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Swaranjayanti Gram Swarozgar Yojana

 Swaranjayanti Yojana was started from 01-04-1999 for the self-employment of the rural poor has been under implementation after restructuring and merging the erstwhile IRDP and its allied programs. The program aims at bringing the assisted BPL families above the Poverty Line through 
[i] organizing rural poor into Self-Help-Groups 
[ii] establishing micro enterprises in rural areas based on the ability of the poor and potential of each area. 
[iii] provision of credit linked capital subsidy to help beneficiaries acquire income- generating assets 
[iv] training of beneficiaries in group dynamics and skill development for managing micro-enterprises 
[v] marketing support with focus on market research, up gradation and diversification of products, packaging, creation of marketing facilities 
[vi] provision of infrastructure development fund to provide missing critical links. 
The SGSY suffered from major deficiencies, such as 
[i] weaknesses in the planning and implementation process, improper formation, nurturing and working of SHGs, not strictly as per NABARD guidelines 
[ii] subsidy acted as a tempting factor rather than enabling one to acquire income generating assets through bank credit resulting in unsatisfactory loan repayment as compared to SHGBank-Linkage Program 
[iii] estimated income was not generated because of lack of effective coordination and systematic monitoring of SGSY implementation 
[iv] heavy concentration on agriculture and that too milch animals 
[v] inadequate use of funds earmarked for capacity building and skill development training, infrastructure development and marketing support. Deficiencies were observed in varying degrees in all States but were more pronounced in States of NorthEast region, Uttar Pradesh, Uttrakhand, Himachal Pradesh, Rajasthan, Madhya Pradesh, Chhatisgarh, Bihar, Jharkhand, Orissa and West Bengal in particular., Implementation of IRDP till November 1999 and SGSY since April 1999 could not alleviate rural poverty as expected, as according to NSS round [2004-05], 41.8% rural population had monthly per capita expenditure of Rs.447, which some economists consider Below Starvation Line instead BPL. Besides, according to Multidimensional Poverty Index [MPI] worked out by UNDP and Oxford University, July 2010, about 645 million people [55%] in India were poor. As against 410 million MPI poor in 26 of the poorest African countries, eight Indian States [Bihar, Chhattisgarh, Jharkhand, Madhya Pradesh, Orissa, Rajasthan, Uttar Pradesh and West Bengal] had 421 million MPI poor. The MPI reveals a vivid spectrum of challenges facing the poorest households. MPI considers 10 sharp indicators, namely Education [child enrolment and years of schooling]; Health [child mortality and nutrition] and Standard of living [electricity, drinking water, sanitation, cooking fuel, flooring and assets].

Mukhyamantri yuva swarozgar yojana

This scheme was introduced on 1st august 2014 under this scheme the poor people belonging to rural areas who are jobless are provided a small loan from the bank to set up a small business. 
By introducing this scheme our state government is trying to provide financial support to all the poor people so that they can do any small business and can fulfil all the needs of their family and can also support in the development of the state. In this scheme the state government will provide a loan of about Rs20,000 to 10lakh so that they can set up their own small business and could improve the condition of their family. 

There are some eligibility criteria for applying this scheme and according to that criteria the applicants should have at least class 5th so that he or she could have that much knowledge that how to invest the money and where to invest the money because that amount is very precious for them. Another thing that matters most is that the age of the applicants should not be less than 18 years and more than 45 years as because according to the government this is the only age in which a person can work efficiently. 
The applicant should not already be getting assistance under any state run schemes.this is to confirm that the person applying for this scheme really needs the support of this scheme. The scheme is available only to set up industry/service company/business. No one can use the amount provided by the government for his or her personal work. The main objective of this scheme is to promote entrepreneurship in Madhya Pradesh without need for collateral security.


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