Swarna-Jayanti Sahari Rojgar Yojana (SJSRY)- Govt. Loans for Unemployed Youth:-
Objective of the Schemes:
The Swarna Jayanti Shahari Rozgar Yojana (SJSRY) was
launched on 01.12.1997 after subsuming the earlier three schemes for urban
poverty alleviation, namely Nehru Rozgar Yojana (NRY), Urban Basic Services for
the Poor (UBSP), and Prime Minister's Integrated Urban Poverty Eradication
Programme (PMIUPEP). The key objective of the Scheme was to provide gainful
employment to the urban unemployed or underemployed through the setting up of
self-employment ventures or provision of wage employment. it also provides
supporting skill development and training programmes to enable the urban poor
have access to employment opportunities opened up by the market or undertake
self-employment; and the target population under SJSRY is the urban poor -
those living below the poverty line, as defined by the Planning Commission from
time to time.
Components :
SJSRY will have five major components, namely
(i)
Urban Self Employment Programme (USEP)
(ii)
Urban Women Self-help Programme (UWSP)
(iii)
Skill Training for Employment Promotion amongst Urban
Poor (STEP-UP)
(iv)
Urban Wage Employment Programme (UWEP)
(v)
Urban Community Development Network (UCDN)
Urban Self Employment Programme (USEP) :
This Component will be having two sub-components:
(i)
Assistance to individual urban poor beneficiaries for
setting up gainful self-employment ventures [Loan & Subsidy]
(ii)
(ii) Technology/marketing/infrastructure/knowledge
& other support provided to the urban poor in setting up their enterprises
as well as marketing their products [Technology, Marketing & Other
Support].
Eligibility :
USEP will target the urban population below poverty line, as
defined by the Planning Commission from time to time. It will lay special focus
on women, persons belonging to Scheduled Castes (SC) / Scheduled Tribes (ST),
physically challanged persons and such other categories as may be indicated by
the Government from time to time. The percentage of women beneficiaries under
USEP shall not be less than 30%. SCs and STs must be benefited at least to the
extent of the proportion of their strength in the city / town population below
poverty line (BPL). A special provision of 3% reservation in the total number
of beneficiaries should be made for the physically challanged persons under
USEP. In view of the Prime Minister's New 15-Point Programme for the Welfare of
Minorities, 15% of the physical and financial targets under the Urban Self
Employment Programme at the national level shall be earmarked for the minority
communities.
No minimum or maximum educational qualification is prescribed for selection of
beneficiaries under USEP. Where the identified activity for microenterprise
development requires skill training of an appropriate level, the same will be
provided to the beneficiaries before extending financial support.
Beneficiary Identification :
A house-to-house survey for identification of genuine
beneficiaries, with focus on slums and low-income settlements, will need to be
conducted. Model Formats for conduct of slum survey, household survey and
livelihoods survey and guidelines will be communicated by the Ministry of
Housing & Urban Poverty Alleviation. In addition to the economic criteria
of the Urban Poverty Line, noneconomic parameters will also be applied to
identify the urban poor for receiving benefits under SJSRY.
Loan Amount :
The details of financing pattern under USEP are as follows :
• Maximum allowable unit project cost - Rs.200,000/-
• Maximum allowable subsidy - 25% of the Project Cost
subject to a maximum of Rs.50,000/-
• Beneficiary contribution - 5% of the project cost as
margin money
• Collateral - No Collateral required
In case a number of beneficiaries decide to jointly set up a
project, such project shall be eligible for a subsidy which will be equal to
the total permitted subsidy per person as per the above criteria. In this case
too the provision of 5% margin money per beneficiary will apply.
Skill development through appropriate training is another element of this
programme. It is intended to provide training in a variety of service and
manufacturing trades as well as local skills and local crafts so that the
beneficiaries can set up self-employment ventures or secure salaried employment
with higher remuneration.
There is sub-scheme under this scheme called “development of women and children
in urban areas” which extends special incentives to urban poor women who decide
to set up self-employment ventures in a group. To be eligible for subsidy under
this scheme the group should consist of at least 10 urban poor women. The group
society shall be entitled to a subsidy of Rs. 1,25,000/- or 50% of the cost of
project, whichever is less.
Urban Self Employment Programme (Loan & Subsidy)
:
This component of SJSRY focuses on providing assistance to
individual urban poor beneficiaries for setting up gainful self-employment
ventures - micro-enterprises.
Coverage :
The programme will be applicable to all cities and towns on
a whole town basis. Within each town, it will be implemented by selecting whole
clusters of the poor segments so as to bring in efficiencies in the
administration and the delivery mechanisms and also make the impact visible.
Funding Pattern :
The details of financing pattern under USEP are as follows
Maximum allowable unit project cost - Rs.200,000/-
Maximum allowable subsidy - 25% of the Project Cost subject to a maximum of Rs.
50,000/-.
Beneficiary contribution - 5% of the project cost as margin money.
Collateral - No Collateral required.
Urban women self-help programme (UWSP) :
This Component will be having two sub-components:
(i). Assistance to groups of urban poor women for setting up
gainful self-employment ventures - UWSP (Loan & Subsidy).
(ii). Revolving Funds for Self-Help Groups (SHGs) / Thrift
& Credit Societies (T&CSs) formed by the urban poor women – UWSP
(Revolving Fund).
Urban Women Self-Help Programme (Loan & Subsidy)
:
This scheme is distinguished by the special incentive
extended to urban poor women who decide to set up self-employment ventures in a
group as opposed to individual effort. Groups of urban poor women may take up
an economic activity suited to their skill, training, aptitude, and local
conditions.
The Urban Wage Employment Programme :
This programme seeks to provide wage employment to
beneficiaries living below poverty line by utilizing their labour for
construction of socially and economically useful public assets. This programme
applies to urban local bodies the population of which was less than 5 lakhs as
per 1991 census. The prevailing minimum wage rate, as notified from time to
time for each area, shall be paid to beneficiaries under this programme. No
educational qualification is required for the scheme.
Urban community development network (UCDN) -
community structures, community development & empowerment :
SJSRY shall rest on the foundation of community development
and empowerment. Rather than relying on the traditional method of top-down
implementation, the Scheme shall rely on establishing and nurturing community
organizations and structures that facilitate sustained urban poverty
alleviation. Towards this end, community organizations like Neighbourhood
Groups (NHGs), Neighbourhood Committees (NHCs), and Community Development
Societies (CDSs) shall be set up in the target areas.
For details, the municipalities / corporation under the
department of municipal affairs may be contacted.
For detail information visit http://employmentbankwb.gov.in/sjsry.php or
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Info Source- http://employmentbankwb.gov.in/sjsry.php
