Frequently Asked Questions

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.

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.

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.

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.

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.

NRLM is presently working in 1009 blocks in an ‘intensive’ 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.

NRLM’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.

NRLM’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.

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 – member passbook, minutes book, attendance and savings book, cash book, loan ledger, activity/enterprise book(s) etc.

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.

NRLM has put in place a dedicated, sensitive support structure to facilitate the creation and functioning of IoP. The SRLMs are given the responsibility of implementing the programme in the states based on their States Perspective Implementation Plans (SPIPs) and Annual Action Plans (AAPs). District Mission Management Units (DMMU) and Block Mission Management Units (BMMU) are established to implement the programme.

At the national level, the National Rural Livelihoods Promotion Society (NRLPS) has been set up to serve as the technical support agency to NRLM. NRLPS supports the SRLMs in strategizing, planning and implementing NRLM.

NRLM has adopted ‘demand driven’ strategy, in place of SGSY’s ‘allocation based’ strategy. This implies that under NRLM, states have greater autonomy to plan for implementing the programme. NRLM encourages states to prepare State Perspective for Implementation Plans (SPIP) for seven years and Annual Action Plans (AAPs). The allocation for the state is released against the approved AAP.

NRLM has adopted a Participatory Identification of Poor (PIP) instead of the BPL to identify its beneficiaries.