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August 8, 2012

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  1. August 8, 2012 RashtriyaMahilaKosh Presentation at Conference on Financial Inclusion By – S.R. Nimesh General Manager

  2. Structure of the Presentation • RMK – Facts • Credit Delivery Mechanism • Capacity Building & Skill Development Programs • Activity wise coverage of Loans • Impact Evaluation of RMK Beneficiaries 2

  3. 1. RMK - Facts • RashtriyaMahilaKosh(RMK) established in 1993 as Autonomous Organization of the Ministry of Women & Child Development. • The only national-level micro-finance organization, in the government sector, exclusively for poor women. • Providing collateral free micro-credit as well as support for capacity building and marketing linkage. • Pioneer in establishing unique micro-finance delivery model in India • Online remittance of loans and recovery thereof from intermediary organizations • Strengthening envisaged: Corpus to be raised from ` 100 Cr to `500 Cr 3

  4. Direct loaning to Intermediary Micro- financing Organizations (IMOs) Nodal Agency (Collects Loan proposals from eligible IMOs and forwards to RMK) Franchisee Smaller IMOs SHGs Members SHGs Members 2. Credit Delivery Mechanism RashtriyaMahilaKosh

  5. 3. Capacity Building & Skill Development Programmes • RMK organizes for its own IMOs the Exposure visits and Capacity Building Programs (CBP) on Credit Management, Mentoring, Recovery etc. • CBP for IMOs are organized at NIPCCD Regional Centres on SHG promotion & Development and issues relating to micro - finance & income generation activities. • Awareness Seminars & workshops are organized to identify and train potential NGOs to bring them in the ambit of RMK. 5

  6. 3. Capacity Building & Skill Development Programmes … • Skill Development Programs (SDP) organized in accredited Govt. Organizations / NGOs/ Research Institutions/ Academic Institutions etc. • Specific skill trainings arranged, as per demand e.g. animal husbandry, dairy farming, dairy products, crop-cultivation, artificial-jewelerydesigning, non-conventional energy (Solar Dhaba), handloom & handicrafts etc. • Support for participation in Trade Fairs like VatsalyaMelain Delhi Haat & PragatiMaidanto display and market SHG products; also provided for similar regional/State trade fairs 6

  7. 4. Activity wise coverage 7

  8. 5. Impact Evaluation of RMK Beneficiaries Evaluation studies conducted in 2007-08 and 2010 revealed following impact– • Beneficiaries coverage: Rural 84%; Urban 16%; 86% BPL • Majority of women beneficiaries reported: • Increase in household income and expenditure • Improvement in food consumption pattern • Increase in acquisition of Household Assets - TV, Fridge, Fan, Telephone etc • Increased access to medical facility & education, particularly for girl child • Increase in their self confidence, social status and security. • Improvement in over-all standard of living; and decrease in domestic violence. 8

  9. Thank you !! 9