सिर्फ़ हंगामा, खड़ा करना, मेरा मकसद नही!

सिर्फ़ हंगामा, खड़ा करना, मेरा मकसद नही

सारी कोशिश, है की ये, सूरत बदलनी चाहिए

मेरे सीने में नही, तो तेरे सीने में सही

हो कही भी आग लेकिन, आग जलनी चाहिए

sirf hangama, khada karna, mera maksad nahi

saari koshish, hai ki ye, soorat badalni chahiye

mere seene mein nahi, to tere seene mein sahi

ho kahi bhi aag lekin, aag jalni chahiye

Poet Dushyant Kumar wrote above lines on bringing change-describes that its not only we talk about change…but instead we must bring change!  And with Caritas HARIT PRAYAS and LIFE project we have tried to bring some of the institutional changes ( which probably not happened earlier)!

Now recently NABARD has given approval number and done have written letter to MVSS-Sagar for the approval of all the farmers club formed under HARIT PRAYAS .

 

At present in our 84 villages of LIFE and HARIT PRAYAS NABARD approval status is as:

Organization name	Farmers club formed	Farmers club approved	Remarks
RCDSSS-Ajmer ( LIFE project)	10	10	7 has been inaugurated by NABARD , taken bank loan up to Rs. 600000
SJVS-Banswara ( LIFE project)	10	8	2 has been inaugurated by NABARD. Taken subsidy on agriculture equipments.
JCSS-Jhansi (HARIT PRAYAS project)	15	0	Submitted application for approval of 5 clubs
SSSS-Satna	15	0	Submitted application for approval of 5 clubs
MVSS-Sagar	21	21	All farmers club approved
Total	71	39

This all has possible because of strong Partnership management with the different stakeholders. With HARIT PRAYAS and LIFE we have initiated the concept of sustaining the project from its beginning and for this involved different stakeholder as the “partner of the project” rather than just supporting agencies. Now with both these project NABARD, KVK , PRI, Nehru Yuva Kendera, Forest Department, Agriculture department  & District  NREGA  ( at Sagar only) are the partners of the project and very well systematically involved in taking these projects even after the project period ( i.e. after the completion of the project) and not only to the project these partners also supporting the concerned organizations ( MVSS-Sagar, SSSS-Satna, JCSS-Jhansi, SJVS-Banswara and RCDSSS-Ajmer) in their other projects and have now organizational linkages.

Benefits of farmers club been approved by NABARD: ( more you can log on to : http://www.nabard.org/development&promotional/farmersclubprogrammemore.asp)

1. NABARD’s support to FCs:

NABARD’s policy support for Farmers’ Club Programme lays stress on linking technologies with farmers’ club members and also facilitating market access through the following mechanism:

• Capacity building of members of Farmers’ Clubs including leadership training.
• Linkage with technology/markets
• Self Help Groups (SHGs)/Joint Liability Groups (JLGs) formation
• Forming Federations of Farmers’ Clubs/Producers’ Groups/Companies

2. NABARD’s support o Farmers’ Training & Rural Development Centres (FTRDCs):

NABARD supports recurring expenses of Farmers’ Training and Rural Development Centres (FTRDCs) set up by institutional agencies. NABARD has set up a Farmers’ Technology Transfer Fund (FTTF) to be used to facilitate transfer of technologies and market linkages especially through Farmers’ Clubs besides need based support for formation of Producers’ Groups/ Companies, Federations of farmers’ Clubs etc.

3. Importance attached to FC Programme by Govt. of India: All Regional Rural Banks have been directed by Union Finance Minister to have at least one Farmers’ Clubs per branch. In view of the importance attached to the programme by NABARD & GOI and also in the context of business advantages that accrue to institutional agencies, banks may adopt the Farmers’ Club programme as their business strategy.

4. Financial Support from NABARD

NABARD assistance to all agencies will uniformly be @Rs.10,000/- per club per annum for a period of 3 years irrespective of whether they are institutional or other agencies and also the region concerned. The assistance will be towards meeting the following minimum and mandatory expenses:

S. No.	Particulars	Amount (Rs.)
1.	Formation & Maintenance Expenses	2,000.00
2.	Base Level Orientation Training Programme (BLOTP)	5,000.00
3.	Meet with Experts (2 Programmes in a year)	3,000.00
	Total	10,000.00

NGOs/KVKs will be provided with an incentive of Rs.2,000/- per club out of the total assistance of Rs.10,000/- per club per annum. NGOs/KVKs who are operating in hilly/remote/naxal affected areas, will be provided with additional incentive of Rs.3,000/- per club for a period of  3 years over and above Rs.10,000/- referred to above.

5. Revival Package of Assistance for Dormant Clubs: In order to revive the dormant/defunct FCs, NABARD has introduced a revival package. The assistance may be used towards meeting the revival cost including arranging exposure visits for members of such dormant clubs as well as concerned branch managers. Package of assistance may be extended to NGOs/VAs for revival of clubs promoted by banks.

6. Sustainability of Farmers’ Clubs: Regular source of income and consistency in their activities is the key to sustainability of FCs. Sustainability of Farmers’ Clubs may be ensured through creation of a corpus at the club level through measures such as:

• Token membership fees (to be decided by members)
• Monthly savings (to be decided by the Club members)
• Service charge for SHG/JLG loans recommended to banks @0.5% and 1%. (This is suggestive and the club members can decide themselves.)
• Commission/incentive for selling insurance products (as per negotiations with individual insurance companies).
• Commission for acting as Business Facilitators/Business Correspondents (to be negotiated with individual banks).
• Any other charges for services provided to other agencies like Government, Corporate Bodies etc.).

Such steps are expected to make the Farmers’ Clubs self sustaining over a period of 3-5 years, when the funding support from institutional agencies is withdrawn.

6.Benefits of Farmers' Club to Bank Branch The formation of Farmers’ Club lead to better Banker-Borrower relationship in the area. An Evaluation study of Farmers’ Club Programme (FCP) carried out by IIM, Lucknow has brought out the following advantages of FCs to bank branches:

• Increase in deposits.
• Increase in the credit flow and diversification of lending.
• Generation of new business avenues.
• Increase in the recoveries and decline in the non-performing assets.
• Reduction in the transaction costs of financial institutions/ Banks.
• Socio economic development of the village.
• A win-win situation both for the banker and borrower.
• Besides these benefits to the banks, the Farmers’ Club has also been instrumental in certain social welfare measures like free eye check-up camp, Animal Health Care Camp, Mass vaccination camp, community works like road, check-dams, afforestation, etc.
• Enhancement in bargaining power for bulk purchase of inputs and marketing of their produce.

 7. Capacity Building for Adoption of Technology (CAT): NABARD’s Capacity Building for Adoption of Technology (CAT) programme may be used for the benefit of farmers’ club members for training and exposure visits within and outside the State.

Let’s bring change!