MICROFINANCE IN HARYANA

122

CHAPTER-4

MICROFINANCE IN HARYANA

This chapter analyzed the profile of sample district and state. Further, it studied the Status of

Microfinance through various schemes and programmes in Haryana & Mewat as well. It also

measured the growth of Self Help Groups in all blocks of Mewat district.

4.1 PROFILE OF HARYANA

Haryana came into existence on 1st November 1966 as a newly created state carved out of the

Punjab state on the basis of language. It has been a part of the Kuru region in North India. It is

bordered by the Punjab and Himachal Pradesh to the north and by Rajasthan to the west and

south1. Population of the State at 253.53 lakh is 2.09% of population of the country. The state is

divided into 4 divisions i.e. Ambala, Rohtak, Gurgaon and Hisar. Haryana is also one of the

wealthier states of India and had the second highest per capita income in the country at

Rs.138859 in the year 2011–12 and Rs.128341 in the year 2012–13 including the largest number

of rural crorepatis in India2. Hindus are majority in Haryana and are about 88.23% of the

population, Muslims3 6% (mainly Meos), Sikhs 5.78%, Christians 0.45%. Dalits constitute

19.3% of Haryana’s population and Valimikis constitute 19.2% of the Dalit. Haryana is also one

of the most economically developed regions in South Asia and its agricultural and manufacturing

industry has experienced sustained growth since 1970s4. Agriculture related industries have been

the backbone of the local economy.

The economy of Haryana relies on manufacturing, business process outsourcing, agriculture and

retail. The economic growth of Haryana has been exemplary since its creation in 1966. The State

economy grew at an excellent average annual growth rate of 8.8 percent during the period of last

1 http://germanshepherdpuppies.in/german-shepherd-puppies-for-sale-in-haryana.htm

2 http://karnigroups.com/index.php/clu-haryana

3 Muslims are mainly in Mewat and Yamuna Nagar district of Haryana.

4 http://en.wikipedia.org/wiki/Haryana

123

8 years (2005-06 to 2012-13), higher than the 8.0 percent growth rate of the Indian economy.

Though, Haryana is geographically a small State accounting for only 1.3 percent of the total area

of the country, the contribution of the State in the National GDP at constant (2004-05) prices has

been recorded as 3.4 percent as per the Quick Estimates (QE) of 2012-13. The growth in GDP of

the State during 2012-13 as per Quick Estimates was recorded as 6.5 percent, higher than the

growth of 4.5 percent recorded by the Indian economy5. Despite recent industrial development,

Haryana is primarily an agricultural state. The Quick Estimate of State GDP at current prices has

been estimated as Rs. 3,45,237.78 crore for 2012-13 as against the Revised Estimate of Rs.

3,01,958.52 crore in 2011-12 recording the growth of 14.3 percent. The GDP at constant (2004-

05) prices for 2012-13 has been estimated as Rs. 1, 88,033.12 crore as against the Revised

Estimate of Rs. 1, 76,525.89 crore for 2011-12 reflecting the growth of 6.5 percent. About 70%

of residents are engaged in agriculture Wheat and rice is the major crops. Haryana is self-

sufficient in food production and the second largest contributor to India's central pool of food

grains.6

Figure: 4.1 Per Capita Income of Haryana State

Source: Economy Survey of Haryana, 2013

5 http://esaharyana.gov.in/Data/Economic%20Survey%20of%20Haryana/2013-14.pdf

6 Economic Survey of Haryana, 2012-13

124

Growth of per capita income plays a major role in reducing the poverty. It is clear from Figure

4.1 that per capita income of the State at constant (2004-05) prices as per Advance Estimates is

expected to reach at the level of Rs. 68,040 during 2013-14 as against Rs. 64,631 in 2012-13

indicating an increase of 5.3 percent during 2013-14. At current prices, the State per capita

income is likely to reach at the level of Rs. 1, 35,007 during 2013-14 as compared to that of Rs.

1, 20,352 in 2012-13 showing an increase of 12.2 percent during 2013-14. The Haryana State has

the highest per capita income amongst the large States in the Country. The per capita income of

the State has always remained much higher than all India level in the past. As per the Advance

Estimates, the per capita income of the country in 2013-14 has been estimated as Rs. 39,961 and

Rs. 74,920 at constant (2004-05) and current prices, respectively7.

In Haryana, total No. of rural Households are 3159222 and total rural population is 15868322.

Total No. of BPL households are 858389 and percentage of BPL Households (HH) is 27.17. Out

of all BPL Households, form SC category are 430905, under BC category is 267567 and 786862

Landless BPL.8 To tackle the problem of poverty and for rural development, different schemes of

central and state government for rural as well as urban areas, such as Swarnjayanti Gram

Swarozgar Yojana (SGSY), Sampoorna Gramin Rozgar Yojana (SGRY), Swarna Jayanti Shahari

Rozgar Yojana (SJSRY), Indira Awaas Yojana (IAY), Mahatma Gandhi National Rural

Employment Guarantee Scheme (MGNREGS), Backward Regions Grant Fund (BRGF),

Schemes by Forest Department, Swayamsiddha, Swa-Shakti, programmes by NGOs, SCRIA etc.

was implemented in the state. At the Block Level – BDPO and other staff also help to execute

the schemes. The Panchayati Raj Institutions – Gram Panchayats, Panchayat Samiti, Zila

Parishad and Gram Sabha have substantial role in formulation and implementation of the wage

employment scheme of MGNREGA and self employment scheme of SGSY, rural housing

schemes of IAY etc.

7 http://esaharyana.gov.in/Data/Economic%20Survey%20of%20Haryana/2013-14.pdf

8 Ministry of Rural Development, Government of India (GOI), 2012-13.

125

4.2 PROFILE OF MEWAT DISTRICT

Geographically, Mewat district is situated between 26° and 30° N latitude and 76° and 78° E

longitude. It largely comprises plains with Aravali hills running north-south on its western

border. Mewat district is one of the 21 districts of Haryana state in northern India. The district

was carved as the 20th district of Haryana from erstwhile Gurgaon and Hathin Block of

Faridabad districts on 4 April 2005. Though, Hathin Sub Division was shifted to new district

Palwal in 2008. Nuh town is the headquarters of the district9. The district occupies an area of

1859.61 km. The district has a population of 1089406 (2011 census). Mewat is populated by the

Muslims (Meos), who is agriculturalists. Figure 4.2 shows the geographical map of Mewat

district.

Figure: 4.2 Geographical Map of Mewat District

Source: www.mapsofindia.com

For the purpose of this study, firstly one district is selected from Gurgaon Region having

sufficiently large number of credit linked SHGs under the Microfinance programme up to 9 http://en.wikipedia.org/wiki/Mewat_district

126

December, 2013. As a result, the most rural and backward i.e. Mewat District is selected. Mewat

is very poor district. A Majority of People don’t have source of income. They live in crisis. The

progress of SHGs and microfinance programme can exactly measure through the performance of

SHGs in this district. At second stage, five blocks from Mewat district are selected where there

are a large number of credit linked SHGs. In this way, Nuh, Nagina, Firojpur Jhirka, Tauru and

Punhana blocks are selected from Mewat district as discussed in the methodology. The Mewat

Development Agency, which is a nodal agency of the Haryana government reports that

agriculture and livestock are the main occupation of the people of Mewat district (MDA, 2002).

Studies conducted by IRRAD, BVJ Gandhi et al 2009, LM Sharma 2008, N Saxena 2009, A

Godyal et al 2009 have shown that Mewat continues to be ignored by policy makers and major

development agencies due to its location in the well developed state of Haryana10.

4.2.1 Administrative Divisions of the District

Mewat district came into existence on 4th April, 2005 as the 20th district of the Haryana State. It

comes under the Gurgaon division. Nuh and Firozpur Jhirka are two sub division of Mewat

district. After the formation of Palwal district (as on 13th August, 2008), Hathin sub-division was

transferred to Palwal district. Nuh town is Mewat districts headquarter. The district comprises 5

blocks11, 4 Tehsils and 1 Sub Tehsil (Table 4.1).

Table: 4.1 Administrative Divisions of the Selected District

Name of

District/State

Division Sub-

division

District No. of Tehsils No. of

Sub-

Tehsil

No. of

Blocks

MEWAT (District)

Under

Gurgaon

Division

2 (Nuh, Firozpur Jhirka)

_

4 (Nuh, Firozpur Jhirka, Punahana, Tauru)

1 (Nagina) 5 (Nuh, Firozpur Jhirka, Punahana, Tauru, Nagina)

HARYANA 4 57 21 80 50 119

Source: Economic Survey of Haryana 2012-2013

10 http://www.smsfoundation.org/links/IRRADAEAACTRESEARCH.pdf

11 Nuh, Tauru, Nagina, Firozpur Jhirka and Punhana.

127

4.2.2 Area and Population

The total area of Mewat is 1507 sq. k.m. Out of total area, 1441.71 sq. k.m areas was rural and

65.29 sq. k.m. come under urban area. Its population growth rate over the decade 2001-2011 was

37.94%. According to the Census of India 2011, the total population of Mewat was 1089406

(including Hathin Block of district Palwal) of which 50548 (4.64%) lived in urban areas and the

major chunk 1038858 (95.36%) of the population lived in rural areas. Out of the total population,

there are 571480 males and 517926 females. The SC population is around 75251 including

39743 males and 35508 females. Out of total SC population, 57238 were rural population and

18013 were urban population. There was no ST population in Mewat district. The total numbers

of households are 160280 out of which 139975 (87.33%) are in rural areas and remaining 20305

(12.62%) are in urban areas (Table 4.2).

Table: 4.2 Total Areas and Population of the Selected District

Name of

District

Area

(In sq.

km.)

Total No. of

Households

Rural

Population

Urban

Population

Total

Population

Male Female Total Male Female Total Male Female Total

MEWAT 1,507 160280 5,06,297 4,59,092 1038858 65,183 58,834 50548 571480 517926 10,89,406

HARYANA 44,212 3628500 87,91,036 77,40,457 1,65,31,49

3

47,14,09

4

41,07,49

4

88,21,58

8

1,35,05,13

0

1,18,47,95

1

25,353,08

1

Source: Statistical Abstract of Haryana & Mewat 2011.

4.2.3 Status of Mewat Economy

The main occupation of the people of Mewat is agriculture and allied & agro-based activities.

The Meos (Muslims) is the predominant population group and is completely agriculturists.

Agriculture production measured in terms of crop yield per hectare in Mewat is comparatively

low to the other districts of the State. Animal husbandry, particularly dairy is the secondary

source of income for people of Mewat and those who live closer to the hilly ranges of Aravali

also keep a few sheep and goats12. The poultry population in Mewat is much less in comparison

to other districts of Haryana State. Mewat has remained a region of backwardness even after

independence. The area lags behind the rest of Haryana on almost every yardstick of

12 http://www.indianngos.com/districts/mewat.asp

128

development indices, even though the farthest point of Mewat is no farther than 145 km. from

the National Capital of India13.

4.2.4 Identification of the Poor with BPL survey

The basis objective of BPL survey is to identify the families living below the poverty line.

Different criteria have been used to identify the BPL population in Mewat. During the year 2007,

as per last BPL survey the total number of BPL14 Families in the state was 858389. It was

630699 in the year of 1991 and 638777 in 1997. Out of a total of 858389, in Mewat district BPL

families were 53270. Table 4.3 shows the Block-wise BPL HH in all the blocks of Mewat

district. The data given in the table demonstrated that there was highest BPL HH in Punhana

(16994) which is followed by Nuh (12879), Nagina (9687), Firozpur Jhirka (8612) and Tauru

(5098).

Table: 4.3 No. of BPL Households in Mewat

BLOCKS No. of BPL Households

Nuh 12879

Taoru 5098

Firojpur Jhirka 8612

Punhana 16994

Nagina 9687

MEWAT 53270

HARYANA 858389

Source: BPL Survey, 2007, Department of Rural Development, Government of Haryana.

13 http://indianngos.com/districts/mewat.asp

14 Five Indicators to identify the BPL population: Size of land holding, house, Asset, Level of education and Standard of living. Scores were given by the surveyors according to these all indicators. On the basis of these scores obtained by HH and also on the basis of cutoff scores, the number of poor person was decided in the Haryana state and Mewat district.

129

4.2.5 Composition of Population

In Mewat, out of total population there were 571480 male population and 517926 were females.

It shows that 52.45% are male and 47.55% are females. While in Haryana, 53.26% are males and

46.74% are females. The density of population in Mewat is 723 per square meter and in Haryana;

it is 573 sq. mt. (Table 4.4)

Table: 4.4 Sex-wise Populations in the Selected District

District Male population Female population Total population Density (per

Sq mt.)

MEWAT 571480 517926 10,89,406 723

HARYANA 1,35,05,130 1,18,47,951 25,353,081 573

Source: Statistical Abstract of Haryana & Mewat 2011.

4.2.6 Sex Ratio

The sex ratio in Mewat district was 906 in the year of 2011 which was 899 in 2001. It means that

there is improvement in girl child infanticide. As compared to Mewat district, in Haryana the

female to male ratio was 861 in 2001 which increased to 877 in the year of 2011. (Table 4.5)

Table: 4.5 Sex Ratio (Female per thousand Male) in the Selected District

District 2001 2011

MEWAT 899 906

HARYANA 861 877

Source: Statistical Abstract of Haryana & Mewat 2011.

4.2.7 Literacy

Table 4.6 shows the literacy rate between male and female in Mewat district and Haryana. In

2011, only 33.71% females were educated out of total 51.99% rural population. While in urban

population, 57.71% females were literate in Mewat. Out of total population, 151259 females and

323815 males were educated in Mewat. In Haryana, literacy rate was 76.60% while Mewat has

56.10% literacy rate in 2011.

130

Table: 4.6 Literacy Rate for Urban and Rural Population in the Selected District

District

Literacy Rate (Percentage)

Rural population Urban population Total population

Male Female Total Male Female Total Male Female Total

MEWAT 68.56 33.71 51.99 80.09 57.71 69.42 73.00 37.60 56.10

HARAYANA 83.20 60.97 72.74 89.37 77.51 83.83 85.40 66.80 76.60

District

Literate and Educated persons (2011 P)

Rural population Urban population Total population

Male Female Total Male Female Total Male Female Total

MEWAT 2,79,619 1,22,732 4,02,351 44,196 28,527 72,723 3,23,815 1,51,259 4,75,074

HARAYANA 62,94,506 40,99,085 1,03,93,591 36,97,332 28,13,401 65,10,733 99,91,838 69,12,486 1,69,04,324

Source: http://www.census2011.co.in/census/district/226-mewat.html

Note: P—Provisional

4.2.8 Number of Villages and Towns

In Mewat, the total number of villages was 443 in 2011. Out of which 33 were un-inhabited

villages and 410 were inhabited villages. There were 29 towns in Mewat. On the other hand, in

Haryana total town were 154. Total number of villages were 6841 which includes 82 (Un-

inhabited Villages) and 6759 (inhabited Villages). (Table 4.7)

Table: 4.7 Numbers of Villages and Towns in the Selected District

District Un-inhabited

Villages

Inhabited

Villages

Total

Villages

No. of Towns

MEWAT 33 410 443 29

HARYANA 82 6,759 6841 154

Source: Statistical Abstract of Haryana & Mewat 2011.

4.2.9 Occupational Status

Occupational status shows the working population and non working population. Workers may be

main workers and marginal workers. The occupational status of people in Mewat and Haryana is

shown by below tables.

131

4.2.9.1 Number of Workers and Non-workers

Table 4.8 depicts that 26.62% of population were working in 2011 in Mewat district. While in

Haryana it was 35.17%. The total workers including males and females in Mewat were 289964

and in Haryana it was 8916508. In Mewat, 22.52% females were working in 2011. In Haryana,

the percentage of females’ workers was 23.66%. (Table 4.8)

Table: 4.8 Numbers of Workers and Non-workers in the Selected District

District Main Workers Marginal Workers Non Workers %

age*

Total Workers

Male Female Total Male Female Total Male Female Total Male Female Total

MEWAT 175670 28508 204178 48972 36814 85786 346520 452779 799299 26.62 224642 65322 289964

HARYANA 586060

0

1154683 701528

3

946036 955189 190122

5

668809

8

9746856 164349

54

35.17 680663

6

2109872 8916508

Source: http://data.gov.in/dataset/primary-census-abstract-2011-haryana & Mewat census 2011.

Note: *Percentage of main and marginal workers in total population.

4.2.9.2 Division of Workers in Different Work Categories

Out of total 289964 workers in Mewat district, there were 104237 cultivators, 55278 agriculture

labourers, 6023 HH workers and 124426 persons were involved in other services. In Haryana,

out of total 8916508, there were 6003112 workers in rural areas and 2913396 were working in

urban areas. (Table 4.9)

Table: 4.9 Working Population and Work Categories in the Selected District

District

Categories of Main and Marginal Workers Total Main and Marginal

Workers

Cultivators Agriculture

Labourers

Working in

Household

Industry

Other

Services

Rural Urban Total

MEWAT 104237 55278 6023 124426 258721 31243 289964

HARYANA 2480801 1528133 262280 4645294 6003112 2913396 8916508

Source: http://data.gov.in/dataset/primary-census-abstract-2011-haryana & Mewat census 2011.

132

4.3 MICROFINACE PROGRAMME IN HARYANA

In Haryana, total rural population was 15868322; total no. of rural households 3159222 and a

total no. of BPL household were 858389 in 2007. There are various microfinance schemes such

as Sampoorna Gramin Rojgar Yojna (SGRY), Integrated Rural Development Programme

(IRDP), District Rural Development Agency (DRDA)15, Mewat Area Development Project

(MADP)16, Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS)17

and Non Government Organizations (NGOs). In Haryana, Microfinance is promoted under

different programmes/projects by various departments and agencies such as the Women and

Child Development Department (WCDD) has promoted Self Help Groups under the Programme

for Advancement of Gender Equity (PAGE) and Swayamsiddha; Japanese project named as

Aravali promoting by Forest Department; Women’s Awareness & Management Academy

(WAMA) has promoted the Swashakti project while Banks are promoting SHGs under

NABARD’s SBLP; DRDA is promoting SHGs under Swarnjayanti Gram Swarozgar Yojana18

15 In order to strengthen the District Rural Development Agencies (DRDAs) and to make them more professional and effective, a new centrally sponsored scheme, namely, DRDA Administration was introduced from 1st April, 1999. Under the scheme, grants are released to DRDAs to meet their salary and contingent expenses. The mandate of DRDAs is to effectively manage and implement the anti-poverty programmes of the Ministry of Rural Development and interact with other agencies. The grants under the scheme are released by the Centre and State in the ratio of 75:25. At the Block Level – BDPO and other staff also help to execute the schemes. The Panchayati Raj Institutions – Gram Panchayats, Panchayat Samiti, Zila Parishad and Gram Sabha have substantial role in formulation and implementation of the wage employment scheme of MGNREGA and self employment scheme of SGSY etc.

16 The Mewat Area Development Project was approved by the IFAD Executive Board on 7.4.1995. The initial period of the Project was 7 years effective from the year 1995-96 to 31.3.2003.

17 The Government of India passed the Mahatma Gandhi National Rural Employment Guarantee Act, 2005 in September, 2005. Mahatma Gandhi National Rural Employment Guarantee Scheme was launched by Govt. of India in all Gram Panchayats of districts Mahendergarh and Sirsa on 2nd February, 2006 and this scheme was also extended in two more districts namely Ambala & Mewat w.e.f. 1st April, 2007. The remaining districts of the State have been covered under the scheme w.e.f. 1.4.2008.

18 This scheme has been launched by the Govt. of India from April, 1999. Previously it was known as IRDP up to 1998. This is a holistic programme covering all aspects of Self Employment such as organization of the poor into self help groups, training, credit, technology,

133

(SGSY) and Mewat Development Agency19 (MDA) is promoting SHGs under IFAD programme

in Mewat district of Haryana. Besides government departments and agencies and banks, some

international, national and regional NGOs are also working for the promotion of Microfinance

and progress of SHGs. In Haryana, community based organizations are also working like

SCRIA.

In Haryana, SHG-Bank Linkage Programme (SHG-BLP) continues to be the mainstay of the

Indian microfinance scene with 79.6 lakh SHGs covering over 10.3 crore households saving with

the formal banking system with savings balance of over Rs. 6,500 crore as on 31 March 2012.

About 27% of these SHGs are savings linked through the SGSY programme. About 43.5 lakh of

total savings linked SHGs have also accessed bank credit and have over Rs. 36,000 crore as

outstanding credit from the banking system as on 31st March 2012. Encouraged by this growth,

NABARD has set promotion of 10 Lakh SHGs as its corporate goal for the year 2012-13. In

order to boost micro credit effort of the banks, NABARD provides 100% refinance support to

them against their lending towards Self Help Groups both under SGSY/NRLM and SHG-Bank

Linkage Programme. Different banks have claimed cumulative refinance of Rs. 719.68 lakh

during 2011-12 from NABARD in Haryana.

Table 4.10 shows the progress of SHGs in state of Haryana. It is indicated from the table that

number of SHGs had increased from 2007 to 2013. In 2007, total number of SHGs was 23570

lakh which increased to 42580 in the year of 2013. The total amount of saving in 2013 was Rs.

4030.70 lakh and a total of Rs. 5160 lakh was disbursed to Groups in 2013. The total outstanding

loan amount was Rs. 26400 lakh in 2013. Table also indicated the Gross Non Performing Assets

for bank loan to SHGs during the period of 2007-13.

infrastructure and marketing. It is 75% funded by central government and 25% by state government. Now, SGSY is known as NRLM all over India. In India, SGSY was converted into NRLM in the year of 2011 and in Haryana & Mewat district in 2013.

19 MDA is running community & women empowerment programme through Mewat Level SHG Federation and six Block Level SHG Federations (Nuh, Taoru, Firojpur Jhirka, Nagina, Hathin and Punhana). During the period of Mewat Area Development Project (MADP/IFAD), MDA has started a special program of empowerment of women through constituting Self Help Group.

134

Table: 4.10 Progress of SHGs in Haryana State

Years

Number of

SHGs (In

lakh)

Savings

Amount (Rs.

Lakhs)

Loan

Disbursed

(Rs. Lakhs)

Bank Loans

Outstanding against

SHGs (Rs. Lakhs)

Amount of Gross

NPAs for Bank Loans

to SHGs (Rs. Lakhs)

2007-08 23570 1365.15 2613.89 10742.07 202.87

2008-09 33257 2547.93 6383.91 12414.37 446.95

2009-10 36762 10762.55 4669.74 15507.44 784.05

2010-11 35319 9920.45 6243.46 19826.80 783.44

2011-12 44184 3678.35 6195.93 20575.01 1292.14

2012-13 42580 4030.70 5160.00 26400.00 1546.75

Source: NABARD's Reports on Microfinance in India in various years

Table 4.11 and 4.12 shows the district wise progress of SHGs under SGSY and other

programmes in Haryana state. It demonstrates the total number of SHGs formed and total

amount disbursed to groups since inception of the scheme. It further also shows the total amount

of outstanding loan in all districts of Haryana till 2013. It is clear from the tables that there was

large number of SHGs formed across the state.

13

5

Table 4.11: District wise Position of Self Help Groups (SHGs) Credit linked Up to 2013

Name of the District

No. of

SHGs

No. of

Members

Disbursement under SGSY

No. of

SHGs

No. of

Members

Disbursement Other than

SGSY

During

the

Qtr.

During

the year

Since

Inception

of the

scheme

Amt. O/s

During

the

Qtr.

During

the

year

Since

Inception

of the

scheme

Amt.

O/s

Ambala

848

8602

7026

9316

140481

82588

260

2590

0

0

24026

10517

Panchkula

636

6386

0

0

61155

34934

165

1702

1125

1125

17634

8534

Yamuna Nagar

1684

18074

3775

3775

347112

110731

744

7708

0

0

22357

11751

Kurukshetra

1557

16702

1016

1016

221611

206138

25

302

0

0

7180

4945

Kaithal

1500

15054

17473

17473

311785

223438

8

80

0

0

290

80

Jind

949

9490

3765

3765

381658

219392

446

4460

0

0

6490

3677

Karnal

1163

11936

1130

1130

191303

77765

286

3235

0

0

28897

9109

Panipat

827

8270

0

3100

158165

87669

148

1510

0

4045

18452

15506

Sonipat

1841

20403

2131

7739

249207

173696

781

8199

0

8978

33045

22376

Hisar

1025

10255

0

20

201933

133373

296

2960

0

0

7895

4653

Bhiwani

963

9714

0

0

315065

153474

508

5932

0

0

40098

18566

Fatehabad

1053

10815

8953

12178

144920

95780

13

130

0

0

15656

9475

Sirsa

1078

11024

0

0

130423

91774

26

256

0

0

4637

4308

13

6

Rohtak

427

4674

0

0

84432

54255

215

2456

0

0

15334

14058

Rewari

1065

11661

0

779

158645

125921

635

6968

0

0

16923

23444

Jhajjar

591

6461

790

1490

124064

101190

114

1276

0

426

18673

15732

M.GARH

958

11296

10376

28176

132229

42257

539

6059

2127

2127

38365

13430

Gurgaon

467

5172

0

0

48012

21517

1615

18779

0

0

174171

56726

Faridabad

383

4775

0

0

35411

27592

507

6632

0

0

39460

33603

Mewat

927

8988

0

25

127600

69560

4250

46558

29456

41032

301716 185584

Palwal

505

4882

0

0

39700

18809

798

8189

0

0

35300

10775

Total

20447

214634

56435

89982 3604911 2151853

12379

135981

32708

57733

866599 476849

Source: LDMs

13

7

Table 4.12: District wise Position of Self Help Groups (SHGs) Saving Linked Up to 2013

Name of the

District

Under SGSY

Other than SGSY

Men

Women

Mixed

Total

Men

Women

Mixed

Total

No. Amt.

No.

Amt.

No. Amt.

No.

Amt.

No.

Amt.

No.

Amt.

No. Amt.

No.

Amt.

Ambala

298

4449

1221

9773

548

3942

2067

18164

123

650

570

2093

69

428

762

3171

Panchkula

85

454

1032

12811

109

1686

1226

14951

12

97

285

3405

50

725

347

4227

Yamuna

Nagar

181

892

1227

4253

287

1769

1695

6914

187

578

711

2403

333

1137

1231

4118

Kurukshetra

250

3161

1258

13515

366

5390

1874

22066

175

1881

82

800

82

1084

339

3765

Kaithal

156

122

1972

1624

187

511

2315

2257

15

112

0

0

0

0

15

112

Jind

373

1886

399

1343

57

189

829

3418

40

116

593

2436

0

0

633

2552

Karnal

208

1665

1329

10273

172

1021

1709

12959

42

314

1655

5710

13

145

1710

6169

Panipat

131

644

690

2396

247

1062

1068

4102

59

255

390

1348

40

183

489

1786

Sonipat

645

7269

1780

12308

1137 12824

3562

32401

172

1976

1845

6759

454

2231

2471

10966

Hisar

400

1355

1502

4789

435

1302

2337

7446

67

246

460

1987

84

364

611

2597

Bhiwani

241

1232

945

4532

45

110

1231

5874

189

3180

855

13868

65

174

1109

17222

Fatehabad

196

787

608

10969

384

4253

1188

16009

10

21

137

581

30

95

177

697

Sirsa

465

4115

1209

9472

177

1165

1851

14752

29

408

110

675

56

2158

195

3241

13

8

Rohtak

195

861

644

2396

223

538

1062

3795

73

440

252

1263

14

199

339

1902

Rewari

150

1182

1495

21967

189

1767

1834

24916

112

1063

996

12512

96

674

1204

14249

Jhajjar

150

978

858

7217

62

794

1070

8989

158

1249

221

1117

14

340

393

2706

Mahendergarh

120

662

972

7065

210

1602

1302

9329

113

630

961

5916

94

727

1168

7273

Gurgaon

350

6896

313

1440

55

508

718

8844

1689

21213

861

6727

102

1408

2652

29348

Faridabad

41

345

297

7234

19

329

357

7908

34

406

566

9563

7

24

607

9993

Mewat

52

585

877 11341

77 1004 1006 12930

152

1321 4185 119628

369 2369 4706 123318

Palwal

45

300

568

8000

27

900

640

9200

107

700

945

7400

61

200

1113

8300

Total

4732 39840 21196 164718 5013 42666 30941 247224 3558

36856 16680 206191 2033 14665 22271 257712

Source: LDMs

139

A brief description of various Microfinance programmes in the state is given below:

4.3.1 Women and Child Development Department (WCDD)

The Ministry of Women and Child development came into existence as a separate Ministry with

effect from 30th January, 2006. The directorate of this department formulates the plans, policies

& programmes and implements various schemes for the development of the Women and

Children. First project under WCDD named as Integrated Women’s Empowerment and

Development Project (IWEDP)20 was started in District Mahendergarh in July 1994. The

objective of the IWEDP was to create an enabling social environment by improving the status of

women and the community. A total of 867 women’s groups, called Jagriti Mandalies (JMs) were

formed under this programme. The Project area in the second phase (w.e.f. January, 1999) was

extended to include the whole district of Rewari.

Secondly, PAGE was initiated in District Rewari in July 2003. The main objective of the

Project was to consolidate the Project outcomes of the past eight years and build capacities of the

district machinery to continue supporting the Jagriti Mandalies (JMs).

Thirdly, Indira Mahila Yojna (IMY) was recast into an IWEP and renamed as Swayamsiddha.

IMY was originally implemented in 8 IMY blocks. Later on it added 5 more blocks under

Swayamsiddha. Swayamsiddha is the flagship programmes of Ministry of Women and Child

Development for holistic empowerment of women through SHGs. The scheme is being

implemented in six districts of which thirteen blocks have been sanctioned in Haryana. Phase-I

of the Scheme ended on 31.3.2008. This Ministry launched Swayamsiddha Phase-II during

2008-09. Under Swayamsiddha Phase-II, this Ministry covered all districts/blocks in the country.

Under the scheme, total 1,300 SHGs have been formed in the 668 villages covering 17,833

members. The accumulated saving of the SHGs is Rs. 526.48 lakh and all these groups are

20 Under IWEDP, the Project progressed through three phases as indicated below:

Phase – I - July, 1994 to December, 1998

Phase – II - Jan, 1999 to December, 2002

Final Phase - Jan, 2003 to June, 2003

140

conducting inter loaning which is to tune of Rs 442.24 lakh and all of them have also opened

bank accounts out of which, 603 groups have even availed Bank loans. SHG women of 1279

groups are doing Income Generating Activities such as Food preservation, Dairy Farming,

Vermin Compost, Tie and Dye, Cutting and Tailoring, Embroidery, Kitchen gardening,

Beautician, Dari making, Gur patti making and Petty shops etc. The Swayamsiddha Scheme has

culminated from March, 2008.

There were 6,713 registered Mahila Mandals21 in Haryana State in 2008. These Mahila Mandals

were not functioning actively as they should have been. It was suggested that the concept of

Mahila Mandal be changed and diverted to SHGs. 1675 SHGs have been formed under the

scheme and 1623 SHGs are involved in activities of saving, and have accumulated saving to the

tune of Rs. 2,03,95,519 . 1086 SHGs are inter-group loaning to the tune of Rs. 72,76,253 and

1064 SHGs have opened bank accounts. Moreover 1288 SHGs are involved in preparation of the

Supplementary Nutrition Programme (WCD, 2009).

Table 4.13 shows that 1300 SHGs have been formed in the 668 villages. It covered 17833

members. The accumulated savings under Swayamsiddha was Rs. 526.48 lakh. All the groups

under this scheme inter-loaned the total amount of Rs. 454.95 lakh and 577 groups availed bank

loan also. The total of 1242 groups was involved in income generating activities. This scheme

was culminated in 2008.

Table: 4.13 Progress of Swayamsiddha

Description Cumulative progress up to 30.06.2007

No. of surviving IMY SHGs 354

New SHGs formed 946

Total SHGs 1300

No. of villages covered 668

No. of SHG members 17833

No. of SHGs doing savings 1300

Amount Saved (in Rs.) 45495032

No. of SHGs doing inter-loaning 1300

21 It is a community based rural women organization which has more than 20 members.

141

Amount loaned (in Rs.) 41886161

No. of members received loan 26160

No. of SHG having bank accounts 1300

Amount deposited in banks (in Rs.) 27002170

No. of SHGs availing loan from banks/other sources 577

Amount of loan from banks (in Rs.) 17964797

No. of loan beneficiaries 5851

No. of SHGs doing IGAs 1242

No. of SHG members doing IGAs 9463

Source: Department of Women and Child Development, Government of Haryana

4.3.2 Haryana Women’s Development Corporation (HWDC)

This corporation was started in 1982 as Haryana Economically Weaker Sections kalian Nigam

Ltd. In 1987, a women wing is set up which was renamed as HWWSKN. In 1991, Nigam was

converted into WDC which was renamed as HWDC. Under this, the Rural Women’s

Development & Empowerment (Swa-Shakti) Project was implemented in the State by the

Women’s Development Council, assisted by the World Bank, International Fund for Agriculture

Development (IFAD) and Government of India. The Project was undertaken in three districts

covering 23 development blocks and 643 villages. A total of 1,550 SHGs were formed, with the

membership of 22,009 women.

The HWDC implemented a loaning scheme for women to set up their own enterprises which has

been discontinued w.e.f. July 2008 and introduced a new scheme namely Micro Credit Scheme

under which Haryana Women’s Development Corporation (HWDC) gets loan from Rashtriya

Mahila Kosh (RMK) at the rate of eight per cent interest per annum. In another scheme, the State

Government has set up Sanitary Napkin Units through Sakshar Mahila Samoohs/Women’s Self

Help Groups in all the districts through Haryana Women’s Development Corporation. Table 4.14

demonstrates the progress under the Loaning Scheme of the Corporation. The totals of 29328

cases were there under this corporation. The total loan amount was Rs. 9089.16 lakh out of

which bank loan was Rs. 6932.35 lakh.

142

Table: 4.14 Progress under the Loaning Scheme of the HWDC (in Lakh)

Year No. of cases Subsidy Margin

Money

Beneficiary

Share

Bank Loan Total Loan

2000-01 881 20.12 27.01 24.19 146.04 217.36

2001-02 1634 43.14 0.38 62.65 316.05 422.22

2002-03 2010 53.55 0.96 51.92 439.34 545.77

2003-04 2021 50.11 18.14 51.36 461.16 580.77

2004-05 3808 98.08 52.28 98.46 938.48 1187.30

2005-06 8642 236.67 203.33 242.49 1921.05 2603.54

2006-07 10332 306.00 206.26 308.84 2710.23 3531.33

2007-08 5961 195.37 28.45 195.83 1650.69 2070.34

Grand Total 29328 807.76 505.54 843.33 6932.35 9089.16

Source: http://www.HaryanaWomenDevelopmentCorporation.htm

4.3.3 Department of Rural Development

District Rural Development Agency (DRDA) has been the principal authority at the District

levels to overseas the implementation of various poverty alleviation programmes. The

department of rural development, Haryana implemented many programmes in rural areas with

the help of state government for the purpose of poverty alleviation, women empowerment, rural

and poor development etc.

4.3.3.1 Swaranjayanti Gram Swarozgar Yojana/National Rural Livelihood Mission

(SGSY/NRLM)

SGSY/NRLM is a major on-going programme for the generation of self-employment of the rural

poor people so that they can enhance their living conditions. Initially, the IRDP was launched

during the year 1978-79 in 39 blocks and later on scaled up in all development blocks in 1980.

Table 4.15 shows the financial and physical performance of IRDP in Haryana state. Table

indicates that the expenditure is greater than the total allocation. The expenditure under this

scheme was highest during the period of 1992-97 i.e. 182.03%. It was lowest in the year of 1998-

99. The total funds released by the central and state government were Rs. 341 lakh. Further, table

also observed that percentage of achievement of total target was very impressive. The

143

performance of IRDP was good during all years except the period of 1980-85. It was 72.56 % in

the period of 1980-85 which increased to 175.60% during the 1992-97.

Table: 4.15 Financial & Physical Performance of IRDP in Haryana (1980-99)

Year Allocation Expenditure Expenditure on

Project

Administration

Target Achievement %Age of

Achievement

1980-81 to

1984-85

3141.00 3343.17

(106.44)

316.96 (9.48) 268200 194599 72.56

1985-86 to

1989-90

4856.98 4958.09

(102.08)

595.67 (12.01) 239240 266158 111.25

1990-91 to

1991-92

1453.95 1759.49

(121.01)

265.74 (15.10) 33562 58935 175.60

1992-93 to

1996-97

3428.66 6241.27

(182.03)

936.55 (15.01) 46310 132633 175.60

1997-98 759.67 811.98

(106.89)

271.87 (33.48) Not

fixed

10853 -

1998-99 1712.78 1319.13

(77.02)

333.48 (25.28) Not

fixed

16743 -

Source: Department of rural development, GOI

Note: Figures in parenthesis show percentage.

144

Swaranjayanti Gram Swarozgar Yojana (SGSY)22 is a self-employment programme of

Ministry of Rural Development that aims at providing assistance to the BPL families for

establishing micro-enterprises through bank credit and government subsidy to acquire an

income-generating asset. The programme was started from 01.04.1999 after restructuring and

merging the erstwhile Integrated Rural Development Programme (IRDP) and its allied

programmes, namely Training of Rural Youth for Self Employment (TRYSEM), Development

of Women and Children in Rural Areas (DWCRA), Supply of Toolkits in Rural Areas (SITRA)

and Ganga Kalyan Yojana (GKY), besides Million Wells Scheme (MWS)23. As regard to

physical performance of SGSY groups in the state, there were 712 SHGs formed in the year

1999-00, 1530 in 2002-03, 985 in 2004-05, 2303 in 2005-06 and 4506 in 2008-09. The women

SHGs were 442 in 2002-03 which increased to 2,857 in the year 2008-09. In 2011, SGSY has

been restructured as National Rural Livelihoods Mission (NRLM), subsequently renamed as

"Aajeevika", to implement it in a mission mode across the country. Since the inception of the

Programme 43.96 lakh SHGs have been formed. During 2011-12, a total of 16.77 lakh

Swarojgaris were assisted out of which 11.03 lakh (68.63%) were women Swarojgaris. In 2012-

13, till December, 4.38 lakh Swarojgaris have been assisted out of which 3.49 lakh (79.68%) are

women24. Table 4.16 gives an account of allocation, release and utilization of funds during the

period of 1999-2013 for SGSY/NRLM. Table inferred that in the year of 2013, the total available

funds were Rs. 5412.20 lakh out of which Rs. 1844.59 lakh were utilized. The total allocation of

funds including both state and central were Rs. 3821.92 lakh in 2013.

22 In 1980, Ministry of Rural Development (MORD), Government of India started Integrated Rural Development Programme (IRDP) to directly target the poor families for creation of assets and self employment. In 1999, IRDP was transformed into Swarnjayanti Gram Swarozgar Yojana (SGSY) to generate self-employment through organizing poor into Self Help Groups (SHGs). SGSY covered aspects of self employment such as organization of the poor into self help groups, training, credit, technology, infrastructure and marketing. SGSY has been restructured as National Rural Livelihoods Mission (NRLM), subsequently renamed as "Aajeevika", to implement it in a mission mode across the country. The programme was formally launched on 3rd June, 2011. NRLM was launched in Haryana and Mewat in 2013. It is regulated by DRDA. It gives main emphasize on the growth of BPL families.

23 http://knowledge.nrega.net/938/1/anualreport0910_eng.pdf

24 http://www.emrj.net/Ritu%20&%20Naresh%20Kumar1.pdf

145

Table: 4.16 Allocations, Release and Utilization of Funds under SGSY/NRLM in Haryana

(Rs. in Lakh)

Years Allocation of Funds Release of Funds Total Funds

Available

Total Funds

Utilized Centre State Total Centre State

1999-00 1377.36 459.12 1836.48 1784.18 459.68 2659.95 1963.41

2000-01 1174.37 391.46 1585.83 1088.81 651.48 2004.93 2380.23

2001-02 679.48 226.49 905.97 679.48 340.60 1496.54 1480.38

2002-03 679.48 226.49 905.97 827.79 275.93 1310.95 1317.00

2003-04 938.70 312.90 1251.60 932.06 310.69 1440.42 1437.07

2004-05 1175.03 391.68 1556.71 1175.08 391.70 1715.83 1595.25

2005-06 1175.03 391.68 1556.71 1147.48 332.50 1911.46 1888.51

2006-07 1304.92 434.97 1739.89 1304.92 434.98 1894.23 1857.92

2007-08 1988.70 662.90 2651.60 1988.71 585.06 2691.61 2684.99

2008-09 2352.04 783.68 3135.72 2351.04 692.28 3185.01 2997.98

2009-10 1839.54 836.80 2676.34 2470.78 823.60 3294.38 3624.54

2010-11 2781.00 979.78 3760.78 2807.87 872.82 4052.19 3907.13

2011-12 2541.00 1028.56 3569.56 2499.56 988.22 3531.70 3494.49

2012-13 2574.00 1247.92 3821.92 2452.09 1198.45 5412.20 1844.59

Source: Annual Reports of Ministry of Rural Development, GOI

Table 4.17 shows that the total credit target was Rs. 7856.47 Lakh in 2013. The credit disbursed

to SHGs was Rs. 10721.32 lakh in 2013. It also shows that the credit disbursed to Swarozgaris

initially increased then it started decreasing and later again started increasing. The total credit

disbursed increased during the period of 1999-2013 from Rs. 3000.13 lakh to Rs. 13582.85 lakh.

Table: 4.17 Mobilization of credit under SGSY/NRLM in Haryana (Rs. in Lakh)

YEAR TOTAL CREDIT

TARGET

CREDIT

DISBURSED TO

SHGS

CREDIT

DISBURSED

SWAROZGARIES

TOTAL CREDIT

DISBURSED

1999-00 4200.00 121.38 2878.75 3000.13

2000-01 4200.00 250.99 5581.12 5812.11

2001-02 6000.00 360.66 2833.99 3215.65

2002-03 3537.27 971.35 1382.24 2353.59

2003-04 3537.27 1647.58 823.91 2471.49

2004-05 3537.27 2197.24 687.20 2884.44

146

2005-06 4330.57 2796.45 784.52 3580.97

2007-08 4375.14 4590.96 808.10 5399.06

2008-09 4568.64 5203.43 705.15 5908.58

2009-10 5314.65 6471.75 911.34 7383.09

2010-11 6109.95 7326.89 1062.81 8389.70

2011-12 7130.00 8718.42 2300.76 11019.18

2012-13 7856.47 10721.32 2861.53 13582.85

Source: Annual Reports of Ministry of Rural Development, GOI

It is clear from the Figure 4.3 that the total number of SHGs formed in Haryana under SGSY was

increased since inception but later after the year of 2009, it started decreasing. Initially, only 712

SHGs were formed while now in 2013, about 2487 SHGs were formed.

Figure: 4.3 Number of SHGs formed under SGSY in Haryana (in numbers) (1999-2013)

Source: Annual Reports of the Ministry of Rural Development, Government of India.

Table 4.18 shows the SHGs under SGSY with Grades and Economic Activities in Haryana since

1-4-1999. The total number of 2143 SHGs have passed Grade-I and 753 SHGs have passed

Grade-II in 2013. The totals of number of 1247 SHGs were involved in income generating

activities in 2013. Table shows that initially it had very low progress.

147

Table: 4.18 SHGs under SGSY/NRLM with Grades and Economic Activities in Haryana

since 1-4-1999 (in Numbers)

Year No. of SHGs passed

Grade –I

No. of SHGs passed

Grade –II

No. of SHGs taken up

economic activities

1999-00 229 92 260

2000-01 642 181 171

2001-02 836 387 236

2002-03 1310 606 495

2003-04 1158 844 776

2004-05 1223 1050 1018

2005-06 1359 1197 1148

2006-07 1169 536 504

2007-08 1959 1619 2140

2008-09 2880 1796 2307

2009-10 2409 1124 836

2010-11 2581 1082 1595

2011-12 2278 824 1328

2012-13 2143 753 1247

Source: Annual Reports of Ministry of Rural Development, GOI

4.3.3.2 Swaran Jayanti Shahari Rozgar Yojana (SJSRY)

This scheme was introduced by Government of India w.e.f. 1.12.1997, which has been revamped

w.e.f. 1.4.2009. The scheme is funded in the ratio of 75:25 by the Govt. of India and State

Government. As per revised guidelines, the subsidy has been enhanced from Rs. 7,500 to Rs.

50,000 for individuals and from Rs. 1, 25,000 to Rs. 3,00,000 for Urban Women Self Help

Groups and Revolving funds @ 2,000 per member subject to maximum limit of Rs. 25,000 per

Thrift & Credit Society25. The cost of training has also been enhanced from Rs. 2,000 to Rs.10,

000 per trainee. An amount of Rs. 1,935.59 lakh of previous year 2012-13 was available with

districts. Up to December, 2013, by utilizing Rs. 1,163.93 lakh, loan & subsidy to 1,000

individuals and 34 UWSHG have been provided, 18,114 persons trained and 3,193 persons are

under training, 52 Thrift & Credit Societies are assisted and 0.02 lakh man days are generated.

25 http://esaharyana.gov.in/Data/Economic%20Survey%20of%20Haryana/2013-14.pdf

148

There is provision of Rs. 452 lakh of State share of SJSRY in current financial year, out of which

Rs. 145 lakh is earmarked for the welfare of Scheduled Caste. The Government of India has

recently announced new poverty alleviation scheme namely National Urban Livelihood Mission

(NULM) which would replace the ongoing scheme of SJSRY26.

4.3.4 NABARD’s SHG-Bank Linkage Programme (SBLP) in Haryana

In our economy, women constitute about fifty percent of the total human resources. However

women are the more deprived and underprivileged than men as they are subject to many socio-

economic and cultural constraints (Lakshmi and Vidivalagan, 2012). The Self Help Group

movement has flourished and spread out in India on account of the success of NABARD pilot

project in 1992 and the main focus has been given on Self Help Group as a reliable instrument

for women empowerment in the 9th five year plan (Ghadge, 2014). SHGs-Bank Linkage

Programme is emerging as a cost effective mechanism for providing financial services to the

“Unreached Poor” (Shivakumar and Prabhakaran, 2012) which has been successful not only in

meeting financial needs of the rural poor women but also strengthen collective self help

capacities of the poor, leading to their empowerment.

In the state of Haryana, the SHG- Bank linkage programme started in 1997-98. Since then the

number of SHGs linked to the banks have increased considerably especially during the last few

years. The cumulative number of SHGs in Haryana as of 31st March, 2009 was recorded to be

17,436. The total bank loans provided to all these SHGs as of 31st March 2009 were Rs.

6,383.91 lakh. Haryana Regional Office of NABARD (National Bank for Agricultural and Rural

Development) has extended a record support of Rs. 6031 crore for Agriculture and Rural

Development in the State of Haryana during the year 2012-13, recording a growth of 19% over

the year 2011-12 (Rs. 5091 crore). An analysis of distribution of SHGs across districts in

Haryana reveals that the southern part of the State comprising Gurgaon, Mewat, Rewari and

Mahenderrgarh districts has larger share of SHGs. Gurgaon district (including Mewat) has the

maximum number of SHGs in Haryana. Model-wise SHG-Bank linkages analysis for the State

further brings to the fore that as on 31st March, 2004, 75.18 percent of SHGs had bank-linked

26 Economic Survey of Haryana 2013-14.

149

under Model II and the remaining (24.82 per cent) had been linked under Model I. There was

absolutely no presence of Model III SHG bank linkage in the State. Credit projections of Rs.

66971 crore for the year 2013-14 for Haryana, for various Priority Sector activities were

approved in the State Credit Seminar organized by NABARD on 21st February 2013 in the

presence of Shri Paramvir Singh, Ex. Agriculture Minister, Government of Haryana. Out of total

projections Rs. 44815 crore (67%) is projected for Agriculture sector. These projections

represent a growth of 16% over the Annual Credit Plan of the State for the year 2012-13 (Rs.

57647 crore). The total number of SHGs formed up to 2013 was 42580 and amount of Rs.

403.07 lakh was saved. It shows -3.63% growths in the number of SHGs formed over the

previous year and 9.58% growth was in saving amount. Up to March 2013, total of 23194 groups

have outstanding loan of amount Rs. 2640 millions. Total amount of Rs. 516 millions was

disbursed to 3214 SHGs up to March 2013. Tale 4.19 shows the total number of SHGs formed

under SBLP and total amount which was disbursed to the members. It also explained the

refinance amount for the period of 1996-2013. In the year of 1997, only 7 groups were formed

which increased to 42580 up to the year of 2013.

Table: 4.19 Progress of SHG-bank Linkage under NABARD in Haryana

Year Numbers of SHGs Loan amount Refinance (lakh)

1996-97 7 - -

1997-98 10 - -

2000-01 537 15.57 90

2001-02 970 37.29 181

2002-03 1524 69.44 176

2003-04 2344 146.43 105

2004-05 3351 200.63 224

2005-06 9512 876.98 967.86

2006-07 17769 1864.72 2067.41

2007-08 23570 2613.89 2865.23

2008-09 33257 6383.91 6741.87

2009-10 36762 4669.74 4921.12

2010-11 35319 6243.46 6382.71

2011-12 44184 6195.93 6744.82

150

2012-13 42580 5156.39 5479.18

Source: SHG- Bank Linkage report, various years

Note: Number Cumulative, Disbursement in Rs. 10 Lakh and Refinance in Lakh.

Table 4.20 shows the total saving amount under SBLP of NABARD for the period of 2007-13. It

is clear from the table that saving amount is increasing yearly. There is also an increment in

number of outstanding loans and amount of outstanding loan from 2007-13. The total saving

amount was Rs. 4030.73 lakh in the year of 2013. In 2013, the total numbers of outstanding loan

was 23294 with total of Rs. 26397 lakh as outstanding loan amount.

Table: 4.20 Loan and Savings Amount Under SHG-Bank Linkage In Haryana

Year Saving Amount (Lakh) Numbers of

Outstanding loan

Amount of outstanding loan

(lakh)

2007-08 1365.15 10967 10742

2008-09 2547.93 15312 12414

2009-10 10762.55 15802 15507

2010-11 9920.45 19369 19827

2011-12 3678.35 21433 20575

2012-13 4030.73 23294 26397

SBLP is promoted and financed by government organizations and NGOs. Commercial banks,

cooperative banks and RRBs all are helping in promoting the SBLP in the state. As on March

2013, total amount of Rs. 3248.44 lakh were disbursed as loan to 1682 SHGs by Public sector

commercial banks. Out of the total amount, Rs. 2416.73 lakh were disbursed to 1310 women

SHGs. RRBs disbursed total amount of Rs. 2760.07 lakh to 2056 SHGs and Rs. 187.42 lakh

were disbursed to 127 SHGs by Cooperative banks. Out of the total amount, Rs. 2170.66 lakh

were disbursed to 1625 women SHGs by RRBs and Rs. 104.90 lakh were disbursed to 92 women

SHGs by Cooperative banks. It is observed form the table that mostly commercial banks and

RRBs play major role for promoting and financing the SHGs (Table 4.21).

151

Table: 4.21 SHG-bank Linkage Agency Wise Position in Haryana as on 31st March 2013

(Amount in Lakh)

Sr. No.

Name of Bank

Total Loans disbursed

during the year

Out of Total - Loan

disbursed under SGSY

Out of Total - Loan

disbursed

Exclusive to Women

SHGs

No. of SHGs Loans

Disbursed

No. of

SHGs

Loans

Disbursed

No. of SHGs Loans

Disbursed

Public Sector Commercial Banks

1. Allahabad Bank 5 40.00 5 40 5 40.00

2. Bank of Baroda 2 2 0 0 0 0

3. Bank of India 13 35.60 13 35.60 11 23.78

4. Canara Bank 17 29.42 17 29.42 17 29.42

5. Central bank of

India

35 91.67 35 91.67 10 23.69

6. Corporation

Bank

0 0 0 0 0 0

7. Dena Bank 18 9 0 0 0 0

8. IDBI Bank 0 0 0 0 0 0

9. Indian Bank 26 6.5 3 2.72 26 6.5

10. Indian Overseas

bank

0 0 0 0 0 0

11. OBC 105 77.64 101 71.64 86 65.91

12. PNB 735 1705.71 699 1660.88 650 1466.25

13. Punjab & Sind

Bank

91 91.27 41 41.07 51 46.82

14. SBI 407 752 25 31 312 536

15. State bank of

Patiala

140 320.30 77 165.20 72 109.97

16. Syndicate Bank 48 51.55 21 47 34 35.05

17. UCO Bank 15 16.77 11 9.67 15 16.77

18. Union Bank of

India

23 14.01 23 14.01 19 11.57

19. Vijaya Bank 2 5 2 5 2 5

TOTAL 1682 3248.44 1073 2244.88 1310 2416.73

152

Source: NABARD’s Reports

Private Sector Commercial Banks

1. HDFC 0 0 0 0 0 0

Total 0 0 00 0 00 0

Regional Rural Banks

1. Gurgaon

Grameen bank

1445 2005.07 312 786.99 1227 1678.84

2. Haryana

Grameen bank

611 755.00 497 644.86 398 491.82

TOTAL 2056 2760.07 809 1431.85 1625 2170.66

Co-operative Banks

1. Ambala DCCB 1 .5 0 0 1 .5

2. Bhiwani DCCB 00 0 0 0 0 0

3. Faridabad

DCCB

0 0 0 0 0 0

4. Fatehabad

DCCB

9 15.10 9 15.10 5 11.70

5. Gurgaon DCCB 0 0 00 0 0 0

6. Hisar DCCB 35 86.77 35 86.77 7 15.40

7. Jhajjar DCCB 0 0 0 0 0 0

8. Jind DCCB 0 0 0 0 0 0

9. Kaithal DCCB 0 0 0 0 0 0

10. Karnal DCCB 17 4.65 0 0 17 4.65

11. Mahendergarh

DCCB

9 13.35 3 7.75 6 5.60

12. Punchkula

DCCB

1 .25 0 0 1 .25

13. Panipat DCCB 0 0 0 0 0 0

14. Rewari DCCB 20 44.90 16 41.70 20 44.90

15. Rohtak DCCB 0 0 0 0 0 0

16. Sirsa DCCB 35 21.90 35 21.90 35 21.90

17. Sonipat DCCB 0 0 0 0 0 0

18. Yamuna Nagar

DCCB

0 0 0 0 0 0

TOTAL 127 187.42 98 173.22 92 104.90

153

4.3.5 SCRIA (Social Centre for Rural Initiative and Advancement)

SCRIA is a community based organization working in the southern Haryana. SCRIA has been

promoting microfinance through its Samridhi programme. SCRIA’s Samridhi programme acts as

an umbrella for promotion of rural entrepreneur and fair trade, micro credit support and rural

crafts activities. In 1997, SCRIA formed the Shakti Parishad for women to come together for

helping other women fight for their right and dignity. In the reporting period the outreach for

intensive activities was in nearly 1200 villages in the districts of Rewari, Mahendergarh and

Jhajjar in southern Haryana up to 2012. Since 1979, it has been covered 1213 villages including

937 Sangathans and 9633 members. The total numbers of loan was 6126 and amount disbursed

was Rs. 64730000. The main IGAs were agriculture, livestock related, trading and production

related activities.

4.3.6 Mewat Development Agency (MDA)

To deliver social and economic justice to the backward and under-privileged sections of society,

the Government of Haryana created the Mewat Development Board (MDB) in 1980. Since 1995,

the MDA has been implementing the Mewat Area Development Project (MADP) in

collaboration with International Funds for Agriculture Development (IFAD). MDA started its

operations with the objectives to improve the economic and social well-being of the Meo

community, to promote gender self-reliance on a sustainable basis and to broaden the range of

economic opportunities available to the community. The initial period of the Project was seven

years, effective from 1995-96 to 2002-2003. However, it was extended up to 31st March, 2005.

Having been encouraged with the performance of SHGs, the project period was extended for

another three years. During the period of the Mewat Area Development Project (MADP-IFAD),

the MDA also started a special programme of empowerment for women through constituting

Self Help Groups. Presently, MDA formed 3,467 Self Help Groups comprising 44,727 members

up to the year of 2013. Among these total members, 17.85 per cent of beneficiaries belong to the

SC community, 22.73 per cent are from B.C. community and 42.25 per cent from Meo

community. SPYM is implementing community developmental program in Mewat district of

Haryana since 1995 in partnership with Govt. of Haryana and International Fund for Agriculture

Development (IFAD). In last 12 years SPYM has formed more than 1000 all-women SHGs.

154

Training has been provided to more than 15,000 SHGs members, Panchayat representatives and

other stakeholders.

Table 4.22 shows that a total of 3251 SHGs were formed as on December, 2013. These groups

comprise 40183 members. Out of total groups, 1680 groups were benefited. The total saving

amount was Rs. 13.75 crores and total SHG loan amount was Rs. 57.65 crores. It is observed

from the table that in Punhana there was maximum SHGs in comparison of other blocks in

Mewat district. It was followed by Firojpur Jhirka, Tauru, Nuh and Nagina. Additionally, the

matching grant was Rs. 1.01 crores and the total amount of Group Development Funds (GDF)

was Rs. 95.18 lakh.

4.4 MICROFINANCE PROGRAMME IN MEWAT DISTRICT

The main occupation of the people of Mewat is agriculture and allied & agro-based activities.

The Meos (Muslims) is the predominant population group and is completely agriculturists. In

Mewat district, total no. of rural households was 192388, total rural population was 1102494 and

total no. of BPL households was 53270 in 2007. This district has been chosen, as it had the

history of SHG movement being started in a small way in the district in the year of 1998. At a

very set off, they were operated by NGOs and thereafter they are being operated by federation

framed by various authorities particularly with the efforts of MDA. The success of the Project

encouraged extending the project to other areas. Mewat Development Agency (MDA) and others

are the responsible agencies implementing the SHG programme in the district. Its main aim is to

empower the women economically, socially and also ensure skill development through training.

The self help groups in the district are formed through NGOs, who help in the formation of

SHGs, provide training and monitor the SHGs. The NGOs are provided formation cost and

monitoring cost for the above activities. The NGOs who are interested in partnering with MDA

for implementation of various schemes for women empowerment are affiliated. There are more

than 6 federations; these are like NGOs affiliated to various schemes in the district, the number

of groups being formed increases day by day27.

27 http://jms.nonolympictimes.org/Articles/5.pdf

15

5

Table: 4.22 Physical & Financial Performances of SHGs under MDA (as on 31 Dec. 2013)

Block

Total

No. of

villages

Name of Federation

Total

No. of

SHGs

Total No. of

benefited

SHGs

Total

Member

Total

Savings

Total SHG

Loan

Amount

Matching

Grant

GDF

Firojpur

Jhirka

78

Sewa Mahila Vikas

Samiti (SMVS)

678

336

8300

25634858

69337300

2267265

2168484

Punhana

96

Sahyog Mahila Vikas

Samiti (SMVS)

786

422

9336

31091355

125897600

2872850

2727200

Nuh

119

Ekta Mahila Vikas

Samiti (EMVS)

604

252

7720

28795850

133784100

1594384

1279800

Tauru

82

Nai Kiran Mahila

Vikas Samiti

(NKMVS)

608

302

7492

29594507

137170667

1689581

1630100

Nagina

68

Nai Roshni Mahila

Vikas Samiti

(NRMVS)

575

368

7335

22391188

110370523

1713088

1713088

TOTAL

443

- 3251

1680

40183

137507758

576560190

10137168

9518672

Source: MDA, Nuh

156

During the period of Mewat Area Development Project (MADP/IFAD), MDA has started a

special program of empowerment of women through constituting Self Help Group. MDA is

working regularly for Women Empowerment and formed 2208 Self Help Groups comprising of

26610. These Self Help Groups have contributed Rs. 14.17 crores as saving up to 31.12.2013.

An amount of Rs. 66.91 crores has been given as loan to 48601 SHG members. An amount of

Rs. 42.10 crores has been repaid by the SHG members. An amount of Rs. 1.24 crores has been

given by MDA to 1574 SHGs as Matching Grant and Rs. 1.16 crores to 2068 SHG as Group

Development Fund. Rs. 5.63 crores has been given 2455 beneficiaries as Micro Finance from

NMDFC Loan. MDA is running community & women empowerment programme through

Mewat Level SHG Federation and six Block Level SHG Federations. Rs. 120.00 lakh have

proposed under Community Development for the year 2012-1328. Table 4.23 shows the profile of

Mewat district regarding microfinance programme.

Table: 4.23 Microfinance Profile of Mewat District as on 31st March, 2012

Total numbers of blocks where SHGs exist 5

No. of NGOs in the district 10

No. of NGOs participating in the Credit linkage programme with

NABARD

2

Total number of Bank branches in the district CBs 32

RRBs 31

Coops 21

No. of branches participating in linkage programme CBs 32

RRBs 31

Coops 3

No. of banks acting as SHPIs CBs 00

RRBs 01

Coops 00

No of Govt./Other agencies participating 2 (NRLM and MDA)

Source: NABARD Office, Nuh.

In Mewat district, Microfinance is promoted under different programmes/projects by various

departments and agencies such as Banks are promoting SHGs under NABARD’s SBLP; DRDA

is promoting SHGs under SGSY & SJSRY and MDA is promoting SHGs under IFAD

programme in Mewat district of Haryana. Besides these, some NGOs are also working for the

promotion of Microfinance and progress of SHGs. The details of such programmes and schemes

implemented in Mewat district are given below:

28 http://mda.nic.in/SHG%20Information.htm

157

4.4.1 District Rural Development Agency (DRDA)

The District Rural Development Agency (DRDA) has initiated many programmes at district

level in rural areas through the state governments for poverty reduction, employment generation,

rural infrastructure habitant development, provision of basic minimum services etc. Followings

are the schemes under DRDA, Nuh.

4.4.1.1 Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS)

The objective of the Act is to enhance livelihood security in rural areas by providing at least 100

days of guaranteed wage employment in a financial year to every household whose adult

members volunteer to do unskilled manual work29. Mahatma Gandhi National Rural

Employment Guarantee Scheme was started in the Second Phase in Mewat district from 1st April

2007. Gram Panhayat is main implementing agency of Mahatma Gandhi NREGS. BDPO-cum-

Program Officer is responsible for implementation of MGNREGS in the Gram Panchayat.

Labour budget of Rs. 23.06 cr. has been prepared for the year 2013-14 and submitted to the

Government30. Table 4.24 demonstrates the progress report of MGNREGA in Mewat district.

Table: 4.24 Mahatma Gandhi NREGS Progress Report of Mewat since inception (up to

31st March, 2013) (Rs. in Lakh)

Sr. No. Items 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 Total

1. Total No. of Households issued Job

Cards (cumulative)

25000 28612 26050 32330 34732 36849 36849

2. Expenditure (Rs. lakh) 1509.77 1286.28 1378.28 1927.98 1614.45 1617.56 9334.32

3. Families demanded employment

(during the year)

17760 11856 9751 12448 9261 8855 69931

4. Families provided employment

(during the year)

17760 11856 9751 12448 9261 8855 69931

5. Works completed (during the year) 398 296 364 637 607 580 2882

6. Works under progress

(during the year)

178 191 143 51 66 110 110

29 http://in.tool-alfa.com/LinkClick.aspx?fileticket=S33n%2bGD%2bdBY%3d&tabid=72&mid=486

30 http://mewat.gov.in/pdf/DRDA/mnrega.pdf

158

7. Employment generated during

the year (lakh person days)

9.23 6.73 6.10 7.80 5.93 5.53 41.32

8. Average days of employment

provided (during the year)

52 57 63 63 64 62 59

9. Employment provided to women

(lakh man days)

2.35 1.82 2.59 3.27 2.52 2.41 14.96

10. Women days to Total person days 25.5 % 27% 42.5% 41.9% 42.49% 44% 36%

Source: http://mewat.gov.in/pdf/DRDA/mnrega.pdf

4.4.1.2 Swarnjayanti Gram Swarozgar Yojana (SGSY/NRLM)

Since inception of the scheme in this district 1322 SHGs have been formed up to March, 2013,

out of which 985 SHGs have been passed grade-I, 646 SHGs have been passed grade-II and 474

SHGs have been taken up economic activities and provided financial assistance by the

banks/Government so far. The dairy and rural artisans are the main activities of these groups.

The total allocation amount was Rs. 167 lakh up to the year of 2013. The amount of Central

Fund was Rs. 122.03 lakh and State Fund Rs. 40.68 lakh. Under SGSY, total amount of

expenditure was Rs. 163.10 lakh. The revolving fund of amount Rs. 20.50 lakh was up to March,

2013 (Table 4.25).

TABLE: 4.25 Financial Performance of SGSY in Mewat up to March, 2013

Source: DRDA, Nuh

Particulars Amount (in Lakh)

Allocation 167.00

OB 23.95

Central Fund 122.03

State Fund 40.68

Misc. Receipts 0.00

Expenditure 163.10

% of Expenses 87.38%

Revolving Fund 20.50

Infrastructure 14.34

Training 0.42

NGOs/Facilitators 13.02

159

In Mewat, total 1138 SHGs were formed under this scheme up to 2013. The highest groups were

formed in Nuh block i.e. 364 which is followed by Nagina (235), Tauru (206), Punhana (177)

and F.P. Jhirka (156). There was no dysfunctional group in any block of Mewat. The total of

778 groups passed grade-I and 518 SHGs passed grade-II. Total of 19 groups were involved in

economic activities after passing grade-I and 376 SHGs were engaged in IGAs after getting

grade-II. Out of total groups, 765 SHGs were women groups and 376 women SHGs were

involved in IGAs (Table 4.26).

Table: 4.26 Physical Achievements of SGSY in Mewat (since 1.4.05 up to March 2013)

PARTICULARS TAURU NUH NAGINA PUNHANA F.P.JHIRKA TOTAL

Total no. of SHGs formed 206 364 235 177 156 1138

Total no. of defunct SHGs 0 0 0 0 0 0

No. of SHGs passed Grade-I 120 309 159 115 75 778

No. of SHGs Passed Grade-II 45 231 132 73 37 518

No of SHGs involved in IGAs

after Grade-I

7 0 12 0 0 19

No of SHGs involved in IGAs

after Grade-II

42 154 75 61 44 376

No. of Women SHGs formed 130 202 179 117 137 765

No. of Women SHGs involved

in IGAs

42 154 75 61 44 376

Source: Office of DRDA, Nuh

Table 4.27 depicts the total number of SHGs and Individual Swarozgaris who were assisted

under this scheme. Total number of assisted SHGs and Individual Swarozgaris were 1091 up to

2013. Out of this, 292 were belongs to SC category, 1054 were women and 651 were minorities.

It is observed from the table that in Nuh block there were highest assisted SHGs and individual

members. Minorities were highest in the Punhana block. There was no evidence found of ST

category and disabled person.

160

Table: 4.27 Number of SHGs & Individual Swarozgaris-Assistance provided for pursuing

IGAs under SGSY in Mewat (March 2013)

BLOCKS

TOTAL NO. OF MEMBERS OF SHGs & INDIVIDUAL SWAROZGRIS ASSISTED

Total SC ST WOMEN MINORITIES DISABLED

Tauru 40 28 0 40 0 0

Nuh 305 146 0 304 120 0

Nagina 286 72 0 285 159 0

Punhana 236 14 0 215 214 0

F.P. Jhirka 224 32 0 210 158 0

TOTAL 1091 292 0 1054 651 0

Source: Office of DRDA, Nuh

Table 4.28 shows the total number of SHGs who were assisted under this scheme. Total number

of assisted SHGs was 1024 up to 2013. Out of this, 282 were belongs to SC category, 1022 were

women and 597 were minorities. It is observed from the table that in Nuh block there were

highest assisted SHGs. Minorities were highest in the Punhana block. There was no evidence

found of ST category and disabled person.

Table: 4.28 Number of SHGs-Assistance provided for pursuing IGAs under SGSY in

Mewat (March 2013)

BLOCKS TOTAL NO. OF MEMBERS OF SHGs ASSISTED

Total SC ST WOMEN MINORITIES DISABLED

Tauru 40 28 0 40 0 0

Nuh 303 145 0 302 120 0

Nagina 286 72 0 285 159 0

Punhana 201 8 0 201 187 0

F.P. Jhirka 194 29 0 194 131 0

TOTAL 1024 282 0 1022 597 0

Source: Office of DRDA, Nuh

161

Table 4.29 depicts the total number of Individual Swarozgaris who were assisted under this

scheme. Total number of assisted Individual Swarozgaris was 67 up to 2013. Out of this, 10 were

belongs to SC category, 32 were women and 54 were minorities. It is observed from the table

that in Punhana block there were highest assisted Individual Swarozgaris. Minorities were same

in F.P. Jhirka and Punhana block. There was no evidence found of ST category and disabled

person.

Table: 4.29 Number of Individual Swarozgaris-Assistance provided for pursuing IGAs

under SGSY in Mewat (March 2013)

BLOCKS TOTAL NO. OF MEMBERS OF INDIVIDUAL SWAROZGRIS ASSISTED

Total SC ST WOMEN MINORITIES DISABLED

Tauru 0 0 0 0 0 0

Nuh 2 1 0 2 0 0

Nagina 0 0 0 0 0 0

Punhana 35 6 0 14 27 0

F.P. Jhirka 30 3 0 16 27 0

TOTAL 67 10 0 32 54 0

Source: Office of DRDA, Nuh

Up to 2013, total amount of credit targeted was Rs. 438.80 lakh. Out of this total amount,

Punhana block has highest credit target which is followed by Nuh (Rs. 116 lakh), Nagina (Rs.

80.00 lakh), F.P. Jhirka (Rs. 64.00 lakh) and Tauru (Rs. 54 lakh). The total credit disbursed to

SHGs and swarozgaris was Rs. 370.78 lakh. The amount of subsidy disbursed to SHGs and

individual Swarozgaris was Rs. 114.83 lakh. The amount of overall disbursement was Rs. 485.61

lakh under the scheme of SGSY/NRLM (Table 4.30).

162

Table: 4.30 Subsidy & Credit Disbursed to SHGs and Swarozgaris under SGSY in Mewat

(March 2013) (Rs. in Lakh)

BLOCKS TOTAL

CREDIT

TARGET

CREDIT DISBURSED SUBSIDY DISBURSED TOTAL AMOUNT

DISBURSED

Total SHGs Individual Total SHGs Individual Total SHGs Individual

Tauru 54.00 15.66 15.66 0.00 4.34 4.34 0.00 20.00 20.00 0.00

Nuh 116.00 109.09 108.29 0.81 32.23 32.03 0.20 141.32 140.32 1.00

Nagina 80.00 83.42 83.42 0.00 30.98 30.98 0.00 114.40 114.40 0.00

Punhana 124.80 87.49 73.25 14.24 23.83 20.70 3.13 111.32 93.95 17.37

F.P. Jhirka 64.00 75.12 62.56 12.56 23.45 21.00 2.45 98.57 83.56 15.01

TOTAL 438.80 370.78 343.18 27.61 114.83 109.05 5.78 485.61 452.23 33.38

Source: Office of DRDA, Nuh

Table 4.31 shows the block wise and category wise Subsidy & Credit Disbursed to Weaker

Sections under SGSY in Mewat up to March 2013. The total amount of Rs. 127.34 lakh was

disbursed to Sc category in Mewat district. There was no evidence of ST category. Minorities’

persons received the total amount of Rs. 288.92 lakh and Rs. 470.35 lakh were disbursed to

women members. In Mewat district, there was no disabled person benefited by Groups.

Table: 4.31 Subsidy & Credit Disbursed to Weaker Sections under SGSY in Mewat

(March 2013) (Rs. in Lakh)

PARTICULARS TAURU NUH NAGINA PUNHANA F.P.

JHIRKA

TOTAL

SC

Credit 11.20 59.53 14.03 5.06 9.88 99.70

Subsidy 2.80 14.77 5.17 1.47 3.43 27.64

Total 14.00 74.30 19.20 6.53 13.31 127.34

ST

Credit 0.00 0.00 0.00 0.00 0.00 0.00

Subsidy 0.00 0.00 0.00 0.00 0.00 0.00

Total 0.00 0.00 0.00 0.00 0.00 0.00

Minorities

Credit 0.00 40.15 46.70 80.17 54.97 221.99

Subsidy 0.00 12.63 16.90 21.33 16.07 66.93

Total 0.00 52.78 63.60 101.50 71.04 288.92

Women

Credit 15.66 103.34 83.48 80.44 70.05 352.97

Subsidy 4.34 38.17 30.52 21.85 22.51 117.39

Total 20.00 141.51 114.00 102.29 92.56 470.35

163

Disabled Credit 0.00 0.00 0.00 0.00 0.00 0.00

Subsidy 0.00 0.00 0.00 0.00 0.00 0.00

Total 0.00 0.00 0.00 0.00 0.00 0.00

Source: Office of DRDA, Nuh

4.4.1.3 Swarna Jayanti Shahari Rozgar Yojana (SJSRY)

The Swarna Jayanti Shahari Rozgar Yojana (SJSRY) was launched on 01-12-1997, after subs

mind the earlier three schemes for urban poverty alleviation namely Nehru Rozgar Yojana,

Urban Basic Service for the Poor (UBSP) and Prime Minister’s Integrated Urban Poverty

Eradication Programme31. In the financial year 2012-13 an amount of Rs. 37.33 lakh have been

spent under SJSRY.

4.4.2 Mewat Development Agency

MDA is a funding agency which is working with the IFAD in Mewat district. MDA started its

operations with the objectives to improve the economic and social well-being of the Meo

community, to promote gender self-reliance on a sustainable basis and to broaden the range of

economic opportunities available to the community32. The Implementation Committee of Mewat

Development Board, in its meeting held on 13.12.1990, had emphasized the need to attract funds

from outside agencies/organizations for the speedy development of Mewat region. The MDA has

provided massive infrastructure in the region. But peoples` participation in development efforts

was lacking. Having realized it, MDA formulated a Project proposal for financial assistance to

socio-economic development of the area with full people’s participation and submitted to the

International Funds for Agriculture Development (IFAD), Rome for consideration. The Mewat

Area Development Project was approved by the IFAD Executive Board on 07.04.1995. The

initial period of the Project was 7 years effective from the year 1995-96 to 31.3.2003. However,

31 http://www.rohtak.nic.in/pdf/Brief_cheme2010-11.pdf

32 http://www.iimb.ernet.in/microfinance/Docs/Students/women%20empower%20Deepti.pdf

164

it was extended up to 31st March, 2005 and the project closed on 31.3.2005. Total Project cost

was US$ 22.28 million. The Area of operation of the Project was all blocks of Mewat region33.

Table 4.32 shows the consolidated financial progress of SHGs formed under MDA in Mewat

district up to the 2013. The total of 2208 SHGs were formed which has 26610 members. It

covered 461 villages of Mewat out of total villages i.e. 505. The total amount of savings under

MDA by SHGs was Rs. 14.17 crores. The highest savings was in Tauru block which is followed

by the Nagina, Nuh, F.P. Jhirka, Hathin and Punhana. The total amount of loan issues by MDA

was Rs. 66.91 crores. The total numbers of loans issued to members was 48601. Total numbers

of 1879 SHGs have taken credit from bank of Rs. 18.63 crores. The amount of interest collected

was Rs. 4.76 crores. The MDA matching grant was 1.24 crores. The total number of 2068 SHGs

was benefited by GDF of Rs. 1.16 crores. The total numbers of 345 SHGs were benefited by the

total number of loan i.e. 2455 with the amount of Rs. 5.63 crores.

33 http://www.indianngos.com/districts/mewat.asp

16

5

Table: 4.32 Consolidated SHG Financial Information under MDA (as on 31-12-2013)

PARTICULARS

F.P.JHIRKA

PUNHANA

NUH

TAURU

NAGINA

HATHIN

MDA

Total no. of Villages

82

85

108

81

67

82

505

Villages Covered

82

85

64

81

67

82

461

Total no. of SHGs

370

352

340

383

416

347

2208

Total Members

4399

3908

4171

4603

5408

4121

26610

Total Savings

21423754

19313950

24519650

29248543

27425643

19865480

141797020

Amount of Loan issued

48194900

107247100

134015800

160829577

150310049

68526500

669123926

No. of loans

3694

8986

8299

8147

11634

7841

48601

No. of SHGs issues Loan

248

325

247

338

418

289

1865

Amount Repaid

29740430

80743415

15743666

113614808

123818284

57425634

421086237

Interest Collected

4160452

9015712

9996006

12983880

10087795

1443521

47687366

Credit from banks

10274000

26270500

41890500

54561500

43095400

10245435

186337335

No. of benefited SHGs

316

420

319

270

406

148

1879

MDA Matching Grant

2267265

2872850

1594384

1689581

1713088

2310829

12447997

No. of Benefited SHGs

204

422

204

215

224

305

1574

GDF

2168484

2727200

1279800

1630100

1759400

2100000

11664984

No. of Benefited SHGs

336

422

252

302

368

388

2068

NMDFC Loan Amounts

9315000

7200000

15255000

8865000

11398500

4360500

56394000

No. of benefited SHGs

51

54

91

63

63

23

345

No. of loans to Members

414

320

618

394

508

201

2455

Source: MDA, Nuh

16

6

Table: 4.33 Consolidated Information about SHGs Loans for IGAs & Consumption under MDA (as on 31-12-2013)

Particulars

PUNHANA

F. P. JHIRKA

HATHIN

NAGINA

TAURU

NUH

MDA CUMULATIVE

Loan

Amount

Loan

Amount

Loan

Amount

Loan

Amount

Loan

Amount

Loan

Amount

Loan

Amount

Buffalo

1955

24875850

907

13880500

3867

41805625

2927

65787901

2233

51029955

1766

46887152

14655

244266983

Sheet/Goat

202

1175300

103

1759750

92

280421

525

3082058

98

726550

367

2406980

1387

9431059

House Repair

542

6600550

117

1330300

445

4025484

391

5127650

567

14104845

705

11539960

2767

42728789

Purchasing Land

113

2707800

78

2223500

25

202531

133

2493000

47

1026300

129

982320

525

9635451

Paying Loan

365

3620200

112

706500

131

1365500

204

2217800

192

2414600

324

3833160

1328

14157760

Petty Loan/Basin

2194

32833350

955

15901700

512

5061764

2052

30635600

1213

32757200

1575

34962580

8501

152152194

Education

30

491500

85

1156250

238

1167926

56

600100

92

1763250

176

1360420

677

6539446

Medicine

185

1042600

117

736650

314

2195351

155

821900

212

4335600

320

2948720

1303

12080821

Fodder

80

400000

96

830350

461

1860900

283

2083800

269

2664447

521

3337520

1710

11177017

Marriage

659

10372550

196

2530000

261

2730450

459

6734500

545

13753300

562

7884880

2682

44005680

Consumption

1448

6770450

302

1416450

913

4118436

2456

13108470

2240

28084540

638

3823600

7997

57321946

Agriculture

434

4188550

392

2566950

481

3307570

628

9269960

205

3326350

417

8070480

2557

30729860

Mudha Making

42

414000

3

22500

0

0

3

25000

1

2500

84

250240

133

714240

Flour Mill

26

246500

32

701000

0

0

12

229000

12

323440

109

471360

191

1971300

Shoe Making

107

1034000

10

18500

4

7600

29

148200

34

276500

17

68000

201

1552800

Cycle Rickshaw

38

354000

17

45250

8

43200

55

633400

57

1431000

93

284240

268

2791090

Sewing Machine

84

556300

37

258250

0

0

17

264700

20

243900

87

316132

245

1639282

Camel Cart

78

674100

10

202000

18

22742

37

565300

9

140000

16

262000

168

1866142

Milk Purchasing

146

3016000

49

1115500

59

90250

49

725500

13

468000

105

1135600

421

6550850

Festivals

1

2000

5

45500

0

0

0

0

34

256800

146

1043256

186

1347556

Diesel Engine

80

1858500

37

267750

4

137500

121

4872000

30

1165500

50

917240

322

9218490

Fodder Cutting

Machine

1

30000

4

22500

0

0

3

77000

5

37000

16

152320

29

318820

Piggery

4

47000

0

0

0

0

15

23710

0

0

14

214880

33

285590

16

7

Poultry Farm

35

735500

15

343000

8

103250

18

722500

6

208000

21

350200

103

2462450

Diesel

Eng.

Repair

98

1612000

14

93750

0

0

6

61000

11

163000

3

99800

132

2029550

Fisheries

15

339500

1

20500

0

0

0

2

127000

38

412760

56

899760

Cooperative Jobs

0

0

- -

- -

- -

- -

- -

0

0

Sanitation

6

77000

- -

- -

- -

- -

- -

6

77000

Bakery

6

300000

- -

- -

- -

- -

- -

6

300000

Company Jobs

1

10000

- -

- -

- -

- -

- -

1

10000

Vehicles

Purchase

2

500000

- -

- -

- -

- -

- -

2

500000

Tent

1

100000

- -

- -

- -

- -

- -

1

100000

Hand Fan

7

162000

- -

- -

- -

- -

- -

7

162000

Marvel Machine

1

100000

- -

- -

- -

- -

- -

1

100000

Total

8986

107247100

3694

48194900

7841

68526500

11634

150310049

8147

160829577

8299

134015800

48601

669123926

Source: MDA, Nuh

168

Table 4.33 shows the income generating activities taken by SHGs as on March 2013 in Mewat

district. It also measured the total number of loan and amount disbursed to SHGs for economic

activities. Table observed block wise and cumulative loan amount. The total amount of Rs.

669123926 was disbursed to SHGs for IGAs under MDA. The total number of loan was 48601.

It is clear from the table that there was highest number of loan disbursed for IGAs in Nagina

block i.e. 11634 which is followed by Punhana (8986), Nuh (8299), Tauru (8147), Hathin (7841)

and F.P. Jhirka (3694). The highest amount of loan was sanctioned to Tauru block i.e. Rs.

160829577. It is followed by the Nagina, Nuh, Punhana, Hathin and F.P. Jhirka.

4.4.3 NABARD’s SHG Bank Linkage Programme

NABARD also launched Self Help Group (SHG) and bank linkage programme in 1997 in

Mewat. These programmes have become a very effective tool for the upliftment of the socio

economic status of poor rural. There are many facts to show the performance of NABARD’s

SBLP. However, this programme had started very late in Mewat district as compared to other

districts in the state of Haryana. The socio-economic status of women is very severe in the rural

and backward areas like Mewat. A total of 5791 SHGs (including SHGs formed by MDA) have

been formed in the district as on 31st March, 2014. Mewat district have the highest number of

SHGs in the state of Haryana and the movement is well established here and is ripe for

graduation to micro enterprise (Table 4.34).

Table: 4.34 Progress of SHG-Bank Linkage Programme under NABARD in Mewat

Particulars 2012 2013 2014

Number of SHGs promoted 4477 5046 5791

Number of SHGs credit linked 3859 4706 4776

Amount of outstanding bank loan (Rs. lakh) 1067 2119 2598

% of women SHGs 95% 95% 95%

Average loan per SHGs (Rs. lakh) 0.30 0.45 0.54

Source: NABARD Office, Nuh

169

4.5 CONCLUSION

The progress of microfinance programme in the state of Haryana and Mewat district was slow in

initial stages when the movement was started. But now it has taken a considerably growth in

mostly backward areas of Haryana. It is taking many shapes in this state as microfinance

movement is promoting by different organizations and agencies under different programmes and

schemes. In Haryana, it was implemented at later stage. Out of all programmes, SGSY/NRLM

and SBLP of NABARD has shown major growth in the number of SHGs formed and loan

disbursed. It also proved beneficial for improving the living standard of rural poor. In Mewat

district, both MDA and SGSY/NRLM is doing well for enhancing the living standard of poor

and raise them above poverty line. SGSY mainly focused on BPL families and MDA focused on

women empowerment. The results of these organizations are very appreciable and encouraging.

Also, some NGOs are working in this area. There is no doubt that microfinance has positive

impact on income and employment level of rural poor people especially women in Mewat

district. Despite all, there is also a need for some innovative policies/strategies and initiatives to

be taken in this region regarding microfinance programme so that rural poor can enhance their

level and for the betterment of their livelihood. These initiatives should be based on inclusive

development.