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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
• Absence of demand driven training by SIRD.
• Absence of well conceived project reports regarding key activities adopted under SGSY.
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.
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.
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
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
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.
DRDA Administration
Issues
1. Inadequate Staff at district level. 2. Lack of Staff at block & village level.3. Lack of Professionalism in the existing staff. 4. Capacity Building of DRDA staff .5. Line departments are reluctant to send
officials on deputation to DRDA, For Eg: APO industry, agriculture & animal husbandry etc.
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.
NRLM roll out
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.