14

Sa-Dhan Patrika

Volume 6

Issue 2

·

Gram Vikas Mandal

Sectorwise loan disbursment

-

Has been working since the

last 6 months

-

Must have a bank account

On Farm

-

Must have a Hisabnis

Livestock

Activities

-

Will encourage farmers for

16%

regular savings

23%

-

Should not have overdues

with Dhruva for any other loan

-

Should have written rules and

Water

Non Farm

regulations for credit

Resource

Activities

-

Should have a recovery rate

Dev.

32%

of above 85%

-

Must have  above 70%  of

29%

Ayojan  Samiti  members

present in meetings

-

Ensures that there is a village-

The effect of credit schemes for micro

level milk collection centre

linked to a dairy which makes

enterprises could be seen in village

available all services related

Motipalsan. The villagers migrate to the

to livestock development

nearby city to work in the surrounding

farms. Sixteen of these villagers availed

·

Member

of the loan for micro enterprises from

-

Is a participant of CTDP

Dhruva. These 16 trade in the weekly

-

Has savings in GVM (minimum

markets in the nearby villages. As this

balance Rs 500)

trading  activity  provides  them

-

Has  four  shares  of  the

livelihood for 4-5 days in a week, they

cooperative

-

Attends meetings regularly

do not need to migrate.

-

Will deposit advance with

application.

Community-based Delivery Model

-

Accepts that advance will be

considered as repayment

SVY has been tailored to the needs of

-

Agrees not to sell the cow till

the  people.  The  participants  are

loan is repaid

members of the village level Gram Vikas

-

Has water, fodder available

Mandals (GVM), through which they

-

Will get two guarantors who

access various credit products of

will repay in case of default

Dhruva's SVY programme. Hence they

can access SVY services in their villages.

All the schemes are tailored to suit the

A number of credit schemes have been

needs of the people. Before launching a

developed in consultation with the

scheme, information is collected on the

Ayojan Samitis. On developing a

cost involved in the activity, the market

scheme,

Dhruva

disseminates

for the output, the income flow etc. Based

information through the Ayojan Samiti,

on the data collected and the target

which is the planning, and decision-

clients, the scheme is designed with

making body of the GVM. Each Ayojan

details on the eligibility criteria, amount of

Samiti member is a representative of a

loan, amount of advance to be given

programme participants' primary group

with  application,  service  charges,

consisting of five to 10 farmer families.

repayment period, instalment amount

Hence the Ayojan Samiti member is

etc.

responsible for conveying all information

to their respective groups.

Credit given in cash might be diverted

for social or consumption needs. Given

Dhruva

the remoteness of the area, the livelihood

inputs are difficult for individual families

to source and even if sourced, in addition

to being expensive are often not quality

Ayojan Samiti

products. Hence as an additional

[Decision-making body of Gram Vikas

service, credit is provided in kind along

mandal]

with technical support for proper utilisation

Hence as an

of the loan. Insurance cover for certain

additional

assets is also provided.

service, credit is

Programme participants primary group

provided in kind

along with

technical support

for proper

Individual

utilisation of the

loan.