Magalirtittam – Cuddalore District
The Tamil Nadu Corporation for Development of women (TNCDW) was established in1983 with the prime objective of bringing about socio-economic development and empowerment of women. The Corporation implements Tamilnadu State Rural Livelihood Mission and National Urban Livelihood Mission, a major anti-poverty programme meant for self employment of rural poor.
In order to bring about greater synergy and better coordination in implementing various schemes for Self Help Groups, Tamil Nadu Corporation for Development of Women Ltd was brought under the control of Rural Development and Panchayat Raj Department from July 2006. Further the Board of TNCDW was broad based and reconstituted vide G.O.Ms.No:148,Rural Development and Panchayat Raj(CGS-II) Department, dated 12.10.2006 to include representatives from industry, NGO sector, Banks and Specialists who can positively guide the Corporation with their valuable inputs.
For implementation of TamilNadu State Rural Livelihood Mission, district offices were established over the last several years. The district level PIUs are headed by a Project Officer (PO) assisted by Assistant Project Officers (APOs) in the functional areas of training, livelihood, monitoring, administration and other schemes,. There is a District Project Coordination Committee (DPCC) headed by the District Collector for coordinating between the different partners working on the project and for promoting convergence of services of the different departments.
Tamilnadu State Rural Livelihood Mission
The Government of Tamil Nadu is implementing a special scheme called Tamil Nadu State Rural Livelihood Mission from the year 2012-13. The Mission activities are funded by Government of India and the State Government in the ratio of 60:40. The objectives of TNSRLM is to build strong and vibrant institutional platforms of the poor in the rural areas which enable them to increase their household incomes through livelihood enhancements and access to financial and other services. Under this scheme the target group comprises of poor and vulnerable section of the community. The target people are organized into active Community Based Organisations (CBOs) to provide sustainable livelihood opportunities.
The salient features of TNSRLM
- Identification and mobilization of the left out poor into the SHG network.
- Establishing and strengthening community organisations of the rural poor.
- Social empowerment of the rural poor through capacity building.
- Promotion of livelihoods of the poor including the vulnerable and differently-abled.
- Improving the quality of the SHG products and providing marketing opportunities.
- Providing financial assistance to SHGs for on-lending to their members for taking up economic activities.
- Employment linked skill training for rural youth.
- Convergence with the Government departments to leverage their financial and non-financial services and utilizing them in an effective manner.
- Enabling the rural poor to access basic facilities and train them in conserving their environment and sanitation.
Details about the schemes and activity:
1. Self Help Group Formation
Description about the Scheme:
Self Help Group (SHG) is a group of 12 to 20 women of the same socio-economic background who come forward voluntarily to work together for their own upliftment. The unique feature of the SHG is its ability to inculcate among its members sound habits of thrift, savings and banking
Regular savings, periodic meetings, compulsory attendance, and systematic training are the salient features of the SHG concept. Each group selects one animator and two representatives from among themselves. The animator is responsible for providing leadership to the group and to maintain the various registers. The representatives assist the animator and maintain the bank accounts of the group.
- Self Help Groups consist of 12-20 BPL women members in the age group 18-60 years residing in the same area.
- They are trained to become cohesive as a group through regular meetings and encouraged to cultivate savings habit.
- Capacity Building Programmes such as SHG and A & R training are imparted to the Group members and within a period of six months.
- After a period of 6 months, SHGs are rated for Credit Linkage by a Committee consisting of Bankers, APOs, Block level officer and PLF / VPRC Representative.
- For the eligible Credit rated SHGS, credit facilities are largely made available through Banks, both for revolving fund and economic activity.
- Other sources of funding for Credit linkage are TAHDCO & NABARD
- Under various Skill Training Programmes, eligible SHG members are encouraged to start economic activities or undertake self employment.
- Efforts are made by TNCDW for marketing the products produced by SHGs wherever possible locally and for sale in exhibitions.
Procedure to obtain the benefit / Service:
- Conducting Habitation level Meeting
- Form a group with the eligible member
- Opening of Bank Account with a Nationalized or Cooperative Banks
- Bank Linkages to Eligible SHGs
- Create a Livelihood activities and promote economic generation activities.
Scheme Name:Credit Linkage
Description about the Scheme: Bank credit is one of the most critical inputs for empowering SHGs and to reduce rural indebtedness. Banks normally extend cash credit banks in the State have started providing minimum of Rs.1 lakh as first linkage and minimum of Rs.3 lakhs and Rs.5 lakhs as second and third linkages respectively.
- 6 month passed
- Should be passed credit rating
- Should be maintain regular savings & Internal Loan
- Should be attend & Passed Credit rating
- Application should be submitted concerned bank with the proper document & Proposal.
Description about the Scheme:
DDU-GKY is uniquely focused on rural youth between the ages of 15 and 35 years from poor families. As a part of the Skill India campaign, it plays an instrumental role in supporting the social and economic programs of the government like the Make In India, Digital India, Smart Cities and Start-Up India, Stand-Up India campaigns. Over 180 million or 69% of the country’s youth population between the ages of 18 and 34 years, live in its rural areas. Of these, the bottom of the pyramid youth from poor families with no or marginal employment number about 55 million.
Description about the Scheme:
Central Government, redefine the SGSRY Scheme and implemented as National Urban Livelihood Mission during 2011 which was implemented through Municipalities. This scheme was comes under TNCDW from 01.09.2016. In Cuddalore District, 5 Municipalities (Cuddalore, Nellikuppam, Panruti, Virudhachalam, Chidambaram) and 16 Town Panchayats, this scheme is running successfully.
Formation of SHGs:-Self help groups are formed with female members having18 to 60 age group, Physically handicapped comprising of 12 to 20 members. For 2017 – 18 target for new group formation is 281 Self Help Groups and the achievement is 295 Self Help Groups was formed and expenses Rs. 1.41 lakhs was spent for fundamental training, Book Keeper Training, Refresher training to the members of Self Help Groups.
Revolving fund for Self Help Group:- Newly formed Self Help Group performance was monitored for the period of 6 months and rating was done to 6 month aged new self help group for releasing the revolving fund [at] Rs. 10,000/- per SHG. For 2017-18 revolving fund of Rs. 29.50 lakhs have been released for 295 SHGs.
Self Employment Programme :-Providing individual loan / Mudra loan for Urban unemployed youth to start self employment activities. During 2017-18 financial year Rs. 156.67 lakhs loan was given to 296 persons through banks for self employment programme.
Self Employment Programme (Group):-Loan facilities provided to self help group in Urban for self employment activities. 2017-18 financial year Rs. 516.27.00 lakhs loan was provided to 168 Self help groups through bank for group activities.
TAMILNADU CORPORATION OF DEVELOPMENT FOR WOMEN
JOINT DIRECTOR / PROJECT DIRECTOR,