2015-162015-16sird.assam.gov.in/sites/default/files/Annual Report_2015...SIRD Assam Annual ReportAnnual Report 2015-162015-16 STATE INSTITUTE OF RURAL DEVELOPMENT, ASSAM G. S. ROAD,

SIRD Assam

Annual ReportAnnual Report2015-162015-16

STATE INSTITUTE OF RURAL DEVELOPMENT, ASSAMG. S. ROAD, KHANAPARA, GUWAHATI – 22

e.mail: [email protected] / 919954497674

STATE INSTITUTE OF RURAL DEVELOPMENT, ASSAMG. S. ROAD, KHANAPARA, GUWAHATI – 22

e.mail: [email protected] / 919954497674

Annual ReportState Institute of Rural Development

2015 - 16

CONTENT1. An overview of the training, research and action research activities

2. Decentralised approach in training

3. Progress and performance of the capacity building• Institutionalising the participatory planning process.• Training programmes on women empowerment for elected

representatives of PRIs• Training programmes on computer literacy.• Training programmes on Other Source of Revenue and Resource

Mobilisation.• Training programmes on PLANPLUS, Maintenance of accounts,

softwares under Panchayat Enterprise Suit.• Training programmes under MGNREGA.• Training programmes under IAY• Training programmes under NRLM• Training courses on rural development programmes under

Networking Programmes of NIRD & PR

4. Creating competition among the panchayats by identifying and awarding best performing panchayats.

1

4

88

11

1313

14

15171818

20

5. Awareness programmes

6. Skill development training programmes for employment generation.

7. Basics of computer application for students / youth

8. Research studies taken up

9. Tie up with UNICEF

10. Associate organizations for outsourcing

11. Employment generation programme• Chief Minister’s Jeevan Jyoti Swaniojan Yojana• Impact of Chief Minister’s Jeevan Jyoti Swaniojan Yojana• Skill development training programmes of SIRD, Assam – some

new initiatives• Some case studies of assisted groups / individuals.• Innovative activities under Chief Minister’s Jeevan Jyoti

Swaniojan Yojana

12. Joint effort with Oil India Ltd.

21

22

27

31

34

35

36373945

4660

64

SIPRD ANNUAL REPORT 2015-166

AN OVERVIEW OF THE TRAINING, RESEARCH AND ACTION RESEARCH ACTIVITIES OF SIRD, ASSAM IN THE BROAD FIELD OF RURAL DEVELOPMENT AND PANCHAYATI RAJ - 2015 – 2016 The State Institute of Rural Development, Assam is the apex body in the broad field of training and research in rural development. The institute was registered under Societies registration Act 1860 during April’ 1998 and thereafter administrative and financial autonomy has been conferred by the government.

Vision Of The Institute

Mission Of The Institute - Thrust on Mandatory courses

Concerted efforts are on to make SIRD, Assam a Centre par Excellence for training and research in the broad field of rural development.

Since 1998 the institute has been making relentless effort to diversify its training and research activities in the broad field of rural development. Training programmes of the institute has increased manifold. With the increase in the number of courses, the institute has made sincere effort to improve and maintain the qualitative aspects of the training programmes. Number of mandatory courses conducted per

year have been increasing year after year. Most heartening aspects of the progress is that Line Departments has reposed confidence in the State Institute of Rural Development, Assam so far as qualitative aspects of the training programmes for the officials are concerned. A large number of officials belonging to Line Departments have also undergone training in the institute.

SIPRD ANNUAL REPORT 2015-16 1

The institute made collaborative effort with various organizations, institutes and experts to diversify its training programmes for the officials as well as non officials.

With the above background, functions and objectives of the institute can be summed as follows:

1. To organize training courses on various operational details, planning, implementation procedure, appropriate technology, cost effective methods and techniques, monitoring for officials and non officials in the implementation of various rural development programmes.

2. To organize training courses for the elected representatives of panchayats on subject specific rounds.

3. To organize training courses to build the capacity of the NGOs, CBOs, rural Facilitators, Animators etc.

Mandate

The SIRD, Assam has taken up a planned approach towards building the capacity of the elected representatives of panchayats in the light of the devolution of functions, functionaries and funds to Panchayati Raj Institutions in the state.


4. Capacity building through skill oriented training programmes on management development, technology transfer, activity specific skill upgradation etc. for self employment in rural areas by taking up economically viable activities.

5. To conduct seminars, workshops for various issues on education, health, sanitation, drinking water, environment, social justice, women empowerment, social mobilization etc. for officials and non officials.

Aims and objectives of the training and other activities of the institute• To conduct regular courses in the broad field

of panchayati raj & rural development for the officials of the department, panchayats and the line departments.

• To organize subject specific rounds of training programmes for the elected representatives of PRIs, VCDCs, VDCs and members of Autonomous Councils.

• To organize training on different subjects for representatives of NGOs, CBOs, social workers, animators, facilitators and other stakeholders.

• To conduct special courses on IT, e-panchayati raj and application of other softwares and tools.

• To conduct computer literacy programmes for the elected representatives of PRIs.

• To organize skill development training programmes for youth, farmers, weavers, artisans etc. for creating self employment avenues and also for livelihood promotion.

• To organize awareness programmes in the field for participatory development.

• To under take Research, action research and studies in the broad field of panchayati raj and rural development.

• To implement special projects for providing self employment.

6. To organize awareness campaign at the field about various socio economic problems and government interventions.

7. To undertake research and action research works to try out new initiatives as well as to create demonstration effect.

8. To implement pilot projects for development of micro enterprises and to create avenues for employment generation.


Training Network of SIRD, Assam1. SIRD, HQs : The SIRD has already established a network of training centres in the state to organise

the training programmes in a decentralised manner. The institute has developed two full-fledged campus in Guwahati one at Khanapara and another at Kahikuchi. Two campuses at the HQs can organise 10 training programmes simultaneously covering atleast 500 participants.

2. Resource Centre in IT & Skill Development : Resource Centre in IT & Skill Development has been functioning in the second campus of SIRD to organise diversified training programmes covering different stakeholders. Special thrust has been given on organising training on skill development to promote self employment oriented activities / livelihood promotion. All IT related training programmes are also organised for the state in this centre.

3. Extension Training Centres : 12 Extension Training Centres have been running under SIRD in different zones of the state. Each centre covers two to three districts. Efforts are on to develop the infrastructural facilities of these centres. Each Extension Training Centre can conduct two training programmes simultaneously covering 100 participants.

The SIRD, HQ with two campuses in Guwahati and also through its District and Block Level Training Centres will be able to conduct large number of training programmes around the year for different clientele groups.

DECENTRALISED APPROACH IN TRAINING


4. Satellite based training network : Satellite Hub has been functioning in the Resource Centre in IT & Skill Development of SIRD in Kahikuchi campus. 16 Satellite Interactive Terminals have been functioning mostly in the Extension Training Centre of the SIRD. Training has become more accessible to the grass root level functionaries and other stakeholders through this satellite based training system of SIRD.

5. Extension Training cum Resource Centres : 7 Extension Training cum Resource Centres have been functioning in different places for organising training programmes at the grass root level and also to conduct awareness programmes in the field. All these centres have been set up under BRGF.

6. District Panchayat Resource Centres : 10 District Panchayat Resource Centres are being established under RGPSA in 10 districts of the state wherein SIRD do not have any Extension Training Centres. After completion of the construction works of these centres the SIRD will have better outreach for organizing training programmes.


SIRD, HQs KhanaparaExtension Training Centres

District Panchayat Resource Centres (Coming up)

Extension Training cum Resource Centres set up under BRGF

KAHIKUCHI ABHAYAPUR HAILAKANDI NALBARI

JORHAT SARAIGHAT AMONI DIBRUGARH

JOYSAGAR LAKHIMPUR BISWANATH CHARIALI KAJALGAON

DHUBRI DARRANG

GOALPARA MORIGAON

BARPETA DHEMAJI

GOLAGHAT CACHAR

KARIMGANJ TINSUKIA

SILCHAR BALIJANA

DHEMAJI KOKRAJHAR

BARPETA DIPHU

KAPILI


Women Empowerment Production cum Skill Development Training Centres on Handloom

Manpower of SIRD including manpower under RGPSA

Faculty / Staff Strength

SIRD Head Office

Teaching staff 27 (Twenty seven)

Supporting staff 26 (twenty six)

Total 53 (fifty three)

Extension CentresTeaching staff 5 (five)

Supporting staff 5 (five)

Total 10 X 12 centres = 120

RGSATeaching staff 25 (twenty five)

Supporting staff 198 (one hundred ninety eight)

KAHIKUCHI AMONI

BALIJALA GOHPUR

KAJALGAON NORTH LAKHIMPUR

CHANGSARI DIBRUGARH

TETELIA JORHAT


PROGRESS AND PERFORMANCE OF CAPACITY BUILDING AND TRAININGThe SIRD has been making relentless effort for building the capacity of the different stakeholders in planning, implementation and monitoring of different development programmes being implemented in the rural areas. Every year, the SIRD organises a large number training courses covering different clientele groups. They are officials working at State, District, Block and Gram Panchayat level under the Department of Panchayat & Rural

Development, officials of Line Departments, elected representatives of Panchayats belonging to three tiers, representatives from different institutes, organisations, NGOs, CBOs. Self employment oriented training programmes on skill and management development for youth, entrepreneurs, farmers, women, etc.

Besides training programmes the institute organises various programmes on social mobilisation for awareness building in the field. Following is the progress and performance made by the institute for capacity building and training during year 2015 – 2016:

Institutionalising the Participatory Planning Process:The SIRD, Assam has made elaborate arrangement to institutionalise the participatory planning process in view of the Government of India’s devolution of

fund under 14th Finance Commission Grant to Gaon Panchayats directly. Entire approaches adopted by the institute for the purpose is as follows:

The Gaon Panchayat planning campaign in Assam has been named as ‘Amar Gaon Aamar Achoni’ (My village my Plan). Objective of the planning campaign is to institutionalise a participatory planning process at the grass root level by involving different stakeholders through different Participatory Rural Appraisal (PRA) exercises to capture the felt needs and requirements of the rural masses before presenting them in the Ward


Sabhas and Gram Sabhas. Assam is one of the states in the country that came up first with the state specific guidelines for preparing the Gaon Panchayat development Plan. The process and steps proposed in the guidelines were tested and validated at the field level with Gram Panchayat members, frontline workers, SHGs and villagers. Every step included in the guidelines were finalised after discussing with the different stakeholders in the field. These workshops and joint field exercises helped the Faculty Members and other trainers to know the entire framework of the guidelines and subsequently the sequence of events and process to be adopted in preparation of Gram Panchayat Development Plan. To roll out the process in the field about 100 trainers were developed including SIRD & ETCs Faculties, Academicians, NGOs, DPMUs. The Assam GPDP guidelines consist of the chapters on Introduction of 14th FC; Resource envelope; Environment generation; Situational analysis participatory planning; Projectization, finalization of GP Development Plan; Technical and administrative approval of GPDP; Post plan arrangement and system support; Monitoring, evaluation, learning and documentation and Capacity building. Draft guidelines were also discussed with the Consultants of MoPR and other National Level Resource Persons before giving the final shape.

UNICEF’s involvement and support from the beginning in this process gave an extra impetus. At the same time initiation of State Resource Centre

on Women Children and Panchayats at SIRD with the support of UNICEF bestowed an additional momentum in the process. All about Gaon Panchayat Development Plan in Assam started with the KILA workshop held in July 2015. Followed by that series of meetings and consultative workshops were conducted by SIRD with the support of UNICEF and National Resource Persons. Wide range of participants from SIRD &

ETCs faculties, NRLM officials, Resource Persons, NGOs, Academicians, etc. participated in these workshops. In association of P&RDD and UNICEF; SIRD constituted a state cell for undertaking all the preparatory works required for rolling out the GPDP process and to ensure regular follow-up with different stakeholders.

In accordance with the State Guidelines, Planning Manual on Gaon Panchayat Development Plan (GPDP) was prepared both in English and Assamese languages. Every step in the preparation of the plan was tested in the field before incorporating in the manual. A series of field exercises were conducted


before giving the final shape to the planning manual. Various steps included in the planning manual are: 1) Panchayat committee sitting to understand and initiate the GPDP process; 2) Initial Gaon Sabha and Ward Sabhas for environment and awareness generation; 3) Training & Capacity building of GP Resource Team & Working Groups; 4) Situation analysis and preparation of Draft Status Report (DSR); 5) Gaon Panchayat sitting with resource team and working groups to review the DSR; 6) Gaon Sabha for Visioning and prioritization and approval of DSR; 7) Draft plan preparation; Project preparation & Panchayat committee meeting; 8) Plan approval by Gram Sabha; 9) Final GP Development Plan document; 10) Implementation of project & GP Plan and 11) Project monitoring

mechanism. The approval of GP Development Plan will be accorded in the Gaon Sabha and the block level technical team under the leadership of BDO along with technical persons from different line departments will provide support in preparation of Technical Proposal and give Sanction.

From the Government of Assam notifications were issued on formation of State Level Steering Committee, formation of Project Implementation and Review Committee at State, District and Block, and formation of GP Resource Team and Working Groups. In pursuance of the notification from the Commissioner, P&RD to all the GP Presidents are total of 2201 GP level Resource team with 13206 members were formed. 3 days training of resource team members on the various steps and process of GPDP have completed. In pursuance of the same notification on formation of 4 working groups in every GP, about 8804 working groups have been formed with 70432 members in the state. Separate training modules covering participatory planning exercises have been prepared for these Resource Teams and Working Groups. Accordingly the Gram Panchayats undertook the planning process.


Training programmes on women empowerment for elected representatives of PRIsThe 73rd Constitutional Amendment and the reservation policy for women undoubtedly have set a positive trend. Women in Assam in large number have been able to create and occupy space in the public sphere. Despite many constraints and limitations, women have proved that, given an opportunity, they are capable of becoming equal partners in the development process. 50% of the seats have been reserved for women in all the three tiers of panchayats in the state.

Most of the women elected representatives are aware about the reservation of seats for women, election procedure, duration of their office etc. this is mainly because of the process they passed through before, during and after the election process. Chairpersons of Zilla Parishad and Block Panchayats have gone through nitty-gritties of their election process, term of office and the procedure for their removal. This can be attributed to their eagerness to keep their position safe in the status they have acquired.

Most of the women elected representatives are aware about the major rural development programmes, now being implemented as they are now involved in their implementation process. They are well convergent with the major rural development programmes being implemented by DRDAs and other line departments.

The SIRD organised large number of courses covering large number of women elected representatives of PRIs in a decentralised manner through Extension Centres also. The objectives of the training programmes were to their role in the development process, functions, responsibilities, powers, need for active participation in planning and implementation, provide inputs, group work. In the training programmes various topics on drinking water, sanitation, hygiene, health, education, child rights, child growth, nutrition etc. have also been discussed. During the year 2015 – 2016, the institute organised 109 courses covering 4701 participants in a decentralised manner through the Extension Training Centres.


Training on Sanitation and Swach Bharat: Ministry of Panchayati Raj, Government of India has given thrust on organising training programmes on sanitation and swach bharat for the different stakeholders. The SIRD organised a ToT programmes for the Faculties, Resource Persons, Master Trainers and developed modules and materials for organising the training programmes on sanitation in the field. The institute has also translated the Active

Series developed by the Ministry of Panchayati Raj on sanitation. Subsequently, the SIRD organised 202 courses of training programmes on sanitation and swach bharat covering 9802 persons belonging to elected representatives of PRIs, Asha Workers, Health Workers, volunteers, rural people. The institute has also taken help from PHE Department for Resource Persons support.


Training programmes on Computer Literacy for Elected Representatives of PRIs

Training programmes on Other Source of Revenue and Resource Mobilisation by Panchayats

Considering the importance of use of computer in day to day office works, the institute has given special thrust to literate the elected representatives of PRIs and functionaries of GPs on fundamentals of computer application. The computer literacy programmes have been organised in a decentralised manner in the Gram Panchayats by using Laptops

Though the scenario of mobilising own resources by Gram Panchayats in Assam leaves much to be desired some of the panchayats have been making relentless effort to mobilise their own resources through different sources. Some of the constraints in resource mobilisation by panchayats are collection of unproductive taxes, narrow tax base, unpopularity of certain taxes among the people,

through the Extension Training Centres of the institute. The courses cover the basic of computer application, work in word, excel, internet surfing, etc. The courses are of 6 days duration. During the year, the institute organised 215 courses covering 4271 elected representatives of PRIs.

absent of supporting staff, irregular assessment of taxes, limited capacity for paying taxes by villagers in some villages etc. Constant efforts are on to build the capacity of the elected representatives of panchayats and other functionaries on resource mobilisation. As a result, some of the Gram Panchayats have made good effort to create the required base for resource mobilisation. On the light


of the discussion held in the writeshop organised at NIRD & PR, Hyderabad, the SIRD, Assam developed modules, materials for organising the training programmes for Presidents and Secretaries of Gram Panchayats on Other Source of Revenue and

The SIRD has set up Resource Centre in IT & Skill Development in Kahikuchi. Besides this centre, 12 computer training centres have been functioning in the Extension Training Centres of SIRD. Another computer lab has also been functioning in the Khanapara HQs of SIRD. All these 14 computer training centres organise training programmes on computer application in office management particularly use of softwares and tools like PLANPLUS, PRIASOFT, MIS etc. The institute through its ETCs has also been organising computer literacy training programmes for the elected representatives and grass root level functionaries of PRIs. Unemployed youth have also been imparted training in these centres to facilitate computer learning at the grass root level. Faculty Members have been deputed to organise the training programmes in the Gram Panchayat offices itself so that more elected representatives can be covered. Training programmes are conducted regularly for various softwares, tools, applied in the broad field of rural development and panchayati

Training programmes on preparation of plans, maintenance of accounts, softwares under Panchayat Enterprise Suit

raj. Some of the tools applied for management of the Panchayati Raj Institutions are as follows:– Local Government Director.– Training Management Portal.– Service Plus.– PRIASoft.– Area Profiler.– National Panchayat Portal.– PlanPlus.– Actionsoft.– National Asset Directory.– Social audit & Management.

Besides the above training, the institute has organised training programmes on different softwares developed under Panchayat Enterprise Suit for the District Programme Manager, Addl. District Programme Manager, Computer Operators. To organise the training programmes in a meaningful way, the institute took Resource Persons support from NIC, New Delhi.

Resource Mobilisation by panchayats. The SIRD and its Extension Centres have been organising training programmes on the subject for the Presidents and Secretaries of Gram Panchayats.


The SIRD, Assam has been regularly organizing training courses on various aspects relating to MG National Rural Employment Guarantee Act. It has organized the courses on different aspects of planning, implementation and monitoring of MGNREGA for the officials and elected representatives belonging to different categories. The institute has covered all the nodal officials working at various levels and responsible for implementation of the programme under the courses.

Demand driven programme: Training programmes under MGNREGA have become demand driven. Requests have come from officials working at different levels for undergoing different courses to go deep into the technical and managerial aspects of the Act and the permissible works to be implemented. The SIRD has been organizing the courses as per those requests.

Resource persons: Besides SIRD’s own Faculty Members, the institute has formed a panel of Resource Persons drawn from various institutes, universities and technical departments to take sessions on planning and implementation of permissible activities under NREGA.

Separate courses on new permissible works: Considering the importance of meaningful planning, designing and implementation of permissible works, the institute has been organizing separate courses on the new permissible works under MGNREGA. This has given an exposure to the departmental officials working at different levels to various permissible works that can be taken up

Training programmes under MGNREGA

in an integrated manner for sustainable growth of agriculture as well as related activities.

Training on MIS, e-fms, mms etc.: Considering the importance of monitoring and tracking of the schemes taken up under MGNREGA through MIS, e-fms, mms etc. the institute has been regularly organising separate courses for functionaries working at different levels on MIS, e-fms, mms etc. To organise the training in a meaningful way, the institute hired the Resource Persons from NIC, New Delhi and Resource Persons from NIC directly taking sessions in the training programmes. Major portion of the training were practical orientation through online demonstration.

Reading material on NREGA: The institute has made reading materials in various local languages on NREGA. NREGA guidelines have been translated into Assamese and other local languages. Even the third edition of the guidelines have recently been translated into Assamese for easy understanding of the officials and elected representatives working at the grass root level.


Separate book on permissible works: The institute prepared a book exclusively on new permissible works covering various aspects like selection of sites, holistic plan preparation, design and dimension, estimates etc. help from technical experts has been taken.

Combined courses for officials and non officials: Considering the important role to be played by Gram Panchayats and Gram Sabhas in the planning, implementation and social audit under MGNREGA, the SIRD has been organizing combined training programmes for Chairpersons and Secretaries of Gram Panchayats. Thrust of these programmes is on selection and planning for permissible works involving Gram Sabhas.

Training on MGNREGA

Types of training• Training on planning and management of

permissible works including convergence.• Roles and responsibilities of different

stakeholders in planning and management of MGNREGA.

• Planning and preparation of labour budget.• Training on design, dimension and estimate

preparation.• Training on maintenance of accounts under

MGNREGA.• Training on transparency and social audit.• Training on MIS, e-Fms, MMS etc.

Stakeholders• Officials working at different levels.• Elected representatives of PRIs belonging to

three tiers.• Engineers working at different levels

including accredited engineers.• Gram Rozgar Sahayaks, Technical Assistants

and accounts assistants engaged on contractual basis.

• Data entry operators / MIS Managers.• Rural volunteers for social audit.

Training materials prepared under MGNREGA : The institute prepared subject specific training materials. Following materials have been prepared for MGNREGA.

• Guidelines (4th Edition) in Assamese. • Booklets in local languages on basic features

of NREGA.


Indira Awaas Yojana (IAY) a flagship scheme of the Ministry of Rural Development has since inception been providing assistance to BPL families who are either houseless or having inadequate housing facilities for constructing a safe and durable shelter. The SIRD has been organising the training programmes on different aspects of planning, implementation, maintenance of accounts under IAY. During the year 2015 – 16, the SIRD organised training programmes on book keeping under IAY and Awaasoft under IAY for the officials of district, block and Gram Panchayat level officials. On being entrusted the responsibility by the NIRD & PR, Hyderabad, the institute organised training programmes for the accountants of DRDAs and

• Technical manual on permissible works.• Salient features covering schedule – I & II in

assamese. • Guide book on social audit in local languages. • Guide book on RTI in local languages.• Roles of V & MC in assamese.

Training programmes under IAY

• Permissible works in assamese.• MIS manual.• Guide book on maintenance of MB/MR. • Other subject specific course materials given

by Resource Persons in various sessions.

Development Blocks based on the modules and materials prepared by the NIRD & PR.

Besides the training on book keeping, the SIRD has organised series of training programmes on Awaasoft. The institute organised 12 programmes covering 326 officials of District and Development Blocks. NIC, New Delhi has also extended full cooperation by providing Resource Persons support for organising these programmes. The institute has also organised Training of Trainers for providing technical guide in construction of IAY houses for the Jr. Engineers, Acredited Engineers. After being trained up, these trained functionaries have in turn organises training programmes at the block itself.


Since inception, the SIRD, Assam has been regularly organising various training programmes under NRLM for different stakeholders. During the year 2015 – 2016, the institute organised training programmes for the professionals and officials of Assam State Rural Livelihood Mission Society on maintenance of accounts and office procedure. The institute also organised induction courses for the professionals and staff of the ASRLMS.

The NIRD & PR entrusted the responsibility to the SIRD, Assam for organising few courses under Networking Programmes of NIRD & PR on different subjects for different clientele groups.

Training programmes under NRLM

Training courses on rural development programmes under Networking programmes of NIRD & PR

Besides these training programmes, the institute organised training programmes for the CRPs, Para Professionals on various subjects like management of SHGs, book keeping, promotion of livelihoods of SHGs through income generating activities in association with specialised institutes like Assam Agriculture University, its colleges, College of Veterinary Science.

The SIRD under the programmes organised 14 courses covering 516 persons on different subjects. Following training programmes were organised by the institute under the programme.


• ToT on SARARTHYA SAGY• Preparation of village development plan• ToT under NRLM• ToT on financial management of SHGs under

NRLM• Preparation of village development plan• Training on personal ethics and public service• ToT on IPPE - II• ToT for providing technical guide in

construction of IAY houses• Mobile monitoring system under MGNREGA

The SIRD with the help of National Resource Persons have organised different courses on different programmes for the state and district level officials as well as elected representatives of PRIs. Under the programme, the institute has also organise regional level ToT programmes for the North Eastern States on SAGY, IPPE – II, IAY etc.


CREATING COMPETITION AMONG THE PANCHAYATS BY IDENTIFYING AND AWARDING BEST PERFORMING PANCHAYATS AND BY ORGANISING SPECIAL TRAINING PROGRAMMES FOR ‘ONWATCH’ PANCHAYATS

For the last three years the SIRD, Assam has been assessing the performance of panchayats under Panchayat Empowerment Accountability Incentive Scheme (now known as Panchayat Sashakstikaran Puraskar). The institute has developed questionnaires, indicators and self marking system in prescribed proformas for the all the three tiers of panchayats in the state. Every year these proformas are distributed to Zilla Parishads, Anchalik Panchayats & Gram Panchayats for assessing their performance through self marking. Every year best performing 1 Zilla Parishads, 2 Anchalik Panchayats & 5 Gram Panchayats are selected and

recommended to Government of India through State Government for giving award and incentive. An elaborate system has been developed for the selection of 8 panchayats for which guidelines have also been developed (guidelines enclosed herewith). So far, 37 (thirty seven) panchayats have received award under Panchayat Sashakstikar Puraskar.

The institute has made it a part of the entire training process and laid emphasis on organising intensive training programmes for the weak panchayats.


AWARENESS PROGRAMMES

The institute organises sensitisation programmes for different stakeholders in the field for meaningful participatory planning through Gram Sabhas. The institute organised large number of awareness generation camps / sensitisation camps in the remote villages in the state. Various topics on local issues, disaster preparedness, sanitation, hygiene, health, preparation of village plan, role of gram sabha in the preparation of development plans, various flagship programmes have been covered in the awareness generation camps. The institute also organises awareness programmes on different sectoral programmes.

Besides the above programmes, the institute has given special thrust to generate environment for preparation of Gram Panchayat Development Plan. The institute done a massive awareness generation programmes for environment generation for preparation of GPDP in the panchayat by availing the facilities of road show, bike rally, field level camps, etc. These environment generation camps have helped the panchayats to aware the rural masses to participate in the preparation of holistic Gram Panchayat Development Plan.


SKILL DEVELOPMENT TRAINING PROGRAMMES FOR EMPLOYMENT GENERATIONThe SIRD, Assam for the last fifteen years has been diversifying its training and research activities and making an effort to give practical orientation to them. In this process the clientele group for trainings programmes of the institute have become diverse.

Lack of technical and managerial skill among rural people is considered to be one of the limiting factors in the growth of the self employment activities in the rural areas of Assam. The Advisory Committee (Governing Body) of the SIRD took the decision for organizing training programmes on skill development to facilitate the growth of self employment activities in the rural areas of Assam.

State Institute of Rural Development for the last one decade has been organizing a large number of training programmes on skill development for unemployed youth, farmers and women through

implementation of the special projects relating to self employment. In the process the institute has developed required infrastructure, expertise and well trained Faculties for skill development training programmes. The institute has also established linkages with various specialized institutes inside

and outside the state for improved skill development training programmes for selected activities. The SIRD has created infrastructure on practical training with required tools and equipments for various skill development training programmes. Efforts are on to further enlarge these facilities in a decentralized manner to make the skill development training facilities more accessible to youth from different districts of the state. During the last one decade, the SIRD under the Chief Minister’s Jeevan Jyoti Swaniojan Yojana provided self employment to more than 70000 unemployed youth mobilizing a loan amount of more than Rs. 500.00 crores from


different banks and financial institutions besides providing government subsidy and assistance. Around 40776 youth have undergone training on skill development and management of enterprises. Out of these 3000 numbers of youth have undergone upgraded training outside the states in specialized institutes and organizations along with exposure visits. During the year 2015 – 16, the institute has organised different skill development training programmes in SIRD as well as in the Extension Centres and also organised different courses in collaboration with Assam Agriculture University, IIT, Guwahati, ITIs, USHA International and other specialised organisations etc.

As already mentioned, the SIRD has been organising skill development training programmes for youth, artisans, women and farmers under its special projects. Recently, the institute has taken up some new activities for development and upscaling skill level of youth, entrepreneurs, farmers and


women through intensive training programmes in its Resource Centre in IT & Skill Development at Kahikuchi and also in the Extension Centres situated in different zones of the state in association with specialised institutes. The following activities are now being taken up:

1. Beautician, 2. Pattern making, 3. Handloom product diversification, 4. Masonry, form carpentry and bar-bending. 5. Electrical house wiring.6. Plumbing and sanitation.7. Driving.

8. Repairing and maintenance of agricultural implements.

9. Repairing Household implements, AC & Refrigerator etc.

10. Mobile repairing.11. Bamboo & wood craft.12. Carpentry. 13. ICT, Computer literacy, MIS, PRIASOFT &

others.14. Scientific farm management in agriculture

and allied activities.15. Scientific farm management in Animal

Husbandry and Veterinary.


Sl. No. Name of the organisations Name of the course Number of courses

Number of participants

1. Assam Agriculture University, Jorhat Apparel making 1 25

2. College of Veterinary Sciences, AAU, Khanapara Animal Husbandry 7 193

3. NETRIP, Silchar Driving 9 73

4. IIT, Guwahati Diversification of bamboo craft 2 40

5. College of Fishery Science, Raha Scientific fish farming 1 466. ITI, Nagaon Driving 1 25

7. Think Big, Guwahati Hospitality and retail sector 3 145

8. USHA International Cutting and tailoring 6 146

9. HavelsElectrical housewiring, AC repairing, repairing

of households items8 186

10 Computer hardware and networking 7 138

Total 45 1017

The institute has organised following special courses in association with the University, Colleges and specialised institutes during the year:


Besides the above special courses on skill development, the institute has organised large number of skill development courses on different income generating activities through the Extension Centres. The institute has developed skill

Sl. No. Name of the centre Courses Participants1 EC, Kahikuchi 60 24002 EC, Jorhat 41 16043 EC, Joysagar 2 524 EC, Hailakandi 9 4135 EC. Amoni 27 10976 EC, Nalbari 27 10977 EC, Abhayapuri 3 1178 EC, Biswanath Chariali 11 2929 EC, Saraighat 55 1912

10 EC, Dibrugarh 22 66811 EC, Chauldhuaghat 21 54212 EC, Kajalgaon 38 3877

Total 316 14071

development training facilities on different trades in the existing Extension Centres. The SIRD through its Extension Centres have organised following number of courses on skill development for income generation:


BASIC OF COMPUTER APPLICATION FOR STUDENTS / YOUTH

In each of the Extension Centres, the institute has set up one computer training centre. Through the computer training centre, the Extension Centres have been regularly organising training

programmes on computer application for the students / youth. During the year 2015 – 2016 the institute has organise 67 programmes covering 1139 persons.


Statement showing training programmes conducted by SIRD, Assam during 2015 - 2016

Sl. No. Name of the Programmes Level of participants Number of courses conducted

No. of participants

1 Rajiv Gandhi Panchayat Sashakstikaran Abhiyan (RGPSA)

APreparation of Gram Panchayat Development Plans,

Elected representatives of PRIs, Secretaries of GPs, Members of Resource Team, Members of Working Groups

491 25748

B

Training on women empowerment, Other Source of Revenue, Flagship Programmes

Elected representatives of PRIs 241 8907

C Computer literacy programme

Elected representatives of PRIs 215 4171

DPreparation of plans, Maintenance of accounts, PRIASOFT, PES etc.

Functionaries of PRIs 33 1450

E Sanitation and swaach bharat abhiyan

Asha Workers, representatives of civil society organisations,

202 9802

Total 1182 50078

2

Planning and implementation of permissible works under MGNREGA, MIS, efms, mms, preparation of labour budget, IPPE

Functionaries 90 3567

3 Preparation of village plan under SAGY

Functionaries, social activists, representatives of NGOs, PRIs

12 297

4 Book keeping under IAY, Awaasoft

Accountant of DRDAs, Blocks, Computer Asstt. 22 526

5 Planning and implementation IWMP

Secretaries of Watershed Management Committee 3 184

6 Social auditFaculties of the institute, College Teachers, social activists

17 580


Sl. No. Name of the Programmes Level of participants Number of courses conducted

No. of participants

7Financial inclusion, book keeping, implementation of NRLM

Professionals of ASRLMS, CRPs, Book Keepers

12 349

8 Personal ethics in public service

Officials of state, district and block 7 441

Total 163 5944

9Skill development training on different activities through specialised institutes

Entrepreneurs, youth, women etc. 374 15654

10 Basic of computer applications Students 67 1139

Total 441 16793

12Peoples participation in planning process through stregthening of Gram Sabha

Rural people 347 61400

Grand total 2133 134215


Training programmes organized by ETCs during 2014–15 & 2015–16

Sl. No. Name of the CentreProgress during 2014 – 15 Progress during 2015 – 2016

Courses Participants Courses Participants1. Kahikuchi 277 19127 284 128202. Jorhat 130 8492 184 246543. Joysagar 103 5745 114 72304. Hailakandi 203 9884 205 91375. Amoni, Nagaon 267 18268 205 125716. Nalbari 165 12043 106 54737. Biswanath Chariali 157 9398 101 40648. Saraighat, Bezera 139 8207 206 248199. Abhayapuri 171 12993 118 7848

10. Chauldhuaghat, Lakhimpur 131 9048 154 8347

11. Kajalgaon, Chirang 51 4308 50 434912 Dibrugarh 162 6778 126 4965

Total 1956 124291 1853 126277


RESEARCH STUDIES TAKEN UP DURING 2015 – 16During the year 2015 – 16, the institute undertook following research studies in collaboration with organisations, institutes:

Study on backwardness of the remote villages and identification of gaps in the availability of basic amenities in selected districts:

The institute has identified 100 villages from few districts of the state wherein the institute has made a study on the basis of the availability of basic amenities in association with Nanda Talukdar Foundation. The institute has developed a template identifying some basic information on the subjects like Basic Facilities, Village Infrastructure, Distance from nearest facilities, Educational facilities, Population, Households, Birth Details with a marking basis. The study is a dynamic one and subsequently the information collected under the study will be captured in a software called “GramIndia” being developed by the institute.

Participation of women in MGNREGA:

The SIRD, Assam undertook social audit during 2014 – 2015 for all the programmes being implemented by the panchayats. During the process of social audit, the institute undertook a survey on the women participation in MGNREGA. The institute developed a questionnaire on the subject and collected information from the field through the social auditors. With the information so collected

during the process of social audit, the institute in association Centre for Development of Peace Study has undertaken an analytical study on the women participation in MGNREGA.

Following were the objectives of the study:

• To analyse the awareness level among women about MGNREGA and its benefits.

• To assess the level of participation of women under MGNREGA.

• To analyse the factors behind non participation or withdrawal of participation of women.

• To analyse the factors behind non-participation or withdrawal of participation of women.

• To assess the difficulties faced by women at the workplace and the facilities provided to them.

• To provide recommendations, based on the suggestions given by the women, for improvement in the application process and implementation of the MGNREGA scheme.

Findings of the study:

• Majority of the respondents are aware about the MGNREGA and its benefits.

• It was found that 75% of the households of the respondents in the surveyed districts had a job card.


• Majority of the respondents have applied for registration under MGNREGA. Even in those districts where awareness about benefit of MGNREGA is low, the percentage of women applying for Job Cards and registration is high.

• 70% of the women who had their job cards, had done various jobs under MGNREGA.

• Though the MGNREGA policy stipulates that male and female workers should be paid equal wages.

• 80% women expressed satisfaction about their work environment and said that they had liked their respective workplaces while working under MGNREGA.

• 74% of women said that drinking water facilities were available at the work site, waiting shed etc.

• Some of the families do not prefer their women members working outside, it was difficult for 10% of the women to continue their work under MGNREGA.

• Majority of the women said they wanted that separate works be allotted to be women workers and there should be simplification of the application, job getting and wage getting process under MGNREGA.

• It was found that major chunk of the earnings made by the women respondents under MGNREGA were spent on food and fulfilling their children’s.

• The study found that 36% of the surveyed women were the sole bread earners of the family. Also, it was found that 54% of the women have no other source of income apart from MGNREGA.

Ensuring sanitation and making villages free from open defecation – an action research:

The institute adopted few villages in nearby area of the institute to ensure sanitation and making villages free from open defecation. The institute through its capacity building and training has made people aware about the sanitation and bad affect of open defecation. The institute developed a questionnaire through which door to door survey has been undertaken. After field survey, the institute took the initiative to make people aware about various aspects of sanitation through miking, campaign, sensitisation programmes. During the campaigns, the institute displayed and demonstrated the various low cost technology for construction of latrines, use of sanitary napkins, hand wash, use of toilets etc.

Evaluation study on Indira Awaas Yojana (IAY) in selected districts of Assam:

In Assam, the IAY scheme has helped numerous households to live a life with dignity. Between 2010 – 11 and 2015 – 16 a total of 6.69 lakhs IAY houses


have been sanctioned in the state. It is necessary to carry out periodic field level assessments to examine the implementation of that scheme on the ground. With this aim in mind the institute has undertaken an evaluation study on the implementation of IAY scheme with extensive field level interview with beneficiaries and collection of feedback of the stakeholders involved.

Objectives of the study:

• To assess whether the objective of the IAY scheme is being achieved or not.

• To assess whether the flow the funds is proper and timely.

• To evaluate whether the funds are being properly utilised or not.

• To observe whether the houses are being constructed as per guidelines and within the stipulated timeframe.

• To assess the convergence of the IAY scheme with other related government scheme.

Findings of the study:

• The IAY houses have been allotted with the approval of Gram Sabha.

• Majority of the houses, norms have been followed during construction.

• Convergence of the IAY scheme with other related government schemes are not good in the districts.

• Majority of the respondents were satisfied with the IAY scheme.

• It was found that in majority of the houses, the board was not displayed.

• There is very low awareness about the exact terms and conditions of the IAY scheme among the rural people.

• Irregularity in fund flow to the beneficiaries can be seen in most of the districts.

Evaluation study by NABCONS, NABARD on the JLGs assisted under Chief Minister’s Jeevan Jyoti Swaniojan Yojana:

The institute assigned the responsibility to NABCONS, NABARD to undertake an evaluation study of the JLGs assisted under Chief Minister’s Jeevan Jyoti Swaniojan Yojana. During the study, NABCONS came across many instances of success scripted by the rural youth even amidst adverse eco-system, be it social or economic or both. These inspiring success stories have been documented with the twin objectives of paying formal tributes to the spirit and determination of the groups to ride success on one side and holding these stories out as a source of inspiration to the others in rural areas who have yet to embark on such successful passages.


TIE UP WITH UNICEFUNICEF Assam field office has been supporting the Govt. of Assam’s initiative in orienting the Panchayats to be more proactive in improving status of women and children. There is need for more sustained effort in this direction so that Panchayats become an important institution in promoting social development, particularly in improving well-being of the women and children.

UNICEF Assam field office has tied up with SIRD, Assam by setting up a State Resource Centre for development of women and children of Assam for which financial support are being provided by the UNICEF.

The objective of the resource centre is to co-ordinates efforts of different sections of society and the government to make a noticeable difference in the lives of children and women in the state and to serve as a nodal agency for all child related initiatives in the state.

The key areas of interventions:

• To facilitate awareness generation and decentralised planning on the child rights and governance issues to have a child and woman friendly Panchayat.

• To create databases on women and children in the state, knowledge management hub

in regards of capacity building, modules & resource materials, and to regularly update the existing child related information for sharing with the Panchayats.

• To set up an information network and to cooperate through various organizations at the state, national and international level.

• To undertake social research, action research and policy analysis on the issues related to children and women in the State of Assam. To contribute to state policies and programs related to the children and women.

• To involve and enhance participation of key stakeholders in programs related to child rights and governance on a common platform.

• To link and facilitate the activities of not-for-profit organizations, CSRs, research and academic institutions, civil society groups, PRI members and others.

• To focus social audit and budget analysis for the related departments and programs working for the children and women in Assam.

The UNICEF has been providing financial support for capacity building of elected representatives of panchayats, research activities, modules and materials preparation on different issues relating to decentralised planning, women and child related issues etc.


ASSOCIATE ORGANIZATIONS FOR OUTSOURCINGAs suggested by the Governing Body of the institute, the institute has been making effort to have tie-up with reputed organisations for academic support. During the year 2015 – 2016, the institute has taken up some collaborative efforts with following specialised institutes for capacity building and training and research activities.

– IIT, Guwahati, – NIRD, Hyderabad, – TISS, Guwahati, – AAU and its Colleges,– Asia Plateau, Maharashtra, – Universities of Assam.– Land Mark Forum, New Delhi.

During the year 2015 – 2016, Tata Institute of Social Science, Guwahati has deputed team of students who have done their internship programmes in the institute through the guidance of the Faculties of the institute. Universities have also been deputing students for their final internship in the institute where students have undertaken field studies in the clusters developed under the self employment project of the institute. The SIRD has been organising training on design development under the Department of Design of IIT, Guwahati. 20 artisans from Barpeta district have already undergone training on design development for bamboo product manufacturing. The institute has also deputing farmers, women, youth to the Assam Agriculture University and its colleges for upgraded training on different activities.


EMPLOYMENT GENERATION PROGRAMMESDuring the last one decade, the SIRD has been entrusted the responsibility of implementing the special projects under Swarnjayanti Gram Swarozgar Yojana (SGSY) as well as state government sponsored projects. Under these projects, activities like mushroom production, improved agricultural activities, dairy farming, pig rearing, diversification of handloom products for value addition, handicraft products, computer centres for ICT Skills, extension

of marketing facilities etc. have been taken up in different parts of the state through SHGs and JLGs.

Since, November’ 2005 the State Government has taken up the ambitious programme for providing self employment to the unemployed youth within the age groups of 18 – 37 years by launching the Chief Minister’s Jeevan Jyoti Swaniojan Yojana being implemented by the SIRD, Assam.

Cummulative progress during last one decadeSl. No. Programme

No. of SHGs/ JLGs loan

sanctioned

No. of Families Assisted

Amount of loan

[Rs in lakh]1 SGSY (Spl) – Farm Mechanisation, Micro

enterprise development through poultry & dairy, handloom, Training, Technology & Marketing Development.

6841 92877 8026.58

2 Chief Minister Jeevan Jyoti Swa-Niyojan Yojana for unemployed youth

23395 89169 57277.80

3 Economic Empowerment of Women - Cluster Development initiative for

1650 31950 800.00

Total 33247 215113 66104.38


Chief Minister’s Jeevan Jyoti Swaniojan Yojana Progress and PerformanceBackground: The objective of the Chief Minister’s Jeevan Jyoti Swaniojan Yojana is to provide financial assistance to educated unemployed youth by providing institutional credit supported by Government subsidy to enable them to undertake productive income generation activities for self employment. The State Government entrusted the responsibility to the State Institute of Rural Development for implementation of the project in July’ 2005. The institute has since been implementing the project.

Specially attraction to the youth: Chief Minister’s Jeevan Jyoti Swaniojan Yojana has been exclusively designed to provide self employment avenues to unemployed youth through Joint Liability Groups.

Wide range of income generating activities: Another attractive provision in the yojana is that unemployed youth can select their economic activities from wide range of income generation activities.

Diversification of income generating activities: Initially thrust was on mechanised agricultural activities, livestock, poultry farming, fishery, horticulture etc. Now, youth have gone for different micro enterprises in secondary and tertiary sector including rural transport.

Target Group: Loan and government subsidy under yojana is provided to unemployed youth, young farmers, weavers, women, artisans within the age group of 18 to 37 years. they may belong to both BPL and marginally above BPL families.

Educational qualification: The applicants should have read up to Class X standard. However, educational qualification is relaxed upto Class – V for women for undertaking schemes in handloom, sericulture etc. Educational qualification is relaxed upto Class – VII for youth taking up agricultural activities with power tillers and tractors.


Loan and subsidy pattern:

For 4 members JLGs Loan ranges from Rs. 3.00 lakhs to Rs. 6.00 lakhs.Subsidy Rs. 1.60 lakhs or 50% of the project cost whichever is less.

For 2 members joint effort Loan ranges from Rs. 2.00 lakhs to Rs. 3.00 lakhs.Subsidy Rs. 80,000.00 or 50% of the project cost whichever is less.

For individual Loan ranges from Rs. 1.00 lakhs to Rs. 1.50 lakhs.Subsidy Rs. 40,000.00.

Support services: Besides loan and subsidy, SIRD provide additional

support services to JLGs taking up mechanised agricultural activities and handloom. Power pumps and sprayer machines are provided to the JLGs taking up mechanised agricultural activities. Jacquard looms, yarn and GCI sheet are provided to groups taking up handloom activities.

Monitoring and evaluation: Considering the large number of persons now being assisted under the yojana, the SIRD has involved third parties like Omeo Kumar Das Institute of Social Change and Development, Nanda Talukdar Foundation for monitoring of the each and every assisted group to find their status. Status of each group is documented district wise and also uploaded in the website of the SIRD (www.sirdassam.in).


Impact of Chief Minister’s Jeevan Jyoti Swaniojan Yojana in the field – an overviewThe SIRD has been implementing Chief Minister’s Jeevan Jyoti Swaniojan Yojana since 2005. The yojana has become very popular among rural unemployed youth, young farmers, weavers etc. It has become demand driven and different stakeholders have extended support for smooth implementation of the yojana. So far, 73138 persons mostly unemployed youth, young farmers and weavers have been assisted with bank loan and government subsidy. The institute has so far received very good cooperation from the nationalised and regional rural banks. Enhancement of the subsidy to 50% has become an another big incentives to the unemployed youth. The subsidy which started with 15% has now gone up to 50% of the project cost with a ceiling of Rs. 1.60 lakhs in case of 4 member JLGs.

Introduction of the provisions for assisting 2 individuals coming together or a single individual

have become another popular attraction among the youth who wants to set up micro enterprise individually or jointly with one more person.

A sector wise analysis of the impact of the programme in the field is given below:

Mechanised agricultural activities and horticulture: At the initial stage of implementation, the SIRD laid special emphasis on attracting young boys to mechanised agricultural activities for their self employment. The institute mobilised large number of youth into JLGs for taking this activity of mechanised farming in different districts of the state. Some of the significant aspects are:

1. So far 22366 unemployed youth have taken up mechanised agricultural activities by purchasing power tillers and tractors.


2. Cluster approach has been adopted for development of mechanised agricultural activities in the field.

3. Many clusters of mechanised agriculture activities have been developed. In the villages of some of the clusters SIRD introduced mechanised farming for the first time under Chief Minister’s Jeevan Jyoti Swaniojan Yojana.

4. Clusters have also been developed in remote places like Sadia, Dhemaji, Sarupathar, Merapani in Golaghat district etc.

5. Agricultural scenario has been changed in these clusters.

6. Assisted youth have undergone improved training on mechanised farming inside and outside the state.

7. The youth having shown good results in the field have been picked up for specialised training in Indian Agricultural Research Institute, New Delhi, University of Agricultural Sciences, Bangalore.

8. Horticultural activities have also become popular among unemployed youth under the yojana.

9. Many youth have taken up activities banana plantation, lemon plantation etc.

10. More than 500 small banana farms have come up under the yojana in different districts of the state.

11. Field monitoring reports have highlighted that in some JLGs net income for banana cultivation has gone up to around Rs. 10.00 lakhs per group per year.

12. Tea nurseries have become very popular in tea pockets of the state under the yojana.

13. Youth including lady members have raised tea nurseries for supplying saplings to the big tea gardens in the neighbouring areas.

14. Floricultural clusters have also been developed in different districts of the state.

15. Traditional floricultural activities in Hajo area have further been developed under the yojana. Each group has received an amount of Rs. 4.00 lakhs with government subsidy of Rs. 1.60 lakhs.

16. Selected members of these groups attended training programme in University of Agricultural Sciences, Bangalore for specialised training on floriculture and nursery development.

17. Besides loan and subsidy each of the JLGs taking up mechanised agricultural activities are provided support services of one pump for irrigation and sprayer machine.


Poultry farming and livestock rearing:

• Along with agricultural activities, poultry farming and livestock rearing have become very popular among the youth for their sustainable self employment.

• Around 2452 poultry farms have come up in different districts of the state. They are run by 4 member JLGs.

• A loan amount of Rs. 3.00 lakhs supported by 50% subsidies given to each group under the yojana.

• Instant profit within short span of time is the most important attraction of the activity among the youth.

• Availability in local markets in different districts has also facilitated the growth of the poultry activities.

• So far around 2869 dairy farms have been assisted under the yojana in different districts of the state.

• Some of the clusters in Darrang, Morigaon, Dibrugarh have shown very good results.

• Youth have been sent to undergo specialised training in National Dairy Research Institute, Karnal for attending specialised training.

• Activities like pig farming, fisheries, goat farming have also been taken up by youth and women in different districts of the state.

• Some of the youth taking up pig rearing have developed pig breeding farms for supplying piglets to the farmers.

• Some pig breeding groups in Kamrup and Nalbari have been doing very good business by supplying piglets to new beneficiaries and farmers.

• The SIRD has been sending youth taking up fish farming in JLGs under the yojana for exposure in Andhra Pradesh to have first hand information and gather new ideas in pisciculture pockets of Andhra Pradesh.

Activities for providing support services:

Many support service activities like agro processing units, marketing outlets for agricultural inputs, nurseries for saplings, milk processing units, have come up in different districts as a result of agriculture and allied activities under the yojana. Many youth purchased agro product carriers for carrying agricultural produces in different districts to facilitate the marketing process for different groups assisted under the yojana.

Diversification of handloom:

The institute has given special emphasis on value addition and diversification of handloom products. Some of the significant aspects observed are as follows:

• Many weavers have been assisted with bank loan and subsidy to take up improved weaving activities for diversification and value addition of the products.

• Special training programmes on skill development are being organised in SIRD’s Resource Centre in IT & Skill Development, Kahikuchi.

• Training centres have also been set up in different places of the state for skill upgradation of the weavers.

• Besides bank loan and subsidy improved looms with jacquard, fine yarn and other support services are also provided to the weavers to facilitate the growth of their activity.

• Weavers are sent outside the state particularly


West Bengal to attend improved skill development training programmes for production of diversified handloom items.

• Special arrangements are also made with NIFT, New Delhi and Kolkata for specialised training of weavers.

Micro enterprises and small business:

Around 4694 micro enterprises have been set up by JLGs and two member groups. Individual youth have also set up micro enterprises for their self employment. Some of the significant aspects are

• Many micro enterprises like computer centres, fast food outlets, food processing centres, garment making units, shops for electrical goods, hardware items, tent houses, have come up.

• Many young ladies have opened beauty parlour after being trained up.

• Special training courses are being run separately for them under trained Resource Persons.

• Arrangement has been made for training on skill development for activities like electrical works, carpentry, plumber works, repairing of farm implements, etc.

• Individual youth have set up micro enterprises by availing a loan amount which ranges from Rs. 1.00 lakh to Rs. 1.50 lakh.

• It has been observed that many such youth have been earning net income of Rs. 5000.00 to Rs. 10,000.00 per month by investing Rs. 1.00 lakh to Rs. 1.50 lakh for setting up different enterprises.

• Many youth have come together and taken up activities in two member groups (joint effort) for setting up micro enterprises.

• They have availed bank loan which ranges from Rs. 2.00 lakhs to Rs. 2.50 lakhs with a government subsidy of Rs. 80,000.00.

• Many enterprises like garment shops, tailoring shops, restaurant, hardware shops, computer

centrs have been successfully taken under this approach.

Rural transport:

Many youth have shown keen interest in acquiring vehicles for carrying passengers in rural areas. Some of them have purchased three wheelers for carrying goods in the villages. Two youth can purchase a three wheeler for carrying goods by availing a bank loan of Rs. 1.90 lakh. They get a government subsidy of Rs. 80,000.00 and contribute 10% from their end. Remaining Rs. 90,000.00 is only the bank loan. Many youth have been provided self employment through this activity.

Evaluation of the JLGs by third party:

The institute has taken up intensive monitoring of the groups assisted during 2009 – 2010, 2010 – 2011, 2011 – 2012, 2012 – 2013, 2013 - 2014 and 2014 – 2015 and performance of 60% groups are reported to be very good, 30% are good and 10% are average.

Placing of information on assisted and evaluated groups in public domain:

The institute has also developed a software where all the information relating to the present status of the evaluated JLGs have been uploaded and linked up with the website of the SIRD which can be seen by any interested persons.


Activity wise credit mobilised under Chief Minister’s Jeevan Jyoti Swaniojan YojanaName of the activities Group received

bank loanNumber of persons assisted

Amount of credit (Rs. In crores)

Mechanisation of agricultural activities through power tiller and tractors

4888 22366 118.18

Transport vehicle for marketing of rural products 1584 6265 55.32

Rural transport for easy communication of rural people 976 3280 32.50

Scientific farm management in dairy, piggery, poultry, goatery, fishery and integrated farming

7403 28765 197.30

Handloom – diversified products for value addition 2654 15828 45.15

Micro enterprises in agro processing, marketing, nurseries development, tea plantation, handicraft, DTP centres etc.

5890 12665 124.27

Total 23395 89169 572.78

(Rupees Five Hundred Seventy Two Crores Seventy Eight Lakhs)


Year wise credit mobilised under Chief Minister’s Jeevan Jyoti Swaniojan Yojana

Capacity Building under CMJJSY

Financial year No of Group sanctioned by Bank

Number of persons assisted under sanctioned proposals

Amount of Credit (Rs. In lakh)

2005(Nov)-2006 317 968 842.472006-2007 819 2539 2494.412007-2008 621 2094 2174.832008-2009 982 4041 2659.252009-2010 2271 10038 6858.882010- 2011 2352 11998 5714.132011 – 2012 2201 9603 4317.702012 – 2013 2744 12188 6733.682013 – 2014 4323 16014 10317.492014 – 2015 3932 11309 8994.322015 – 2016 2880 8524 6258.91TOTAL 23395 89169 57277.80

(Rupees Five Hundred Seventy Two Crores Seventy Eight Lakhs)

Financial Year

Community mobilization Programme

Skill development & Technology

Upgraded training & exposure visits

No. of Prog. conducted

No. of Participants


No. of Participants


No. of Participants

2005(Nov)-2006 58 5666 47 2089

2006-2007 106 19970 69 2334 13 3132007-2008 58 9407 41 1250 11 2752008-2009 145 25105 47 1280 14 3322009- 2010 179 25029 111 3223 15 3232010 – 2011 30 3412 145 4065 3 612011 – 2012 18 1546 94 2320 16 3632012 – 2013 79 1991 18 3892013 – 2014 3 337 90 2192 13 3222014 – 2015 117 4838 4 802015 – 2016 354 15194 20 460Total 597 90472 1194 40776 127 2918


Skill development training programmes of SIRD, Assam – some new initiatives• The SIRD has been organising skill development

training programmes for youth, artisans, women and farmers under its special projects.

• New initiatives in skill development

• For women 1. beautician2. pattern making3. textile design4. handloom product diversification5. autocad

• Construction related for youth:

• Masonry, form carpentry and bar-bending.

• Electrical house wiring.

• Plumbing and sanitation.

• Fabrication works,

• Painting works.

• Driving.

• Repairing and maintenance of agricultural implements.

• Household implements.

• Mobile repairing.

• Bamboo & wood craft.

• Financial management.

• ICT, Computer literacy, MIS, PRIASOFT & others.

• Orchid cultivation.

• Carpentry.

• Scientific farm management in agriculture and allied activities.

• Duration of the training programmes varies from 21 days to 90 days.


Mauchak JLG :

Covered under CMJJSY and with a subsidy support of Rs.750001- from SIRD and a loan of Rs.3.00 Iakh from Shalbari branch Assam Grameen Vikash Bank, 05 males had organized themselves into a group by contributing owners’ equity of Rs.1.10 lakh, had started making metal trunks in 2010. Earlier, all were petty shopkeepers earning around Rs.8000/- to Rs.10,000/- per month. Today, the group is able to generate a monthly income of Rs.12,000/- to Rs.15,000/-.

The group is making a good profit and, as a result, is regular in its loan repayments and that too with amounts that are higher than that fixed by the financing bank. The group now some fund to purchase the required tools and equipment worth Rs.4.00 lakh such as dicer, cutting machines, etc. They have also received a 1-week training conducted by SIRD at Kahikuchi. In recognition of their successful work, the group has also received

cash incentives of Rs.10,000/- and Rs.25,000/- on two occasions. The profit is equally shared among all the five members. With the savings from the business, the Group Head has purchased a 2-wheeler and is planning to open up a 2-wheeler dealership. From production of trunks, they have now started production of buckets and intend applying for a bigger loan amount after repaying the earlier balance.

This group, with its smart business management and product diversification, is a source of inspiration to others

Rupali JLG :

This group, with 2 male members, had started with production of cane and bamboo-based products in 2011. In its endeavor, it received a subsidy of Rs.50,000/- from SIRD under CMJJSY and a loan of Rs.2.00 lakh. Before coming together

Some case studies of assisted groups / individuals


as a JLG, the group members were engaged in making such products at home and were earning around Rs.5000/- a month. However, realizing the advantages of forming a group, they came under it with the help of SIRD for continuing the activity jointly and marketing its produce in local and faraway markets. They received training conducted by SIRD at Kahikuchi as also a special training conducted at IIT, Mumbai.

The group currently earns Rs.15000/- a month which goes up to Rs.20000/- to Rs.25000/- during festive seasons. Such satisfactory levels of income ensured that their repayments were regular and the group has been able to repay the entire loan with interest to the bank within the prescribed time. At individual levels too, the Group Head has purchased a plot of land admeasuring 0.5 bigha worth Rs.70000/- while both have constructed houses with their incomes. They share the profit

equally between them and have an accumulated savings of Rs.1.5 lakh. Not depending only on bamboo and cane-based production, they have now ventured into furniture and jewellery making. Buoyed by its success, the group is now planning to go in for a fresh loan of Rs.5.00 lakhs from the bank for acquiring a cutting machine and a delivery vehicle. Krishak Shahid JLG :

Dairy has a rich history of success across India. The white revolution started in the state of Gujarat made dairy farming an attractive livelihood option for the farmers of India. Forming of dairy cooperatives by farmers helped them gain a bargaining power over prices of milk. Taking a cue, forming a JLG group for dairy can lead to sustainable prosperity. This is what 4 youths in Darrang District did in 2013.

They applied for a project under CMJJSY from SIRD


and, upon sanction, received a subsidy of Rs.1.60 lakh and a loan of Rs.4.00 lakh from a bank with a repayment period of 5 years. They also made a personal contribution of Rs.60000/-.

Earlier, before coming under a group, the members were cattle rearers earning only about Rs.3500/- but were now earning Rs.10000/- per month. All the members regularly discuss various matters relating to dairy farming and take decisions democratically. From their business earnings, they have also bought a power tiller which is being used commonly. Profit from the business is equally shared just as the work. From out of the bank loan of Rs.4.00 lakh, only Rs.50000/- now remains to be repaid to the Bank. The group now has 30 cows in their dairy farm.

The success of this group has proved that the famous Gujarat model of cooperative dairy farming can be replicated in Assam. With successful groups like Krishak Shahid, the future of dairy industry in Assam looks firmly in place.

Kamdhenu JLG :

Four educated youths of Alisapara village started this dairy group in 2013. Under CMJJSY, the group got a subsidy of Rs.1 .60 Iakh from SIRD as also availed of a loan of Rs.4.00 lakh with a repayment period of 5 years. Before the formation of the group, the members were cattle rearers with an average monthly income of Rs.4000/-. However, after taking to the dairy activity on group basis, they are now earning Rs.15000/- per month. With their business incomes, the members have been able to renovate their houses with an aggregate expenditure of Rs.2.50 lakh.

Profit is equally shared among all the 4 members just as the work is. They have undergone training at Patharughat for 5 days as also at Bangalore for 18 days, both arranged by SIRD. The current daily production of milk is around 70 litres which is sold at the local market @ Rs.36/- per litre. The group’s activity has increased the availability of milk in the local area. However, one of the problems faced by the group is lack of veterinary services in the area


and absence of proper grazing facilities. These result in lower milk productivity. The sheds too lack proper slants resulting in accumulation of animal wastes that lead to health problems of the cattle.

The overall success of the activity has enthused the farmers in the locality which is likely to have a beneficial spiral effect on promotion of this activity with increased prosperity.

Nayan JLG :

Assam has a rich history of handloom dating back to centuries. As Gandhiji had once said, “Assamese women can weave dreams”. Armed with this traditional kill, a group of women in Dhemaji have set a successful example of how indigenous handloom activities could lead to a life of self-reliance.

Smt. Noyona Doley, Smt. Ruby Doley, Smt. Surabhi Doley and Smt. Monika Doley formed a group in

2010 and applied for a loan under CMJJSY. Assam Grameen Vikash Bank provided a loan of Rs.1 .50 lakh while SIRD provided a subsidy of Rs.2.00 lakh. Besides, SIRD also provided training in handloom and also arranged for training on silk management at the Indian Institute of Entrepreneurship. Soon thereafter, the magic in weaving began, churning out quality garments in silk and other varieties which found a ready acceptance in markets. They

gradually increased the production and soon saw their income growing. The group also started participating in the exhibitions hosted by SIRD and others. Markets in Guwahati too accepted the produce which afforded to the group a welcome breakthrough.

Today, the group has adequate customers for their products. Its monthly average income is Rs.20000/- which is shared equally. The group has also been able to repay the entire bank loan with interest from out of their income within 3 years of starting


the unit. In recognition of their success, the group was awarded a prize in 2013 by the Hon’ble Chief Minister of Assam. Although the Assamese women have always practiced weaving for ages, it is groups like this that has shown others as to how to make a successful business out of . The group is a shining example of the latent enterprising spirit of the Assamese women which, when freed with interventions like CMJJSY, could lead to self-reliance among women and their improved socio-economic conditions.

Ma Menoka JLG :

With support under CMJJSY, Kamala Biswas, Sangita Nag, Rima Biswas and Nikomoni Biswas, from Joyrampur opened a Pharmacy in 2013. A subsidy of Rs.1.60 lakh from SIRD and a bank loan of Rs.4.00 lakh from Silapathar Branch of United Bank of India came handy. The group bought the stock of medicines and started the Pharmacy.

They elected one of the Members of the group as President though all four members have shared

the work in the Pharmacy. In over two years, the Pharmacy has seen steady increase in business. Presently, the group earns a net monthly income of Rs.14000/-. Out of this profit, loan repayment is paid. Although the loan repayment is not regular at present, the group is very sanguine about future. This self-belief and air of positivity would play a crucial role in making the unit a success in near future.

Astha JLG Group :

3 men and one woman from Rupohi Konwar village of Duliajan formed a group for fishery and piggery in 2011 under CMJJSY with constant support and guidance from SIRD. Before starting the group, each of them was engaged in different activities. Under the programme, the group received a subsidy of Rs,75000/- and also availed of a loan of Rs.1.75 lakh from Allahabad Bank. SIRD also provided the group with technical inputs in a training conducted by it at Hyderabad.

Ever since it became operational, the business has


been growing steadily with consequential increase in their monthly incomes. Presently, the business generates a monthly income of Rs.330001- which is equally shared among the 4 members. The group has seen a substantial change in their livelihood status. Many other youths from the locality have also approached SIRD for guidance regarding fish farming which is known to be a lucrative business in the face of rising demand and limited local supply.

Recently, Door Darshan Kendra, Guwahati had made a programme on this JLG for its successful journey. Starting with a humble investment in a single pond, the group today has ii ponds. The close coordination among the members and a strong self-belief engendered by the promotional interventions by SIRD are behind this shining success story.

PP Embroidery and School Uniform JLG:

Shri Pabitra Baruah and Shri K Prasad Rao were working in a tailoring shop owned by another person. However, they wanted to open a shop on their own and, therefore, applied for a project under CMJSSY to open an embroidery and tailoring

shop. With a subsidy of Rs.800001- and a bank loan of Rs.1 .50 lakh form Allahabad Bank, they finally were able to establish their shop at Duliajan oil market in 2014.Gradually, their tailoring outlet began to attract customers and they soon began to sell uniforms of different schools of Duliajan. Now, the shop earns about Rs.400001- a month on an average. They have now financial independence and ownership of a shop. Shri Pabitra Baruah is an expert in tailoring and he even trains other youths in skill workshops organized by SIRD. Both the members have seen a sizeable increase in their incomes that has enabled them to move up in their business path.

Prafulla JLG :

Prafulla JLG was formed by a group of 4 youths of Basapathar. They applied for assistance under CMJJSY. Earlier, although they worked in their agricultural land, they were in search for another income source. The idea of owning a tractor on group basis was realized with SIRD granting to them a subsidy of Rs.1.60 lakh. They had also applied for a loan to United Bank of India for


Rs.2.00 lakh which, however, was refused. Finally, Sri Ram Finance provided the loan. After buying the tractor, the group began to hire out the tractor for ploughing the land of local farmers in addition to their own land.

Slowly, the group has begun to experience high demand for tractor and it reflected in their income. In a season like Kharif or Rabi, they earn around Rs.25000/- a month from custom-hiring. This is comparatively higher than what they were earning earlier. The group now caters to ever-increasing number of villages and with the growing income, it has been able to repay the monthly installments for the loan with much ease. Sn Ram Finance has also helped the group in maintaining the tractor. The members have seen change in their income after the formation of the group. It has engendered additional sources of income, supplementing their existing income from farmland.

Dharitri JLG :

4 youths from Bilgaon village of Golaghat district formed the group in the year 2014. They applied for buying a tractor under CMJJSY. SIRD provided a subsidy of Rs.1 .60 lakh. SIRD has also provided training to the group. The group also applied for a loan of Rs.2.90 lakh to United Bank of India which, however, was refused. Finally, they applied to Sri Ram Finance for the loan in spite of the high interest rates that they charge. Sri Ram finance granted the loan with land documents as mortgage. After getting the loan, they bought the tractor and began to plough their own land as also custom-hired it to other farmers.

The tractor has helped the local farmers in tilling their land apart from giving the group an income source. During peak season, their income is around Rs.25000/- a month. They have also opened a Savings Bank Account to deposit their surplus and they already have an accumulated savings of over


Rs.3.00 lakh. The maintenance cost of the tractor is met from the Savings A/c while the rest is shared among them.

Asomi - Driving To Prosperity :

Shri Prashant Gogoi and Sanchal Gogoi of Suraj Nagar locality of Jorhat formed a group and decided to drive to prosperity by buying and plying a 4-wheeler for commercial purposes. They applied for assistance under CMJJSY and SIRD soon granted a subsidy of Rs.80000/- along with a bank loan of Rs.3.00 lakh from Punjab National Bank. They also made a personal contribution of Rs.65000/-. With the fund in hand, they bought a 4-wheeler commercial vehicle. It all began in September 2014. Soon, they began to get regular

customers to transport items from shops of Jorhat town to nearby areas. Shri Prashant Gogoi runs the day-to-day business by being the driver. Earlier, he was working as a shopkeeper earning around

Rs.8000/- a month. However, after acquiring the vehicle, he on an average earns around Rs.20000/- every month. Since Jorhat town does see busy commercial activities these days, there is no lack of customers for his vehicle. With the income, they have been able to repay the monthly installment of Rs.5700 rupees to the bank very regularly. They have also tied up with local shopkeepers to carry the items to different places. This has earned them loyal customers. There life has been better after buying the vehicle. This is an example for many other educated youths who can earn a decent livelihood on their own with the help of scheme like CMJJSY, rather than chasing elusive Government jobs.

Garment Shop :

For SM Indra Gogoi, son of a tailor in Lichubari Chariali in Jorhat, garments were always familiar. So, after studying until Matriculation, he decided


to start a garment business as his livelihood. He applied for a loan under CMJJSY and SIRD granted to him a subsidy of Rs.40000/-. Punjab National Bank granted him a loan with a repayment period of 5 years. With the fund available, he bought garments and started his business. After his business grew, he is able to pay the monthly instalment of Rs.16001- regularly. He procures the garments from wholesale shops in Jorhat town and sells it in his shop at Lichubari Chariali. His monthly income has also increased. He earns an average amount of Rs.16000/- per month. He has discovered success as a self-employed man who, rather than depending on others, chose to make his own enterprise. He is planning to expand the shop in near future.

Rice Mill JLG :

Agricultural sector accounts for around 70% of the total work force of the country. However, while agri-mechanization, both during cultivation and in the post-harvest operations, has resulted in more efficient farm operations, this can also contribute to greater value-addition to the farm produce. Rice mill can be a good means of earning a sustainable

income. This is what this JLG is doing in Hohora village. Four youths, S/Shri Manoj K.Das, Bhuzen Deka, Rupam Deka and Tirtho Thakuria, formed a JLG in the year 2009 to march on a path of self-employment rather than searching for the elusive government jobs. With the help of a subsidy of Rs.2.40 lakh from SIRD under CMJJSY and a bank loan of Rs.1.60 lakh from Vijaya Bank, they opened a rice mill.

Catering to the needs of the farmers in the nearby villages for paddy milling, the group has seen a change in its fortune. Presently, the group earns a monthly income of Rs.50000/- out of which, the monthly loan installment of Rs.7000/- was easily paid to the bank. The entire loan has been repaid in the meanwhile. Since the group has seen an increase in their income, they are planning to open another rice mill in near future. In recognition of their good work, SIRD has awarded them a one-me grant of Rs.50000/-. The group also provides business loans to farmers in the village in times of need. The work division of the group is that two members look after the maintenance of the mill


while the other two look after marketing.

The rice mill has emerged as a model for inspiration among the youths in the area, thanks to CMJJSY.

Handloom Printing And Block Printing :

Women represent the half of the population of the world and when they are not empowered, the world lags behind. In recent times, many new avenues have opened up for them and many women have performed well to lift themselves up to a better standard of living. One such promising area for women has been the handloom sector in Assam with its rich artistic tradition though a variety of impediments have come in the way of realization of its full economic potential.

Notwithstanding the challenges, many women have been able to earn a decent livelihood from handloom due to their hard work. One such woman is Smt. Runu Kalita. After earning a Post Graduate

degree in Assamese, she did not go the usual way of job-hunting. She instead opened a shop for handloom and block printing in Kumarpara in Bharaluumukh area of Guwahati with an initial

fund of Rs.1.5 lakh which was sourced through a subsidy of Rs.40000/- from SIRD under CMJJSY and a loan of Rs.1.10 lakh from UCO Bank. She was given training for three days in Accounts, Marketing and Behaviour from SIRD. Her shop now generates an average monthly income of Rs.35000/- and leaves a net profit of Rs.15000/- after meeting all expenses.

With the income from her shop, she has been able to pay the monthly installments of loan repayment regularly and has also been able to purchase some more block printing materials.

Computer Training Centre :

Shri Devojit Kalita is educated with a graduate degree in Computer Science. It is the skill that made


him both desirous of and ready for self-employment. With this aim, he applied for assistance under CMJJSY for a Computer Training Institute. He received a subsidy of Rs.40000/- from SIRD and a loan of Rs.1.40 lakh from the Nalbari Branch of State Bank of India. The gap in fund was made good by his own contribution of Rs.5.60 lakh. With the required money, the new business was launched which soon stabilized. Today, his current assets are worth Rs.8.50 Iakh. His business has grown in size over the years and over 500 students have taken training in his Centre since its inception. He is planning to open one more such centre in Nalbari town. Within a period of 8 years, his centre has expanded and imparted quality training to youths of the area. Presently, he is earning Rs.30000/- a month as net income. He has also employed two part-time employees in his Centre.

Sarathi JLG :

Sarathi JLG has four members, namely S/Shri Kailash Kalita, Dipak Boro, Sanjib Deka and Pranjal Goswami. They formed the group in the year 2008. They established a bakery shop with a subsidy of

Rs.75000/- from SIRD and a Bank loan of Rs.2.25 lakh. The group had also contributed Rs.3.00 lakh as its own share. Presently, the group earns a net monthly income of Rs.30000/-. Out of 4 members, two members are actively engaged in work while the other two members are only peripherally involved owing to their full-time salaried employment.

D J Mobile Store :

Shri Subrajyoti Das, a Matriculate boy from Baihata Chariali, opened a mobile store after sensing a growing demand for mobile phones. For opening a mobile repairing and selling shop with the help of SIRD, he was granted a subsidy of Rs.40000/- by SIRD which also facilitated a bank loan of Rs.1.10 lakh from Bank of Baroda with a repayment period of 3 years with 36 Installments, i.e., Rs.3700/- per month. Suitable training was provided by SIRD which also guided the promoter in his business. With the fund, he bought necessary items for the shop and thus began his business. Since mobile


repairing and selling shop are in high demand these days, the shop began to receive increasing number of customers resulting in higher income for him. Currently, he earns a net monthly income of Rs.22000/- after meeting shop expenses of around Rs.80001- per month. With the income from the shop, he has been able to increase the income and provide help to his family.

Tailoring Shop :

Shri Bimal Mali had started the tailoring shop way back in 1990. He was earning a decent monthly income to support his family but was unable to expand his shop by buying more equipment due to lack of fund. He came to know about the CMJJSY and applied for a tailoring shop which was sanctioned. SIRD granted him a subsidy of Rs.40000/- and also helped him obtain a bank loan of Rs.1.10 lakh from UBI. The repayment period of the loan was 3 years with monthly installment of Rs.3000/-. He received training in Rural Micro Management for 3 days in Kahikuchi, SIRD, Assam,

Soon, he bought 3 more sewing machines for the

shop and began to cater to an increasing number of customers which, in turn, reflected in higher incomes — from pre-expansion level of Rs.8000/- a month to Rs.12000/- per month after the expansion.

CMJJSY has been able to uplift his living standard with more income. Although he had opened the tailoring shop more than 20 years ago, successful running of the shop has only been possible for the last few years after its expansion. CMJJSY came at the right time for giving him an opportunity to rejuvenate his fledging business. Today, he is a proud owner of a flourishing tailoring shop.

Parijat JLG :

Smt. Mousumi Gogoi and Smt. Geetamoni Gogoi are two women from Boginodi village. Although they were housewives, they were deeply eager to earn their own income rather than depending on their husbands for expenses. It was this desire that had led them to plan opening a beauty parlour and a tailoring shop that would cater mainly to the women of their locality. They applied for assistance under CMJJSY to SIRD and were granted a project


with subsidy of Rs.0.80 lakh and a bank loan of Rs.2.00 lakh from UCO Bank. They started the shop in 2013 after buying necessary items for the parlour and the tailor shop. Officials from SIRD were helpful in granting of the loan and all other associated tasks.

Beauty care and personal grooming business being on the ascendancy, there is a high demand for its services and, as a result, the shop now attracts many regular customers. The parlour now generates a monthly income of around Rs.9000/- which is shared by the duo in the ratio of 70:30.

Out of their income, the beneficiaries are able to regularly pay the monthly Bank installments of Rs.3300/- for the loan. Both of the women are very entrepreneurial and that is the reason for the continuing success of their business. They have inspired many other women in the nearby areas to take up beauty care as a profession. It is a chronicle of a true empowerment of women.

Ganga JLSG :

In response to promotional efforts of SIRD, S/Shri Bimal Das, Hemnata Das, Pabitra Das, and Munindra Das had formed a group in 2010 for setting up a Bakery Shop at Panigaon village of Telahi block. The project was sanctioned under CMJJSY by SIRD. The total project cost was Rs.4.00 Iakh. SIRD provided a subsidy of Rs.0.80 lakh while Assam Grameen Vikash Bank (AGVB) granted a loan of Rs.1.50lakh.

With the funds, the group established the shop and began selling bakery products. Slowly, demand for their product increased and they were able to earn a decent money from it. Maintaining a high quality standard for their products further boosted the demand. With steady income flows from growing sales, they have been able to pay the loan installments to the bank regularly. They mostly supply their products to the river island of Majuli,

which gives affords to them a niche market for their products.

The success did not cease with regular repayment of the loan installments. On the strength of the growing sales volume and steady income, the beneficiaries were able to buy a vehicle for delivering the products. Currently, they earn a net monthly income of Rs.42000/-. A part of it is deposited in a bank account for future contingencies and the balance has already swelled to a good level which they intend using for expanding their business and upgrading their workplace.

Achieving success in a traditional activity like bakery is an inspiring tale of entrepreneurship for others. At a time when our youths look for scarce jobs in the Government and private sectors, here are motivated people who have earned their livelihood through a practice.

Adarsha JLG :

Assam being primarily an agricultural economy, the demand for tractor is always there. The level of Farm Mechanization has increased over the years and in this in this context that Adarsha JLG was formed. Four youths from the village of Teji of Tinsukia district formed the group in the year 2012. They applied for a loan under CMJJSY schemes of SIRD and received a subsidy amount of Rs.1 .60 lakh. Central Bank of India also granted to them a loan of Rs.4.40 Iakh for repayment within a period of three years. The group also contributed Rs.2.00 lakh as its equity. They bought a tractor and soon began to cater to the farmers in nearby villages for ploughing and other activities by custom-hiring it. The demand is season-specific and understandably is very high during the Kharif season.

The group has divided the work between its members with each working shift-wise. The awareness for farm mechanization is high among the farmers in the district and most of them use


tractor to plough their land. Therefore, the demand for tractor of the group remains high during the agricultural seasons when the group earns a net monthly income of Rs.450001-. They regularly pay the monthly instalment of Rs.10000I- to the bank for loan instalments.

All the members have seen a sizeable change in their income status. Apart from working in their own field, the group members have an additional income now.

Arundhati JLG :

Shri Umananda Maran, Pallav Maran, Mahim Maran and Dueshar Maran were earning their livelihood from agriculture. Nevertheless, the idea of working as a group was working on their mind and they formed a JLG in October 2013. They applied for a

loan from SIRD and received a subsidy of Rs.1 .60 lakh. Central Bank of India also provided a term loan of Rs.4.40 lakh. With the fund available, they bought a tractor. Considering the high demand for tractors in ploughing agricultural land at villages, their business saw a great demand in Kharif and summer seasons. They divided the operation of tractor between themselves on a day-to-day basis. Apart from working in their agricultural land, they have an additional income now from the tractor.

SIRD provided training to the group and soon the group began to see a great change in their fortune. During season of high demand, they earn around Rs.22000/- a month. By their work, not only has the group benefitted financially, it has helped improving the level of farm mechanization in the villages.


A young boy from Goreswar, Dhanjit started selling vegetable in footpaths of Guwahati in 2011. Since then he has been facing many hurdles in this business. After getting the opportunity to get the Rickshaw under Pakgharaloi scheme of CM’s Jeevan Jyoti Swaniojan Yojana from Assam Government through SIRD,Assam, he has been utilizing this

Dhanjit Deka, Ganeshguri

rickshaw to sell vegetables in his preferred locations. He has received a sum of Rs 10,000 as loan from IDBI with Rs 10,000 as subsidy. Presently he used to stay in Ganeshguri flyover area and getting good response from customers. He earns a sum of Rs 300 to 400 per day by selling vegetables.

Under Chief Minister’s Jeevan Jyoti Swaniojan Yojana improved cart with accessories along with government subsidy and bank loan have been provided to the youth, road side vendors for marketing of agricultural products. One Mobile Vegetable and Fruit Cart having facilities of 3 wheeler cart, electronic balance, plastic crate, mobile hand set, two pairs of uniform, inverter, LED Lights etc. have been provided to the youth, vendors. 200 vegetables carts have been provided

Innovative activities under Chief Minister’s Jeevan Jyoti Swaniojan Yojana

to unemployed youth for selling fresh vegetables and fruits in vantage points of Guwahati. The institute selected 200 youth inviting applications from the youth by an advertisement published in local dailies. Cost of the cart Rs. 40,000.00 each which have been provided as a free support under Chief Minister’s Jeevan Jyoti Swaniojan Yojana to the vendors for marketing of fresh vegetables from the villages. Bank loan has been provided by the IDBI bank, Six Mile Branch.


Ganesh Nath, Hengerabari

Ganesh hails from Baihata Chariali. He has been involved in this business since last ten years and occupied footpaths in Hengrabari area. Now he is a proud owner of a rickshaw which he got under Pakgharaloi scheme of CM;s Jeevan Jyoti Swaniojan Yojana and received a sum of Rs 10,000

as loan from IDBI with Rs 10,000 as subsidy.. He has used the rickshaw in selling vegetables door to door. The women of the area often asks him to bring vegetables of their choice. At present his income is around Rs 12000 per month.

Hariprasad Thakuria, Bhetapara

Originally from Hajo Ramdia, Hariprasad started selling vegetables in the city since last 5 years. Presently staying at Milan Nagar, Lalmati and got this rickshaw under Pakgharaloi scheme of CM’s Jeevan Jyoti Swaniojan Yojana and received a sum of Rs 10,000 as loan from IDBI with Rs 10,000 as subsidy.. He mainly use his rikshaw in door to door household in his locality and monthly income is around Rs. 12000 .


Padum Saikia, Hengerabari

Azahar Ali, Hatigaon

In the year 2015 Padum Saikia received a Richshaw under “Pakgharaloi” from SIRD. In this scheme he received a rickshaw and Rs 10 thousand bank loan from IDBI and subsidy from government. He is also

Azahar Ali received this rickshaw under scheme “Pakgharaloi” of CM’s JJSY in the year 2015 from SIRD. He has received a sum of Rs 10,000 as loan from IDBI with Rs 10,000 as subsidy and every month he is paying some amount to bank to repay his loan. At present he is selling vegetables in his rickshaw and his average per day income is Rs 200.

paying Rs 900 per month to bank to repay his loan. At present he is selling vegetables in his rickshaw and his average per day income is Rs 250 to 300.

Prahlad Thakuria, BhetaparaReceived the rickshaw under Pakgharaloi scheme of CM’s Jeevan Jyoti Swaniojan Yojana, implemented by SIRD,Assam and received a sum of Rs 10,000 as loan from IDBI with Rs 10,000 as subsidy. Now selling vegetables in Bhetapara area of Guwahati and sells his vegetables in the road as well as roam through bylanes which helps housewives to purchase vegetables from him. He earns around Rs 10000 per month.

Bhubaneswar Deka, Wireless, DispurA young boy Bhubaneswar working as vegetable vendor near Dispur telecom office, wireless. He has been in this business since last ten years. Last year he got a rickshaw under Pakgharaloi scheme of CM’s Jeevan Jyoti Swaniojan Yojana and received a sum of Rs 10,000 as loan from IDBI with Rs 10,000 as subsidy. . Presently he is using this rickshaw to sell vegetables in the first half and roam around his neighbouring arears. In the evening he used to sell in the wireless point. His income from selling vegetables is aroung Rs 15000 per month.


Dwipen Kalita, Survey, Guwahati

Pankaj Das, Hengerabari

Khanindra Baishya, Rukmini Nagar, Last Gate Dandi Kalita, Hengerabari

Ratul Ali, Hengerabari

Dipankar Das, Hengerabari

Tarani Das, BhetaparaDwipen Kalita received this rickshaw under “Pakgharaloi” of CM’s Jeevan Jyoti Swanoijon Yojana in the year 2015 from SIRD and received a sum of Rs 10,000 as loan from IDBI with Rs 10,000 as subsidy. By selling vegetables in theSurvey to Wireless area he is earning around Rs 400 daily and started paying Rs 1000 per month to bank to repay his loan.

In the year 2015 Pankaj Das received this rickshaw under “Pakgharaloi” scheme of CM’s JJSY from SIRD,Assam. He has received a sum of Rs 10,000 as loan from IDBI with Rs 10,000 as subsidy. By selling vegetables every month he is paying Rs 1000 to bank to repay his loan.

Khanindra Baishya received a rickshaw under “Pakgharaloi” of CM’s JJSY implemented by SIRD,Assam, in the year 2015. He has received a sum of Rs 10,000 as loan from IDBI with Rs 10,000 as subsidy. By selling vegetables in Rukmininagar area and getting good response from customers and his average per day income is Rs 500. Now he is paying Rs 1000 every month to bank to repay his loan.

Dandi Kalita received the rickshaw under “Pakgharaloi” scheme of CM’s Jeevan Jyoti Yojana in the year 2015 from SIRD. Under this scheme he received a Rs 10 thousand as loan from IDBI bank and Rs 10,000 as subsidy from government. Now running his business in Hengrabari area he is earning a sum of Rs 500 daily and he is paying Rs 1000 to bank to repay his loan.

Ratul Ali received this rickshaw under “Pakgharaloi” scheme of CM’s JJSY in the year 2015 from SIRD. Under this scheme he also received Rs 10 thousand as subsidy from government and Rs 10 thousand as loan from IDBI Bank and now every month he is paying Rs 1000 to bank to repay his loan. At present he is selling vegetables in his rickshaw and his per day income is Rs 800 to 1000. Though he already had a vegetable shop but after getting this rickshaw he can earn little more extra income from vegetable selling.

With the help of SIRD Dipankar Das received this rickshaw under “ Pakgharaloi” scheme of CM’s Jeevan Jyoti SY in the year 2015. He has received a sum of Rs 10,000 as loan from IDBI with Rs 10,000 as subsidy and now he is selling vegetables at Ganeshguri- Hengrabari road and earning about Rs 400 per day. He has started paying Rs 1000 per month to bank to repay his loan.

Tarani Das received this rickshaw under “Pakgharaloi’ scheme of CM’s jeevan jyoti swaniojan yojana in the year 2015 from SIRD and received a sum of Rs 10,000 as loan from IDBI with Rs 10,000 as subsidy. By selling vegetable in the Bhetapara area he is earning about Rs 300 per day and every month he is paying Rs 1000 to bank to repay his loan.


As instructed by the State Government, the institute has renewed the MoU with Oil India Ltd. for promotion of livelihoods in oil operated areas of Tinsukia, Dibrugarh and Sivsagar districts under the Corporate Social Responsibility project of Oil India Ltd. with the project titled Rupantar. The Oil India Ltd has been providing financial support to the SIRD for assisting the youth, women in the Joint Liability Groups to take up productive income generating activities for their self employment. The SIRD has been organising the training programmes for these youth and subsequently provided bank loan with subsidy. Every year 500 groups have been developed and provided managerial and skill development training and subsequently provided bank loan support by subsidy and other entry point support. Since inception, More than 13000 families have been assisted under the project. Each year around 4000 families have been assisted under the project Rupantar through SHGs. The OIL, Duliajan has also been extending financial support for running the Extension Centre at Duliajan and providing the required infrastructure support. With the help of the Oil India Ltd., the institute has been able to organise various training programmes through this Extension Centre for different clientele groups.

Besides provide self employment activities to the unemployed youth, women etc. the Oil India Ltd. has also been providing financial support to organise computer education to the school level students and adult education to the adult persons. The project is called DIKHYA with the following objectives:

• To impart computer education to the students of selected schools in the rural areas.

• To empower the youth in rural communities with computer education.

Joint effort with Oil India Ltd.• To examine and evaluate the progress of these

students.

• To build self esteem and integrity.

• To reduce digital divide between urban and rural areas.

• Students will demonstrate their ability to adapt to a rapidly changing environment by having learned and applied new skills and new technologies.

During the year the institute organised computer literacy programmes in 6 (six) schools in different districts covering 2100 students. The training was given to class VI, VII and VIII students with the module developed to deliver sound and qualitative computer literacy education to the students. Each class is taken for 2 hours every day so that the students can get 64 hours of computer education training. ToT programmes were also organised for the Master Trainers involved for imparting training in the school.

Another component of the project is to organise adult literacy programme for the aged persons of the villages of three Oil India Ltd operated districts with the following objectives:

• To impart education to the adults in selected rural areas.

• To empower the adults in rural communities with proper education.

• To examine and evaluate the progress of these adults.

• To build self esteem and integrity.

• To achieve full literacy in upper Assam.

• To empower Zilla Parishads, Panchayats.

The Master Trainers have been imparted ToT programmes by Adult Education Department


with a syllabus of the Adult Literacy Education is designed on the Adult Literacy Education of Government of Assam. The adult education is also a mobile education along with white boards, marker, teaching materials. Participants are provided books, bags, file cover, slate, pencil, pen etc. with DA to encourage the people to join the adult literacy. 300 persons have been covered in the adult literacy programmes organised in six locations.

Monitoring:

The institute involved an organisation to under the evaluation of the groups so assisted under the project Rupantar. Each and every group / individual have been evaluated to get the first hand information on the sustainability of the activity, economic upliftment, social upliftment, etc. In the evaluation report, it has been found that more than 70% of the groups are doing good business through the activities.


SIRD Assam

Documents

2015-162015-16sird.assam.gov.in/sites/default/files/Annual Report_2015...SIRD Assam Annual ReportAnnual Report 2015-162015-16 STATE INSTITUTE OF RURAL DEVELOPMENT, ASSAM G. S. ROAD,