Question: Can you explain the Deendayal Antyodaya Yojana - National Rural Livelihoods Mission program?

Answer: **Benefits:** Under NRLM?The NRLM Target Households (NTH) are identified through the Participatory Identification of Poor (PIP)
instead of the BPL. The PIP is a community-driven process where the CBOs themselves dentify the poor in the village using
participatory tools. The list of poor identified by the CBO is vetted by the Gram Sabha.What Are Institutions Of The Poor (IOPs)?SHGs,
their federations at the village, cluster levels and beyond, and other collectives of the poor constitute Institutions of Poor (IoP). SHGs are
affinity-based homogenous groups of 10-20 members (usually women). They follow five cardinal principles or Panchsutra (regular
meetings, regular savings, internal lending, regular repayment and bookkeeping). The SHGs are federated at the village (Village
Organisation), sub-block and higher levels. They are supported to become self-sufficient and community-managed institutions over time.
Institutions of the poor such as SHGs and their village level and higher level federations are necessary to provide space, voice and
resources for the poor, and for reducing their dependence on external agencies. They empower them. They also act as instruments of
knowledge and technology dissemination, and hubs of production, collectivization and commerce. NRLM, therefore, would focus on
setting up these institutions at various levels. In case of special SHGs i.e. groups in remote tribal areas and in difficult areas, groups with
vulnerable persons like disabled persons, the group may be as small as 5 members. Only for groups to be formed with Persons with
disabilities, and other special categories like elders, transgender, NRLM will have both men and women in the SHGs.What Are The
Functions Of The Group?SHGs are affinity-based savings and credit groups to begin with. They offer solidarity. They provide
microfinance services â€“ savings, credit, bank linkages, insurance, remittances, equity etc. They also offer collectivization and group
activities. The SHGs offer social security and social action in various fronts including health, nutrition, food, gender, convergence etc.,
directly or through their federations.What Is The Role Of The Bookkeeper?The bookkeeper of the SHG is a literate member of the group
or any literate person known to the group members. The bookkeeper is selected by the SHG members and is trained in SHG
bookkeeping. A SHG has 4-7 books â€“ member passbook, minutes book, attendance and savings book, cash book, loan ledger,
activity/enterprise book(s) etc.What is the role of the SHG leader?The SHG leaders motivate the SHG to follow the Panchasutra. They
serve as the link between the SHG and other institutions such as banks. Is NRLM Only For Women?NRLMâ€™s priority is to reach out
to the poorest, most vulnerable and marginalized. It begins with targeting women and they are considered as representatives of their
households. In case of extremely vulnerable persons like Persons with Disabilities (PwDs), elders etc., NRLM mobilizes both men and
women. Further, other interventions of NRLM like Rural Self Employment Training Institutes (RSETIs), Aajeevika Skills would reach
out to poor in general.Will Aajeevika Strengthen All Existing SHGs And Federations Of The Poor?There are existing institutions of the
poor women formed by Government efforts and efforts of NGOs. NRLM would strengthen all existing institutions of the poor in a
partnership mode. NRLM strives to build on what exists on ground in terms of SHGs of poor and their federations. After assessing the
existing mobilization, NRLM mobilizes the remaining poor in a saturation basis. The new and existing institutions would be
strengthened to become selfsustaining accountable and transparent institutions serving the needs of their members. All NRLM compliant
institutions would be eligible institutions would receive funds like revolving fund, community investment fund and interest
subvention.How Many Blocks Is NRLM Being Implemented In?NRLM is presently working in 1009 blocks in an â€˜intensiveâ€™
mode. Of these, 50 blocks are being developed as resource blocks to create local human and social capital (IoPs, internal Community
Resource Persons (CRPs) etc.) that would support in implementing NRLM in other blocks. The implementation in resource blocks is
supported by National Resource Organisations (NROs) such as SERP (AP), Jeevika (Bihar), Kudumbashree (Kerala) etc. In about 50
blocks, NRLM is partnering with existing Federations and NGOs to saturate the block. In the remaining intensive blocks, the NRLM is
fielding its field implementation teams. NRLMâ€™s presence in the remaining blocks in the country, referred as non-intensive blocks, is
limited to the extent of supporting the existing mobilization, strengthening the existing institutions, providing revolving fund and bank
linkages, and taking up other activities in a limited way.How Are Partners Taken Aboard In NRLM?NRLM works with a variety of
organizations for various purposes. It has identified the SRLMs of certain states (AP, Kerala and Bihar) and NROs for implementation
support. It has identified National Support Organisations (NSOs) such as PRADAN to provide thematic support. NRLM has also forged
partnerships with Capacity Building Agencies (CBAs) and Academic and Management Institutes to meet its capacity building and
technical assistance needs. It has also entered into partnerships with CBOs and NGOs to implement the programme in certain blocks of
the country. The NRLPS identifies and empanels these organizations while the SRLMs take their services directly. SRLMs also identify
and partner with various partner organizations on their own.How Are The SHGs Supported Under NRLM?Support to the SHGs of poor
is in terms of knowledge, skills, funds, bank linkages and interest subvention. NRLM ensures that the poor are provided with the
requisite knowledge and skills to the members, the leaders and the bookkeepers of the SHGs for: managing their institutions, enhancing
their credit absorption capacity and credit worthiness, linking up with markets, managing their existing livelihoods, etc. A multi-pronged
approach is envisaged for continuous capacity building of the targeted families, SHGs, their federations, government functionaries,
bankers, NGOs and other key stakeholders.What Other Measures Has NRLM Taken Towards Financial Inclusion?NRLM facilitates the
SHGs to open and operate bank accounts and bank linkages. It also facilitates access to insurance to members. It is encouraging
individual members too to open bank accounts.What Is A Micro Plan Of An SHG?Micro planning is a process where members are
encouraged to recognize, understand and evaluate their resources; analyze challenges they face; identify needs and make future plans to
overcome vulnerabilities by making optimum utilization of resources and fostering convergences. The SHGs receive their CIF only on
developing their micro plans or microcredit plans.What Is Aajeevika Skills Development Programme (ASDP)?ASDP, Aajeevika Skills,
gives young people from poor communities an opportunity to upgrade their skills and enter the skilled work force in growing sectors of
the economy. Skill Training and Placement projects are run in partnership with public, private, non-government and/or community
organizations.Who Will Be Eligible To Be Selected For Skills And Placement Under ASDP?Trainees between the age of 18-35 yrs and
who belong to a rural poor household [that has been identified as being poor following the participatory identification of the poor (PIP)
process undertaken as part of Aaajevika are eligible under ASDP. Till such time PIP is completed, BPL status or vetting by Gram
Panchayat saying the candidate is from poor background, would suffice for being eligible for this selection under Skills and Placement
under ASDP.What Are PIAs?PIAs (Project Implementing Agencies) are for profit or not-for-profit registered entities identified by
ASDP for skilling and placing the identified youth in various sectors as per their interest.What Kind Of Training And Support Is
Available Under The Aajeevika Skills?Youth identified under the programme get skilled in wide range of trades, including IT and soft
skills. After training and placement, support is provided in terms of finding accommodation, opening a bank account when placed
outside the home district and counseling at workplace.Is There Any Self-Employment Generation Component In Aajeevika?Aajeevika is
encouraging public sector banks to set up Rural Self Employment Training Institutes (RSETIs) in all districts of the country on line lines
of Rural Development Self-Employment Institute (RUDSETI) model for promoting self-employment. National Academy of RUDSETIs
is supporting RSETIs in this effort. RSETIs provide self-employment training and link the candidates with bank loans for taking up self-
employment. NRLM provides the costs of the training to RSETIs.How Does NRLM Support Farm-Based Livelihoods?Mahila Kisan
Sashaktikaran Pariyojana (MKSP), launched in 2010-11, is a special programme for livelihood enhancement under NRLM. It is a
concerted effort to recognize the role of women in agriculture and an investment is being made to enhance their capacities and increase
their income. The MKSP has two streams â€“ Agriculture (and Livestock) and NTFP (Non-timber Forest Produce).Sources And
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NowMinistry Of Rural DevelopmentDeendayal Antyodaya Yojana - National Rural Livelihoods
MissionEmploymentLoanSHGSkillDetailsBenefitsEligibilityApplication ProcessDocuments RequiredFrequently Asked
QuestionsDeendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) is the flagship program of the Ministry of
Rural Development (MoRD) for promoting poverty reduction through building strong institutions for the poor, particularly women, and
enabling these institutions to access a range of financial services and livelihoods. DAY-NRLM adopts a demand-driven approach,
enabling the States to formulate their own State-specific poverty reduction action plans. The blocks and districts in which all the
components of DAY-NRLM would be implemented, either through the SRLMs or partner institutions or NGOs, would be the intensive
blocks and districts, whereas the remaining would be non-intensive blocks and districts. National Rural Livelihood Mission (NRLM) is a
restructured version of restructuring Swarnajayanti Gram Swarojgar Yojana (SGSY). NRLM was renamed as DAY-NRLM (Deendayal
Antyodaya Yojana - National Rural Livelihoods Mission) w.e.f. March 29, 2016. ï»¿NRLM has set out with an agenda to cover 7 Crore
rural poor households, across 600 districts, 6000 blocks, 2.5 lakh Gram Panchayats and 6 lakh villages in the country through self-
managed Self Help Groups (SHGs) and federated institutions and support them for livelihoods collectives in a period of 8-10 years. In
addition, the poor would be facilitated to achieve increased access to their rights, entitlements, and public services, diversified risk, and
better social indicators of empowerment. NRLM believes in harnessing the innate capabilities of the poor and complements them with
capacities (information, knowledge, skills, tools, finance, and collectivization) to participate in the growing economy of the
country.ï»¿The Mission"To reduce poverty by enabling the poor households to access gainful self-employment and skilled wage
employment opportunities, resulting in appreciable improvement in their livelihoods on a sustainable basis, through building strong
grassroots institutions of the poor."ï»¿The Core ValuesInclusion of the poorest, and meaningful role to the poorest in all the
processesTransparency and accountability of all processes and institutionsOwnership and the key role of the poor and their institutions in
all stages â€“ planning, implementation, and, monitoringCommunity self-reliance and self-dependenceï»¿NRLM implementation is in a
Mission Mode. This enables - (a) the shift from the present allocation-based strategy to a demand-driven strategy enabling the states to
formulate their own livelihoods-based poverty reduction action plans, (b) focus on targets, outcomes, and time-bound delivery, (c)
continuous capacity building, imparting requisite skills and creating linkages with livelihoods opportunities for the poor, including those
emerging in the organized sector, and (d) monitoring against targets of poverty outcomes. ï»¿As NRLM follows a demand-driven
strategy, the States have the flexibility to develop their livelihoods-based perspective plans and annual action plans for poverty reduction.
The overall plans would be within the allocation for the state based on inter-se poverty ratios.OkWas this helpful?ShareNews and
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