The
National Rural Livelihood Mission (NRLM) was established in June 2010 by the
Government of India, to be implemented in all States of the country, to
establish efficient and sustainable institutions of the rural poor that enable
them to increase household income through livelihood enhancements and improved
access to financial and selected public services. NRLM have special focus on
the poorest households, who are currently dependant on MGNREGA. These families
will be supported to broaden their livelihoods through assets and skill
acquisition. This will enhance the quality of their livelihoods significantly.
Brief history
Pursuant
to the recommendations of Hashim Committee, this Ministry restructured all the
Rural Development and Poverty Alleviation programmes such as IRDP, TRYSEM,
DWCRA, SITRA, GKY, and Million Wells Scheme with a view to improving the
efficacy of programmes. All these Schemes were merged into a single self
employment programme known as Swarna Jayanti Gram Swarozgar Yojana (SGSY).
The
Ministry of Rural Development has decided to re-design and re-structure the
ongoing Swarna Jayanti Gram Swarojgar Yojana (SGSY) into National Livelihood
Mission (NRLM). The idea has been conceived as a cornerstone of national
poverty reduction strategy.
The
objective of the Mission is to reduce poverty among rural BPL by promoting
diversified and gainful self-employment and wage employment opportunities which
would lead to an appreciable increase in income on sustainable basis.
A comprehensive livelihoods approach
encompassing four interrelated tasks:
a) Mobilizing all rural, poor
households into effective self help groups (SHGs) and SHG federations;
b) Enhancing access to credit and
other financial, technical, and marketing services;
c) Building capacities and
skills for gainful and sustainable livelihoods;
d) Improving the delivery of social and
economic support services to poor.
Thus the objectives of NRLM are:
1.
Universal social mobilization;
2.
Formation of people's institutions;
3.
Universal financial inclusion;
4.
Training and capacity building and
5.
Enhanced package of economic assistance for setting-up of micro enterprises and
larger role for Self Help Groups (SHGs)
National
Rural Livelihoods Mission is a Centrally Sponsored Scheme and the financing of
the programme will be shared between the Centre and the States in the ratio of
75:25, except in case of the North Eastern States where it will be on
90:10 basis.
There are two major strategic shifts under
NRLM:
a) NRLM is a demand driven
programme and the states formulate their own poverty reduction action plans
based on their past experience, resources and skills base; and
b) NRLM will provide for a professional
support structure for programme implementation at all levels from the national
up to the block level in different streams.
The
Rural Livelihoods Mission has a three-tier interdependent structure. At the
apex of the structure is the National Rural Livelihoods Mission, under the
Ministry of Rural Development, Govt. of India. At the State level, there
is an umbrella organization under the State Department of Rural Development/
Department which is responsible for implementing self-employment/rural
livelihoods promotion programs. The State level Mission with dedicated
professionals and domain experts under the State department of Rural Department
will be guided financially, technically and supported by the NRLM on need
basis. The National and the State Mission will have a symbiotic relationship.
They will have mutual access to the knowledge and services in the area of rural
livelihoods.
The
National Rural Livelihoods Mission (NRLM) seeks to provide greater focus and
momentum to poverty reduction to achieve the Millennium Development Goal by
2015.This entails a rapid increase in viable livelihoods among poor rural
households (as well as urban ones).
In
the longer run, the NRLM is to ensure broad-based inclusive growth and reduce
disparities by spreading its benefits from ‘islands of growth’ across the communities,
sectors and regions.
ROLE OF BANKS IN NRLM
The
role of Banks will be of prime importance under NRLM as a source of credit for
the poor at reasonable rates. NRLM will focus on getting banks to lend to the
poor by making them bankable clients through smart use of subsidy. NRLM will
focus on women as the best way of reaching out to the whole family is through
the woman. There will be a special focus on vulnerable sections: scheduled
tribes, scheduled castes, minorities, women headed families, etc. The second
focus of NRLM would be rural youth of the country who are unemployed. They will
be supported through placement linked skill development projects through which
their skills will be upgraded through short term training courses in sectors
which have high demand for services.
On
June 2011 Government of India renamed the National Rural Livelihood Mission as
‘AAJEEVIKA’. Aided in part through investment support by the World Bank, the
Mission aims at creating efficient and effective institutional platforms of the
rural poor enabling them to increase household income through sustainable
livelihood enhancements and improved access to financial services.
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