Gram Swarojgar Yojona (SGSY) is an integrated scheme
for providing opportunities of self employment to the
rural poor. It was lunched on 1st April 1999. The main
objective of this programme is to bring the assisted
poor families above the poverty line by ensuring appreciable
sustained level of income over a period of time. The
assisted families may be individuals or groups (SHG).
However the emphasis is on group approach and also with
particular emphasis on group formation by women and
the weaker sections.
SGSY focuses on organization of the poor at grass root
level through a process of social mobilization for poverty
eradication. SGSY's approach to organize the poor stems
from the conviction that there is a tremendous potential
within the poor to help themselves and that the potential
can be harnessed by organizing them. Social mobilization
enables the poor to build their own organization in
which they participate fully and directly and take decision
on all issues concerning poverty eradication.
SGSY is being implemented by the District Rural Development
Cell of the Zilla Parishad with the active participation
of Panchayati Raj Institution, the banks, the line departments
and the non govt. organizations. Under the SGSY, generally
a self help group may consist of 10 to 20 persons. They
agree to save regularly and convert their savings into
a common fund known as the group corpus. The members
of the groups agree to use this common fund and such
other funds that they may receive as a group through
a common management. The group efforts also help them
to participate in various social and economic development
programmes of the government and to receive benefits
of various public goods and services targeted towards
the poor. SGSY is funded both by the central and the
state Governments in the ratio 75:25.
The main components of the scheme:-
i) Formation of SHGs of rural poor households.
ii) Capacity building training for managing the SHGs
and skill training to take up Micro Enterprises.
iii) Strengthening thrift & credit in SHGs by providing
revolving fund support.
iv) Credit linkage with banks/other financial institutions
& back ended subsidy for eligible SHGs/members to
take up Micro Enterprises.
v) Provision of support for marketing & infrastructure
creation to strengthen the forward & backward linkages.
vi) Technology inputs for micro enterprises
Purba Medinipur District is pioneer one in West Bengal
in implementation of SGSY programme, specially in formation
of Self Help Group (SHG) and its institutions, like
Sub-Cluster, Cluster & block level Federations covering
more than 2,20,000 families, 22356 SHGs have been formed
& 20257 SHGs have been passed 1st grading. 20232
SHGs have started economic activities with their savings,
bank credit and financial assistance by DRDC (Revolving
Fund). Total savings of all SHGs under this district
is Rs.7767.88 lakh as on 31.03.2012.
Out of 2535 Sansad and 223 GPs, in 2039 Sansad &
204 GP, Sub-Cluster & Clusters have already been
formed respectively as on January 2012. In five (5)
blocks, namely Tamluk, Panskura, Ramnagar-I, Bhagwanpur-I
& Patashpur-I Block Federation has been formed.
Tamluk Block Federation, Tamluk Block Mahila Bikash
Mahasangha, is one of the best not only in West Bengal
but also in India. A Cooperative Bank, Tamluk Block
Mahila Bikash Credit Cooperative Society Limited, which
was setup first in West Bengal on Pilot basis, is well
managed by the Federation.
SGSY has been restructured as National Rural Livelihood
Mission (NRLM) to implement it in a mission mode in
a phased manner for targeted and time bound delivery
of results. The main objectives of this programme:-
1. Universal social mobilization through formation of
SHGs. This will ensure that at least one member of each
rural BPL household, preferably a woman member of the
household, is brought under the Self Help Group (SHG)
2. Form strong Peoples Institutions, by setting up of
setting up of federations of SHGs from village panchayat
to district levels. These federations will not only
provide voice and strength to its members, but will
also handhold the SHGs through providing all kinds of
3. Universal financial inclusion will be furthered through
linking the SHGs, banks and other Financial Institutions
for securing credit.
4. Focus on ensuring skilled wage employment for rural
youth through placement linked skill development projects.
The two major strategies under NRLM are that –
1) NRLM will be a demand driven programme & the
states will formulate their own poverty reduction action
plans under it based on their past experience, resources
and skills base.
2) NRLM will provide for a professional support structure
for programme implementation at all levels from national
to sub district level in different strings.
Our District, Purba Medinipur has been selected as one
of eight NRLP district in West Bengal under NRLM and
four (4) Development Blocks, namely, Tamluk, Nandigram-I,
Khejuri-II & Ramnagar-I has been selected as intensive
blocks in 1st phase. In the next three year all the
remaining blocks will become under NRLM.