1. Credit Requirement for Tribal
People
Meghna
Rajnikant
Shalini
Anu
Santosh01/30/15 1xidas, jabalpur

2. 01/30/15 xidas, jabalpur 2

3. Who are the tribes
01/30/15 3xidas, jabalpur

4. Who are the Tribes
Communities are notified as ST under Article
342 of the Constitution based on the following
Characteristics
- Primitive Traits
- Geographically Isolated
- Distinct Culture
- Economic backwardness
- Shyness of Contact with Community at Large
01/30/15 4xidas, jabalpur

5. Status of Indian tribal's
Tribal people constitute roughly 8% of the
nation’s total population, over 84 million
people according to the 2001 census.
Population and growth rate of STs (1971-2001) (in million)
Sources : census of India
Census year Population Growth rate
STs
Total STs
1971 548.1 38.0 26.3
1981 683.4 51.6 35.8
1991 846.3 67.8 31.4
2001 1027.0 88.8 31.0
01/30/15 5xidas, jabalpur

6. State wise population of tribal
01/30/15 6xidas, jabalpur

7. Tribal literate population
sources: Ministry of tribal
Year 1961 1971 1981 1991 2001
Total literate
population
8.5% 11.3% 16.3% 29.65% 47.10%
01/30/15 7xidas, jabalpur

8. Tribal Populations remain Under-
served
Many tribal habitats are inaccessible. Consequently, effects of
development are either lacking or are sub-standard. Abject poverty
of the tribal people is resultant and compounds the problem.
According to the development indicators prepared by the Planning
Commission, about 35% of STs are below the poverty line.
Item
Distribution in %
Amongst the STs
Cultivators 54.50
Agricultural Labourers 32.69
Household Industry 1.04
Other Workers 11.76
01/30/15 8xidas, jabalpur

9. Economic status
The large number of STs are landless with no
productive assets and with no access to
sustainable employment and minimum wages.
Population living below property line
sources : tribal in India Nishi k Dixit2006 pg: 55
table:7
Category 1993-94
Rural
1993-94
Urban
1999-2000
Rural
1999-2000
Urban
Total 37.27 32.38 27.09 23.62
STs 51.94 41.14 45.86 34.75
01/30/15 9xidas, jabalpur

10. Cause of backwardness
• Barter and exchange
• Lack of Co-operation
• Poor manufacturing
• Specialization
• Nation of property
01/30/15 xidas, jabalpur 10

11. Feature of tribal economy
• Forest based economy
• Simple technology
• Absence of profit in economic dealing
• Periodical markets
• Gifts and ceremonial exchange
• Absence of capital investment
01/30/15 11xidas, jabalpur

12. Loan requirement of tribals
• lean period consumption and festival
celebration
• Religious ceremonies
• Unforeseen expenditure etc
01/30/15 12xidas, jabalpur

13. Why credit for tribal's ?
• Absence of tribal land right
Agriculture census 1990-91
• Lack of proper livelihood means.
Sl.
No.
State Case filed in
court
Area covered
1. A.P 65,875 2,87,776
2 BIHAR 86,291 1,04,893
3 GUJARAT 47,926 1,40,324
4 KARNATAKA 42,582 1,30,373
5 M.P 53,806 1,58,398
01/30/15 13xidas, jabalpur

14. Cont..
• Land holding pattern
• Exploitation and land alienation caused by
traders
• Land alienation through cash crop cultivation
• Migration trends among tribal's
01/30/15 14xidas, jabalpur

15. Land alienation caused by industrialization
Displacement of tribal families
Sources :THRTI, Bhubaneswar
District Name of the project Forest area
covered
No. of tribal
families
displacement
Koraput NALCO and other industrial
project
Machkund hydel Dam
Balimela project
Upper Kolab Multipurpouse
project
2000
-
-
-
-
-
1500
2000
7092
5000
Koraput/kalah
andi
Upper indrabati project - 5000
Sungargarh Rourkela steel plant 13,185 -
Keonjhar Salendi Dam - 965
All Orissa Sanctuaries(16) park(12) 7395 -
01/30/15 15xidas, jabalpur

16. Money leader defects
• They charge sky high rate of interest varying
between 40%-60%.
• They buy tribal produce at low price
• They manipulate the A/c to their own benefit
• When tribal fail to repay the loan they grab
their land leading to sub-division and
fragmentation .
01/30/15 xidas, jabalpur 16

17. Mode of credit
• Non Formal
– Relative, friends, money lender, etc
• Institutional
– Nabard,
– SETBI,:- SHG, JLG
- LAMPS
- Cooperative society
01/30/15 17xidas, jabalpur

18. “ The Indian adivasi is born
in debt lives in debts, dies
in debts and bequeaths
debts.”
-Royal commission on agriculture
01/30/15 xidas, jabalpur 18

19. Conceptualized By
Rajnikant George
Rajnikant George ( Sukhram Manjhi)
Meghna ( Tutu Manjhi)
Santosh kumar ( Tuka raja Babu)
Narrators
Shalini
Anu kumari

20. 01/30/15 xidas, jabalpur 20

21. Bibliography
• The silenced drums: a review of tribal
economic development, Dr. K.G
Karmakar,2002,northen book centre, new
Delhi.
• Rural credit and self help groups: micro
finance needs and concepts in India, K.G
Karmakar, 1999, saga publications, new Delhi
01/30/15 21xidas, jabalpur