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PRC Meeting Group -II Date : 18 th September 2014

PRC Meeting Group -II Date : 18 th September 2014. Structure of Presentation. Social Mobilization and Institution building Resource Block Strategy HR Positions in States F.I - SHG Bank Linkage Livelihoods - in Resource Blocks and in M.K.S.P R.S.E.T.I s

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PRC Meeting Group -II Date : 18 th September 2014

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  1. PRC Meeting Group -II Date: 18th September 2014

  2. Structure of Presentation • Social Mobilization and Institution building • Resource Block Strategy • HR Positions in States • F.I - SHG Bank Linkage • Livelihoods - in Resource Blocks and in M.K.S.P • R.S.E.T.I s • Social Inclusion & Social Development, PRI-CBO & MEC • Systems: • M & E and MIS • Procurement • Financial Management • National Writeshop PRC MEETING - 18th Sep'14

  3. Social mobilization and institution building - Resource block strategy - Capacity Building- Human Resources

  4. Resource Block strategy • 1400 CRPs are spearheading resource block strategy in 80+blocks in the country • Out of 22 States requiring R.B strategy - 18 States supported by External C.R.P. Strategy from N.R.O s • 4 States in the last quarter ? PRC MEETING - 18th Sep'14

  5. Resource Blocks Initiated in Various States PRC MEETING - 18th Sep'14

  6. Resource Blocks Initiated/to be initiated in FY 2014-15 PRC MEETING - 18th Sep'14 6

  7. Success in Resource Block roll out in NE states • Resource clusters instead of Resource blocks • External Community Resource Persons – OMPLIS/SERP supports Nagaland and Mizoram; • Assam, Meghalaya, Manipurand Tripura to start soon. • Innovation – mixed team of CRPs (3 external CRPs and 2 internal CRPs) plus community translator(s) • 30 days of internal CRPs induction at OMPLIS/SERP • 45 days of CRP rounds PRC MEETING - 18th Sep'14

  8. Roll out of Intensive Blocks with social capital from Resource Blocks • Each resource block capable of producing local ‘community heroes’ for 20 blocks in 5 years • 5 new Intensive Blocks (per Resource Block) seeded after 2 ½ years through internal CRPs PRC MEETING - 18th Sep'14

  9. Roll out of Intensive Blocks in Chhattisgarh and Jharkhand - Schedule • Chhattisgarh • 29 Blocks (5 Blocks in October) • By March 2015 • Entire roll-out plan is finalized • Jharkhand • 30 Blocks (10 Blocks in February 2015) • By March 2015 • Entire roll-out plan is finalized Similar roll-out needs to be planned in Maharashtra, Rajasthan, MP in 2015; and other states subsequently PRC MEETING - 18th Sep'14

  10. Roll out of Intensive Blocks: Non Negotiable for SLRMs • Personal involvement of the Mission Director – critical • Each SPM need to adopt one RB and spend 10-15 days/month in the Block. • Similar protocols for DPMs and others • Develop 5 year vision for each RB • Participation (non-negotiable) in CRP de-briefing, training of women activist and internal CRPs • Simplify fund release and minimize Capitalization Gap • SHGs eligible for RF vis-à-vis SHGs provided RF • SHGs eligible for CIF vis-à-vis provided CIF • Bank linkage for eligible SHGs PRC MEETING - 18th Sep'14

  11. Roll out of Intensive Blocks:Non Negotiable for SLRM • Protocol and qualifying criteria for internal CRPs – very critical. No compromise on quality. • Member of an SHG following Panchasutras and completed at least 100 weekly meetings • Should be able to read and write • Accessed at least Rs.25,000 for small and big loans from SHG • Able to articulate well about Panchasutras and SHG norms • Willing to work for 15 days/month in other block/district • Have good health • Acceptance by family and her SHG • Intensive Block Staff Internship for 3 - 6 months in RBs PRC MEETING - 18th Sep'14

  12. Blocks in Partnership with NGOs • Partnership framework approved and communicated to all SRLM s • Status: • Jharkhand (PRADAN) – under implementation • Maharashtra (MAVIM) – under implementation • Odisha, UP, Karnataka, Rajasthan and Gujarat being worked out • All States need to explore similar partnership with other NGOs • Please ensure the quality of the SHGs and their congruence with NRLM non-negotiable PRC MEETING - 18th Sep'14

  13. Community Funds in Resource Blocks: Issues • All SHGs that have completed 3 months of successful Panchasutra should receive RF • Only 77% three-month old SHGs in Resource Blocks have received RF • Protocol for release RF within 15 days of completion of 3 months should be established. • Based on the list of SHGs with details, the release can be made immediately into the SHG account PRC MEETING - 18th Sep'14

  14. Community Funds in Resource Blocks: Issues • All SHGs that completed 6 months of successful Panchsutra should receive CIF • Only 36% six-month old eligible SHGs in Resource Blocks have received CIF • Protocol for completing MCP/MIP on completion of 6-months should be established • 6-10 MCP/MIP trainers per cluster need to be available for conducting the MCP/MIP • MCP/MIP need to be appraised by the VO (or a loose VO, leaders of SHGs at the village level) in the village itself within 15 days of the conduct of MCP/MIP • CIF amount need to be released within a week of appraisal of MCP/MIP PRC MEETING - 18th Sep'14

  15. Community Funds in Resource Blocks: Issues • Wherever VOs have come up, CIF could be released as a lump sum installment to VO. • VO in turn would release to SHGs based on the appraised MCP/MIP • Wherever VOs have come up, VRF releases may be initiated • Establish simple protocol to release VRF in 2-3 installments • Release the first installment immediately if VO practices all basic norms • Towards ‘SHG Act’ – UNDP Round Table in October PRC MEETING - 18th Sep'14

  16. Per Capita Loan accessed by SHG Members(Amt in Rs.) PRC MEETING - 18th Sep'14

  17. Per Capita Loan accessed by SHG Members(Amt in Rs.) PRC MEETING - 18th Sep'14

  18. Per Capita Loan accessed by SHG Members(Amt in Rs.) PRC MEETING - 18th Sep'14

  19. SHG Performance: Bench Mark • In 10 years, a typical SHG member should access at least Rs.2.5 lakh as credit. Rs.6.0 lakh is a possibility (projected) • The average NRLM investment per member is Rs.15,000 and, therefore, the leverage should be at least 15 times. • Across the states, SHGs in Resource Blocks are hovering around this curve as for Year-1 and Year-2 are concerned. PRC MEETING - 18th Sep'14

  20. HR Position in States PRC MEETING - 18th Sep'14

  21. HR Issues • HR Manual – Majority SRLMs yet to customise and adopt • Need for a COO from ‘Development Sector’ in each State Mission • Rationalize HR in view of Communitization and Collapse of Specialization and Phasing • 4 at BMMU, 4 at DMMU, 15-20 at SMMU. Add additional positions only when layering begins. • HR – Ensure that hygiene factors are improved – rational salary structure, timely salary payment, claim reimbursements, etc. • Fitment of Government staff, still not complete • Institute HR Performance Monitoring System PRC MEETING - 18th Sep'14

  22. Lag in Induction of Staff • States need to follow the detailed induction module for staff induction shared by NMMU • The induction and immersion should be completed within first 3-4 months of their joining the Mission • Ensure village (night) stay (15-30 days), accompanying CRP rounds (15-45 days), attachment with grassroots worker (10-15 days) • Ensure 8-15 days (nights) per month in Resource Block for all staff • Ensure internalization of 10-year cycles of typical HH, SHG, VO, CLF and Block processes • Collapse of specialization of staff and everyone as a NRLM team member responsible for an area PRC MEETING - 18th Sep'14

  23. Capacity Building Missions to States to develop self reliance of SLRMs in Capacity Building • NMMU Missions to States on CB, HR and Processes towards self-reliant CB • Chhattisgarh, Jharkhand, and Odisha initiated • First round in Bihar – by end September 2014 • Joint SRLM-NMMU Assessment Visits will be planned in October-December in other states PRC MEETING - 18th Sep'14

  24. Capacity Building in States • Capacity Building Agency Partnership Framework shared with states; Resource Pool at the national level is shared • Resource Pools at various levels in states to be developed • (SRLM) CEOs’ Forum – first meeting is planned in October/November 2014 PRC MEETING - 18th Sep'14

  25. NRLM Fellows • 28 NFs inducted for 90 days at NIRD and would be based at OMPLIS/SERP as NMMU pool initially. Majority of them would service NE and NW states. • NMMU support to states for - recruiting, inducting and making NFs available to them. • States may indicate their requirement of NFs [Rajasthan has already indicated] • NFs to be paid Rs.40,000-50,000 per month, for 2 years; extendable by another 1 year • NMMU would recruit through advertisement and campuses, SLRM will participate in the selection • Induction at NIRD and SERP at NIRD cost • Confirmed (based on the performance in induction) NFs made available to states • States need to pay their remuneration for the entire period PRC MEETING - 18th Sep'14

  26. F.I:SHG Bank Linkage2013-14

  27. Credit Disbursement over the years PRC MEETING - 18th Sep'14 Source: NABARD; (*) Provisional Figures Remaining 14 states – Rs 62 Cr

  28. Credit Linkage is skewed 2013-14 2012-13 ……and the gap is widening PRC MEETING - 18th Sep'14

  29. Ratio of Poor HH Vs Credit Disbursement PRC MEETING - 18th Sep'14

  30. Average Credit to SHGs Rs Lakhs National average 1.59 1.56 .92 PRC MEETING - 18th Sep'14

  31. MFI Loans Vs Bank loan to SHGs (2013-14) in Rs Cr Total amount disbursed by MFIs during 13-14- all states (including urban areas): Rs 34,968 Cr 79% of these funds were sourced from Banks (*) Source - MFIN PRC MEETING - 18th Sep'14

  32. NPA on SHG Lending PRC MEETING - 18th Sep'14

  33. F.I:Progress in SHG Bank Linkage2014-15

  34. SHG – Bank Linkage (As per MPR – Till Aug 14) Amt in Rs Cr PRC MEETING - 18th Sep'14

  35. Disbursement of Interest Subvention for SHGs (category-I districts – FY 2013-14) Amt in Rs Cr PRC MEETING - 18th Sep'14

  36. Disbursement of Interest Subvention for SHGs (category-II districts – FY 2013-14) Amt in Rs Cr PRC MEETING - 18th Sep'14

  37. Status of data sharing by RRBs (Till Mar 2014) PRC MEETING - 18th Sep'14

  38. Steps taken by NMMU for enhancing SHG Bank Linkage • National workshop with all major Public Sector Banks and SRLMs conducted at Srinagar • Published Handbook on SHG Bank Linkage for Bank Managers and SRLM Field Functionaries • Target for SHG-Bank Linkage for FY 2014-15 communicated to States • Advisory on steps to be taken by SRLMs issued 14th June 2014 • Regular consultations with IBA sub-Committee on issues related to SHG Bank Linkage and Interest Subvention • Conduct of Central Level Coordination Committee (CLCC) Meeting on 10th Sept 2014 PRC MEETING - 18th Sep'14

  39. Action Points decided at CLCC Meeting SRLM • Implement ‘Zero NPA Policy’ for SHG loans • Positioning of Bank Mitra in bank branches in intensive blocks • Institutionalize CBRM in all bank branch in intensive blocks • Regular conduct of BLBC, DCC & SLBC sub-committee meeting • Training and Immersion of bank branch managers • Exempt stamp duty charged to Self Help Groups PRC MEETING - 18th Sep'14

  40. Action Points decided at CLCC Meeting Banks • Banks to ensure correct coding of SHGs at bank branches • Turn around time for application by SHG to be specified • Data sharing from CBS with NRLM Bank linkage portal to be completed by 30th Sept 14 & then regularly every month IBA • Develop common application forms for SHGs across all banks PRC MEETING - 18th Sep'14

  41. Action Points for SHG Bank Linkage in Resource Block • Ensure adherence to timelines on ‘Capitalization of individual SHG’ • Prepare bank branch wise credit linkage plan • Monitor achievement of Year Wise ‘Block Bank Linkage Outcomes’. • Capacity Building of staff on SHG Bank Linkage • Conduct Training and Immersion of Bank Branch Managers to best practice sites • Place ‘Bank Mitra’ with bank branches to facilitate smooth linkage of SHGs with banks • Establish Community Based Recovery Mechanism (CBRM) in all bank branched in Resource & Intensive Blocks • Monitor achievement of SHG Bank Linkage and NPA through SHG Bank Linkage Portalon monthly basis • Invite representatives of SHG and SHG Federations at BLBC and DCC meetings PRC MEETING - 18th Sep'14

  42. SHG Capitalization Strategy Step by step process • Bank Credit – 3rd Linkage 36-40 Months 24 -30 Months 6 -12 Months 6-8 Months 6-8 Months 3-4 Months 2 Months From 1st Meeting RF : Revolving Fund MCP: Micro Credit Plan CIF: Community Investment Fund PRC MEETING - 18th Sep'14

  43. 10 Year Bank Linkage Outcome in one block PRC MEETING - 18th Sep'14

  44. Action Points for SHG Bank Linkage in Intensive & Partnership Blocks • Capacity Building of staff on technical & managerial aspects of SHG Bank Linkage • Conduct Training and Immersion of Bank Branch Managers on continuous basis • Prepare bank branch wise credit linkage plan; Consolidate plans at block level; review on monthly basis • Place ‘Bank Mitra’ with bank branches to facilitate smooth linkage of SHGs with banks PRC MEETING - 18th Sep'14

  45. Action Points for SHG Bank Linkage in Intensive & Partnership Blocks • Monitor achievement of SHG Bank Linkage and NPA through SHG Bank Linkage Portal on monthly basis • Establish Community Based Recovery Mechanism (CBRM) in all bank branched in Intensive & Partnership Blocks • Conduct of BLBC, DCC and SLBC Sub-Committee meeting on a monthly/ bi-monthly basis • Reward well performing bank branch manager during 26th January/ 15th August or on any State Specific Important days. PRC MEETING - 18th Sep'14

  46. Action Points for SHG Bank Linkage in Non-Intensive Blocks • Prepare a strategy for credit linkage of existing SHGs in non-intensive blocks in association with DRDA,ZPs, NGOs and other promoters • Capacity Building of personnel in non-intensive blocks staff on SHG Bank Linkage • Monitor achievement of SHG Bank Linkage and NPA through SHG Bank Linkage Portal on monthly basis PRC MEETING - 18th Sep'14

  47. Action Points for Implementation of Interest Subvention Scheme (Cat-I districts) • Ensure Data Sharing by RRBs on monthly basis • Spread awareness on Interest Subvention Scheme using IEC (Cat-II districts) • Ensure Marking of ‘NRLM Compliant SHGs’ • Access Eligibility Report on Bank Linkage portal and transfer amount to respective SHG a/c • Spread awareness on Interest Subvention Scheme using IEC PRC MEETING - 18th Sep'14

  48. LIVELIHOODS: FARM SECTOR LIVELIHOODS

  49. OBJECTIVE AND STRATEGY Reaching out to 7 crore HHs out of which 3 crore under Ultra Poor Strategy Focus on bottom 20% (6000HH/Block) PRC MEETING - 18th Sep'14

  50. OBJECTIVE AND STRATEGY • Start with the poorest households – landless, small and marginal • Intensive engagement with them • Build a cadre of CRPs out of the best practitioners • Address needs of entire livelihood basket-integrate Agriculture, livestock and NTFP intervention • Scaling up through C.R.P s from the poorest households PRC MEETING - 18th Sep'14

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