G.R. Chintala, NABARD, Bangladesh, Partnerships that Build Bridges to New Frontiers

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Microcredit Summit Campaign

Partnerships that Build Bridges to New Frontiers, 18th Microcredit Summit, Abu Dhabi UAE, March 14-17, 2016

Presentations & Public Speaking

3/28/2016 1
#18MCSummit
National Bank for Agriculture and Rural Development (NABARD),
India
SHG-Bank Linkage Programme in
India
Partnerships that build bridges to new
frontiers
1

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#18MCSummit
India : in a Growth Trajectory

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#18MCSummit
Beginning of SHG-BLP
 July 1991, a Pilot Project by NABARD for
financing 500 SHGs by banks;
 NABARD issued operational guidelines in
1992;
 In January 1993, RBI enabled banks to open
account in the name of SHGs;
 Convergence with National and State Govt.
programmes.

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What is a Self Help Group (SHG) ?
 Focus on thrift
 Internal loaning & saving with bank
 Collective Decision making
 Credit linkage with Banks
 Panchsutras –
• Regular meetings,
• Regular savings,
• Regular inter loaning,
• Timely repayment
• Up-to-date books of account

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#18MCSummit
Outreach Today (as on 31 Mar. 2015)
7.7 million SHGs,
100 million
members,
savings of INR
110 billion
4.5 million SHGs
with outstanding
loan of INR 515
billion

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NABARD’s interventions

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#18MCSummit
Innovative Initiatives by NABARD
Grain bank
Computer Munshi
Post Office as SHPI and Financial Intermediary
Joint Liability Groups (JLGs)
LEDPs
Digitization of SHGs

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Partnership to new Frontiers
MFIs
NABFINS
 NABKISAN
Bank Sakhis
SGSY / NRLM
SFBs / Payment Banks

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#18MCSummit
Impact of the Programme
 Extensive coverage of financially excluded poor
 Empowered the disempowered – Specially women
 Economic impact –
o Increase in net household income
o Changes in – expenditure pattern, saving habits
o Improvement in – asset holdings, financial status,
health, hygiene and education
 Social empowerment – Increased social role, social
harmony, collective action against social injustice

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#18MCSummit
SHG BLP - Approach for the future
 All eligible RHHs to be covered
Coverage of 100 per cent SHGs with institutional credit linkage
Promotion of Livelihood opportunities for each SHG
Financial literacy to avoid over-dependence on SHPIs, TEs, SHG
Federations, etc.
 Convergence with Govt. sponsored Programmes, NRLM
 ICT based interventions for improving accounting / quality of services to
SHGs

PMMY is a scheme launched by the Union Government on April 8, 2015 for providing loans upto Rs. 10 lakh to the non-corporate, non-farm small/micro enterprises. These loans are classified as MUDRA loans under PMMY. PMMY was announced through Union Budget 2015- 16 (FY16) which proposed to create MUDRA bank with a corpus of Rs. 20,000 crore made available from the shortfalls of priority sector lending, to refinance Micro- Finance Institutions through Pradhan Mantri Mudra Yojana. Further, budget supported a credit guarantee corpus of Rs.3,000 crore for guaranteeing loans being provided to the micro enterprises.

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Agriculture finance and agricultural insurance are strategically important for eradicating extreme poverty and boosting share prosperity. Globally, there are an estimated 500 million small holder farming households representing 2.5 billion people- relying to varying degrees, on agricultural production for the livelihoods. The benefit of our work includes the following: growing don’t come off farmers and agricultural SMEs through commercialization and access to better technologies, increasing resilience through climate smart productions, risk diversification and access to financial tools and smoothing the transition of non-commercial farmers out of agriculture and facilitating the consolidation of farms, assets and production

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This course will prepare microfinance practitioners to understand and provide financial and non-financial services to rural and urban youth. The course will introduce participants to best practices for serving youth, help them to understand the differences between rural and urban youth financial service provision, and detail specific products and service delivery models. To ground the information in concrete examples, the training will also involve a live case study component, where participants will be able to engage with representatives of financial institutions in the MENA region that are currently offering financial services to youth.

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Financial Literacy is one of the biggest components of financial inclusion. It comprises of three elements- financial knowledge, financial attitudes and financial behavior. As per a recent Standard & Poor's survey, only 24% of Indian adults are financially literate, the lowest score among the Brics (Brazil, Russia, India, China, and South Africa) nations. The need for financial literacy and its importance for financial inclusion has been acknowledged by all possible stakeholders - policymakers, bankers, practitioners, researchers and academics across the globe. The government and the RBI have been working incessantly towards this end, and while some progress has been made, there is more to be done.

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In February and March 2017, professionals from a global set of companies and organisations joined the 50th GLP, applying their business experience and problem-solving skills to propose a new business model to expand access to inclusive housing loans in rural India. In partnership with Swarna Pragati Housing Microfinance (SPHM), a pioneer in the use of social collateral in housing loans, GLP participants produced a business plan to support SPHM’s vision of reaching one million loans over the next 10 years. Through field-research, stakeholder interviews and site visits, participants gained deeper insights into India; the challenges faced by low-income households to access housing solutions and the formal financial sector; and the opportunities for SPHM to tap into India’s significant rural housing market estimated to reach US$80 billion by 2022. In Asia, housing remains one of the most pressing issues, where more than 500 million still live in slums. Demographic shifts, combined with poor or non-existent land ownership policies and insufficient resources has resulted in a surge of slum creation and further deterioration of living conditions. Given the scale, the need for adequate and affordable housing presents significant business opportunities for the private sector, especially for developers, investors and financial institutions. Despite the challenges in cities, poverty remains primarily a rural problem, where the housing shortage is still grossly overlooked. Amongst India’s total housing shortage of 113 million housing units, approx. 65 million homes are required in rural areas, mostly amongst Economically Weaker Sections (EWS) and Low Income Groups (LIG). The main issues preventing low-income rural households from accessing conventional housing in India include a lack of official land titles; a lack of credit history and income documentation; unsuitable length and size of traditional mortgages; and the high costs of collection, administration and delivery of direct loans. Swarna Pragati Housing Microfinance (SPHM) is a microfinance institution established in Maharashtra, now headquartered in Chennai. It was set up in 2011 by Ramesh Kumar, former Chief General Manager at the State Bank of India (SBI) and Charmain of NABARD’s National Committee on Rural Habitat. SPHM is a pioneer in the provision of incremental housing finance to rural lowincome families to support their aspirations of building a new home, or repairing their existing house. SPHM targets rural customers who cannot access conventional financial products and services for home improvements.

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This course will inform, engage, and prepare participants who are considering the feasibility and benefits of adding health to microfinance. The training will provide experience-based examples, lessons learned, cost information, and discussion about addressing the link between poverty and ill health without taking MFIs off-track or incurring undue expenses. This PPT: how Equitas does integrated health and microfinance

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