#srlm NRLM

[kalgudi]

Sohrai Art Collage of Nature Elements on Canvas

https://nrlm.kalgudi.com/store/p/c/sohrai-art-collage-of-nature-elements-on-canvas/0qm1_0qm2

This beautiful Sohrai art work on canvas fabric from Jaya Dharma Saki Mandal is a collectable item. To welcome their winter harvest, to worship their cattle as the Goddess of wealth and to offer a thanksgiving to the forces of nature the tribal communities of Jharkand celebrate a festival called 'Sohrai' in the month of Oct-Nov. The tribal women decorate their mud houses with the layers of indigenous mud used in 5 different colours, repairing it after rains with the designs of flowers, fruits, peacocks, cows and other nature-inspired designs.

 ##Jharkhand              #DAYNULM  #NULM

[vaibhavmahajan]

Introduction: SHG

Self-Help Groups (SHGs) are informal associations of people that meet to discuss how to improve their living conditions.  They are self-organized groups of 5 to 20 people that come together to achieve a common purpose. Members of SHGs who are similar in terms of socio-economic background.

Villages are affected by poverty, illiteracy, a lack of skills, a lack of formal credit, and other concerns. Individual efforts will not suffice to overcome these problems, which will demand coordinated action. The beginnings of SHGs can be traced back to rural India's mutual aid and trust.

As a result, SHG has the potential to be a vehicle for change for the poor and marginalized. To foster self-employment and poverty alleviation, SHGs use the concept of "Self Help."

 Historical Background:

Bangladesh has a reputation for being a pioneer in the field of microfinance. Dr. Muhammud Yunus, an economist at Bangladesh's Chitgaon University, was one of the founders of the Grameen Bank action research project. The enterprise began in 1976 and was formally recognized as a bank in 1983 when the government passed an act.

Genesis of SHGs in India:

In India, SHG began with the foundation of the Self-Employed Women's Association (SEWA) in 1970.

NABARD's SHG Bank Linkage Project, which began in 1992, has grown to become the world's largest microfinance initiative.

Since 1993, SHGs have been able to open a savings account with NABARD and the RBI. This action gave the SHG movement a significant boost and opened the ground for the SHG-Bank linkage initiative.

Swarn Jayanti Gram Swarozgar Yojana (SGSY) was launched by the Indian government in 1999 to promote self-employment in rural regions by forming and skilling SHGs.

In 2011, the programme grew into a national movement known as the National Rural Livelihoods Mission (NRLM)

State Rural Livelihood Missions (SRLMs) are now active in 29 states and five territories (except Delhi and Chandigarh).

NRLM provided the poor with universal access to inexpensive, dependable financial services such as financial literacy, bank accounts, savings, credit, insurance, remittance, pensions, and financial services counselling.

But, interestingly SHG was not a new concept in Maharashtra. The women of Maharashtra's Amaravati District founded one SHG in 1947, starting with a little amount of only 25 paise.

In 1988, the ‘Chaitanya' Gramin Mahila Bal Yuvak Sanstha began promoting SHGs in the Pune District on an ad hoc basis.

SHGs were promoted in the southern portion of India by the ‘SADHAN', ‘DHAN' foundation, and ‘ASA'. However, their focus was solely on economic issues. NGOs in Maharashtra, on the other hand, have not only catered to the participants' economic needs, but have also been involved in the process of social development. The goal of ‘Chaitanya' is the same: to empower women in both economic and social ways.

Need of SHGs:

Low access to credit and financial services is one of the causes of rural poverty in our country. Financial empowerment refers to giving disadvantaged and low-income people access to or delivery of banking services at a reasonable cost. Despite supportive policies and a strong rural banking network in India, which executed particular poverty alleviation programmes through Bank loans, a huge percentage of the poorest of the poor remained outside the formal banking system. The goal of the self-help groups programme is to reach out to the poorest members of society who do not have access to financial services.

According to Fisher-Sriram (2002), the formal financial industry has failed to recognise the disparity between the hierarchies of credit requirements and creditworthiness.

Dr. C. Rangarajan chaired a committee to prepare a thorough study on "Financial Inclusion in the Country," which highlighted four primary factors for lack of financial inclusion: Weak community network, unable to offer collateral security, poor credit absorption capacity, insufficient reach of institutions.

The existence of strong community networks in villages is increasingly being recognized as one of the most significant aspects of rural credit linkage. They assist the impoverished in obtaining loans and hence play an important role in poverty alleviation.

They also aid in the development of social capital among the disadvantaged, particularly among women. Women are empowered and have a bigger voice in society because of this.

Financial independence gained through self-employment has numerous benefits, including increased literacy, greater health care, and even better family planning.

 SHG models in India:

In India, three main kinds of SHG-financial institution linkage have arisen. They are as follows:

·The SHGs are formed and financed by banks.

· SHGs are founded by NGOs and other organisations, but they are funded by banks.

· SHGs are financed by banks through NGOs and other financial intermediaries.

The most common model is the second. Almost three-quarters of all SHGs are women. This model applies to you. Only 20% of SHGs are covered by the first, and only 8% by the second, respectively, the third model.

 We will further discuss about SHG – bank linkage programs and current challenges in SHGs management.

[emahila-blog]

Kalgudi at SARAS Aajeevika Mela 2019

Visit: https://nrlm.kalgudi.com/

#SarasAajeevikaMela2019 #Aajeevika #Kalgudi #Saras #Nrlm #Srlm #Shg #rural #india

[khabarsamay]

Aajeevika Grameen Express Yojana (AGEY)

The Government of India has decided to launch a new sub-scheme named “Aajeevika Grameen Express Yojana (AGEY)” as part of the Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM). The Self Help Groups under DAY-NRLM will operate road transport service in backward areas. This will help to provide safe, affordable and community monitored rural transport services to connect remote villages with key services and amenities (such as access to markets, education and health) for the overall economic development of backward rural areas. This will also provide an additional avenue of livelihood for SHGs. The basic outline of AGEY was discussed in a meeting of State Transport Ministers of 13 States held in June 2016 at Dharamshala, Himachal Pradesh and all the Transport Ministers had expressed their appreciation of this initiative. The Community Investment Fund (CIF) provided to Community Based Organization (CBOs) under DAY-NRLM will be utilized to support the SHG members in this new livelihoods initiative. The beneficiary SHG member will be provided an interest free loan by the CBO from its Community Investment Fund upto Rs.6.50 lakh for purchase of the vehicle. Alternative, CBO will own the vehicle and lease it to an SHG member to operate the vehicle and pay lease rental to the CBO AGEY will be initially implemented in 250 Blocks in the country on pilot basis with each Block provided upto 6 vehicles to operate the transport services. During the current year implementation of the scheme has been so far approved for 52 Blocks in 8 States namely Andhra Pradesh, Jharkhand, Maharashtra, Tamil Nadu, Telangana, Uttarakhand and West Bengal with a total provision of Rs.16.06 Crore of which the Government of India share would be Rs.10.16 Crore. The balance funding would be provided by the respective States. The Blocks will be selected by States from among the Blocks where NRLM is being implemented intensively and where mature CBOs are already functioning. Backwardness, lack of transportation links and sustainability of service would be the guiding factors in the selection of Blocks and routes. The State Rural Livelihood Missions (SRLMs) will do a feasibility study and traffic survey in the selected blocks to identity the routes and the number and capacity of vehicles which can be operated on sustainable basis. The study will be conducted by technically sound organizations with expertise in transport network planning. The choice of vehicle could be either e-riksha, 3 wheeler or 4 wheeler within a cost ceiling of Rs.6.50 lakh. The SRLMs will be co-ordinating with State Transport Department for issue of permit for the vehicle. The SHG member operating the vehicle shall ensure that all necessary legal and statutory requirement such as valid permit, road tax permit, valid insurance policy etc. are met. The SHG member shall run the vehicle on approved routes at pre-determined frequency as jointly agreed between the CBO and the SHG operator based on financial viability and the need for transport link. All vehicles under the scheme shall have a defined colour code and carry AGEY branding to ensure their identity and avoid diversion to other routes. The State Rural Livelihood Mission will arrange capacity building for their staff at State, District and Block levels for operating the Scheme. The members of the CBO and the beneficiary SHG member shall also be provided adequate training in the Rural Self Employment Training Institutes (RSETIs) and other partner organizations. Click to Post

[kalgudi]

Madhubani painting of Peacock

https://nrlm.kalgudi.com/store/p/c/madhubani-painting-of-gopikas/0srl_0ss6

Madhubani Painting is one of the unique and rare collections from Jaya Jeevika Self Help Group. These paintings are drawn on handmade paper with natural colors. They improve the aesthetics of your home. These are natural colours which are extracted from vegetables. The paintings are purely hand-drawn with nib and should be framed for longer life. Madhubani art (or Mithila painting) is practiced in the Mithila region of the Indian subcontinent. This painting is done with a variety of tools, including, twigs, brushes, nib-pens, and matchsticks and using natural dyes and pigments.

[kalgudi]

Pack of 5 Tomato Papad

https://store.kalgudi.com/store/p/c/pack-of-5-tomato-papad/0rg2_0rg3

Tomato papad by Shree Laxmi Gruha Udyog is a flavored round-shaped flat dried crisp that is fried in oil to give a crunchy crisp that is eaten as a starter with a salsa-like dip. It is also eaten as a meal accompaniment both in the north and southern parts of India. Tomato Papad is a homemade natural sun-dried papad. There are no artificial colors and flavor added.

[kalgudi]

Madhubani Painting with Wooden Frame

https://store.kalgudi.com/store/p/c/madhubani-painting-with-wooden-frame/0rc5_0rjj

Madhubani Painting is one of the unique and rare collections from Vishnu Mahila Mandal. These paintings are drawn on canvas paper with natural colors. It is used as home decor and wall accents. These are eco-friendly paintings as they used natural colors which are extracted from vegetable dyes. The paintings are purely hand-drawn with nib and then framed for longer shelf life.

#Madhubanipainting #Madhubani #Madhubaniart #Art #Artist #Painting #Madhubanipaintings #LivelihoodsMission #NationalRuralLivelihoodsMission #NRLM #Aajeevika #RuralDevelopment #DeendayalAntyodayaYojana #WomensEmpowerment #Saras

[kalgudi]

T-shirt for Women

https://store.kalgudi.com/store/p/c/t-shirt-for-women/0si7_0sih

T-shirt is one of the rare and unique products from Naya Patmaya Samithi. It is made up of cotton and colored/designed with acrylic colors. It is available in different sizes with different colours and designs. It is made by Sushma Chitrakar who has more than 15 years of experience.

[kalgudi]

Dhokra Bell Metal Dancing Couple Figurine

https://store.kalgudi.com/store/p/c/dhokra-bell-metal-dancing-couple-figurine/0qkw_0qkx

Dhokra Dancing Bell Metal Figurine is one of the unique and rare products from Subhadra Mahila Swasahayata Samuh. This beautiful Dhokra artifact is a must-have in your home. Dhokra (also spelled Dokra) is an art form that uses brass, a non–ferrous metal using the lost-wax casting technique. The product of Dhokra artisans is in great demand in domestic and foreign markets because of primitive simplicity, enchanting folk motifs, and forceful form. Dhokra/Bell metal is an alloy of brass, nickel, and zinc that lends an antique appeal to the castings.

[kalgudi]

Madhubani painting of Peacock

https://store.kalgudi.com/store/p/c/madhubani-painting-of-gopikas/0srl_0ss6

Madhubani Painting is one of the unique and rare collections from Jaya Jeevika Self Help Group. These paintings are drawn on handmade paper with natural colors. They improve the aesthetics of your home. These are natural colours which are extracted from vegetables. The paintings are purely hand-drawn with nib and should be framed for longer life. Madhubani art (or Mithila painting) is practiced in the Mithila region of the Indian subcontinent.

z       #DAYNRLM #Mord  #DAYNULM  #NULM

[kalgudi]

Handmade Velvet Cushion

https://store.kalgudi.com/store/p/c/handmade-velvet-cushion/0rc3_0rcc

The Beautiful Handmade Velvet Cushion is made by Vikas Swayam Sahayata Samooh. This Royal Indian design cushion covers is part of a posh beautiful home furnishings. They make cushions with vibrant designs & shapes. The Velvet Cushion is a complete artistic piece for Home Decor. This beautiful home decor cushion can brighten any room.

[kalgudi]

Pack of 5 Homemade Garam masala

https://store.kalgudi.com/store/p/c/pack-of-5-homemade-garam-masala/0r1p_0r27

Garam Masala Powder by Sanskruti Swayam Sahayata Samooh is a popular spice blend used in curries, meat dishes, and soups. This Garam masala has a strong aroma and adds flavor to the food. The best spice mix with the right blend of whole spice to make a traditional Maharashtrian spice powder. The best part of the spice mix is the aroma that comes out when once grounded.

[kalgudi]

Mango Jam

https://store.kalgudi.com/store/p/c/mango-jam/0qtq_0qtr

Mango Jam By Bapuji Food Products. Mango Jam can be made with any variety of mangoes. Semi-ripe mangoes work best, but either raw or ripe mangoes used.

[kalgudi]

2 Strand Ruby Stone Necklace

https://store.kalgudi.com/store/p/c/2-strand-ruby-stone-necklace/0svb_0svf

This beautiful Ruby Necklace from Mangai Crafts is a great find for anyone who love and appreciate the elegance of Rubies. This 2 layers of elegant necklace can be worn with ethnic outfits like Sarees and Salwars as well as formal outfits like skirts and blouse. The design of this necklace makes you stand out in a crowd.

[kalgudi]

Pearl Necklace https://store.kalgudi.com/…/2-strand-pearl-neckla…/0sux_0suz

This beautiful Pearl necklace from Mangai Crafts is unique for its colour and quality of the pearl. This necklace can be worn along with ethnic outfits like Sarees and Salwar Kameez as well as formal outfits like skirts and blouse. The elegant 2 strand design makes you stand out in a crowd. The pearls are sourced from Jaipur and are custom designed by the craftsman to be sold all over the country.

[kalgudi]

Dhokra Lord Ganesha Idol

https://store.kalgudi.com/store/p/c/dhokra-lord-ganesha-idol/0sgl_0sh5

Dhokra Lord Ganesha Idol is one of the unique and rare products from Subhadra Mahila Swasahayata Samuh. This beautiful Dhokra artifact is a must-have in your home. Dhokra (also spelled Dokra) is an art form that uses brass, a non–ferrous metal using the lost-wax casting technique. The product of Dhokra artisans is in great demand in domestic and foreign markets because of primitive simplicity, enchanting folk motifs, and forceful form. Dhokra/Bell metal is an alloy of brass, nickel, and zinc that lends an antique appeal to the castings.