NATIONAL RURAL LIVELIHOOD MISSION

दीनदयाल अंत्योदय योजना – राष्ट्रीय ग्रामीण आजीविका मिशन

Empowering rural women through self help self help is he best help let us create our groups and help each other

(NRLM) राष्ट्रीय ग्रामीण आजीविका मिशन 2023 | NRLM bank linkage, *nrlm.gov.in* nrlm shg login

National Rural Livelihood Mission 2023: क्या आप भारत के ग्रामीण क्षेत्र से सम्बन्ध रखते है, यदि हाँ, तो आपने NRLM (पूरा नाम National Rural Livelihood Mission) का नाम जरूर सुना होगा। आपने अपने गांव में 10 से 20 महिलाओं को समूह बनाते हुए देखा होगा। ये समूह NRLM Scheme के तहत ही बनाये जाते है। NRLM Scheme को केंद्र सरकार के ग्रामीण विकास मंत्रालय द्वारा संचालित किया जाता है, जिसे केंद्र सरकार की पूर्व योजना स्वर्ण जयंती ग्राम स्वरोजगार योजना (एसजीएसवाई) को पुनर्गठित कर 01 अप्रैल 2013 को राष्ट्रीय ग्रामीण आजीविका मिशन की शुरुआत की गयी। का गठन किया गया। यह योजना ग्रामीण क्षेत्र में रहने वाले गरीब लोगों के कल्याण के लिए बनायी गयी है।

जैसा कि आप जानते है कि हमारा देश जनसँख्या के मामले में दुनिया में दूसरे स्थान पर है, ऐसे में सरकार को सभी के लिए रोजगार दिला पाना बहुत मुश्किल काम है। इसे ध्यान में रखते हुए ग्रामीण क्षेत्रों में लोगों को स्थानीय स्तर पर ही रोजगार उपलब्ध हो जाये, जिससे उन्हें शहरों के लिए पलायन न करना पढ़ें आदि उदेश्यों की पूर्ति के लिए इस योजना को शुरू किया गया है

ग्रामीण क्षेत्र को आत्मनिर्भर बनाना, गांव से शहरों के लिए पलायन को रोकना, ग्रामीण महिलाओं को आत्मनिर्भर बनाना, स्थानीय स्तर पर रोजगार उपलब्ध कराना, सरकार के ये सभी मकसद इस योजना के द्वारा पुरे किये जा सकते है।  इस आर्टिकल में हम NRLM Scheme kya hai, एन आर एल एम के उदेश्य क्या है, इसके बारे में हम विस्तार से जानेंगे, कृपया पूरा आर्टिकल पढ़े।

ग्रामीण क्षेत्र को आत्मनिर्भर बनाना, गांव से शहरों के लिए पलायन को रोकना, ग्रामीण महिलाओं को आत्मनिर्भर बनाना, स्थानीय स्तर पर रोजगार उपलब्ध कराना, सरकार के ये सभी मकसद इस योजना के द्वारा पुरे किये जा सकते है।  इस आर्टिकल में हम NRLM Scheme kya hai, एन आर एल एम के उदेश्य क्या है, इसके बारे में हम विस्तार से जानेंगे, कृपया पूरा आर्टिकल पढ़े।

NRLM की शुरुआत कब हुई ?

वर्तमान में यह योजना लगभग सभी राज्यों में क्रियान्वित है। लेकिन सभी राज्यों में इसे अलग नाम भी दिए गए है। शुरुआत की यदि बात करें तो 1999 में भारत सरकार के ग्रामीण विकास मंत्रालय द्वारा सर्वप्रथम स्वर्ण जयंती ग्राम स्वरोजगार योजना (sgsy) नाम से एक योजना चलायी गयी थी। जिसका 2013 में पुनर्गठन कर राष्ट्रीय ग्रामीण आजीविका मिशन के रूप में लागू किया गया। 29 मार्च 2016 को एक बार पुनः इसका नाम बदलकर DAY-NRLM (दीनदयाल अंत्योदय योजना – राष्ट्रीय ग्रामीण आजीविका मिशन) किया गया। यह प्रोग्राम सरकार द्वारा गरीबों (मुख्यतः महिलाएं) को मजबूत संस्थानों के निर्माण व फाइनेंस जैसी सेवाओं और लवलीहुड (आजीविका) सेवा से जोड़ने के लिए बनाया गया प्रमुख प्रोग्राम (कार्यक्रम) है।

एवं उक्त कार्यक्रम, सरकार का गरीब, विशेष रूप से महिलाओं हेतु मजबूत संस्थानों के निर्माण एवं वित्तीय सेवाओं और आजीविका सेवाओं से इन्हे जोड़ने का प्रमुख कार्यक्रम है । 

उस समय इसका मुख्य उदेश्य ग्रामीण क्षेत्र में bpl परिवारों को स्थानीय स्तर पर रोजगार उपलब्ध कराकर उन्हें गरीबी रेखा से बाहर लाना था। इसके स्वरुप में समय समय पर बदलाव किये जाते रहे है। वर्तमान में इसका नया नाम दीनदयाल अंत्योदय योजना-राष्ट्रीय ग्रामीण आजीविका मिशन (DAY-NRLM) रखा गया है

Mission Antyodaya: Empowering Rural India
Mission Antyodaya: Empowering Rural India

स्वयं सहायता समूह 2023 | Self help Group (SHG) क्या है? | समूह कैसे बनाएं | Benefit, Eligibility, Online Apply

स्वयं सहायता समूह में कितने सदस्य होते हैं | स्वयं सहायता समूह के लाभ, लोन की जानकारी | SHG के सदस्य केसे बनें | Self help groups in hindi | स्वयं सहायता समूह लोन आवेदन ऑनलाइन | समूह कैसे बनाएं 2023

SHG यानि Self Help Group कुछ समान आय वर्ग के ऐसे लोगो का एक समूह (group) होता है। जो किसी विशेष उदेश्य को पूरा करने के लिए बनाये जाते है, ये छोटे – छोटे समूह आपस में एक दूसरे की सहायता के लिए ही बनाये जाते है, समूह में सभी सदस्य अपनी मर्जी से शामिल हो सकते है। ये किसी अन्य के ऊपर निर्भर नही रहते है, बल्कि ये अपनी सहायता स्वयं (खुद) करते है। जैसा कि इसका नाम है, स्वयं सहायता यानि जो अपनी सहायता खुद करते है। इस प्रकार के समूह में 10 से 20 सदस्य होते है, ये सभी सदस्य स्वेछा से इसमें शामिल हो सकते है।

कोविड महामारी के दौरान जहाँ लाखो करोड़ो लोगो के रोजगार चले गए। ऐसे समय में भारत में स्वयं सहायत समूहों (self help group) द्वारा बड़ा ही सराहनीय कार्य किया गया। स्वरोजगार से जुड़े इन समूह से कोविड के दौरान बड़ी भूमिका निभाई। जहां शहरों से लाखों की संख्या में पलायन हुआ, लोग बेरोजगार हुए, वहीं shg groups ने कोरोना से लड़ने के लिए मास्क बनाना सेनेटिज़ेर वितरण व अन्य ऐसे कार्यो में भाग लिया जो कोविड के दौरान कारगर साबित हुए। विश्व के विभिन्न संस्थाओं द्वारा भी भारत में स्वयं सहायता समूहों के कोरोना काल के योगदान की सराहना की है। इस प्रकार हमें उम्मीद है कि आने वाले समय में भी हमारे देश के shg ऐसे ही कार्य करते रहेंगे।

SHG Full Form क्या है ?

SHG FULL FORM – SELP HELP GROUP (स्वयं सहायता समूह

Self help group (SHG) overview -2023

योजना का नाम स्वयं सहायता समूह। लोकेशन सम्पूर्ण भारत (ग्रामीण क्षेत्र)योजना की शुरुआत 2007आधिकारिक वेबसाइट https://nrlm.gov.in/स्वयं सहायता समूह का टोल फ्री नंबर1800-180-5999सदस्यों की संख्या10 से 20 सदस्य होने चाहिएSHG Full formSELP HELP GROUP (स्वयं सहायता समूह)

स्वयं सहायता समूह क्या है?

Self help group (shg) आपस में अपनापन रखने वाले एक समान अति सूक्ष्म व्यवसाय एवं उद्यम चलाने वाले गरीब लोगों का एक ऐसा समूह है, जो अपनी आमदनी से सुविधाजनक तरीके से कुछ बचत करते है। जमा इस छोटी-छोटी बचत को समूह के सम्मिलित फण्ड में शामिल करते रहते है, और उसे समूह के ही सदस्यों को उनकी जरुरत के हिसाब से (उत्पादक और उपभोग जरूरतों) समूह की शर्तो एवं तय ब्याज, अवधि पर दिए जाने के लिए आपस में सहमत होते है। यानि समूह के सदस्य अपनी आमदनी का कुछ हिस्सा प्रति माह समूह में जमा करते है। जमा राशि में से ही जरूरतमन्द सदस्य को समूह की शर्तो पर ऋण दिया जाता है।

rural women sit together and discuss progress of projects

Deendayal Antyodaya Yojana (National Urban Livelihoods Mission

  1. Introduction
  2. About the Scheme
  3. Coverage
  4. Aim
  5. Guiding principles
  6. Values
  7. Strategy
  8. Components


Introduction

  • Economic development and urbanisation are closely linked.
  • Cities in India are emerging as the country’s engines of economic growth, with a contribution of more than 60 per cent to GDP.
  • As per Census of India, 2011, India’s urban population is now 377 million which shows a 31 percent increase from 2001.
  • The Report on Conditions of Work and Promotion of Livelihoods in the Unorganized Sector by the National Commission on Enterprises in the Unorganized Sector brought out in August 2007 (NCEUS, 2007) reveals that in 2004-05, out of India’s total workforce, 92 percent worked in the informal economy.
  • The urban informal sector comprises a large part of the unorganized non-agriculture sector. Low levels of education and skill in the unorganized sector workers have resulted in their inability to access the opportunities offered by emerging markets.
  • This underscores the criticality of skills up-gradation for better livelihoods opportunities in urban areas.
  • Most of the poor are involved in informal sector activities where there is a constant threat of eviction, removal, confiscation of goods and almost non-existent social security cover.
  • Even when segments of the urban population are not income-poor, they face deprivation in terms of lack of access to sanitary living conditions and their well-being is hampered by discrimination, social exclusion, crime, and violence, insecurity of tenure, hazardous environmental conditions and lack of voice in governance.
  • The dimensions of urban poverty can be broadly divided into three categories:
    •  residential vulnerability (access to land, shelter, basic services, etc.);
    • social vulnerability (deprivations related to factors like gender, age and social stratification, lack of social protection, inadequate voice and participation in governance structures, etc.) and
    • occupational vulnerability (precarious livelihoods, dependence on informal sector for employment and earnings, lack of job security, poor working conditions, etc.).
  • These vulnerabilities are inter-related.
  • Amongst the urban poor, there are sections subject to greater vulnerability in terms of the above classification; these include women, children, and the aged, SCs, STs, minorities and differently-abled persons who deserve attention on a priority basis.
  • The Ministry of Housing and Urban Poverty Alleviation had been implementing a Centrally Sponsored Scheme Swarna Jayanti Shahari Rozgar Yojana (SJSRY) since 1997 which has been restructured as Deendayal Antyodaya Yojana – National Urban Livelihoods Mission since September, 2013.
  • The NULM has been under implementation w.e.f. September 24, 2013 in all district headquarters (irrespective of population) and all the cities with population of 1 lakh or more.


About DAY- NULM:

Coverage:

Under the scheme urban areas extends the coverage to all the 4041 statutory cities and towns, there by covering almost the entire urban population.

Aims:

  • To reduce poverty and vulnerability of the urban poor households by enabling them to access gainful self employment and skilled wage employment opportunities, resulting in an appreciable improvement in their livelihoods on a sustainable basis, through building strong grassroots level.
  • To provide the shelter equipped with essential services to the urban homeless in a phased manner.
  • To address the livelihood concern of the urban street vendors by facilitating with suitable space, institutional credit, and social security and skills to the urban street vendor for accessing emerging market opportunities.

Guiding Principles

  • The core belief of National Urban Livelihoods Mission (NULM) is that the poor are entrepreneurial and have innate desire to come out of poverty.
  • The challenge is to unleash their capabilities to generate meaningful and sustainable livelihoods.
  • The first step in this process is motivating the urban poor to form their own institutions.
  • They and their institutions need to be provided sufficient capacity so that they can manage the external environment, access finance, expand their skills, enterprises and assets.
  • This requires continuous and carefully designed handholding support. An external, dedicated and sensitive support structure, from the national level to the city and community levels, is required to induce social mobilisation, institution building and livelihood promotion.
  • NULM believes that any livelihood promotion programme can be scaled up in a time- bound manner only if driven by the poor and their institutions.
  • Such strong institutional platforms support the poor in building up their own human, social, financial, and other assets.
  • This in turn, enables them access to rights, entitlements, opportunities and services from the public and private sectors, while enhancing their solidarity, voice and bargaining power.
  • As per the Constitution (74thAmendment) Act, 1992, urban poverty alleviation is a legitimate function of the Urban Local Bodies (ULB).
  • Therefore, ULBs would need to undertake a lead role for all issues and programmes concerning the urban poor in cities/towns, including skills and livelihoods.
  • NULM would aim at universal coverage of the urban poor for skill development and credit facilities.
  • It will strive for skills training of the urban poor for market-based jobs and self- employment, facilitating easy access to credit.
  • Street vendors constitute an important segment of the urban population at the bottom of the pyramid.
  • Street vending provides a source of self-employment, and thus acts as a measure of urban poverty alleviation without major Government intervention.
  • They have a prominent place in the urban supply chain and are an integral part of the economic growth process within urban areas.
  • NULM would aim at facilitating access to suitable spaces, institutional credit, social security and skills to the urban street vendors for accessing emerging market opportunities.
  • Urban homeless persons who live without shelter or social security/ protection are the most vulnerable class, even while they contribute towards sustaining cities with their cheap labour.
  • Life on the streets involves surviving continuously at the edge, in a physically brutalized and challenging environment.
  • There is a need for appropriate policy intervention to address the challenges faced by homeless people, with regard to shelter, social housing and social protection.
  • Accordingly, NULM would aim at providing shelter equipped with essential services to the urban homeless in a phased manner.
  • NULM would place a very high emphasis on convergence with schemes/programmes of the relevant line Ministries/Departments and programmes of state governments dealing with skills, livelihoods, entrepreneurship development, health, education, social assistance, etc.
  • An alliance strategy will be sought with all concerned departments to promote skills training of rural-urban migrants as a bridge between the livelihoods of the rural and urban poor.
  • NULM would aim at partnership with the private sector in providing skill training, employment and operation of shelter for homeless.
  • It will strive for active participation of private and civil society sectors in providing shelter to the urban homeless, skill training and placement of the urban poor and also in facilitating technological, marketing and handholding support for the urban poor entrepreneurs who want to be self-employed and set up their own small businesses or manufacturing units.

Values

The mission will espouse the following values:

  • Ownership and productive involvement of the urban poor and their institutions in all processes
  • Transparency in programme design and implementation, including institution –
  • building and capacity strengthening
  • Accountability of government functionaries and the community
  • Partnerships with industry and other stakeholders and
  • Community self-reliance, self-dependence, self-help and mutual-help

Strategy

NULM will adopt the following strategy:

  • Building capacity of the urban poor, their institutions and the machinery involved in the implementation of livelihoods development and poverty alleviation programmes through handholding support
  • Enhancing and expanding existing livelihoods options of the urban poor
  • Building skills to enable access to growing market-based job opportunities offered by emerging urban economies
  • Training for and support to the establishment of micro-enterprises by the urban poor – self and group
  • Ensure availability and access for the urban homeless population to permanent 24- hour shelters including the basic infrastructural facilities like water supply, sanitation, safety and security
  • Cater to the needs of especially vulnerable segments of the urban homeless like the dependent children, aged, disabled, mentally ill, and recovering patients etc., by creating special sections within homeless shelters and provisioning special service linkages for them
  • To establish strong rights-based linkages with other programmes which cover the right of the urban homeless to food, healthcare, education, etc. and ensure access for homeless populations to various entitlements, including to social security pensions, PDS, ICDS, feeding programmes, drinking water, sanitation, identity, financial inclusion, school admission etc., and to affordable housing
  • To address livelihood concerns of the urban street vendors by facilitating access to suitable spaces, institutional credit, social security and skills to the urban street vendors for accessing emerging market opportunities.

Components

The scheme has two component one for urban India and other for rural India:

  1. The Urban component named as Deen Dayal Antyodaya Yojana will be implemented by the Ministry of Housing and Urban Poverty Alleviation.
  2. The rural component named as Deen Dayal Upadhyaya Grameen Kaushalya Yojana will be implemented by the Ministry of Rural Development

A SUCCESS STORY There are many success stories in every State but as an example of Bihar which was said to be lagging behind this story will inspire others to form SHG. In Bihar, a group of 20 women came together in Jitwarpur to form an SHG in 2007 with the support of an NGO. The women were from poor households and faced many challenges, including financial instability and lack of access to basic amenities. The SHG was formed with the objective of addressing these issues and empowering the women to improve their livelihoods.

Initially, the SHG started with small savings and credit activities, and over time, it grew in size and scope. The members were trained in various income-generating activities such as tailoring, embroidery, and organic farming. They received financial assistance and technical support from an NGO, which helped them to set up small-scale enterprises.

The SHG played a critical role in providing social support to its members. The women regularly held meetings to discuss their issues and offer support to each other. They also participated in awareness campaigns on health and hygiene, and advocated for the rights of women in their community.

Over time, this SHG became a powerful force for change in the village. The women’s economic status improved significantly, and they were able to provide better education and healthcare for their families. They also started taking leadership roles in the community and were able to influence decision-making on issues related to women’s rights and development.

The success of the Jitwarpur SHG inspired other women in the village to form similar groups, and today there are several SHGs in the village that are working towards improving the livelihoods of women and their families. These groups provide women with a platform to come together, share their experiences, and work towards a common goal. They help to build confidence, provide financial stability, and improve social status, ultimately leading to a more empowered and equitable society.

Apna Samaaj

Our mission at Apna Samaaj is to connect underprivileged communities in India with the resources and opportunities they need to thrive. We aim to create a comprehensive platform that provides access to welfare schemes from government bodies and NGOs, as well as private organizations, helping to bridge the gap between those in need and those who can provide support. Through our efforts, we strive to empower individuals and communities, drive economic growth, and make a positive impact on society.