |
26 |
2.89 |
5.52 |
10 |
IDBI |
18 |
17 |
1.32 |
5.73 |
3 |
0.28 |
0.48 |
3 |
0.28 |
0.48 |
11 |
Allahabad Bank |
40 |
58 |
5.87 |
17.30 |
25 |
2.75 |
6.06 |
25 |
2.75 |
6.06 |
12 |
Andhra Bank |
12 |
9 |
0.67 |
2.00 |
4 |
0.24 |
0.56 |
4 |
0.24 |
0.56 |
13 |
DCC |
73 |
40 |
3.22 |
8.15 |
24 |
1.72 |
2.84 |
24 |
1.72 |
2.84 |
|
Total |
640 |
1282 |
122.97 |
361.62 |
663 |
64.78 |
146.17 |
663 |
64.78 |
146.17 |
Allocation |
OB as on 1st April 2008 |
Central funds received |
State share |
Total Funds |
Misc. Receipts |
Total Funds |
Total Expenditure |
% |
Ist Inst |
IInd |
Sub Total |
Ist |
Sub Total |
Interest |
Return of Subdisy |
|
|
|
|
|
|
|
|
|
|
|
|
|
447.99 |
0.94 |
168 |
121.79 |
289.79 |
95.27 |
95.27 |
385.06 |
4.65 |
23.32 |
413.97 |
413.83 |
99.97 |
|
Details of Expenditure incurred on |
(lakhs) |
|
Total Expenditure |
NGOs Facilitator |
Basic Orientation Program |
Skill Development |
Infrastructure Development |
Marketing |
Revolving Fund |
Subsidy |
18.45 |
25.20 |
10.73 |
51.71 |
5.00 |
27.61 |
275.13 |
413.83 |
MINORITIES PROGRESS
Sr No |
Minority |
Target |
Achievement |
Percentage |
Financial(lakh) |
Physical |
Financial(lakh) |
Physical |
Financial(lakh) |
Physical |
1 |
Muslim |
42.30 |
444 |
34.52 |
444 |
82% |
100% |
2 |
Christian |
0 |
0 |
0 |
0 |
|
|
3 |
Parsi |
0 |
0 |
0 |
0 |
|
|
4 |
Sikh |
0 |
0 |
0 |
0 |
|
|
5 |
Buddhist |
0 |
0 |
0 |
0 |
|
|
|
Total |
42.30 |
444 |
34.52 |
444 |
82% |
100% |
STATUS OF SHG FORMATION
Sr. No. |
Name of Block |
Number of SHGs Formed |
No. of SHGs passed Grade-I |
No. of SHGs passed Grade-II |
Number of SHGs Taken up Economic Activities |
Number of Women SHGs Formed |
After Grade I |
After Grade II |
Since 1.4.99 |
08-09 |
Since 1.4.99 |
08-09 |
Since 1.4.99 |
08-09 |
Since 1.4.99 |
08-09 |
Since 1.4.99 |
08-09 |
Since 1.4.99 |
08-09 |
1 |
Wardha |
710 |
100 |
385 |
75 |
277 |
59 |
35 |
20 |
231 |
46 |
593 |
95 |
2 |
Seloo |
580 |
77 |
303 |
70 |
182 |
36 |
82 |
19 |
163 |
30 |
525 |
67 |
3 |
Deoli |
653 |
116 |
396 |
78 |
204 |
45 |
115 |
58 |
151 |
33 |
425 |
92 |
4 |
Hinganghat |
610 |
110 |
404 |
42 |
213 |
38 |
15 |
5 |
139 |
30 |
478 |
90 |
5 |
Samudrapur |
387 |
54 |
235 |
20 |
150 |
24 |
27 |
15 |
124 |
24 |
347 |
54 |
6 |
Arvi |
563 |
75 |
419 |
50 |
179 |
37 |
38 |
10 |
148 |
32 |
506 |
74 |
7 |
Ashti |
457 |
104 |
296 |
86 |
140 |
27 |
25 |
20 |
108 |
16 |
374 |
79 |
8 |
Karanja |
433 |
97 |
258 |
50 |
146 |
35 |
52 |
28 |
123 |
22 |
323 |
92 |
|
Total |
4393 |
733 |
2696 |
471 |
1491 |
301 |
389 |
175 |
1187 |
233 |
3571 |
643 |
|