SWARNA JAYANTI SHAHRI ROZGAR YOJANA

URBAN POVERTY ALLEVIATION PROGRAMME

BY- PRATIK YADAV

COURSE-BPLAN
TRANSITION PHASES IN THE COURSE OF
SCHEME

Restructured
as Deendayal
Antyodaya
Scheme was Yojana –
later revamped National Urban
in the year Livelihoods
2009 with Mission since
Became revised September,
Operational on guidelines. 2013
1st December,
1997.
OBJECTIVE
Swarna Jayanthi Shahari Rozgar Yojana was launched as a replacement of three other
schemes that addressed poverty alleviation.
 Nehru Rozgar Yojana (NRY)
 Urban Basic Services for the Poor (UBSP)
 Prime Minister’s Integrated Urban Poverty Eradication Program (PMIUPEP)

Setting up of self-employment ventures or provision of wage employment

Providing profitable employment to the urban unemployed and the underemployed

poor
 Promotion of Skill Development & Training Programmes
 The Empowerment of the community to address the issues of urban poverty
through suitable self-managed community structures
FUNDING PATTERN
 The scheme will be funded on a ratio of 75:25, wherein the Central Government
contributes the majority and the state governments the least.
 The ratio of funding differs for special category states, where the same has been
affixed as 90:10 in a similar proportion between the Central and State
Governments.
 Arunachal Pradesh
 Assam
 Manipur
 Meghalaya
 Mizoram
 Nagaland
 Sikkim
 Tripura
 Jammu & Kashmir
 Himachal Pradesh
 Uttarakhand
COMPONENTS OF SCHEME
The scheme consists of five major components, which are:
 Urban Self-Employment Program (USEP)
 Urban Women Self-Help Program (UWSP)
 Skill Training for Employment Promotion amongst Urban Poor (STEP-UP)
 Urban Wage Employment Program (UWEP)
 Urban Community Development Network (UCDN)
COMPONENTS OF SCHEME
The scheme consists of five major components, which are:
 Urban Self-Employment Program (USEP)
 Urban Women Self-Help Program (UWSP)
 Skill Training for Employment Promotion amongst Urban Poor (STEP-UP)
 Urban Wage Employment Program (UWEP)
 Urban Community Development Network (UCDN)

Apart from these, a special component program known as the Urban

Programme for Poverty reduction among SCs and STs (UPPS) will form a part
of USEP and STEP-UP.
URBAN SELF EMPLOYMENT PROGRAMME

USEP focus on providing assistance to individual urban poor beneficiaries for

setting up gainful self – employment ventures.

An Infrastructure component enable setting up Micro-Business Centres (MBC’s),

housing common facilities and Informal Sector markets, to be managed by the
beneficiaries themselves in collaboration with other stakeholders.

Targets the Urban Population below poverty line.

The Project Cost Ceiling for Individual enterprises for self employment is Rs.2
Lakhs with subsidy component of 25% of the project cost or Rs.50000.

In the Infrastructure Component, an average of Rs.80 Lakh can be provided for
the MBC’s for the running cost for 3 Years.
URBAN WOMEN SELF HELP PROGRAMME

Minimum no. of Women in a Women Self – Help Group should be 5.

 UWSP aimed at providing assistance by way of subsidy to urban poor women

for setting up gainful group enterprises with SHG-Bank linkage.

 For setting up group enterprises, the UWSP group shall be entitled to a subsidy
of Rs. 300,000/- or 35% of the cost of project or Rs. 60,000/- per member of
group whichever is less. The Remaining account will be mobilized as Bank Loan.

 Revolving Fund assistance also be provided to the Thrift & Credit Societies
formed by the Urban Poor Women at the rate of Rs. 2000 with a ceiling of
Rs.25000.

 The groups will be encouraged to undertake social security for members.

SKILL TRAINING FOR EMPLOYMENT PROMOTION AMONG
URBAN POOR (STEP-UP)
 The Percentage of Women beneficiaries under STEP-UP shall not be less than
30% and special provision of 3% for differently – abled.

 Provide Training to the urban poor in variety of service, business and

manufacturing activities such as Carpentry, Plumbing, electrical and also in
manufacturing low cost building materials based on cost effective technology.

 Skill Training may be linked to Accreditation, Certification and preferably be

taken on PPP mode with the involvement of IIT’s, NIT’s and Industry
Associations.

 The average unit cost allowed for training will not exceed Rs. 10,000/- per
trainee’s fees, toolkit cost and other miscellaneous expenses.
URBAN WAGE EMPLOYMENT PROGRAMME (UWEP)

 Seeks to provide wage employment to beneficiaries within the jurisdiction of

ULB’s by utilising their labour for construction of socially and economically
useful public assets.

 These assets may be Community Centres, Storm water drains, Night shelters,
Kitchen sheds in Primary Schools under Mid day Meal Scheme and other
community requirements like Parks, SWM facilities as decided by community
structure themselves.

 The UWEP was applicable only to towns/ cities with population upto 5 lakhs, as
per the 1991 census.

 Special emphasis on the construction in low income neighbourhoods with a

strong involvement and participation of local communities.
URBAN COMMUNITY DEVELOPMENT NETWORK (UCDN)

 UCDN to support and promote community organizations and structures such

as Neighbourhood Groups (NHGs), Neighbourhood Committees (NHCs), and
Community Development Societies (CDSs) to facilitate Sustainable
Development.

 CDSs were the focal point for purposes of identification of beneficiaries,

preparation of applications, monitoring of recovery, and generally providing
whatever other support is necessary to the programme.

 The CDSs can also identify viable projects suitable for that particular area.
BUDGET ALLOCATION

Funds under SJSRY are released

to states as a whole, without
segregating into components,
thereby giving flexibility to them
in utilizing funds.
STATES HAVING OUTSTANDING PERFORMANCE
Under Swarna Jayanti Shahari Rozgar Yojana (SJSRY), in Large States and Union
Territories, Andhra-Pradesh received the Award for the Best State for
promoting Community Organizations.
Bihar got the award for the Best State for Skill Training of Urban Poor.
Odisha got the award for the Best State for providing Self-Employment to
Urban Poor.
Amongst the Small States and Union Territories, Mizoram got the Award for
Best State for overall performance.
CASE STUDY- SWAYANSHREE
Micro finance has emerged as an effective tool for poverty alleviation and
empowerment of poor.
SWAYANSHREE is a model
of SHG’s federation formed
and strengthened in Cuttack
for providing alternative
banking services
to urban poor.
CASE STUDY- SWAYANSHREE
SWAYANSHREE, a Federation of nearly 500 SHGs has been operating in the
urban slums of Cuttack City (Orissa).
This Federation, controlled & owned by urban poor women clients, is a
poverty focused Micro-finance institution, designed to address the financial
service needs of urban poor and vulnerable women in the informal sector
economy, who have limited or no control over the income.
The Federation emerged out of expressed need at the bottom along with
right facilitation from the top.
It is a joint effort of member and promoting institution. Hence the process is
both evolution and application.
TARGET AREA & POPULATION
Its programs are operated mainly in the slums. The target population of
SWAYANSHREE is concern only people from the poorer section of the
society are eligible to be part of its programs.
Currently only women are allowed to be the members of the organization.
ORGANOGRAM AND ITS OBJECTIVE
 To provide community based support for developing self-sustaining primary
groups.
 To establish external linkage for accessing government organizations & NGO’s.
To Liaison with govt. and other
institution in support of poor.
 To facilitate expansion of
program both horizontally and
vertically.
UNIQUE FEATURES
 Client owned, managed & Controlled organization focusing on microfinance.
 Rotation of leadership through democratic process, Groups/zones/Federation
leaders gets changed in every two years time.
 Frequent need based credit disbursement.
 Launch of livelihood programme in collaboration with Manav Vikas,
Bhubaneswar.
 Initiation of health services to clients in collaboration with NABARD.
 Initiation of insurance services to clients in collaboration with LIC of India and
New India Assurance Ltd.
PERCEIVED IMPACTS
 Dependency on moneylenders has been reduced substantially.
 Saving practice established, individual saving deposit increased and future
financial insecurity removed.
 Payment of high credit cost in informal market reduced and family income
increased.
 Number of women entrepreneurs increased.
 Asset creation in the name of women (in some cases) has got materialized.

 The Federation has outreach of 79 slums of Cuttack city. It has formed 750
SHGs with membership of more than 10,000 urban poor.
CONCLUSION
The Swarna Jayanti Shahari Rozgar Yojna (SJSRY) and floundered mainly due to lack of proper
coordination between the Municipal authorities and the disbursing banks.
Under CDS structure of Swayanshree gives a lesson to planners that the poor women are
capable of managing municipal affairs and empowering urban poor women through organizing
and mobilizing thrift and credit for livelihood development.

Thus it becomes imperative that following tweaks were included to scheme:

 Planners to contribute in drawing development plans locally in a participative and gender
sensitive manner.
 Direct linking in between banks and SHG’s which was absent during functioning of scheme.
 Planners should focus more towards long terms solutions rather than ad-hoc solutions. Focus
should be on facilitation of livelihood for each section by understanding proper demand and
supply scenario and arranging population in the vicinity of that demand so as to create a iron-
magnet scenario. It is possible through land use planning at decentralized level.