What is DAY-NRLM?
The Deendayal Antyodaya Yojana-National Rural Livelihood Mission (DAY-NRLM) is a programme for social and economic empowerment of women through community institutions of the poor. It touches the lives of over 6.47 crore women who have, to date, formed 59 lakh Self Help Groups (SHGs). In the last five years, over three crores of these women have been sanctioned Rs 2.12 lakh crore from banks.
This rural livelihood mission, through self-help groups, is transforming the lives of women.
What are outcomes from DAY-NRLM?
DAY-NRLM has holistic impact in rural areas from social, economic to political landscape its impact is transformative.
- Vibrant community institutions of the poor: Intensive processes of developing social capital under the DAY-NRLM, women’s SHGs and their federations have emerged as vibrant community institutions of the poor.
- Second, the community resource persons (CRPs) are the biggest strength of this movement. Over 2.5 lakh women CRPs enabling the last-mile delivery of livelihoods extension and financial services to rural poor households.
- Opportunities for skilling and diversification of livelihoods are being provided through the skills programmes of the ministry of rural development and community-training institutions.
- Credit linkage for these women SHGs are a priority, local member of SHG as Business Correspondent Agents (BCAs) has generated confidence for the DAY-NRLM system. The training of bank managers and efforts at financial literacy and skills also helped.
- Increasing role of women in grassroot democracy: The women SHGs are involved in Gram Sabha meetings and in developing gram panchayat development plans. Over one lakh SHG women have been trained to conduct social audit of programs to improve accountability to the community.
- Empowered to hold local functionaries accountable: The DAY-NRLM women played a very important role in building a movement for better public services at the local level. This was seen most during the Gram Swaraj Abhiyan in 65,000 villages to guarantee seven very basic services for the deprived and in the POSHAN Abhiyan.
- financial resources from all ongoing programmes in rural areas are now focused on villages with social capital of the DAY-NRLM women SHGs on a priority basis.
How does social capital of SHG is translating into Sustained economic activity?
The efforts at promoting innovative interventions in farm and non-farm livelihoods broke new grounds in leveraging social capital of the SHGs for sustained economic activity.
- The setting up of 11,426 custom hiring centers and 760 rural transport centers, managed by the SHGs, is an indication of the diversity of livelihood development and opportunities.
- Many groups make money through organic manure, managing restaurants and better market for products through Saras Melas and e-marketing opportunities.
- Combining credit supply with livelihoods promotion has helped channelize credit from consumption to building livelihoods assets, leading to an increase in income.
- 60 lakh women from SHGs are practicing sustainable agriculture, using natural means of crop protection and soil nutrition management.
What is impact on rural women entrepreneurs?
- The poor women have come out of chronic poverty, and are now poised for higher order credit support.
- Now, nano enterprises of SHG women have to be formalized to develop them into micro and small enterprises with a proper value chain, and link them to markets.
- Pro-poor public welfare programmes have improved the asset base of many women SHGs.
- The DAY-NRLM programme and its women now have the social capital and the ability to make transformational changes in lives and livelihoods. Social capital is not only good social justice, it is also the best foundation for a shared sustained economic progress.