A project report on…                   “Banking correspondent project”                   Submitted to:- The Centurion Univ...
CERTIFICATE FROM ORGANISATIONThis is to certify that Dinesh Padhi of Centurion University of Technology andManagement havi...
CERTIFICATE BY THE COLLEGEThis is to be project report entitled “B.C Project” being submitted by DineshPadhi in partial fu...
DECLARATIONI Dinesh Padhi, a trainee at BREDS and student of Centurion University, dohere by declare that this report enti...
ACKNOWLEDGEMENTThere is always a sense of gratitude which one express to other for the helpfulso needy services they rende...
IntroductionGram Tarang owes its genesis to Bapuji Rural Enlightenment and DevelopmentSociety (BREDS) a social development...
   Natural Resource Management in Srikakulam District of A.P     Sustainable Livelihoods and Food Security in Srikakulam...
have been deployed after a due diligence process undertaken by the       respective Branch Managers.Coverage of Villages h...
Number of beneficiaries enrolled             14.65 Lakhs   B. Smartcard-based transactions for SHG beneficiaries: :       ...
control their environment   To educate the rural poor, emphasizing the value of education with a    special emphasis on t...
   To provide relief and rehabilitation packages to rural communities       affected by natural disasters and calamities....
etc to setting up hierarchical regional areas (states, regions,                districts, taluks, villages, etc.). This ma...
• Each gram pancyat 1 community service provided (csp) .   • The CSP role is payment to the NERGA and SSP beneficiary.   •...
There are four members in the office    District coordinator officer.    Mis officer    Inventory officer.    Accounta...
NERGAWORKS AT KOTTURU VILLAGE   In the kotture village the labor are do the NERGA work like make a     pond.   In this v...
 Each beneficiary of NERGA and SSP have a smart card that card will be        help to the person identity.   The smart c...
PAY SLIP From      SMART     No of   Per days   Extra    Remaini   Group  Lait date TO   card no   days    Rs         char...
•     NERGA beneficiary are getting the money after 2 weeks of the field     work.• The CSP have payment to the beneficiar...
 After that the any out of 6 figure any one figure print match then     authentications if don‟t match of figure then no ...
PROCESS OF BC PROJECT                       GOVERNMENT                       ANDHRABANK                    ATYATI TECNOLOG...
 WIDOW    IRRIGATION                                                                WORK    FOR PLANTINGPAYMENT OF NERGA ...
 Work.PAYMENT OF NERGA AND SSP                (This photo is taken from Mandasa mandala)   The CSP will distribute the ...
 Work.  PAYMENT OF NERGA AND SSP                 (This photo is taken from Mandasa mandala)   The CSP will distribute t...
Laptop   All the CSP having a laptop.   All the required software is been installed in the laptop.   All the operation...
 After that the any out of 6 fingure any one fingure print match then    authentications if don‟t match of fingure then n...
SRIKAKULAM DISTRICT MAPGENDER AND LIVELIHOODMen and women have different roles, responsibilities and resources hence their...
Some of the livelihood activities by NGOs are forming SHGs, small scale firmsand training programs.CLASSIFICATION OF LIVEL...
 Pensions2. Social assets:       Networks and connections       Relations of trust and mutual support       Leadership...
Grain Bank SchemeBREDS is working with huge number of schedule tribe families. Majority ofthese families don‟t ensure food...
extended to superior performing groups, with the nature of enhancement of their   savings.   Community Based Revolving Fun...
Kidimi      Kidimi     Tank     17500    15    60    56    4    Comple                        Repair     0.00             ...
Ganguwada    Kannayyape    Canal   75000.   15   31   31       Comple                 ta        Work      00              ...
Comple                                                                                ted         Total                   ...
Smart card reader was not working properly  Finger print scanners were not working properly Some grampanchayts did not hav...
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Dinesh padhi project

  1. 1. A project report on… “Banking correspondent project” Submitted to:- The Centurion University of Technology and Management in partialfulfillment of the requirements for the Summer Internship Project (SIP) By Name:- Dinesh Padhi Regd. No: - 110202MBR010 Batch:- 2011-13 Under the Guidance of Mr. Ram Prasad das DISTRICTproject manager MANAGER District PROJECT DATE: 25.06.2012 Centturiion Uniiversiitty of Technollogy and Managementt Cen ur on Un vers y of Techno ogy and Managemen Paralakhemundi
  2. 2. CERTIFICATE FROM ORGANISATIONThis is to certify that Dinesh Padhi of Centurion University of Technology andManagement having Regd. No. 110202MBR010 has successfully completedthe project on “Banking Correspondent Project” in BREDS, Srikakulam , fromApril 12, 2012 to June 21, 2012 .Mr. Ram Prasad DashDistrict Project ManagerB.C Project, BREDS,Srikakulam.
  3. 3. CERTIFICATE BY THE COLLEGEThis is to be project report entitled “B.C Project” being submitted by DineshPadhi in partial fulfillment of the two year in Master in Business Administrationby the Guidance of Mr. Ram Prasad Dash District Project Manager, B.CProject, BREDS, Srikakulam.Prof. Anita PatroSchool Of Management,Centurion UniversityParalakhemundi
  4. 4. DECLARATIONI Dinesh Padhi, a trainee at BREDS and student of Centurion University, dohere by declare that this report entitled as “Observation and Functions of B.CProject at Srikakulam District” is the result of the observation carried out by me.This is the original work done by me and do not copied from any material fromany known or unknown person as well as from internet.Dinesh PadhiMBA, First yearReg.No.110202MBR010School Of ManagementCenturion University
  5. 5. ACKNOWLEDGEMENTThere is always a sense of gratitude which one express to other for the helpfulso needy services they render during all phases of life. I would like to expressmy gratitude towards all those who have been helpful to me in getting thismighty task of training to a successful end.First of all I want to thank Dr. Anita Patra, PGP Coordinator of School ofManagement, Centurion University, Paralakhemundi. I also want to thank Prof.Subhendu Mishra who considered me as a candidate for BREDS and have afaith on me. I also thankful to Mr. Ram Prasad Dash for his kind cooperation,guidance patience, endurance, encouragement & thoughtful advice for theproject work.I would take this opportunity to thank Mr. Venket Sibananda ManagingDirector, Gram Tarang Financial Services & Gram Tarang InclusiveDevelopment Services to give me a chance to tender my service to BREDS Ialso thankful to all the staff of BREDS, all other Mandal Co-coordinators.Dinesh PadhiMBA First YearReg.No.110202MBR010School Of ManagementCenturion University
  6. 6. IntroductionGram Tarang owes its genesis to Bapuji Rural Enlightenment and DevelopmentSociety (BREDS) a social developmental organization formed in 1983 to servethe most marginalized, vulnerable rural communities and focus on their socio-economic betterment through empowerment and sustainable livelihoodpromotion. BREDS ventured into financial inclusion space in July 2009 incollaboration with ATYATI Technologies and disbursed more than 200 Croresgovernment money earmarked for NREGS and Social Security Pensions tilldate in over 800 villages of Srikakulam district through its BusinessCorrespondent Agents. BREDS also ventured into the states of Uttar Pradesh,Bihar, West Bengal, Assam, Tripura, Odisha in 2010 and hived off the entirebusiness to a Gram Tarang Inclusive Development Services due to regulatoryissues.Inspired by the Gandhian philosophy of Gram Swaraj, or „self-rule‟, a group ofresidents of Dimili village (Kotturu Mandal, Srikakulam District) and other areasocial activists founded the BREDS. Initially, BREDS opened night schoolsspecializing in adult education. These volunteer-supported classes targetedAdivasis (tribal people) and members of „Other Backwards Castes‟ (OBCs) inDimili and nearby villages. The organization continued to evolve over the nexttwo decades and work with other target populations, but BREDS hasexperienced its greatest growth from 2001 until today. Through a combinationof teamwork, commitment, strong leadership, government support, and donorparticipation, BREDS is now recognized as one of the best NGOs in our districtof Srikakulam. Most importantly, it achieved these goals by gaining the trust ofthe communities in which it is rendering services. The details of ourinterventions are as follows:
  7. 7.  Natural Resource Management in Srikakulam District of A.P  Sustainable Livelihoods and Food Security in Srikakulam District of A.P  Gender issues & Womens Empowerment through Microfinance in Srikakulam District of A.P  Community Health and Education in Srikakulam District of A.P  Peoples Self Governance in Srikakulam District of A.P  Institution Building and Community Based Organisations (CBOs) which are active in agri processing and marketing space.Financial Inclusion  Government of India and Reserve Bank of India have directed all Banks to implement the Financial Inclusion Plans (FIP) to provide banking service outlets in all villages with population above 2,000 by March, 2012. Our Bank has submitted a road map to implement the FIP using information and communication and technology mode with Business Correspondents net work i.e. branch less banking outlets. Bank has empanelled M/s Bartronics India Ltd as service provider to give an „end to end‟ solution for the FIP. Our bank is allotted with 1,149 villages with population above 2,000 for providing such outlets. Of which, 1,054 are located in Andhra Pradesh State. The Financial Inclusion Plan (FIP) covering all the villages has been submitted to Reserve Bank of India.  M/s Bartronics India Ltd., the Institutional Business Correspondent (BC) appointed by Bank for the FIP implementation has deployed individual B.Cs/ Customer Service Providers (CSPs) in each village for conducting the banking transactions through Point of Sale (PoS) devices. The CSPs
  8. 8. have been deployed after a due diligence process undertaken by the respective Branch Managers.Coverage of Villages having population above 2000:Total Villages allotted to 1149BankOut of the above  Andhra Pradesh 1054  Outside AP State 95No. of beneficiaries to be 6 lacescoveredFinancial Inclusion initiatives: A. Electronic Benefit Transfer of Government Schemes – MGNREGS (Mahatma Gandhi National Rural Employment Guarantee Scheme & SSP ( Social Security Pensions) : Electronic Benefit Transfer (in 4 districts of A.P. Of which, Guntur & Srikakulam districts under „One District – One Bank‟ model; East Godavari district under service area approach and Warangal district (in one pilot mandal covering 25 villages) Number of villages covered 2665 Number of BCs/CSPs deployed: 2665
  9. 9. Number of beneficiaries enrolled 14.65 Lakhs B. Smartcard-based transactions for SHG beneficiaries: : The scheme is functioning on a pilot project basis at four branches. All the Self Help Groups of Rayavaram, Anaparthi, Kadiam & Bibinagar are undertaking banking transactions through B.C operated PoS devices at their villages. By this method, the SHG women are saving their time and money, since the normal banking transactions in their SHG accounts are done at their doorstep.VisionTo realize the Gandhian dream of gram swaraj by building a network ofautonomous village communities which are self-sufficient and self-reliant?MissionTo capacitate the communities to become better informed and enlightened oftheir rights and choices in order to control the environment, resources, andlevels of power by strengthening the institutional base necessary for socialtransformation and human capital enrichment.GoalTo facilitate the process of empowerment of tribal, Dalit‟s and all othermarginalized groups by reducing vulnerabilities, by increasing capacities, andby liberating them from oppression and exploitation.Objectives  To capacitate the target community, focusing on role-transformation at all levels, with a special focus on skill development that enables people to
  10. 10. control their environment To educate the rural poor, emphasizing the value of education with a special emphasis on the promotion of women and the girl child. BREDS promotes value-based and vocational education to further strengthen the life-support system of the community. To facilitate access to health service mechanisms for the rural poor and urban slum inhabitants by promoting health for all, particularly focusing on women‟s and children‟s care in the area of reproductive health. To emphasize the need for the socio-economic empowerment of the target communities, by pursuing the best possible avenues in all means and ends. To protect and restore local ecosystems and the environment, taking special steps for the protection of natural resources. BREDS promotes effective management and treatment of land, water, and forest for the sustainable livelihood promotion of the target community. To form and promote Self Help Groups (SHGs), Village Organizations (VOs), and Mutually Aided Cooperative Societies (MACS), which work towards their economic empowerment and a reconstruction of the rural economy through a revival of the cooperative movement. To promote sustainable agriculture and value addition through horticulture products and crops. This ensures sustainable food security, enhances income potential, and generates employment opportunities within the target community, thereby stemming the tide of migration. To promote and restore the traditional culture of the target community, sustaining unity and integrity in the village atmosphere.
  11. 11.  To provide relief and rehabilitation packages to rural communities affected by natural disasters and calamities.  To facilitate all the government‟s developmental priorities to reconstruct a better rural India that can realize the concept of gram swaraj.GANASEVAAtyati‟s GANASEVA solution is a comprehensive technology platformdeveloped to improve the delivery of public and private services to untouchedrural populations living in unreachable geographies.GANASEVA provides a comprehensive, fully automated delivery mechanismfor the flow of governmental, financial, health care and commercial services torural and semi-urban populations. The platform includes a commoninfrastructure for data collection and information management.The core features built into this platform are: o Collection of Customers‟ data using disconnected laptops/PDAs/mobile phones o Loan Origination and loan processing with workflow capabilities o Support for Lending products, Savings & Deposit, Rural products, Insurance products o Support for third party selling in urban mass markets o Multi-Lingual capabilities o Ability to work in low/no bandwidth o Audit trail tracking mechanisms o A full suite of security features The application consists of the following modules: o Master Data Maintenance The flexibility of the product comes with the depth of its master data. The master data ranges from maintenance of types of assets
  12. 12. etc to setting up hierarchical regional areas (states, regions, districts, taluks, villages, etc.). This master data provides parameters for rest of the modules. o Field Agent Module This module is used to initiate customer acquisition and initiate transactions. Capturing information related to new customers, new loans etc. can be done using this module. The Field Agent Module could use any Windows based laptop/PDA/mobile phone as the means for data collection. o Transaction Processing (Back-Office Workflow) This is primarily a product origination module and manages the complete application processing flow of various instruments. The system manages the entire process, its workflow through various stages and access controls. The system comes with a robust document management system where all the customer documents are stored. The system comes pre-configured with workflows for each transaction. These workflows can be customized as per the customer organization‟s requirements. o Life Cycle Transaction Processing GANASEVA has the ability to support servicing of a customer through the comprehensive Life Cycle Transaction Process. Based on application being supported, the GANASEVA platform would include the complete suite of activities required for ongoing servicing of the client.BC STRUCTURE:-In the Srikakulam district 38 mandal .BC project work the 35 mandal, and 3mandal is not work because of political issue so that should not be cover. BCproject 1110 grampanchayat in the srikakulum district . Each GP provide onecommunity service provide (CSP) .one Block has one mandala coordinate (MC)is there.
  13. 13. • Each gram pancyat 1 community service provided (csp) . • The CSP role is payment to the NERGA and SSP beneficiary. • Every block one mandal cordinator is there. • The slip are prepare mandal computer center. • Two type of slip are prepare one is pay slip another one is acutance proof. • Mandal computer centre (MCC) is providing acutance proof slip to the mandal coordinator then to the community service provide (cap). • Field assistance gives the pay slip to the beneficiary.Criteria of csp  Belongs to own panchayat.  SHG member (female).  Minimum qualification 10 Th pass.  Computer knowledge.Procedure of csp selection  At first mandalparisad development officer (MPDO) verifications best three members in gram panchayat.  Then they send the name to District Rural Development Agency (DRDA) office.  Then DRDA send the list of candidate to Andhra bank.  After that Andhra bank do the examination.  After exam Andhra bank send the list of employee to DRDA office.  Then DRDA office send selected list of employee to MPDO.Business correspondence office staffs (srikakulum district)
  14. 14. There are four members in the office  District coordinator officer.  Mis officer  Inventory officer.  Accountant officer.Enrollment process of nrega customer 1. customer identification 2. Name 3. Job card no 4. Age 5. Gender: (female and male) 6. One passport size photo. 7. Rasan card detail 8. Identity card
  15. 15. NERGAWORKS AT KOTTURU VILLAGE  In the kotture village the labor are do the NERGA work like make a pond.  In this village the csp name is pratap.  The labour are start the works at 9.am to 12.pm.  Each labour getting Rs90 per day.  In the field 150 labours are do the pond measurement.  One field assistance is there because he takes the attendance of the labor, and also report to the csp.  The technical assistance also checks the work.  In the pond work 15 groups are there.  Each group around 8 to 12 members are work. PAYMENT OF NERGA AND SSP
  16. 16.  Each beneficiary of NERGA and SSP have a smart card that card will be help to the person identity.  The smart card shows the details of person like name, age, s.no. Pay order no., issue on date etc. Accutance proof slip Date E-pay order no- FTO no- Name Job card Smart Habitati Group Account Work amount Work From To date Recipt signs.no no. card no. on name name no days code date code pay order no
  17. 17. PAY SLIP From SMART No of Per days Extra Remaini Group Lait date TO card no days Rs charge ng days member paymen date work t details• NERGA and SSP payment in the public place like school, college, gram pancyat etc.
  18. 18. • NERGA beneficiary are getting the money after 2 weeks of the field work.• The CSP have payment to the beneficiary.• SSP payment once a month.• NERGA payment 3 times per month made.• Payment are paid to the systematically.• Each member is 10 figure print save in the system.• If the smart card lost then Rs 50 issue the new smart card.  First smart card right to entry in the system.  Then smart card beneficiary details show in the system.
  19. 19.  After that the any out of 6 figure any one figure print match then authentications if don‟t match of figure then no authentication.  The beneficiary also shows the pay slip to the CSP.  Then the beneficiary sign to the acutance proof slip  The CSP payment to the beneficiary in the village. BENEFITS OF BC PROJECT  Timely payment.  No corruptions.  Payment in the village.  Customers could took the money directly by the smart card   Data entry could be by the online & offline by Ganaseva atyati Software‟s   NREG & SSP payments were came to Andhra bank   Hand to hand payment.PAYMENT PROBLEM  System Errors.  Figure print doesn‟t match.  Electricity problem.  Data don‟t have proper save.  Data upload problem.  Smartcard reader problem.
  20. 20. PROCESS OF BC PROJECT GOVERNMENT ANDHRABANK ATYATI TECNOLOGY BC & BREDS MANDALA CORDINATER COMMUNITY SERVICE PROVIDOR (CSP) NREGA WORKER &SSP PAINSION BC PROJECT & BREADS PROJECT SSP NREGA  OLD AGE PENSION ROAD  HANDICAFT PERSON POND
  21. 21.  WIDOW IRRIGATION WORK FOR PLANTINGPAYMENT OF NERGA AND SSP (This photo is taken from Mandasa mandala) The CSP will distribute the payment among the beneficiary. NREGA and SSP payment is distributing in the public place like school, panchaiyat office etc. SSP payment once a month. NERGA payment 3-4 times per month made The CSP will give the money to the authorize beneficiary by doing authentication process. Each member are 10 figure print save in the system
  22. 22.  Work.PAYMENT OF NERGA AND SSP (This photo is taken from Mandasa mandala)  The CSP will distribute the payment among the beneficiary.  NREGA and SSP payment is distributing in the public place like school, panchaiyat office etc.  SSP payment once a month.  NERGA payment 3-4 times per month made  Payment are paid to the systematically  The CSP will give the money to the authorize beneficiary by doing authentication process. Each member are 10 figure print save in the system  NERGA beneficiary are getting the money after 2 weeks of the field
  23. 23.  Work. PAYMENT OF NERGA AND SSP (This photo is taken from Mandasa mandala)  The CSP will distribute the payment among the beneficiary.  NREGA and SSP payment is distributing in the public place like school, panchaiyat office etc.  SSP payment once a month.  NERGA payment 3-4 times per month made  The CSP will give the money to the authorize beneficiary by doing authentication process. Each member are 10 figure print save in the system  NERGA beneficiary are getting the money after 2 weeks of the field  Work.
  24. 24. Laptop  All the CSP having a laptop.  All the required software is been installed in the laptop.  All the operation is been done through these laptops.Finger print Scanner (FPS)  It is the finger print scanner. It will connect to the system.
  25. 25.  After that the any out of 6 fingure any one fingure print match then authentications if don‟t match of fingure then no authentication .Smart Card Reader (SCR)  First smart card right to entry in the system.  Then smart card beneficiary details show in the system.
  26. 26. SRIKAKULAM DISTRICT MAPGENDER AND LIVELIHOODMen and women have different roles, responsibilities and resources hence theirlivelihoods are also different. Gender equity is multi-dimensional implyinglegal, political, social and economic equality. Economic equality between menand women means equal ability to support a standard of living. The factorsaffecting women‟s participation are lack of education and training anddiscriminatory attitude.
  27. 27. Some of the livelihood activities by NGOs are forming SHGs, small scale firmsand training programs.CLASSIFICATION OF LIVELIHOODThe classification of livelihood is basically made on three different sectors i.e.primary sector, secondary sector and tertiary sector.Primary sector is basically essential for farming, agriculture, and agricultureallied production, along with fisheries and other basic livelihoods sources.Secondary sector includes manufacturing firms like tobacco, wood, fuel,textiles, machinery, leather, etc.Farm based livelihoods are those where income/employment is derived fromprimary sector, particularly from the production of unprocessed crops, rearinglivestock, horticulture, forestry, fisheries and from natural resources.Livelihood OutcomesThe impact on the livelihood project leads to various environmental outcomes.They are as follows:  Better employment opportunities  Eradication of poverty  Better status of households  Health and hygiene  Community participation in the decision making process  Institution and capacity building  Gender equity  Optimum utilization of resources.CATEGORIES OF ASSETS 1. Financial assets:  Credit/debts  Wages/employability  Remittances
  28. 28.  Pensions2. Social assets:  Networks and connections  Relations of trust and mutual support  Leadership  Common rules and sanctions  Mechanism for participation in decision making3. Physical assets:  Infrastructural:- Transportation Communication Energy Water supply and sanitation  Tools and technology:- Equipments for production Traditional technology Seeds, fertilizers, pesticides4. Natural assets:  Land resources  Water and aquatic resources  Environmental services  Wild life  Biodiversity5. Human assets:  Knowledge and skill  Education  Health  Capacity to work and adapt  Nutrition
  29. 29. Grain Bank SchemeBREDS is working with huge number of schedule tribe families. Majority ofthese families don‟t ensure food security during lean period. To avoid thisproblem and make food secure for all the season with community participationand self help, BREDS designed a program relating to promotion and revival oftraditional grain banks. Initially it was decided that BREDS provide grant fromthe WHH project in the form of grains to the target subhadayam. This grant issubject to the maximum limit of grain worth rupees ten to fifteen thousand only(according to the village population).subsequently additional grant would be
  30. 30. extended to superior performing groups, with the nature of enhancement of their savings. Community Based Revolving Funds BREDS is working with the schedule caste and tribal families in the Srikakulam district of Andhra Pradesh. Basically these families have the capability to practice some activity but due to lack of capital they are remaining as such. The community based revolving fund is a channel of support by BREDS through its WHH/GAA project, to the target schedule caste and tribal families in the target area to promote and improve their livelihoods with financial assistance. This ultimately improves the quality of life of the target families by increasing their income generation power. Making Insurance of the Unit and giving tag number to the Units. Taking photos of the units in presence of BREDS (NGO) staff. Submission of documents to BREDS.the documents are like- Receipts of the beneficiaries,SHG resolutions, Subhodayam Resolutions, SHG pass book copy, repayment schedule from the beneficiaries, the purchase and vendor document, insurance copy and Tag number, photos of the units. NREGS WORKS STATUSName of the Name of Work Sancti Sancti No.of No.o Bala PresentPanchayat the Village Name oned oned Job f nce Work Amou No.of Cards Job Job Status nt Worki Sanct Car Car ng ioned d ds Days Issu edChinnagujju Chinnagujju Tank 25000 15 50 50 0 Comple wada wada Repair 0.00 te
  31. 31. Kidimi Kidimi Tank 17500 15 60 56 4 Comple Repair 0.00 teChinnagujju Munjivanipe Kamab 18000 10 21 21 0 Comple wada ta andha 0.00 te Tank Repair Annupuram Annupuram Hill 17000 10 30 30 0 Comple Works 0.00 teVenkatapura Venkatapura Land 10000 45 26 Continu m m repair 0.00 ousVenkatapura Sivarampura 15000 15 Continu m m 0.00 ous Aludu Vaddinavala 10000 11 Continu sa 0.00 ous Kelavalasa Konchadape Road 25000 10 Continu ta Repair 0.00 ous Kelavalasa Satram Road 12500 26 Continu Repair 0.00 ous Kelavalasa Padmapura Road 10000 11 Continu m Repair 0.00 ousJamachakara Jamachakar Land 10000 25 Continu m am repair 0.00 ous Baddumarri Kasipuram Pottiba 65000 230 78 78 Continu ndha 0.00 ous Tank Repair Gorribanda Konavanipet Tank 25000 50 200 200 0 Comple a– Repair 0.00 te Jagannadha puramChinnagujju Purusothuka Tank 20000 50 250 200 50 Continu wada rra Repair 0.00 ousVenkatapura S.S.R.Pura Tank 25000 50 150 150 0 Comple m m Repair 0.00 teKummarigun Chodasamu Tank 25000 50 250 250 0 Comple ta dram Repair 0.00 teSingupuram Sanysairaop Tank 13000 32 14 14 80 % eta Work 0.00 work doneGanguwada Mettupeta Trench 80000. 20 48 48 70% Work 00 Work done
  32. 32. Ganguwada Kannayyape Canal 75000. 15 31 31 Comple ta Work 00 teGanguwada Kondalapeta Tank 15000 35 19 19 Comple Work 0.00 teGanguwada Rajannapeta Tank 17500 45 14 14 30% Work 0.00 Work DoneGanguwada J.C.peta Tank 15000 50 20 20 20% Work 0. 00 Work DoneGanguwada Konchadape Tank 15000 30 45 45 85% ta Work 0.00 Work DoneBaddumarri T. Kotturu Tank 25000 0 36 36 0 Comple Work 0.00 teBaddumarri Konangi Land 42500 63 63 0 Comple Develo 00.00 te pmentBaddumarri Bheemunipe Land 21500 12 12 0 Comple ta Develo 0.00 te pmentBaddumarri Morullapeta Land 40000 12 12 0 Comple Develo 0.00 te pment Vandrai Vandrai Tank 25000 38 38 0 Comple Work 0.00 tePeddalamba Moogupura Tank 30000 9 9 0 Comple m Work 0.00 teBaddumarri Basagittangi Tank 32500 19 19 0 Comple Work 0.00 te Padali Jannodugud Tank 25000 25 25 70% a 0.00 Work Comple ted Padali Polamguda Tank 17500 18 18 Comple 0.00 ted Padali Pandramanu Tank 15000 27 27 60% guda 0.00 Work Comple ted Padali Baladaguda Tank 25000 24 24 60% 0.00 Work
  33. 33. Comple ted Total 11025 000.00 Through NREGS the community empowerment has been taken place as the activity requires labor force to work in different development works in rural areas. They are now leading a secured livelihood. This is a major source of income generation for the tribal and dalit society. Due to such government activities the migration of the beneficiaries has reduced to a great extent. Some beneficiaries don‟t migrate as before. They have a better living condition as before. IMPACT ON ANNUAL INCOMES.No Name of village Average annual Increase % age income(Rs) increase 2007 2010 1 Chinnagujjuwada 27960 51436 23476 84 2 Venketapuram 34000 58640 24640 72 3 Burujuwada 13015 53820 40805 313 4 B.Kotturu 11500 53680 42180 366 5 Jagayyapeta 28480 60000 31520 110 6 Munjuvanipeta 26876 52920 26044 96 7 Dwarkapuram 30870 57240 26370 85 8 Kasipuram 27500 56656 29156 106 9 Vaddinivalasa 31358 53800 22442 71 10 Gopalapuram 31652 57793 26141 82 Problems Data‟s were not saved properly in the laptop Systems have so much various that data‟s were not Saved
  34. 34. Smart card reader was not working properly Finger print scanners were not working properly Some grampanchayts did not have any csp‟sBenefits Customers could took the money directly by the smart cardData entry could be by the online & offline by Ganaseva atyati Software‟sNREG & SSP payments were came to Andhra bankWorking notes I have covered four mandalas in two months Payments were come though Andhra bank to me. the mandala coordinatorwent to bank withdraw money from the Bank and gave it to the CSPsCSPs were took the payment by putting their signature in the record.Me and mandala coordinator went to the field checkCSPs worked are not properlyAfter payments the data‟s were uploaded by the bulk size.We had a weekly meeting in our office at shrikakulam.After payment aqutency copy were collected and submitted the MPDO officeAfter submitted aqutency sign & collected MPDO send SRIKAKULAM

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