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Abstract:
National Rural Livelihood Mission (NRLM) is based on the fact that the poor have a tremendous willingness and potential to help themselves and the organizations of the poor will enable themto unleash their energies and harness them for their social-economic development.The study was conducted at two intensive blocks i; e upazilaof Purulia district in West Bengal as on 1st March to 15th April, 2016. Two intensive blocks were Para block and Manbazar-ii block at Purulia district in West Bengal. In this study main objective to find out impact and potentials interventions of Community Investment Fund (CIF) in Self Help Group (SHG) level and their family life. CIF provided by World Bank through NRLM to SHGs. In this study observed the procedures for CIF disbursement and Micro Investment Plan (MIP) preparation. Here also discussed about some points of review and monitoring mechanism, book keeping and records at federation (Sangha) and SHG level. MIP was a process where members were encouraged to recognized, understand and evaluate their resources and analyzed challenges they faced. SHG members were identified their needs and make future plans to improve their standard of living by raising their income and to overcome vulnerabilities by making optimum utilization of resources and development convergences.In HSG level theyprovided microfinance services such as savings, credit, bank linkages, insurance, etc. They also offered collectivization and group activities. The SHGs made social inclusion for sustainable development. HSG members have done lot of works for social security andsocial action in various fronts including health, nutrition, food, gender, convergence etc.,directly or through their federations through CIF. The rural people haveintrinsic skills, experience and local perception to access the opportunities around them for enhancing their livelihoods and coming out of poverty. Micro credit plan helps in transformation of those skills and experiences in to income generating activities through accessing credit from CIF. Each member of SHG came with a family investment plan in individual showing their self capacity and how much help they have required.The plan addressed member,s investment needs for income generation, health, education, consumption, housing and other social needs, if they have. The plan was a process orientated document produced through a series of dialogues at household level, SHG and their federations level respectively. Then from HSG disbursed credit to members as per priority basis. Most importantly the MIP was a bottom up approach plan prepared the members themselves. CIF provided credit after completed all the procedure for MIP preparation of SHG as well as federation. CIF disbursed for credit to SHG by 7% interest and SHG disbursement to members by 12% interest. Members should repayment to SHG and SHG should repayment to federation with aforesaid interest within 1 year.
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