SWARNA JAYANTI SHAHRI ROZGAR

YOJANA
URBAN POVERTY ALLEVIATION PROGRAMME

BY- PRATIK YADAV

COURSE-BPLAN
TRANSITION PHASES IN THE COURSE OF
SCHEME

Restructure
d as
Deendayal
Scheme Antyodaya
was later Yojana –
revamped National
in the year Urban
Became 2009 with Livelihoods
Operational revised Mission
on 1st guidelines. since
December, September,
1997. 2013
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
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.
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
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.