Formation of Self Help Groups (SHGs) and their federations i.e. Area and City Level Federations (CLFs), is the backbone of DAY-NULM. These structures provide support to the poor women in meeting their social and financial needs. So far 3,45,450 SHGs comprising of more than 34 lakh women have been formed and 2,35,712 SHGs have been assisted with Revolving Fund under the NULM.
Conscious of the issues of slums and poverty, the Ministry of Housing and Urban Affairs has channelized its efforts in promoting equitable growth in urban areas through Deendayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM). The Mission addresses major social challenges of urbanization & economic growth such as urban poverty, unemployment and social exclusion through five key components: Social Mobilization and Institution Development (SM&ID), Employment through Skills Training & Placement (EST&P), Self-Employment Programme (SEP), Support to Urban Street Vendors (SUSV) and Scheme of Shelter for Urban Homeless (SUH). During the year: -
Skill training and placement under the Mission is one of the vital cogs of Skill India Mission. So far, 8,89,844 persons have been trained & certified, and 4,64,178 candidates have been placed wage as well as self-employment. In order to improve skill training programmes based on direct feedback by the candidates through SMS/online mode, a Personalized After Training Rapid Assessment System (PARAS) has been introduced.
City Livelihoods Centres (CLC) provide an interface between service providers, such as plumbers, electricians, carpenters, tailors, tutors etc., and service seekers i.e. households and local institutions. More than 350 CLCs are functioning, acting as aggregators for local urban services. CLCs also provide marketing support to SHGs to improve sales of their products. To promote self-employment, interest subvention is provided on bank loans over and above 7% ROI. So far Rs 16,160 crores has been sanctioned for 8,36,869 loan accounts. This comprises of 3,63,487 Individual and Group enterprises loans and 4,73,382 as SHG credit linkage accounts.
The Street Vendors Act, enacted in 2014, is an inclusive initiative aimed at protecting the livelihoods of street vendors, giving them representation in a decision-making body that regulates conditions related to vending, and most importantly, seeks to include them within the social security safety nets. The SUSV component of DAY-NULM is aimed at bringing formal recognition to street vendors, in line with the spirit of the Act. The survey for identification of street vendors has been completed in 2,322 cities; 16,89,564 street vendors have been identified and 8,18,095 vendors have been given ID cards.
Homeless persons are a particularly vulnerable section of the urban poor population, often facing extreme living conditions, malnutrition and other health issues, as well as exclusion from society. The SUH component aims to provide shelters equipped with basic amenities to provide dignified living conditions and connect them to available safety nets. The SUH guidelines make it mandatory for local municipal bodies to conduct systematic third-party surveys to assess accurately the need for shelters at locations close to places of natural congregation. 1,776 shelters for urban homeless have been sanctioned so far, to create capacity for 89,000 urban homeless persons, and 1,084 shelters are currently functional.
New Initiatives During the Year
· Portal for Affordable Credit and Interest subvention Access (PAiSA), a centralized electronic platform was launched for processing interest subvention on bank loans on DBT mode to the beneficiaries. Subvention is now processed on a monthly basis, as against quarterly mode in the manual system, with SMS intimation to the beneficiary. To begin with, 28 States and 30 Scheduled Commercial Banks are onboarded on the portal. Going forward, all participating RRBs and Cooperatives under the Mission will be onboarded during the current financial year.
· MoHUA is organizing a DAY-NULM “Pakhwada” a festival of urban prosperity - ‘Shehri Samridhi Utsav’ from 1st -15th February 2019, under which national, state and city level events will be held during the fortnight, focusing on urban livelihoods. At the city level some of the events are strengthening safety net for the urban poor, rally of SHGs to spread awareness about DAY-NULM, drive to form SHGs of informal sanitation workers, Shehri Sahbhagita Manch (ULB – ALF meetings, adoption of shelters by colleges, loan camps by banks, drive to provide Identity Cards to street vendors and Job melas are planned. At the state level street food festival and exhibition of SHG products are planned. Swachhta Excellence Awards, Exhibition of SHG products, Street Food Festival and Industry Consultation to Strengthen Skill Development are planned at the national level.
DAY-NULM: - Sanchita’s Readymade Garments Business in Assam
Sanchita and her family of four had a meagre monthly income of Rs 3,000, with her husband being the only bread-earner. To increase family income Sanchita started to doorstep selling of readymade garments. However, her business was constrained due to lack of capital. Sanchita received subsidized loan of Rs 2 lakh from DAY-NULM with which she expanded her business. She is now able to earn net monthly profit of Rs 9,000. She now runs her business from home, having engaged more women to assist here in the venture. She has been successful in bringing more happiness for her family.
Preeti Sabat from Odisha - Rejection to Acceptance, Carving a Path:-Carving a path amidst a disturbed marital life is always a challenge and for a woman divorced at an early age, demands real grit and tenacity to come out of this kind of trauma. Preeti Sabat, 34, belonging Nabarangpur district Odisha, has one daughter. However, being divorced she had no income support. She started tailoring along with a small grocery shop in her house, from which she was earning monthly paltry income of Rs. 3, 000 to Rs. 4, 000. Subsequently she came to know about DAY-NULM and became a member of SHG in the Nabarangpur Municipality. The SHG bank linkage helped here in getting loan of Rs 1 lakh which she was able to expand her business. She now earns Rs 10,000 per month. Preeti is glad that she is now economically independent and self-reliant.
Jairam Oraon, Ranchi- Skill Training for Automobile Repair
Jairam Oraon of Morabadi, Ranchi, belonging to a poor and marginalised family, lost his father at very young age. His family of 6 members had to live a tough life, and he had to quit school after matriculation so as to make a living. He was unable to get a job without adequate qualification or any technical know-how.
Through an advertisement on a public hoarding, he came to know about skilling provided under DAY-NULM. He contacted the DAY-NULM office and was counselled based on his interest to opt for Automotive Repair Course. He took the training programme and post completion of the course, he was placed at Maruti Suzuki Ltd. He was offered a monthly salary of Rs.7,500 in addition to other benefits. Today he is happy managing his family and expresses his gratitude towards DAY-NULM. Jairam says that ‘Such efforts of government are improving the skills of youth and adding value to their lives’.
Baljeet Kaur from Chandigarh: Differently-abled girl gets employment under DAY-NULM
Baljeet Kaur a resilient young girl from Chandigarh did not let her hearing impairment come in the way of her grit and determination to chase her dreams.
Her dream was to work in the hotel industry, but her family’s weak economic condition was a constraint in taking up a course in hotel management. She kept her dreams alive by constantly looking out for opportunities. Then, she came to know of ‘DAY-NULM’ as part of Skill India Mission.
She undertook the course in ‘Tourism & Hospitality’ under Chandigarh ULB and successfully completed the course. She got an opportunity to serve in a Htels at Chandigarh.
Today Baljeet earns about Rs 9,000 per month. She is a proud daughter of her parents and a successful employee of Lemon Tree Chandigarh.
She is grateful to DAY-NULM for providing her the opportunity to fulfil her dreams.