SHG Member tengin lungluttah a nana sim chiet ding uh, na memberpite ban uah, na lawmte uh kung tanpha a na gensawm thei teitei na ding ua deisahna lianpi toh hing ki gial ahi. A hithei tan in niteng in sau loulou, tom tit tet leh chieng tah in hing ki post suhsuh ding ahiman in a sim thei liai teng in ana sim jel dingin iki chiel ahi. Zou ham sim theilou na um kha ua ahileh hing theisah unla, ahithei tan a na simtheina ding ham penpen toh hing kiletpia nalai ding ahi. Ki suongla lou kei in na sim theilou leh hing theisah teitei un.
T. Zamlunmang Zou
District Mission Manager
CONTENT
1. NRLM kichi bang?
2. NRLM leh MSRLM.
3. MSRLM Kivaihawmna.
4. NRLM tungtawn a nasep dingte?
a. IBCB
b. SISD
c. FI
d. LP
e. MIS, M & E
5. SHG kichi bang? SHG tup-le-ngiimte.
6. Bang ziah a SHG ka pang dila?
7. SHG leh a sangzaw sem kipawl khawmna leh a sepdingte.
8. Juilou theilou SHG daante bang.
9. Bang tobangte SHG hoi kichi?
10. SHG leh Marup
11. SHG meeting bawl didan
12. Kal teng a meeting nei a phattuomna
13. SHG Best Practices
14. SHG member khat hina dawl a ana phattuompite thusim.
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Lesson - 01
NRLM BANG AHIA?
NRLM lamsau ahileh National Rural Livelihood Mission china ahi. India solkal, Ministry of Rural Development in June 2011 a ana patkhiet hita hi. A scheme min dihtah ahileh DAY-NRLM ahi, a lamsau ahileh Deendayal Antyodaya Yojana-National Rural Livelihoods Mission kichi ahi.
A tup-le-Ngiim:
Mi zawng/vaicha/pasi te tungtawn a kipawlkhawmna (SHG, VLF, CLF) pawl hat tah siemkhiet ding, tua kipawlkhawmna tungtawn a mi zawng leh tasamte'n tatlou kei a amau mimal kitoudel theina ding nasepna leh sum-le-pai a mu theina ding uh lampi siemsah ding.
A manphatna / Values:
1. A zawngte lah a zawng diahte pangsah teitei ding, tualeh nasep silbawl chinteng a kihal sah teitei ding.
2. Pawl (SHG/VLF/CLF) toh kisai a nasep silbawl taphot a guh-agal a bawl um lou ding, member teng in mawpuahna la chiet ding.
3. Member tengin neitu hina lungsim a nei ding, sil kibawl taphot - vaiguol (planning), nasepna (implementation) leh Etzuina (Monitoring) tenga member teng a ki hal suo ding uh.
4. Mahni kitoudel jou leh ki enkai jou dinga SHG memberte siemkhiet ding.
*DAY-NRLM Scheme nuai a Nasep ding a bawng/khiil (Thematics) a umte:*
1. IB & CB - Institutional Building and Capacity Building.
2. SI & SD - Social Inclusion and Social Development.
3. FI - Financial Inclusion
4. LP - Livelihoods Promotion (Farm & Non-Farm)
5. Systems - Monitoring & Evaluation, MIS.
===========================
Lesson - 2
NRLM leh MSRLM
Amasa in NRLM en masa vai maw. A bul lam ah zong i genta, NRLM kichi ahileh National Rural Livelihood Misison china ahi. Tu in ahileh DAY-NRLM kichita hi. DAY-NRLM lamsau ahileh Deendayal Antyodaya Yojana - National Rural Livelihood Misison china ahi. DAY-NRLM ahileh India government in kum 2011 Jun ha a ana pat ahita hi. Mi rethei/ vaicha/pashi/mi genthei leh zawngte dopkangna ding a India Government nuai a Ministry of Rural Development in a na pat scheme min khu DAY-NRLM ahi.
MSRLM ahileh Manipur State Rural Livelihoods Mission china ahi. India Govt scheme DAY-NRLM kichi khu India pumpi mi gentheite innsuon chin a a tuntheina dia state solkal chin in State min ban a SRLM chia a minvaw in, pawl/organisation khat a bawl jel. Tuami Manipur Government in Department of Rural Development and Panchayati Raj (RD&PR) nuai a Manipur State Rural Livelihoods Mission (MSRLM) chia pawl khat abawl ahi. MSRLM in DAY-NRLM scheme khu I innsuon chin a ang tunsah ding ahi.
A tom theipen a gen in DAY-NRLM ahileh scheme min, MSRLM ahileh pawl/organisation/society min. DAY-NRLM scheme khu innsuan a aluang luttheina ding a nasem pawl ahi.
========================
Lesson - 3
MSRLM KIVAIHAWMNA
MSRLM kichi scheme hilou, pawl min ahi i thei chietta ua, tu'n MSRLM pawl sunga kivaihawmna um dan enkia vai le.
CM, Ministerte telna Governing Body kichi a sangpen a um. Governing Body nuai ah Executive Committee kichi umkia in, tuana Line Department leh expert tam tah tel kia. Executive Body nuai a State Mission Management Unit (SMMU) kichi Office khat um in, SMMU a a lian pen ahileh State Mission Director kichi. SMD nuai a State Mission Manager kichi in a tunglang a i gen NRLM nuai a nasep ding um a bawng/khil a kikhente SMM khat in a etkai jel. Tuate ahileh SMM-IB&CB, SMM-FI, SMM-Livelihood, SMM-HR, SMM-FM, SMM-SISD, SMM-MIS, SMM-M&E chia misiam leh theina sangtah neite'n a etkai chiet uh. SMMU nuai a District level office DMMU kichi um suh, DMMU nuai a block level office BMMU kichi umsuh kia.
Manipur SRLM
|
Governing Body
|
Ececutive Committee
|
State Mission Management Unit
(SMD, SMM-IB&CB, SMM-FI, SMM-Livelihood, SMM-HR, SMM-FM, SMM-SISD, SMM-MIS, SMM-M&E)
|
District Mission Management Unit (DMMU)
(DMD/DC, DMM, DC-IB&CB, DC-FI, SMM-Liv, DC-HR, DC-SISD, DC-MIS, DC-M&E, DAA)
|
Block Mission Management Unit (BMMU)
(BMM, CC, MIS/DEO)
=========================
Lesson - 4
DAY-NRLM nuai a nasep ding a bawng/khil a umte:
Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM) kichi bang hi a, a tup-le-ngiim, a hoina chite Lesson - 1 ah i sin ta ua, tuni'n DAY-NRLM nuai a bang bang bawl ding leh bawl thei um chite enkia ding ihi.
DAY-NRLM scheme nuai ah Nasep Silbawl ding a bawng/khil/themetic tuomtuom in ki khenkhia hi. Tuate ahileh:
1. Institution Building and Capacity Building (IB & CB)
2. Social Inclusion and Social Development (SI & SD)
3. Financial Inclusion (FI)
4. Livelihoods Promotion (Farm & Non-Farm)
5. MIS, Monitoring & Evaluation
A kichian zaw deu in en vaile.....:
1. Institution Building and Capacity Building (IB & CB)-
Institutional Building ahileh vaicha ho/rethei leh pashi hai /mi zawng leh gentheite ding a kipawpla/kivaihawmna pawl/organisation bawl ding chi ahi. Organisation bawl ding kichite bang bang adiai le? A nuai ah level 4 a genchien ding ihi. Capacity Building ahileh SHG memberte theina leh muhna hoisemna um theina dinga training tuomtuom piah ding china ahi.
A. Institutional Building:
Level 1na: Self Help Group (SHG) siem ding. Lui dung apat loulai a tui ahing luonlutna dinga poimaw tuilam/nulah ahibang in DAY-NRLM scheme innchin a ahing tuntheina di'a Self Help Group bawl ngai hi. DAY-NRLM leh Govt scheme dangte toh akibah louna ahileh scheme dangte ahileh DC apat Hausa tawn a hing tung zel ahi. Tua DAY-NRLM ahileh SHG tungtawn a hing luang lut ding ahiman a SHG bawl teitei ngai ahi. Singtangmite innsuan a mi khat tei SHG a telsah ding chi ahi. SHG ahileh cooperative vel a register ngai lou.
Level 2na: Khosung khat a SHG um teng apat lamkai/leader 1/2 kilakhawm dingin, a kivaihawmna ding uh Village Level Federation chia pawl khat bawl hi ding hi. Etsahna dingin khosung khat a SHG 5 bang a umta leh, SHG 5 apat lamkai 2 ki lakhawm ding, tuana mi 10 te khu Executive Committee Member kichi in VLF lamkaite hiding uhi. EC Member mi 10 apat mi 5 kiteldoh kia dinga, amaute khu Office beader kichi ding hi. General Body member ahileh VLF nuai a ki khaikhawm SHG member teng hi ding hi. Khosung a SHG toh kisai eitkai dingte, siemphat ding te, bawl dingteng VLF mawpuohna hi ding hi. VLF in a sep leh bawl dingte detail in a ban lam ah i gen kia ding. VLF zong cooperative a register ngai nailou.
Level 3na: VLF 15-20 vel ki khaikhawmna dinga Cluster Level Federation kibawl bawl hikia ding hi. Khuo khat a VLF 1 um ahileh, kho 15-20 apat VLF teng kikhai khawmna ding china ahi. VLF 15-20 apat President teng kipawlna CLF hi dinga, tuana member teng khu Managing Committee member kichi ding hi. Managing Committee member teng apat Office Beader ding mi 5 teldoh hikia ding hi. CLF ahileh Cooperative Society a register ngaita ding hi. CLF tan bawl ahichia CLF khat a member a tawm tawp a mi 1000 - 5000 kikal hing pha ta ding hi. CLF mawpuahna leh a nasep dingte aban lam ah i gen ding, MSRLM in tu tadi in CLF tan bawl ding chi ahi. Hinanleh aban zong bawl theina ding hun a um leh bawl tou peh hinalai ding hi.
Level 4na apat a tung lam: MSRLM tup ahileh CLF tan bawl ding chi hinanleh maban a CLF lamkaite kithutuo a poimaw asah uleh Block Level Federation ban ah District Level Federation tan zong bawl thei tham ahi. Hinanleh tami DLF tan hing tunna dinga kum 20 vel hing ngai kha meithei ahi.
B. Capacity Building:
Capacity Building ahileh SHG memberte theina leh muhna hoisemna um theina dinga training tuomtuom piah ding china ahi. MSRLM nuai a training ahileh kitatlou kei a um chilei kigenkhial lou ding hi.
a. SHG level ah Books of Account training, Membership training, Leadership training, Micro Credit Plan training, Financial Management training, Financial Literacy training, Livelihood training, RF/CIF grading, Audit/Assessment training, etc. chite um ding hi.
b. VLF leh CLF level zong SHG level a kibawl teng ban ah, a level a sang dungjui a apoimaw bang bang training piah hiding hi. Etsahna di'n - VPRP, Convergence and Partnership, subcommittee, vission and mission leh a dang dang.
2. Social Inclusion and Social Development (SI & SD)
Khatna ah - Social Inclusion ahileh DAY-NRLM nuai a inchin a mi khat tei tel ding chi ahi. Innsuan a mi khat ban ah tehsia kum 60 tunglamte, pienken a mi phaloute, society in a theet natna hoilou vei a ki ngaisete tanpha huom sah ding chi ahi. Tamna i gente panpina dinga Vulnerability Reduction Fund chi zong um ahi. Tami VRF mutheina dinga Vulnerability Assessment / Survey bawl teitei ngai ding hi.
Nina ah - Social Development kichi ahileh mi khat hinkhuo siemphatna ding leh khotang a phatuom ding nasep umte genna ahi. Mi hing khat ne-le-dawn lam, damtheina lam, siengthouna lam toh kisai etkaina dingin DAY-NRLM nuai ah FNHW (Food, Nutrition health and WASH) zong nasatah a bawl ahi.
Thumna ah - Gender kichi, numei hina dawlna dinmun dopkangna ding leh panlah didan chite kihilna zong um hi. Gender vaiguon nuai ah tate laisimna (children education), kum chinglou a pasal nei (early marriage), numeite min a nei-le-lam khol didan (asset creation) leh numeite tunga tatsietna (violence against women) chite toh kisai vaiguon chi tuomtuom zong bawl hi ding hi.
Lina ah - Convergence and Partnetship - I district sunga um hausa vaihawmna, civil society tuomtuom, govt nuai a line department tuomtuom leh NGO um tengteng toh kizopmatna hoitah bawl ding, tualeh amau uapat hamphatna leh nasep ding umte SHG member te ding a kailut ding chi ahi.
3. Financial Inclusion (FI)
DAY-NRLM tungtawn a mizawng-le-gentheite bank toh kizop matsah ding, amaute khu bank adia summeet bawlna kithuopi hoipente suo sah ding chi khu MSRLM tupte lah a khat ahi. Financial Inclusion nuai ah nasep ding chi tuomtuom in khen thei hi. Tuate ahileh:
a. SHG-Bank Credit Linkage - A tung a i gensa mabang in MSRLM tup-le-ngiimte lah a khat ahileh mizawng-le-gentheite bank toh kizop matsah ding, amaute khu bank adia summeet bawlna kithuopi hoipente suo sah ding. Mizawng leh gentheite bank toh akizopmat theina ding ua Self Help Group bawl pia a, SHG tungtawn a Bank toh kizop sah ding chi ahi. Tua ziah a, SHG a ki form zawzaw chia Bank Account hon ngai. Leader 1, 2 leh 3 te khu signatory ahi ding uh ahi. SHG ten Bank account hon mei hilou ding in sum koi jel ding, lakhe jel ding, MSRLM in loan la ding in muonhuaita uh achi hun chieng ua Bank Loan lah didan lampi a ngaitua sah ding uh ahi.
SHG meimei in bank account hong ding a diai? Hilou, SHG member teng in zong a louthei lou a bank account a nei ding ahi. Tuami zong a SHG uh bank account kihonna mun mama a SHG member te'n zong bank account a hon uh ngai ding hi. A zieh ahileh, tulai a sum mama sanga bank khat apat bank khat a transfer chite kiha bawl zawta ahiban ah, nang ma mimal in loan nang poimaw chiang a Bank te'n na account ah sum a kikoi ei, aki lakhia ei chi hing en teitei ding uh ahi.
SHG member te panpitu di'a Bank chin a Bank Sakhi koi hinalai hi.
A tangpi in eilah ah Loan lading mi kimu jou ngeilou hi, bang ziah in i chi leh a zahna ding ki thei lou, bang ziah a azahna ding kithei lou? A plan bawl didan kithei lou, bang ziah a a plan bawl didan kithei lou? A lampi hing kawmu tu ding um lou. MSRLM umta ahiman in maban ah apoimaw bang teng hing kihil tou ding hi.
b. Interest Subvention - RBI thupia dungjui a MSRLM nuai a SHG te'n Rs lakh 3 tan loan ala chiang ua kum khat a a pung (interest) khu 7 % ahi ding chi ahi. Rs lakh 3 apat lakh 5 kikal ahileh a interest khu kum khat a 10%
c. Business Correspondence Agent - MSRLM in DAY-NRLM nuai ah Bank umlouna munte zong Banking System leh SHG member leh mi nautang te'n a poimaw hun ua a zah thei ding uh tupna toh Bank Correspondence Sakhi (BC-Sakhi) kichi kikoi hi. Bank umlouna mun tam tah um ahiman in tami pen nasa deu a panlah tou hing hi ding hi.
d. Financial Literacy - Bank toh kisai, bank account toh kisai, bank loan toh kisai a diin a deen a SHG member jousie theisah suo ding chi ahi. Tuaban ah India mi hina dawl a hamphatna tan thei ding Insurance leh Pension scheme umte zong SHG member teng thei siem sah ding, tuaban ah a baw thei ding tengteng bawl sah a pan sah ding chi ahi. Pradhan Mantri Jan Dhan Yojana (PMJDY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY), MUDRA leh a dang dang tampi umte theisiem sah a telsah ding chi ahi.
4. Livelihoods Promotion (Farm & Non-Farm)
Ne-le-ta suina lam toh kisai ah Farm leh Non-Farm in kikhen hi. DAY-NRLM scheme tungtawn a MSRLM in a bawl ahileh "Demand Driven" chi ahi. SHG member leh a innsung mite'n ana bawl ngeisa uh ne-le-ta suina tuomtuom te a hoisem a a bawl theina ding uh lampi siem sah ding. Tualeh sil dang a pat u ua ahilezong tuami toh kisai training pia ding chi ahi jel hi. SHG member leh a innsung mite'n mun khat meimei hilou, mun 3/4 vel a ne-le-ta suina leh sum huailutna a nei ding uh chi tup ahi. SHG member chin ah ne-le-ta suina ding a ana bawl zing ban ah maban a abawl ut chite kaikhawm hi ding a, tuate training pia hi ding hi. Training piazaw ahi chieng in a kipatsahna ding uh a SHG tungtawn ua Bank toh kizopmatna bawl sah ding in, Micro-Credit Plan or Macro-Credit Plan chite kitup tah a bawl sah hi ding hi.
a. Farm Livelihood - MAHILA KISAN SASHAKTIKARAN PARIYOJANA (MKSP) - SHG member leh a innkuonte ne-le-ta suina hoisah semna dingin DAY-NRLM nuai ah MKSP kichi 2010-11 apat in ana kipan hi. MKSP nuai ah SHG member te Producers' Group chia lunglutna kibang teng gawmkhawm hi ding uhi. Amaute kithupi leh enkaitu leh lamhil dingin State sunga siemna leh chitna neite zah hiding hi. Training chi tuomtuom, lou bawlna poimaw thu-le-la te kikup na, technology, credit leh marketing tanpha training pia ahiban uah, lampi kawhmu toupeh in um ding uhi. SHG, VLF leh CLF chia a dandan a bawl ahibang in Producers' Group zong kho level, cluster level, block level ah bawl hitou peh ding hi.
Livelihood toh kisai Community Resource Persons (CRPs) kichi Krishi Sakhis, Pashu Sakhis leh Van Sakhis chite tungtawn in SHG memberte nasep etkai hi ding hi.
b. Non-Farm Livelihood - Business lam toh kisai in zong bawl ding tamlou um hi.
State Up Village Entrepreneurship Program (SVEP) kichi, DAY-NRLM nuai a sub-scheme ahi. Tami SVEP tungtawn in SHG memberte sum-le-pai suina toh kisai knowledge, advisory leh finance lam etkai hi ding hi. Dawr bawlsa, a bawl sawm chite lawi hoideu a etkai zaw ahi chiengin panpina tamlou lou toh kipatsah hi ding ua, tuate zong Community Cadre ten hoideu a amau tang a din thei masang teng uh a nuajui tou peh ding uh ahi nalai hi.
Aajeevika Grameen Express Yojana (AGEY) kichi zong DAY-NRLM nuai a sub-cheme khat ahi. Tam AGEY tungtawn in gari tunpha louna munte SHG te etkaina toh gari tunsah ding chi ahi deupen hi. Imphal East leh Tengnoupal ah Gari tampi SHG memberte kunga piah in ana umta hi. Block thate ah mu ahi na diei chipen genthei hi tadi lou phot hi.
5. MIS, Monitoring & Evaluation
MIS ahileh Management of Information System china ahi. SHG toh kisai, VLF toh kisai, CLF toh kisai a apoimaw bang kim internet a koi ahi. DAY-NRLM nuai a SHG umza leh na kisem za, sum kihawm khe za chite na et nuam leh www.nrlm.gov.in leh www.aajeevika.gov.in te hong lechin sil bangkim muthei in um ding hi. SHG, VLF leh CLF te'n kal teng a na bawlte uh LOKOS kichi https://prod.lokos.nrlm.gov.in/ ah a kim thei tawp a koilut a um gige ahi. Tami bawlte khu eBookkeeper kichi in MBK hi deu uhi.
Monitoring leh Evaluation ahileh MSRLM staff ten SHG, VLF leh CLF te ahithei tan in hing ki enkai a, na nua uh hing kizui gige hi. Tuaban ah bang to bang SHG, VLF leh SHG na hi uai chi'n hing ki enchieng zing hi. Tami khu Monitoring leh Evaluation kichi ahi. MSRLM Staff ten nou ahing eikai mabang ua, VLF leh CLF in zong SHG te hing enkai zing leh hing nuajui den ding uhi.
Tam toh kisai SHG te khu Grading a poimaw bang in hing kibawl zing ding a, kum khat dan in Audit hing kibawl jel ding hi. VLF ahileh Kum khat ah 2 vei audit kibawl ding a, grading ahileh a poimaw bang in kibawl jel ding hi. CLF ahileh ha 3 dan in audit kibawl jel ding a, kum tawp chiang in Chartered Accounant - solkal theipi auditor ten Audit hing bawl ding uhi.
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