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Government Of Assam Panchayat & Rural Development State Institute of Panchayat and Rural Development (SIPRD)

Special Projects under SIPRD

  • Chief Minister’s Jeevan Jyoti Swaniojan Yojana

    Background: The objective of the Chief Minister’s Jeevan Jyoti Swaniojan Yojana is to provide financial assistance to educated unemployed youth by providing institutional credit supported by Government subsidy to enable them to undertake productive income generation activities for self employment. The State Government entrusted the responsibility to the State Institute of Rural Development for implementation of the project in July’ 2005. The institute has since been implementing the project.

    1. Basic Objective of the Project

    Specially attraction to the youth: Chief Minister’s Jeevan Jyoti Swaniojan Yojana has been exclusively designed to provide self employment avenues to unemployed youth through JointLiability Groups.

    Wide range of income generating activities: Another attractive provision in the yojana is that unemployed youth can select their economic activities from wide range of income generation activities.

    Diversification of income generating activities: Initially thrust was on mechanised agricultural activities, livestock, poultry farming, fishery, horticulture etc. Now, youth have gone for different micro enterprises in secondary and tertiary sector including rural transport.

    Target Group: Loan and government subsidy under yojana is provided to unemployed youth, young farmers, weavers, women, artisans within the age group of 18 to 37 years. they may belong to both BPL and marginally above BPL families.

    Educational qualification: The applicants should have read up to Class X standard. However, educational qualification is relaxed upto Class – V for women for undertaking schemes in handloom, sericulture etc. Educational qualification is relaxed upto Class – VII for youth taking up agricultural activities with power tillers and tractor

    2. Loan and subsidy pattern

    GroupLoan Ranges
    For 4 members JLGsLoan ranges from Rs. 2.00 lakhs to Rs. 6.00 lakhs. Subsidy Rs. 1.60 lakhs or 50% of the project cost whichever is less.
    For 2 members joint effortLoan ranges from Rs. 2.00 lakhs to Rs. 2.50 lakhs. Subsidy Rs. 80,000.00 or 50% of the project cost whichever is less.
    For individualLoan ranges from Rs. 1.00 lakhs to Rs. 1.50 lakhs. Subsidy Rs. 40,000.00.

    3. Following activities can be taken up by the youth, women, weavers, farmers, entrepreneurs etc.

    SCHEME NAME
    Agri Input OutletAgri MarketingAgri Product TransportAgro ProcessingAluminium frame making
    Bamboo Taarja IndustryBeauty ParlourBeekeeping UnitBeg Manufacturing UnitBhujia, Mixture Industry
    Bicycle Repairing & Selling StoreBook StallBoutique Cum Art & CraftBrick IndustryBroom Making Unit
    Candle IndustryCane & BambooCoaching CentreComputer Centre cum DTP CentreComputer Graphic Designing
    Computer Repairing CentreCutting & TailoringElectrical goods servicing
    & repairing outlet
    Fertilizer ShopG.I. Fencing Unit
    Gift Item ShopGrocery & Stationary ShopHandicraftHandloomHardware Shop
    Home Appliances DistributorIncenese Stick Rolling Cum ProductionInternet caféMarketing OutletMeat Shop
    Medical StoreMobile repairingModern Rice MillMoter Parts ShopPaver Block making unit
    Photo StudioPlumberPoultry Feed OutletRCC ProductsRestaurant
    Rural TransportSheetal Pati Manufacturing UnitStationery ShopSteel Fabrication UnitSupari Processing
    Tailoring UnitTent HouseVermi CultureVideo Editing CentreWater Packaging
    Wooden Furniture UnitYarn Store   

    4. Selection of youth, women under Chief Minister’s Jeevan Jyoti Swaniojan Yojana

    The Chief Minister’s Jeevanjyoti Swaniyojan is a demand driven project of the Government. On receipt of demand/applications, the selection of eligible youth is done by the implementing agency through the block level selection committee BDO, President of Gaon Panchayat /VCDC concerned, Bank Branch Manager Concerned or his representative and representative of SIRD, Assam. In case of semi urban/urban areas, the bank, the field Officer of SIRD, Joint Director of SIRD is finalizing the selection after field verification.

    Sequence and steps being followed for selection of youth.

    • Awareness generation in the field through Extension Centres, field level facilitators and bank officials for mobilizing youth for the project.
    • Recommendation of youth from MLAs, Ministers, PRIs, Local Officials belonging to different departments, different organisations.
    • Interactions with the youth to assess their interests and aptitude.
    • Formation of groups and opening of bank account through facilitators.
    • Selection of income generating activities based on the interest, aptitude and capability etc. of youth through orientation programmes.
    • Preparation of loan proposal and sponsoring to the banks.
    • Joint verification of the groups in the field by bank officials and facilitators of SIRD.
    • Training on skill upgradation.
    • Final examination by banks of the documents submitted with the proposals. Deposit of borrowers contribution, mortgage documents, collateral security etc. for final clearance of the proposal at the bank.
    • On clearance and compliance of all above formalities by the group, sanction is accorded and government margin money is claimed by respective banks from SIRD.
    • On receiving the margin money from the SIRD, the loan is disbursed as per bank norms.
    • The selection of the youth for formation of the Joint Liability Group and finally getting loan is a systematic process which passes through different stages. The banks being major stakeholders, final decision rests with them.