Financial Inclusion of

Minorities: Presented by: Society for

Human Transformation and Research

Agenda:

• Chapter-1: ECONOMIC DEVELOPMENT &WOMEN EMPOWERMENT

• Chapter-2 EDUCATIONAL DEVELOPMENT

• Chapter-3 : INFRASTRUCTURE AND DEVELOPOMENT

• Chapter-4: GOVERNMENT SCHEMES FOR SELF EMPLOYMENT & FINANCIAL SUPPORT

Chapter-1 ECONOMIC DEVELOPMENT

& WOMEN EMPOWERMENT

ECONOMIC DEVELOPMENT & WOMEN EMPOWERMENT

The UN(United Nation) defines Women Empowerment as

• A women’s sense of self-worth; their right to have and to determine choices; their right to have access to opportunities and resources; their right to have the power to control their own lives, both within and outside the home; and their ability to influence the direction of social change to create a more just social and economic order, nationally and internationally.

WHY WOMEN EMPOWERMENT

• Women's Empowerment and achieving gender equality is essential for our society to ensure the Sustainable Development of the country.

• To get rid of the Poverty.

• To promote an Holistic Development to the Society.

• To rule out the danger of Under – Employment and Unemployment.

• To curb the corruption in the society.

INDIAN POPULATION SCENARIO - 2019

• The population of India is 1.37 billion for the FY19, based on Worldometers elaboration of the latest United Nations data.

• India population is equivalent to 17.71% of the total world population.

• http://statisticstimes.com/demographics/sex-ratio-of-india.php

Sex Ratio (Males vs Females)

Males Male % Females Female %

Total

Population

(2020)

Sex Ratio

(males to

females)

71,71,00,970 0.5196 662903415 0.4804 1380004385 1.08

http://statisticstimes.com/demographics/sex-ratio-of-india.phphttp://statisticstimes.com/demographics/sex-ratio-of-india.phphttp://statisticstimes.com/demographics/sex-ratio-of-india.phphttp://statisticstimes.com/demographics/sex-ratio-of-india.phphttp://statisticstimes.com/demographics/sex-ratio-of-india.phphttp://statisticstimes.com/demographics/sex-ratio-of-india.phphttp://statisticstimes.com/demographics/sex-ratio-of-india.php

SCHEMES FAVORING WOMEN EMPOWERMENT

SCHEME 1. SEEKHO AUR KAMAO (LEARN & EARN )

SCHEME 2. USTTAD

SCHEME 3. NAI MANZIL

SCHEME 4. NAI ROSHNI

SCHEME 1. SEEKHO AUR KAMAO

• This is a Skill Development Programme

linked with placement of Minorities. It was launched in 2013-14 by the Ministry of Minority Affairs, Government of India., New Delhi.

• It targets the youth from 14-35 years of age

Continued….

Contd.

• Under the scheme, the projects are implemented by selected Project Implementing Agencies (PIA), selected by Ministry of Minority Affairs, Govt. of India.

• The PIA’s are required to guarantee a minimum of 75% of trainees, placement with minimum 50% in Organized sector.

OBJECTIVES OF SCHEME: SEEKHO AUR KAMAO

• It targets the youth from 14-35 years of age and aims to improve employability of existing workers, school dropouts etc. belonging to minority communities and ensure their placement.

• To bring down unemployment rate of minorities during 12th plan period.

Continued….

Contd. • To conserve and update traditional skills of

minorities and establish their linkages with market.

• To generate means of better livelihood for marginalized minorities and bring them in the mainstream.

• To enable minorities to avail opportunities in the growing market.

• To develop potential human resource for the country.

COMPONENTS OF SCHEME: SEEKHO AUR KAMAO

A. Placement linked skills training program for modern trades:

• Each participant to undergo training based on his/her aptitude and capability to be selected from the options of sector specific Vocational Skills Program available under this programme.

Continued….

Contd.

• The training programme includes soft skills training, basic IT training and Basic English training.

• The training programmes are to be a minimum 3 months duration.

• The focus of this programme is that the training should result in gainful and sustainable employment for the youth.

COMPONENTS OF SCHEME: SEEKHO AUR

KAMAO

B. Skill training program for traditional trades:

• The focus of this programme is that the activities should result in creation of self help groups of skilled youth with access to funds for establishment and operation thereby ensuring income enhancement for the youth.

Continued….

Contd. • The programmes are to be of minimum 2 months

duration and a maximum of 1 year depending upon the selected trade.

• Ministry of Minority Affairs to take up skill development programme for Modular Employable Skills (MES) which are approved by National Council of Vocational Training (NCVT).

https://www.youtube.com/watch?v=Nrte9xUIHVs

https://www.youtube.com/watch?v=Nrte9xUIHVs

SCHEME 2. USTTAD

• A new initiative USTTAD (Upgrading the Skills and Training in Traditional Arts/ Crafts for Development) aims to preserve rich heritage of traditional skills by building capacity of traditional artisans/craftsmen, standardization of the traditional arts/crafts, their documentation, design development and establishing market linkages.

OBJECTIVES OF THE SCHEME : USTTAD

• To build capacity of master craftsmen/artisans and training of young generation through the master craftsmen/ artisans for traditional arts/crafts.

• To set up standards of identifies arts/crafts and their documentation.

• To preserve rich heritage of the traditional arts and crafts of minorities.

Continued….

Contd. • To establish linkages of traditional skills with

the global market.

• To improve employability of existing workers, school dropouts etc.

• To generate means of better livelihood for marginalized minorities and bring them in the mainstream.

• To recognize talented Master Craftsmen & Artisans.

Continued….

Contd. • To showcase traditional arts & craft skills

including culinary skills through exhibitions, which will also provide a platform for business opportunities.

• To enable minorities to avail opportunities in the growing market.

• To ensure dignity of labour.

• To design development and Research in traditional arts/crafts.

SCOPE OF THE SCHEME: USTTAD • The scheme will aim at capacity building and updating the

traditional skills of master craftsmen/artisans. These trained master craftsmen/artisan will train the minority youths in various specific traditional arts/crafts.

• Ministry of Minority Affairs will take up this skill development programme for all important traditional arts/crafts being practiced by minority communities, for their development and market linkages and recognition of talented master Craftsmen/Artisans.

• https://www.youtube.com/watch?v=bbwXbZEsOx8

https://www.youtube.com/watch?v=bbwXbZEsOx8

SCHEME 3 : NAI MANZIL

• Nai Manzil is a new initiative of the Ministry of Minority Affairs, Govt. of India, launched on 8th August, 2015.

• This Scheme has been approved with a cost of Rs.650.00 Crores for five years with 50% funding from the World Bank.

Contd.

• The scheme is implemented on ground by the Project Implementing Agencies (PIAs).

• Total physical target of training under this Scheme is approximately 100,000 minority candidates phased over the implementation period of 5 years.

OBJECTIVES OF THE SCHEME : NAI MANZIL

• The objective of the Scheme is to provide education and market-driven skills training for targeted youth from Minority communities.

• The scheme offers non residential integrated

education and skill training for 9 to 12 months, of which 3 months are devoted to skill training.

Continued….

Contd.

• The Scheme aims to benefit the minority youth who do not have formal School Leaving Certificate, i.e. those in the category of School-dropouts or educated in the community education institutions like the Madarsas, in order to provide them formal education and skills, and enable them to seek better employment in the organized sector and thus to equip them for better lives.

BENEFICIARIES COVERED: NAI MANZIL

• The trainee should belong to Minority community as notified under National Commission for Minorities Act 1992 (viz. Muslims, Christians, Sikhs, Buddhists, Jains and Parsis).

• The trainee should be between 17-35 years of age.

• The trainees should belong to Below Poverty Line (BPL) population both from urban and rural areas.

ELIGIBILITY CRITERIA: NAI MANZIL

• For Class VIII Bridge Program (OBE Level C): Candidate should possess Class V pass or failed school leaving certificate or equivalent of education or provide self- certificate stating his/her capability to pursue this course. Candidate should fulfill the minimum age as prescribed by NIOS or equivalent board to pursue the course.

Continued….

Contd. • For Class X Bridge Program (Secondary Level Examination

Program): Candidate should possess Class VIII pass school leaving certificate or equivalent of education or provide self-certificate stating his/her capability to pursue this course. Candidate should fulfill the minimum age as prescribed by NIOS or equivalent board to pursue the course.

• Application Process: Eligible minority youth is required to approach the empanelled PIAs. The list of empanelled PIAs is available on the Ministry’s website i.e. www.minorityaffarirs.gov.in

https://youtu.be/cMVnjydveOs

https://youtu.be/F_VUewr52rY

http://www.minorityaffarirs.gov.in/http://www.minorityaffarirs.gov.in/http://www.minorityaffarirs.gov.in/http://www.minorityaffarirs.gov.in/http://www.minorityaffarirs.gov.in/http://www.minorityaffarirs.gov.in/http://www.minorityaffarirs.gov.in/https://youtu.be/cMVnjydveOshttps://youtu.be/cMVnjydveOshttps://youtu.be/cMVnjydveOshttps://youtu.be/cMVnjydveOshttps://youtu.be/cMVnjydveOshttps://youtu.be/F_VUewr52rYhttps://youtu.be/F_VUewr52rYhttps://youtu.be/F_VUewr52rYhttps://youtu.be/F_VUewr52rYhttps://youtu.be/F_VUewr52rYhttps://youtu.be/F_VUewr52rYhttps://youtu.be/F_VUewr52rY

SCHEME 4 : NAI ROSHNI

• The Ministry of Minority Affairs, Govt. of India started “Nai Roshni”, programme in 2012-13 for Women Empowerment and Leadership Development for Minority Women in India.

Continued….

Contd.

• This programme is run with the help of NGOs, Civil Societies and Government Institutions all over the country. It includes various training modules like Leadership of women, Educational Programmers, Health and Hygiene, Swachch Bharat, Financial Literacy, Life Skills, Legal Rights of Women, Digital Literacy and Advocacy for Social and behavioral change etc.

OBJECTIVES OF THE SCHEME : NAI ROSHNI

• The objective of the scheme is to empower and instill confidence among minority women, including their neighbors from other communities living in the same village/locality, by providing knowledge, tools and techniques for interacting with Government systems, banks and other institutions at all levels.

Continued….

Contd.

• This scheme also permits a mix of women from Non-minorities community but not exceeding 25% of a project group Efforts shall also be made to persuade Elected Women Representatives (EWRs), from any community, under the Panchayati Raj institutions to be included as a trainee.

ELIGIBILITY AND DURATION: NAI ROSHNI

• This scheme is applicable on women within the age group of 18 to 65 years.

• Duration of course for Non-Residents is 6 days for 25 women and for Residential is 5 days for 25 women.

• The Scheme also stipulates for economic empowerment of the trainee women so that they ultimately become independent and confident members of the society.

Continued….

Contd.

• Target Group includes women belonging to all minorities notified under Section 2 (c) of the National Commission for Minorities Act, 1992 viz. Muslim, Sikh, Christian, Buddhist, Zoroastrian (Parsis) and Jain. Efforts should be made by the Organization for having a representative mix of women from SCs/STs/OBCs..

IMPLEMENTATION: NAI ROSHNI

• This scheme is implemented through

Registered Societies/ Trusts (registered with NITI Aayog) and other Government Institutions. Project Implementing Agencies can apply online on Nai Roshni Portal- www.nairoshnimoma.gov.in

• https://www.youtube.com/watch?v=V69HnWXVk7U

https://www.youtube.com/watch?v=V69HnWXVk7Uhttps://www.youtube.com/watch?v=V69HnWXVk7Uhttps://www.youtube.com/watch?v=V69HnWXVk7Uhttps://www.youtube.com/watch?v=V69HnWXVk7Uhttps://www.youtube.com/watch?v=V69HnWXVk7Uhttps://www.youtube.com/watch?v=V69HnWXVk7Uhttps://www.youtube.com/watch?v=V69HnWXVk7Uhttps://www.youtube.com/watch?v=V69HnWXVk7Uhttps://www.youtube.com/watch?v=V69HnWXVk7Uhttps://www.youtube.com/watch?v=V69HnWXVk7Uhttps://www.youtube.com/watch?v=V69HnWXVk7U

Chapter-2

EDUCATIONAL DEVELOPMENT

35

INTRODUCTION

• Education is the single most important instrument for social and economic transformation.

• A well educated population adequately equipped with knowledge and skill is not only essential to support economic growth but is also a precondition for growth for employment.

36

• Educational Development -

is a sub-discipline of higher education research and practice. Specifically, it is about, supporting and enhancing the design and development of high quality student learning experiences. Promoting scholarship for teaching, learning and research into higher education goals and practices.

37

SCHEMES FOR MINORITY COMMUNITIES

• Keeping this in mind, the Ministry of Minority Affairs, Govt. of India has evolved many schemes, to ensure the Educational Development of Minority Communities in India.

SCHEME 1. NAYA SAVERA

SCHEME 2. NAI UDAAN

SCHEME 3. PADHO PARDESH

SCHEME 4. SCHOLARSHIP SCHEMES

SCHEME 5. MAULANA AZAD NATIONAL FELLOWSHIP 38

SCHEME 1: NAYA SAVERA • What: Free Coaching and Allied Scheme for the

Candidates/Students Belonging to Minority Communities.

• Objectives: Qualifying examinations for admission in-

• Technical/ professional courses

• Language/aptitude examinations for admission in foreign Universities and Competitive examinations for recruitment to Group 'A' , 'B' and 'C' services and other equivalent posts under the Central and State Governments.

39

ELIGIBILITY CRITERIA FOR

CANDIDATES:

1. Candidates must have secured the requisite percentage of marks in the qualifying examination prescribed for admission into the desired courses/recruitment examinations.

2. Candidates belonging only to the notified Minority Communities, having total family income from all sources not exceeding Rs.6.00 lakhs per annum.

Continued……

40

Contd.

3. Benefits of coaching under the scheme can be availed by a particular student only once (except residential coaching programme for preparation of Civil Service Exams).

The coaching institution will take an Affidavit from the student that he/she has not taken any benefit under this Scheme.

Continued……

41

4. In respect of residential coaching for preparation of Civil Service Exams, benefit of the scheme can be availed by a particular student maximum two times.

5. Students who have taken residential coaching for

composite preparation Civil Services exam will not be eligible to get benefit under "Nai Udaan" Scheme of the ministry.

Continued……

42

Contd.

6.Students/Candidates covered under the scheme shall have to attend all classes.

In the event of any student remaining absent for more than 15 days, without any valid reason or leaving the coaching midway, the entire expenditure incurred on the candidate will be recovered from the institute/student/candidate concerned.

Continued……

43

Contd.

Contd. 7. Thirty percent(30%) of the numbers sanctioned

for coaching shall be earmarked for girl students/candidates.

In case, the sufficient number of eligible female candidate/ students are not available the remaining slots will be filled by male students/candidates with prior permission/intimation to the Ministry.

44

ADMISSIBLE COACHING FEE

Residential Coaching Programme: :

Rs. 1.00 Lakh per student for

composite preparation

Group ‘A’ Services Maximum Rs. 50,000/-

Group ‘B’ Services Maximum Rs. 30,000/-

Group ‘C’ Services Maximum Rs. 30,000/-

Entrance examination for

Technical/Professional

courses

Maximum Rs. 50,000/-

45

FUNDING

• The Ministry of Minority Affairs will fund the entire expenditure of coaching provided to selected minority students as per the terms and conditions of the Scheme.

• The grants will be provided on per student cost basis.

• The amount of coaching fee for the programme awarded to the institution/ organization will be released to the coaching institutions / organization in two installments every year.

• Link is available on www.minorityafffairs.gov.in • https://youtu.be/yDhBzbtTI2o

46

https://youtu.be/yDhBzbtTI2o

SCHEME 2. NAI UDAAN

• What: For Coaching to meritorious Science Students, and Students Clearing Preliminary Conducted by UPSC, SSC, State Public Service Commission, etc.

• Objectives:

The objective of the Scheme is to provide financial support to the minority candidates clearing prelims conducted by Union Public Service Commission, Staff Selection Commission and State Public Service Commissions.

Increase the representation of the minority in the Civil Services

47

ELIGIBILITY: NAI UDAAN

1. Total family income of the candidates from all sources should not exceed Rs. 6.00 lakhs per annum.

2. The financial support can be availed by a candidate only once.

3. Physical target under the scheme is 2000 candidates per year.

48

Cost/Number of Beneficiaries:

49

THE RATE OF FINANCIAL ASSISTANCE WILL BE AS UNDER:-

Students can apply online on “Nai Udaan” portal i.e.

www.naiudaan-momo.gov.in

https://youtu.be/_K5rgcI_CAg

50

http://www.naiudaan-momo.gov.in/http://www.naiudaan-momo.gov.in/http://www.naiudaan-momo.gov.in/https://youtu.be/_K5rgcI_CAg

SCHEME 3. PADHO PARDESH • What: Interest Subsidy on Educational loans for

Overseas Studies.

• Objective:

• The objective of the scheme is to award interest subsidy to meritorious students belonging to economically weaker section of notified minority communities notified under section 2 (c) of National Commission for Minorities Act, 1992 on the interest payable for the period of moratorium for the Educational Loans for overseas studies to pursue approved courses of studies abroad at Masters and Ph. D levels.

51

ELIGIBILITY:

1. The student should have secured admission in the approved courses at Masters, M.Phil. or Ph.D. levels abroad.

2. He/She should have availed loan from a scheduled bank under the Education Loan Scheme of the Indian Banks Association (IBA) for the purpose.

3. Total income of candidate / family from all sources should not exceed Rs. 6.00 lakh per annum.

Continued……

52

Contd.

4.Contact Scheduled bank in your neighborhood.

5. Physical target under the scheme is 400 fresh candidates (in addition to renewals) per year for 2017-18, 2018-19 & 2019-20.

6. Thirty five percent (35%) slots are earmarked for girl students.

Details available on Ministry’s website i.e. www.minorityaffairs.gov.in

https://www.youtube.com/watch?v=laIVVQA3m08

53

http://www.minorityaffairs.gov.in/http://www.minorityaffairs.gov.in/http://www.minorityaffairs.gov.in/http://www.minorityaffairs.gov.in/http://www.minorityaffairs.gov.in/http://www.minorityaffairs.gov.in/http://www.minorityaffairs.gov.in/https://www.youtube.com/watch?v=laIVVQA3m08

SCHEME 4. SCHOLARSHIP SCHEMES

A. SCHEME OF ‘PRE-MATRIC SCHOLARSHIP’ FOR STUDENTS BELONGING TO THE MINORITY COMMUNITIES FOR 2017-20.

OBJECTIVE:

The scholarship at pre-matric level will encourage parents from minority communities to send their school going children to school, lighten their financial burden on school education and sustain their efforts to support their children to complete school education.

54

ELIGIBILITY

• Scholarship will be awarded to the

students who have secured not less than 50% marks in the previous final examination and annual income of their parents/guardian from all sources does not exceed Rs. 1.00 lakh.

55

CONDITIONS: • Scholarship will be available to the students of

minority community studying in Classes I to X.

• An Income Certificate, issued from a Competent Authority in the State/UT Governments is required in respect of parent/guardian of the student.

• A Self-Certified Community Certificate is required from the student who has attained 18 years of age. For others the Community Certificate certified by parent/guardian of the student is required.

56

Continued…. • The continuance of award (for Renewal

applicants) will be subject to securing 50% marks in the previous year’s examination (provided the students pursues the same course and same Institute/School).

• Maintenance allowance will be provided to hostellers and day scholars.

• Scholarship will not be given to more than two students from a family (applicable for all Scholarship schemes meant for minorities under this Ministry taken together).

57

Continued……

• A student shall be eligible for only one scholarship out of all the available Scholarships of Central Government meant for SC/ST/OBC/ minority.

58

MODE OF APPLYING

• The scheme is implemented through the National Scholarship Portal (NSP). It is mandatory for all students to apply online on the website i.e. www.scholarships.gov.in.

• Pattern of Financial Assistance: The scheme is Central Sector Scheme and 100% funding is provided by the Ministry of Minority Affairs.

59

B. SCHEME OF ‘POST-MATRIC SCHOLARSHIP’ FOR STUDENTS BELONGING TO THE MINORITY COMMUNITIES

SUMMARY

• OBJECTIVE:

The objective of the scheme is to award scholarships to meritorious students belonging to economically weaker sections of minority community so as to provide them better opportunities for higher education increase their rate of attainment in higher education and enhance their employability.

60

ELIGIBILITY:

• Scholarship will be awarded to the students who have secured not less than 50% marks or equivalent grade in the previous final examination and the annual income of whose parents/guardians from all sources does not exceed Rs.2.00 lakh.

61

CONDITIONS FOR SCHOLARSHIP: • Scholarship will be awarded to the students studying

in Classes XI and XII including technical and vocational courses of this level including Polytechnics, ITIs, and other courses.

• An Income Certificate, issued from a Competent Authority in the State/UT Governments is required in respect of parent/guardian of the student.

• A Self-Certified Community Certificate is required from the student who has attained 18 years of age. For others the Community Certificate certified by parent/guardian of the student is required.

62

Continued…. • The continuance of award (for Renewal applicants) will

be subject to securing 50% marks in the previous year’s examination (provided the students pursue the same course and same Institute/School).

• Maintenance allowance will be provided to hostellers and day scholars.

• Scholarship will not be given to more than two students from a family (applicable for all Scholarship schemes meant for minorities under this Ministry taken together).

• A student shall be eligible for only one scholarship out of all the available Scholarships of Central Government meant for SC/ST/OBC/ minority.

63

DURATION:

The scholarships shall be provided for the entire course of the academic year. Maintenance allowance will be given as fixed lump sum amount in an academic year.

Mode of Applying:

The scheme is implemented through the National Scholarship Portal (NSP). It is mandatory for all students to apply online on the website i.e. www.scholarships.gov.in.

64

http://www.scholarships.gov.in/http://www.scholarships.gov.in/http://www.scholarships.gov.in/http://www.scholarships.gov.in/http://www.scholarships.gov.in/http://www.scholarships.gov.in/http://www.scholarships.gov.in/

Pattern of Financial Assistance:

The scheme is Central Sector Scheme and 100% funding is provided by the Ministry of Minority Affairs, Govt. of India.

65

C. SCHEME OF ‘MERIT CUM MEANS BASED SCHOLARSHIP’ FOR STUDENTS BELONGING TO THE MINORITY COMMUNITIES

OBJECTIVE:

• The objective of the Scheme is to provide financial assistance to the poor and meritorious students belonging to minority communities to enable them to pursue professional and technical courses.

66

DURATION:

• Scholarship will be provided for the entire academic year/course. Similarly, the maintenance allowance will be given as fixed lump sum amount for an academic year (Rs. 10,000/- for Hosteller and Rs. 5,000/- for Day Scholar).

67

Rate of Scholarship:

68

Item Existing (2012-17)

Rate of Scholarship- Course Fee Rs. 20,000/- per annum subject

to actuals whichever is less (for

both Hosteller & Day Scholar)

Maintenance Allowance Rs. 1,000/- per month* for

Hosteller Rs. 500/- per month*

for Day Scholar

Scholarship for listed institutes Full course fee is reimbursed for

85 listed Institutes.

Conditions of Scholarship: • Students who get admission to a college to

pursue technical/professional courses, on the basis of a competitive examination will be eligible for the scholarship.

• Financial assistance will be given to pursue graduate level or post graduate level technical and professional courses from a recognized institution Admission and Course fee and Maintenance allowance for the year of scholarship will be credited/ transferred directly into the bank account of selected students.

69

Continued…. • Students who get admission in technical/professional

courses without taking any competitive examination will also be eligible for scholarship. However, such students should have secured not less than 50% marks in last qualifying exam at higher secondary/graduation level in case of Fresh Scholarship only. Selection of these students will be done strictly on merit basis

• Maintenance allowance will be provided to hostellers and day scholars.

• The award will be discontinued if a student fails to secure 50% marks in the previous annual examination (as stated in para-vi above).

70

CONTINUED

• Scholarship will not be given to more than two students from a family (applicable for all three Scholarship schemes meant for minorities under this Ministry taken together).

• Students should be regular in attendance for which the yardstick will be decided by the competent authority of the institutions. .

• A student shall be eligible for only one scholarship out of all the available Scholarships of Central Government meant for SC/ST/OBC/minority.

71

ELIGIBILITY:

• Scholarship will be awarded to the students who have secured not less than 50% marks or equivalent grade in the previous final examination and the annual income of whose parents/guardians from all sources does not exceed Rs.2.50 lakh.

• A student shall be eligible for only one scholarship out of all the available Scholarships of Central Government meant for SC/ST/OBC/minority.

72

SCHEME 5. MAULANA AZAD NATIONAL

FELLOWSHIP SCHEME FOR MINORITY STUDENTS

• The Maulana Azad National Fellowship (MANF) scheme for Minority Students was launched on 11th April, 2009.

OBJECTIVE: The objective of the scheme is to provide integrated

five year fellowships in the form of financial assistance to students from minority communities, as notified by the Central Government to pursue higher studies such as M.Phil. and Ph.D. at Indian Universities/Institutions/Colleges as indicated below:

Continued…… 73

Contd.

• Universities/Institutions/Colleges included under section 2(f) of UGC Act.

• Deemed to be Universities included under Section 3 of the UGC Act, 1956 and eligible to receive grants-in-aid from UGC,

74

ELIGIBILITY: A candidate has to fulfill the following conditions to be eligible

for award of this fellowship:-

1) Prior clearance of CBSE/NTA-UGC-NET/ CSIR-NET examination will be a prerequisite for the award of fellowship.

2) Candidate should belong to one of the minority communities – Muslim, Christian, Sikh, Buddhist, Parsi & Jain notified under Section 2 (c) of the National Commission for Minorities Act, 1992.

3) Candidate should submit the minority community certificate on an actionable and legally valid affidavit, until the State Government/Union Territory administration starts to issue the minority community certificate.

Continued……

75

Contd. 4) Candidate should be registered for regular and full time

M.Phil/Ph.D courses in University/Academic Institution by fulfilling conditions of admission of that University/Institution.

5) The annual income of the beneficiary/parents or guardian of the

beneficiary should not exceed Rs. 6.0 lakh per annum from all sources. Candidate should submit his/her income or his/her parent’s/guardian’s income certificate issued by the appropriate Authority.

6) The candidate should have secured a minimum score of 55% at

Post Graduate level. 7) Transgender candidates are eligible to apply under the scheme.

The reservation shall be followed as per Government of India norms.

76

Reservation:

• The reservation for differently abled students shall be made as per Government of India norms and in a horizontal manner. “30% of fellowship shall be earmarked for women students; remaining 70% will be general.”

• In case there is shortage of women candidates, the fellowships can be passed on to male students of the same minority community.

77

Chapter-3 INFRASTRUCTURE

AND DEVELOPOMENT

NEED FOR INFRASTUCTURE DEVELOPMENT

Mr. Manmohan Singh, Indian Prime Minister,

Expanding investment in infrastructure can play an important counter cyclical role. Projects and programmes are to be reviewed in the area of infrastructure development, including pure public private partnerships, to ensure that their implementation is expedited and does not suffer from the fund crunch.”

IMPORTANT CONSTITUENTS OF INFRASTRUCTURE

• Power and the source of its production, such as, coal and oil.

• Roads and road transport.

• Railways.

• Communication, especially telecommunication;

• Ports and airports.

• For agriculture, irrigation constitutes the important infrastructure.

BENEFITS OF INFRASTRUCTURE

• Good quality of infrastructure leads to faster and inclusive economic growth. Inclusive growth leads to alleviation of poverty and reduction in income inequality in India.

• Large-scale firms can even locate themselves near ports and near transport hubs where required infrastructure is available. This helps in generating employment.

Continued….

Contd.

• Through building up general infrastructure facilities helps the small enterprises to compete successfully with large-scale industries and being labour-intensive generate large employment opportunities for the workers.

• The expansion in infrastructure facilities such as irrigation, rural electrification, roads and road transport will promote agricultural growth and setting up of agro-processing industries.

• The availability of good quality infrastructure raises productivity levels in the economy and brings down costs of the enterprises.

GOVERNMENT IS COMMITTED TO PPP MODE- WHY?

• Maximizing investment

• Budgetary constraints

• Development of assets of world class standards

• Improved maintenance and management of assets

• Provision of efficient services

• Affordable prices through greater competition

Multi-Sectoral Development Programme (MsDP)

• ‘Development Deficits'

• Core Schemes under National Development Agenda

• Programme launched in 2008-09 in 90 Minority Concentration Districts

• MsDP restructured and renamed as Pradhan Mantri Jan Vikas Karyakram (PMJVK)

Continued….

Contd.

• Restructured scheme implemented during 14th Finance Commission i.e. March 31, 2020

• Pradhan Mantri Jan Vikas Karyakram (PMJVK) provide better socio economic infrastructure facilities to the minority communities in the field:

Education, Health & skill.

• Development lead to lessening gap between the national average and the minority communities with regard to backwardness parameters.

GUIDELINES FOR IMPLEMENTATION (PMJVK)

• Initially, the MsDP scheme was launched in the 90 Minority Concentration Districts of the country

• Scheme was restructured during 2013-14

• Planning for implementation was changed to Minority Concentration Blocks (MCB), Minority Concentration Towns (MCT) and Clusters of Minority Concentration Villages (COV).

OBJECTIVES

• PMJVK support the projects sanctioned under Multi Sectoral Development Programme (MSDP)

• PMJVK continue to be implemented in Minority Concentration Blocks (MCB), Minority Concentration Towns(MCT) and Clusters of Minority Concentration Villages (COV)

• MCBs, MCTs, MCD Hqs and COVs for implementation of PMJVK will be known as Minority Concentration Areas (MCA)

Continued….

Contd.

• PMJVK aims at improving socio-economic conditions of the minorities and providing basic amenities to them for improving quality of life of the people and reducing imbalances in the identified minority concentration areas

• Scheme continue to address the development deficits only in the identified Minority Concentration Areas (MCA) through filling the gaps of existing schemes .

Continued….

Contd.

• Holistic development of the Minority Communities, 80% of the resources under this programme would be utilized for projects related to education, health and Skill of which atleast 33-40% will be earmarked for creation of assets/facilities for women/girls

• Continued….

Contd.

• National Commission for Minorities Act, 1992 would be taken as Minority Communities

• At present 6 (six) communities namely Muslims, Sikhs, Christians, Buddhists, Zoroastrians (Parsis) and Jains

AS PER CENSUS 2011

MINORITIES PERCENTAGE

Muslims 14.2%

Christians 2.3%

Sikhs 1.7%

Buddhists 0.7%

Jain 0.4%

Parsis 0.006%

TOTAL 19.3%

OBJECTIVES

• PMJVK support the projects sanctioned under erstwhile Multi-sectoral Development Programme (MsDP)

• PMJVK continue to be implemented in MCBs, MCTs and COVs

SCHEME 2 : HAMARI DHAROHAR

• Scheme to preserve Rich Heritage of Minority Communities of India under the Overall Concept of Indian Culture.

• Scheme aims to support curation of iconic exhibitions, calligraphy, research and development.

OBJECTIVES

• To Select, Organize and Look after (Curate) the rich heritage of minorities under overall concept of Indian Culture.

• Organizing iconic exhibitions.

• Preservation of literature/ documents etc.

• Support and promotion of calligraphy etc.

• Research and Development.

ACTIVITIES COVERED UNDER THE SCHEME

• Curating exhibitions including iconic exhibitions / Performing art for showcasing and preserving heritage.

• Support and promotion of calligraphy etc.

• Preservation of literature, documents,

manuscripts etc. Continued….

Contd.

• Documentation of oral traditions and art forms.

• Support to ethnic museums (not supported under schemes of Ministry of Culture or its bodies) for showcasing and preserving heritage of minority communities.

Continued….

Contd.

• Support for organizing heritage related seminars/workshops.

• Fellowship for research in preservation of heritage and development.

• Any other support to individual/ organization in furtherance of cause of protection.

Continued…

Contd.

• Promotion of rich heritage of minority communities.

• Support to ethnic museums (not supported under schemes of Ministry of Culture or its bodies) for showcasing and preserving heritage of minority communities.

• Support for organizing heritage related seminars/workshops.

Continued…

Contd. • Any other support to individual/

organization in furtherance of cause of protection and promotion of rich heritage of minority communities.

• Fellowship for research in preservation of heritage and development.

Continued…

PROJECTS UNDERTAKEN SO FAR

• The Everlasting Flame

• Project implemented by Dairatul Maarifil Osmania, Osmania University

THE EVERLASTING FLAME

• Hon’ble Finance Minister in his Budget Speech for 2015-16 announced the Exhibitions on Parsi culture namely “the Everlasting Flame”.

• Three exhibitions- “The Everlasting Flame”, “Threads of Continuity” and “Across the Oceans and Flowing Silks” were held during 2015-16 to exhibit Parsi culture. Amount of Rs.18.73 crore was released for the project.

DAIRATUL MAARIFIL OSMANIA, OSMANIA UNIVERSITY

• For translation of 240 documents belonging to medieval period from Arabic to English, their digitization and re-printing.

• Rs. 2.77 crore released to Organization during 2015-16

• 2018-19, Ministry organized two Mushaira (in Delhi & in Mumbai) under the scheme “Hamari Dharohar” through Maulana Azad Education Foundation (MAEF) on the subject “Gandhi-150 Mushaira” to commemorate 150th birth anniversary of Mahatma Gandhi from 2nd Oct, 2018 to 2nd Oct, 2020

QUAMI WAQF BOARD TARAQQIATI SCHEME(QWBTS) (FORMER SCHEME OF

COMPUTERIZATION OF RECORDS & STRENGTHENING OF STATE WAQF

BOARDS)

WAQF BOARD

• On the recommendation of the Joint Parliamentary Committee on Waqf, a Central Sector Scheme of "Computerization of the Records of State/UT Waqf Boards" was launched by the Ministry of Minority Affairs ,Govt. of India in December 2009 and after evaluation of the Scheme it is further continuing during 2017-18 to 2019-20 Financial Year. Now the Scheme has been renamed as "Quami Waqf Board Taraqqiati Scheme (QWBTS)".

NEED FOR MODIFICATION IN THE

EXISTING SCHEMES: • Schemes reviewed with the State Governments and

State Waqf Boards on 7.1.2017

• NILERD was of the view that both the above Schemes needs to be continued

• Based on the feedback received from States and findings of the evaluation study on both the Schemes, it has been decided to formulate a single modified Quami Waqf Board Taraqqiati Scheme. Under this umbrella scheme, both the existing schemes will have modified provisions so as to achieve the laid down objectives.

COMPONENTS OF THE UMBRELLA

SCHEME

Computerization of Records

Strengthening of State Waqf

Boards

TWO COMPONENTS

COMPUTERIZATION OF RECORDS OF STATE WAQF BOARDS

• Properties Registration Management

• Muttawalli Returns Management

• Leasing of Properties Management

• Litigations Tracking Management

• Documents Archiving & Retrieval Management

Continued…

Contd.

• GIS of Waqf Properties

• Funds Management to Mosques, Durgah, Kabristan, Imams,

• Muazzins, widows, girls marriages, scholarships, schools, hospitals, Dispensaries, Musafirkhanas, skill Development Centres etc.

PHASE-WISE OBJECTIVES

• Phase-I: Data entry of waqf properties

• Phase II: Better administration of Waqf Boards

PHASE-I: DATA ENTRY OF WAQF PROPERTIES

• Cross checking of Waqf data (such as by Revenue Departments )

• Creation of a centralized and web-enabled data base of use by various stake holders.

• Documents Archiving & Retrieval Management system.

PHASE II: BETTER ADMINISTRATION OF WAQF BOARDS

• GIS of Waqf Properties to develop coordinates to prevent encroachment.

• Computerization of other peripheral activities of the State Waqf Boards (Pay and Accounts, Establishment, Administration, CR etc)

• Right to information Act compliance.

• Ensuring timely detection of reports on encroachment of Waqf properties.

Continued…

Contd.

• Digitization of all the manual records, deeds and legal documents

• Standardization and automation of Waqf registers.

• Implementation of a web based centralized application for Waqf Management.

SCOPE, ELIGIBILITY & FINANCE

• Uniformly applicable across all the 32

State Waqf Boards

• Grant-in -Aid released to the State U'TWaqf Boards for setting up of Centralized Computing Facility (CCF)

• Encompassed support for two years to hire some computer personnel

Continued…

Contd. • Under the Scheme, NIC was provided

assistance earlier for development of the software named Waqf Management System of India (WAMSI)

• NIC launched WAMSI consisting of four HlO modules Registration, Return, Leasing and Litigation modules.

• All 32 Waqf Boards have set up their CCF and have started entering data in the four modules of the software 'WAMSI'

AS ON 31.07.2017

• Entry of 3,12,196 of Waqf estates out of 3,32,919 Waqf estates have been entered in WAMSI on-line Registration Module

• Entry of 20,897 waqf properties in WAMSI

• Return Module, 10,164 waqf properties in WAMSI Leasing Module, and 7,269 litigation cases in WAMSI Litigation Module have also been entered.

Continued…

Contd.

• Pre-digitization work of 2,90,945 waqf properties has also been completed

• 94% work relating to registration of waqf properties has been completed, the work relating to remaining three modules has not progressed Satisfactorily.

https://www.youtube.com/watch?v=awZECid3kP4

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Chapter-4

GOVERNMENT SCHEMES FOR SELF EMPLOYMENT & FINANCIAL SUPPORT

(FOCUSED ON MINORITIES)

INTRODUCTION

• Needless to say, the government is all for it, and has launched a variety of startup schemes and loans to encourage more and more people to start their own businesses.

• Although there are tons of schemes available, here’s we will looking at the most viable schemes for minorities.

GOVT. SCHEMES FOR SELF EMPLOYMENT

& FINANCIAL SUPPORT 1. NMDFC Different Loan Schemes

2. Promotional Schemes

3. Marketing Assistance Schemes

4. Mahila Samridhi Yojana

5. The PM New 15 Points Programme for Minorities

6. Virasat

7. Other Schemes

1. NATIONAL MINORITIES DEVELOPMENT & FINANCE CORPORATION (NMDFC)

• The NMDFC was incorporated in September, 1994 as a Company “Not for Profit” U/s 8 of Companies Act, 2013.

• It aims at Economic Empowerment of deprived sections amongst minorities through self-employment.

• The persons belonging to Notified National Minorities viz., Muslims, Christians, Sikhs, Buddhists, Jains & Parsis are eligible to avail benefit under the schemes of NMDFC.

• It provides loans at concessional interest rates to eligible beneficiaries .

NATIONAL MINORITIES DEVELOPMENT &

FINANCE CORPORATION (NMDFC)

A) Loans under Credit Line – 1 I. Term Loan Scheme II. Educational Loan Scheme III. Micro Financing Scheme

B) Loans under Credit Line – 2 I. Term Loan Scheme II. Educational Loan Scheme III. Micro Financing Scheme

I-TERM LOAN SCHEME

• This scheme is for individual beneficiaries and is implemented through the SCAs (State Channelizing Agencies).

• Under the Term Loan Scheme, projects costing up to Rs. 20.00 Lakhs are considered for financing. NMDFC provides loans to the extent of 90% of the project cost subject to a maximum of Rs. 18.00 lakhs.

• The remaining cost of project is met by the SCA and the beneficiary. However the beneficiary has to contribute minimum of 5% of the project cost.

Continued….

Contd. • The rate of interest charged from the beneficiary is 6%

per annum on reducing balance method.

• Assistance under Term Loan Scheme is available for any commercially viable and technically feasible venture, which for the purpose of convenience, are classified into the following sectors.

Agriculture & allied

Technical trades

Small business

Artisan and traditional occupations, and

Transport and services sector

I. TERM LOAN SCHEME – DETAILS

II. EDUCATIONAL LOAN SCHEME

• This scheme is also for the individual beneficiaries

and is implemented through the SCAs.

• The NMDFC extends educational loans with an objective to facilitate job oriented education for the eligible persons belonging to Minorities.

• Under the scheme, an amount, up to Rs. 20.00 lakhs is available at Rs. 4.00 lakhs per annum for ‘technical and professional courses’ of durations not exceeding five years.

Continued….

Contd. • Further, for courses abroad, a maximum amount of

Rs.30.00 lacs is available @ Rs.6.00 lacs per annum for course duration of maximum 5 years.

• Funds for this purpose are made available to the SCAs at an interest rate of 2 % per annum for on-lending to the beneficiaries at 8% interest per annum for male beneficiaries & at 5% per annum for women beneficiaries. The loan is payable in maximum five years after the completion of the course.

III. MICRO FINANCING SCHEME

• This scheme envisages credit to the poorest amongst the poor through SCAs/NGOs and network of Self Help Groups (SHGs). It is an informal loan scheme which ensures quick delivery of loan at the door steps of the beneficiaries.

Continued….

Contd. • Under this scheme, small loans up to a

maximum of Rs. 1.50 lacs per member of SHG and Rs.30.00 lacs to a group of 20 women are provided through the SCAs/NGOs & network of SHGs.

• Funds are given to the SCAs/NGOs, which further lending to the SHGs, at an interest rate not more than 10% per annum for male beneficiaries & 8% per annum for women beneficiaries.

2. PROMOTIONAL SCHEMES • Kaushal Se Kushalta Scheme:

The Kaushal Se Kushalta Scheme of NMDFC aims at imparting skills to the targeted individual beneficiaries leading to self/wage employment.

The scheme is implemented through the State Channelizing Agencies (SCA), which organize need based skill development training in their States with the help of agencies empanelled by NSDC/ related Sector Skill Council/ State Skill Mission/ Directorate of Technical Education. Preferably be accredited through NSDC SMART portal.

The SCAs are required to submit their proposals to NMDFC in the prescribed formats for approval/release of funds.

3. MARKETING ASSISTANCE SCHEMES

• The Marketing Assistance Scheme is meant for individual crafts-persons, beneficiaries of NMDFC as well as SHG members and is implemented through SCAs with a view to support the crafts-persons to promote marketing & sale of their products at remunerative prices.

• NMDFC assists the SCAs in organizing State/District level exhibitions at selected locations.

Continued….

Contd.

• In these exhibitions, handloom/handicraft products of Minority crafts-persons are exhibited and sold. Such exhibitions also serve the purpose of organizing “buyer seller meet”, which is considered very useful for product development and market promotion, for domestic market as well as for exports. NMDFC provide grants for organizing exhibitions, as per the specific guidelines of the scheme, after due appraisal of the proposals.

4. MAHILA SAMRIDHI YOJANA

• It is a unique scheme linking micro-credit with the training to the women members to be formed in to SHGs, in the trades such as tailoring, cutting and embroidery, etc.

• It is being implemented by NMDFC, through the State Channelising Agencies of NMDFC as well as NGOs. Under the Mahila Samridhi Yojana, training is given to a group of around 20 women in any suitable women friendly craft activity.

Continued….

Contd.

• The group is formed into Self Help Group during the training itself and after the training, micro-credit is provided to the members of the SHG so formed.

• The maximum duration of the training is of six months with maximum training expenses of Rs. 1,500 per month per trainee.

Continued….

Contd. • During the training a stipend of Rs. 1,000 per

month is also paid to the trainees.

• The training cost and stipend is met by NMDFC as grant.

• After the training, need based micro credit subject to a maximum of Rs. 1.00 lacks is made available to each member of SHG, so formed at an interest rate of 7% per annum.

https://www.youtube.com/watch?v=HLXarTCw3kE

https://www.youtube.com/watch?v=HLXarTCw3kE

THE PRIME MINISTER'S NEW 15 POINTS PROGRAMME FOR MINORITIES

• It is a programme launched by Indian Government in 2006 for welfare of religious minorities.

• Minorities, especially Muslims, in the country were often in a worse socio-economic and political condition according to Sachar Committee Report.

• It pegged the status of minorities on various indicators such as nutrition, health, education etc. of minorities and specially Muslims were found in poor level.

Continued….

Contd. • The 15 point program was the government's

response to these finding by laying down guidelines to specifically target minorities in schemes and entitlements that are already in place and designing and executing new schemes aimed at the empowerment of these groups.

• The programme advocated allocating 15% of plan outlays of welfare schemes identified under the 15 point programme.

Continued….

The 15 Points

1. Equitable availability of the Integrated Child Development Services (ICDS) - Aims at development of children and pregnant/lactating mothers from minorities and those living below the Below Poverty Line (India), by providing services such as better supplementary nutrition, immunization, health check-up and free education.

2. Improving access to School Education — Implement various Government schemes like Sarva Shiksha Abhiyan, Kasturba Gandhi Balika Vidyalaya scheme, and other similar schemes in villages/localities having a substantial minority communities population.

Continued….

Contd. 3. Greater resources for teaching Urdu - Assistance in

recruitment and posting of Urdu language teachers in primary and upper primary schools in villages/localities where at least one-fourth belong to that language group.

4. Modernizing Madarsa Education — Provide basis educational infrastructure and resources for the modernization of Madarsa education.

5. Scholarships for meritorious students from minority communities.

Continued….

Contd.

6. Improving educational infrastructure through the Maulana Azad Education Foundation.

7. Self-Employment and Wage Employment for the poor — Earmark certain percentage of Swarnajayanti Gram Swarozgar Yojana scheme for minorities.

8. Upgradation of skill through technical training — Open new ITIs in areas predominantly inhabited by minority communities and upgrade some ITIs to ‘Centres of Excellence’.

Continued….

Contd.

9. Enhanced credit support for economic activities.

10. Recruitment to State and Central Services.

11. Equitable share in rural housing scheme — Earmark certain percentage in Indira Awaas Yojana for minorities.

Continued….

Contd. 12. Improvement in condition of slums inhabited by

minority communities — Implement Integrated Housing & Slum Development Programme and Jawaharlal Nehru National Urban Renewal Mission in minority populated regions.

13. Prevention of communal incidents.

14. Prosecution for communal offences.

15. Rehabilitation of victims of communal riots.

SCHEMES FOR MINORITIES FROM 15 POINTS

• Self-Employment and Wage Employment for the poor (point-7): The initial scheme Swarnajayanti Gram Swarozgar Yojana (SGSY) was launched in 1999. It was renamed as National Rural Livelihood Mission in 2011. Finally they were merged into DDU-AY. A certain percentage of people living below poverty line from minority communities will get benefit under this scheme.

• Upgradation of skill through technical training (point-8) — Open new ITIs in areas predominantly inhabited by minority communities and upgrade some ITIs to ‘Centres of Excellence.’

6.VIRASAT

• Virasat - A Credit Scheme for Craft persons:

• The purpose of this scheme is to help Artisians and Craftpersons in meeting their working capital (making products as per the demand in the market) and fixed capital requirement (machineries, equipments and tools).

SCHEME BENEFITS & HIGHLIGHTS

• Maximum Loan limit of upto Rs. 10 lacs can be availed under the scheme.

• 1% lower interest rate than charged under term loan scheme (offered by NMDFC).

• Further a 1% loan rebate is provided for the women artisians.

• NMDFC organise Hunar Haat Exhibitions for promoting traditoonal crafts. This provides a platform to artisians to sell/get orders for their artefacts.

ELIGIBILITY

• As per the National Commission of Minorities Act, 1992, Artisians in the notified Minorities are Muslims, Christians, Sikhs, Buddhists, and Parsis.

• Subsequently, Jains community was also added into the list of notified Minority Communities in January, 2014. Additionally

Continued….

Contd.

• Artisans covered under Credit line-1 with annual family income of Rs 81,000 in rural areas and Rs 1.03 lacs in the urban areas.

• Preference will be given to artisans participating in Hunar Haat exhibitions organised by MNDFC Artisans already sponsored under the concession credit scheme of the Government will not be eligible to again avail loan under this scheme.

THANK YOU !