State Perspective & Implementation Plan (SPIP)

JEEViKA

Bihar Rural Livelihoods Promotion Society (BRLPS) -

Rajya Grameen Aajeevika Mission (SRLM), Bihar

JEEViKA : at a Glance

• BRLPS registered in 2005 & project JEEViKA started in October

2007 with World Bank support

• Outreach : 7.5 Lakh Rural Poor HHs in 55 Blocks of 9 districts

• Mission: Social & Economic Empowerment of Rural Poor

through self managed community institutions of women

• Executive Committee: headed by Development Commissioner

• Systematic Pro poor targeting model & Saturation approach

• Building Social Capital – “Community Cadre”

• Convergence with Line Depts, Business relationship with

Bankers & Partnership with service provider agencies

JEEViKA : Journey of Nirmala Devi, Shekhwara

Before joining SHG:

• Landless Mahadalit, got 1 acre Bhudan land - low-productive

• Family - Husband & 3 Sons

• Average 15 days/month daily labour

• 2 quintal of rice/annum (Rs. 2000)

• Incurred high cost debt of 10,000 @ 120%/annum

• Mortgaged half of her land

• As the interest was rising, sold the only cow & repaid 5500

• Lost all hopes

Joined Suraj SHG in 2006 motivated by CRPs from AP

JEEViKA : Journey of Nirmala Devi, Shekhwara

After Joining SHG:

• Took 3 small loans from savings: 200, 300 & 500 for health needs

• Took 5000 from ICF to start a grocery shop, earning 2000/month

• Two sons trained under DRF & earn 150/day for 15 days/month

• She is a senior CRP now, moves out to mobilise and earns also

• She cleared all high cost debts and mortgaged land

• Husband tried SRI and got 5 quintal amounting Rs. 5000

• Her family income raised from 1500 to 7000/month

• Gets regular food grains - right price & quantity from VO run PDS

• Set to take another loan to settle her last son in business/dairy

• Great difference she feels is a debt free, tension free happy life

JEEViKA : Key Achievements

• Over 5 lakh Poor HHs mobilized into institutions

• 72% SC/ST HHs in the project area are covered under the CBOs

• 69% of 6 month old SHGs, linked with Banks – Rs. 75.6 crore

• Success of SRI resulted in scaling up by GoB as “SRI Kranti”

• Sample 2666 SHG HHs completed 3 years, shown the following

results-

49%

90%

34% 29% 0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Repaid High CostDebts

Improved FoodSecurity

Increased LandAccess

Increased LivestockAccess

JEEViKA : Key Achievements

• Changes in Land ownership of Landless Members : – Substantial numbers of landless have acquired land

– Landless have substantially increased their leased land holding size

• 7.6 % landless purchased land & average 6 Kattha (0.2 acre)

• Out of that 67% belong to SC/ST/EBC

JEEViKA : SPIP Process

• BRLPS designated as SRLM & its CEO as State Mission Director

• SPIP prepared with complete ownership

• Internal spearhead team with support of external consultants for EMF

• Stakeholder Consultation with :

Community Members, Banks & MFIs, DRDAs,

Educational Institutions, Govt. agencies, NGOs

• Input from all Secretaries in a meeting chaired by the Chief Secretary

• Empowered Committee reviewed the 10 year long plan till 2021-22

• The State Cabinet approved the SPIP and submitted to MoRD

• Suggestions of Pre-Appraisal Mission (WB & MoRD) incorporated

• Detail roll out plan with Year-wise Budget & Result Framework prepared

JEEViKA : Aajeevika Readiness

• Dedicated Implementation Structure & Core team in place

• Operation manuals in place for Fin.&Admin, Procurement, IB&CB

• Over 12000 Community Professionals trained for scaling up

• Systems in place for multiple options for recruitment

• Set partnership with Banks, Govt. agencies and MFIs

• Scoping of NGOs and institutions initiated to meet the pace

• Mapping of existing SHGs under various schemes started

• Committee at district level formed for integration with DRDAs

• Experience in livelihoods sectors: farm, off-farm, non-farm & jobs

JEEViKA : Capitalization Tracking

0

5000

10000

15000

20000

25000

30000

35000

40000

45000

SHG Formed

Bank A/c

MP

ICF

Linkage

• Tracking mechanism is set in the MIS and in various dash boards

JEEViKA : Scaling up in Aajeevika

Indicators Present Position

1 Year Stage

5 Year Target

10 year Output

Geographical coverage 55 blocks 183 blocks 534 blocks 534 blocks

Number of poor HHs covered 5 Lakh 12 Lakh 70 Lakh 1.25 Crore

Number of SHGs Formed 43 Thousand 1 Lakh 6 Lakhs 10 Lakh

Number of VOs formed 27 Hundred 5 Thousand 34 Thousand 65 Thousand

Number of Community Professionals 12 Thousand 25 Thousand 1.5 Lakh 3.75 Lakh

Amount of Saving Mobilised 19.52 Crore 40 Crores 500 Crores 3100 Crore

Number of SHGs received ICF 26 Thousand 60 Thousand 4 Lakh 10 Lakh

Number of SHGs credit linked 18.6 Thousand 35 Thousand 3 Lakh 10 Lakh

Amount Liveraged from Banks 75.6 Crore 200 Crore 2000 Crore 12000 Crore

Number of HHs linked with Agriculture 1.5 Lakh 2.5 Lakh 25 Lakh 65 Lakh

Number of HHS linked with Livestock 8 Thousand 25 Thousand 5 Lakh 30 Lakh

Number of HHs linked with non-farm 2 Thousand 5 Thousand 2.5 Lakh 15 Lakh

Number of Youths trained & placed 2 Thousand 25 Thousand 4 Lakh 15 Lakh

JEEViKA : Social & Financial Inclusion Strategies

• Formation of CBOs and their quality nurturing

– Focus on vulnerable sections like SCs, STs, particularly Mahadalits

– Aggregation of economic activities through Producer Groups

– Block Level Federation to be sustainable in a span of 5-7 years

– Developing Community managed training & Learning Centres

• Financial assistance to the poor through Capitalization

– Uniform books of records & Participative Micro Planning (MP)

– Financial products for food & health security and income generation

• Streamlining Mainstream Bank Finance

– Partnership (MOUs) with Commercial Banks & RRBs

– Setting up ‘Bank Mitra-Help Desks’ at bank branches

– Inclusion through alternate banking channels like Kiosk, mobile based

JEEViKA : Livelihoods Promotion Strategies

• Reduction in Vulnerability

– Community managed Food Security Mechanism including PDS

– WOW, Community managed dispensary & Nutrition centres

– Collaboration with MGNREGA, Social Welfare, PHED etc

• Economic Inclusion

– Comprehensive Agriculture with pro-poor extension mechanism

– Value chain intervention for Dairy, small ruminants & allied sectors

– Cluster approach for selected art & crafts and other non farm sectors

– Partnership with technical agencies for end to end solutions

• Setting up a focused employment generation mission

– Partnership with industries & technical agencies for placements

– Convergence & integration with RSETIs, ITCs/ITIs, State Skill Mission

JEEViKA : Project Management Strategies

• HR & OD :

o Multiple recruitment options : Deputation, Open Market, Internal

selection, Campus, Intern & YP model

o Partnership with academic / training institutions for CB

• Funds Flow : State -> Districts -> Blocks

o Districts as accounting centres, Blocks as cost centres

o Strong monitoring & financial system to manage multiple sources

• M & E :

o Institution based MIS - Web-based monitoring system

o Qualitative measurement with Process Monitoring & Thematic Studies

• KM / Communication & Governance / Accountability o Use of new mediums with traditional channels for both Internal &

External Communication

o Integration of IT with CBOs for transparency & credibility

JEEViKA : Implementation & Phasing Plan Year Dist Entry DPCU Intensive Blocks Non Intensive Blocks Cumulative

Upto 10-11 9 7 55 0 55

2011-12 29 14 79 111 245

2012-13 0 17 148 149 431

2013-14 0 0 149 103 534

2014-15 0 0 103 0 534

Priority decided upon HDI, No. of SC/ST HHs (preferably Mahadalits) & No. of BPL HHs

JEEViKA : Budget & Resource Planning

Cumulative Budget for NRLM in Bihar (Rs. In Crore)

Components

3 months (Jan to Mar 12)

1 year (15 months - Jan 12 to Mar 13)

5 years (65 months - Jan 12 to Mar 17)

10 years (125 months - Jan 12 to Mar 22)

Social Inclusion 56.53 226.13 1330.18 1623.31

Financial Inclusion 64.71 258.84 1531.36 1690.37

Livelihood Promotion 170.03 680.10 4529.56 5016.85

Project Management 17.87 71.49 309.67 568.21

Total 309.14 1236.56 7700.77 8898.73

Cumulative Resource Planning for NRLM in Bihar (Rs. In Crore)

Source

Budget - 3 months (Jan to Mar 12)

Budget - 1 year (15 months - Jan 12 to Mar 13)

Budget - 5 years (65 months - Jan 12 to Mar 17)

Budget - 10 years (125 months - Jan 12 to Mar 22)

Existing BRLP & Kosi 14.10 56.40 171.05 171.05

NRLP (GoI Share) 46.46 185.86 638.55 638.55

NRLM (GoI Share) 175.16 700.64 5014.39 5912.86

Total GoI Share 221.63 886.50 5652.94 6551.41

Total GoB Share 73.88 295.50 1884.31 2183.80

Grand Total 309.60 1238.40 7708.30 8906.26

JEEViKA : Cumulative 1 Year Output (15 Months)

Social Inclusion and Institution Building ◦ 12 Lakh women mobilised, 1 Lakh SHGs, 5 Thousand VOs, 60 CLFs

◦ 25 Thousand Community Para Professionals providing services to CBOs

Financial Inclusion ◦ 4,000 Lakh Community Savings & 6,000 Lakh Interloaning

◦ Rs. 200,00 Lakh Credit from Banks to 35,000 SHGs

Vulnerability Reduction ◦ 4000 VOs involved in initiating Health security initiative

◦ 3500 VOs initiated CBO Driven Food Security activities

Livelihoods Enhancement ◦ 1,20,000 HHS engaged in Community Managed Sustainable Agriculture

◦ 25,000 HHs linked with off-farm and 5000 HHs with non-farm activities

◦ 25,000 youths trained and placed in fromal and informal sectors

JEEViKA : Key Results at 5 Year Stage (65 Months)

Social Inclusion and Institution Building ◦ 70 Lakh women mobilised, 6 Lakh SHGs, 34 Thousand VOs, 500 CLFs

◦ 1.5 Lakh of Community Para Professionals providing services to CBOs

Financial Inclusion ◦ 50,000 Lakh in Savings & Rs. 200,000 Lakh Credit from Banks

◦ Atleast 70% SC/ST/Vulnerable HHs access funds

Vulnerability Reduction ◦ Atleast 80% HHs improved Food Security

◦ Atleast 50% HHs covered under Health Safety Net & Social Security Schemes

Livelihoods Enhancement ◦ Atleast 70% HHs achieved 40% increase in Income

◦ Atleast 4 lakh jobs created with placement in formal & informal sectors

THANK YOU

A Presentation by

JEEViKA : Bihar Rural Livelihoods Promotion Society -

Rajya Grameen Aajeevika Mission (SRLM), Bihar

Block Project Implementation Units a Team consisting of Block Project Manager, Area Coordinators, and

Community Coordinators

District Project Coordination Unit District Project Manager supported with specialists

State Project Management Unit PD cum CEO supported by thematic experts & support staffs

Cadre of Community Resource Persons,

Book Keepers and Community Mobilisers

Dedicated Society General Body and Executive Committee

JEEViKA : Dedicated Support Structure

JEEViKA : Institutional Architecture

-

2

CBLF

BLF

VO

Members

PG

CLF

6% Interest

SHG

12% Interest

24% Interest

Institutional Platforms of the Poor (SHGs & Federations)

Food Security

Land Leasing Productivity Enhancement

Food Rations from PDS Collective Purchase of Food

Access to Entitlements

BPL Cards PDS Cards Job Cards

Social Pensions

Financial Inclusion

Savings, Credit Insurance

Remittances Help Desks at Banks

Banking Correspondents

Productivity Enhancement

Agriculture (SRI, SWI, PVSP) Dairy

Bee Keeping Fisheries , Makhana

Non-farm incl. Art & Crafts

Health Security

Health Savings Loans from Health Risk Fund Women Outreach Workers

Mobile Clinics

JEEViKA : Framework

Market Access

Collective Marketing Producer Companies Market Partnerships

Jobs and Skill Development

Livelihoods Enhancement

Vulnerability Reduction

JEEViKA : Other Blocks – Ist Year Plan

The interventions which will be carried out in other blocks:

• Competency mapping & TNA of existing staff of DRDAs

• Scoping of potential Civil Society Partners

• Mapping & Capacity Building of existing SHGs

• Good quality CBOs will be linked to Financial Institutions and other Livelihoods related interventions

• Capacity Building of Average quality CBOs

JEEViKA : Head wise resource allocation

NRLP (GoI & GoB) Budget Head & Amount in Crore

NRLM (GoI & GOB) Budget Head & Amount in Crore

Period

B2 IB &CB (CID)

B3 CIS (CIF)

B4 Sp. Prog

B1 SRLM (STAF & PM) Total

SHG Formation (CID)

RF & CS incl. IS, OTG & Infra.) (CIF)

CB & Skills Admin Total

3 months - Jan to Mar 12 13.49 39.24 0.00 9.23 61.95 49.48 149.02 22.23 12.81 233.55

15 months - Jan 12 to Mar 13 53.96 156.94 0.00 36.91 247.81 197.93 596.08 88.93 51.25 934.19

65 months - Jan 12 to Mar 17 180.39 543.25 0.00 127.76 851.40 1420.93 4262.49 635.93 366.51 6685.85

125 months - Jan 12 to Mar 22 180.39 543.25 0.00 127.76 851.40 1674.74 5026.87 749.97 432.23 7883.81

JEEViKA : Aajeevika Impact at Household level

Each SHG member should

• have accessed cumulative credit of Rs. 1 Lakh • have retired all high cost debt • have Invested a major part of credit in a basket of

income generating activities (2 or 3 livelihoods) • have Income generated from 2 or 3 livelihoods is

approximately Rs. 10,000 /- pm (based on existing experiences)

• Have substantially reduced expenditure on health and become food secured throughout the year

• come out of poverty in 5 to 7 years time frame

Chief Minister Shri Nitish Kumar interacting with SHG at Gangapur Village, Muzaffarpur

Minister RD, GoI Shri Jayram Ramesh interacting with VO at Shekhwara Village, Gaya

President World Bank Shri R. B. Zolleick interacting with community at Patna

British Parliamentary Committee discussing with households at Bhusia Village, Gaya

Shri Norman UpHoff from Cornell University, US with SRI farmers in Ghantadih Village, Gaya

Country Director, WB, Shri R. Zagha interacting with VO at Bhusia Village, Gaya