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Information about NABARD MODEL

Published on September 30, 2009

Author: sudhirpandey2008


NABARD MODEL : 9/30/2009 NABARD MODEL 1 NABARD: An introduction : NABARD: An introduction NABARD is set up as an apex Development Bank with a mandate for facilitating credit flow for promotion and development of agriculture, small-scale industries, cottage and village industries, handicrafts and other rural crafts. It also has the mandate to support all other allied economic activities in rural areas, promote integrated and sustainable rural development and secure prosperity of rural areas. In discharging its role as a facilitator for rural prosperity NABARD is entrusted with- Providing refinance to lending institutions in rural areas Bringing about or promoting institutional development and   Evaluating, monitoring and inspecting the client banks 9/30/2009 2 Cont… : Cont… Besides this pivotal role, NABARD also:   Acts as a coordinator in the operations of rural credit institutions  Extends assistance to the government, the Reserve Bank of India and other organizations in matters relating to rural development   Offers training and research facilities for banks, cooperatives and organizations working in the field of rural development  Helps the state governments in reaching their targets of providing assistance to eligible institutions in agriculture and rural development  Acts as regulator for cooperative banks and RRBs 9/30/2009 3 NABARD's Micro Finance - Vision and Mission : NABARD's Micro Finance - Vision and Mission Vision: Empowerment of rural poor by improving their access to the formal credit system through various MF innovations in a cost effective and sustainable manner Mission: To extend financial services to one third of India's unreached and underserved rural poor numbering nearly 100 million through one million SHGs with focus on women during a ten year period through various microfinance interventions 9/30/2009 4 NABARD and Micro finance : NABARD and Micro finance 9/30/2009 INFLUENCING POLICIES NABARD Innovative Projects : Innovative Projects Setting up of grain banks Project on processers cards Project on e-grama Joint Liability Groups Setting up of computer munshis Micro enterprise promotion by SHGs 9/30/2009 SCHEME OF PROVIDING TECHNOLOGY SUPPORT TO NGOs : SCHEME OF PROVIDING TECHNOLOGY SUPPORT TO NGOs Grant Assistance up to Rs.50,000 Purchase of PC NGO should have completed 3 years Should have promoted minimum 500 SHGs Should not have been black-listed 9/30/2009 NABARD manpower building approaches : NABARD manpower building approaches Bankers Different training and exposure programmes for CEOs, Directors on Boards, middle management, branch managers, field staff NGOs Different training and exposure programmes for CEOs and field staff, Refresher programmes Government officials Different training and exposure programmes for senior bureaucrats, middle level operational functionaries, and field staff Trainers Different programmes to equip trainers from Banks, Government, and NGOs 9/30/2009 Different models of microfinance : Different models of microfinance Models of microfinance involving credit linkage with banks : SHG - Bank Linkage Model : This model involves the SHGs financed directly by the banking agencies viz. Commercial Banks (Public Sector and Private Sector), Regional Rural Banks (RRBs) and Co-operative Banks. MFI - Bank Linkage Model : This model covers financing of Micro Finance Institutions (MFIs) by banking agencies for on-lending to SHGs and others small borrowers covered under microfinance sector. 9/30/2009 9 SHG-BANK Linkage Models : SHG-BANK Linkage Models 9/30/2009 SHG - Bank Linkage Model : SHG - Bank Linkage Model A homogeneous group of about 15 to 20 Every member to save a small amount regularly. Pooled savings kept in a savings bank account in SHG’s name Depending on the SHG’s maturity, bank gives loan to the SHG as a multiple of the pooled savings. Bank loan added to the SHG kitty. 9/30/2009 11 Design features of SHGs : Design features of SHGs Enables exclusion of rich Self-selection Focus on women Saving first and credit later Credit rationing Shorter repayment terms Market rates of interest Progressive lending 9/30/2009 12 Overall Progress under Microfinance for the years 2006-07 and 2007-08 : Overall Progress under Microfinance for the years 2006-07 and 2007-08 9/30/2009 13 Savings of SHGs with Banks- Agency Wise position for the years 2006-07 and 2007-08 : Savings of SHGs with Banks- Agency Wise position for the years 2006-07 and 2007-08 9/30/2009 14 Bank loan distributed to SHGs- Agency Wise position for the years 2006-07 and 2007-08 : Bank loan distributed to SHGs- Agency Wise position for the years 2006-07 and 2007-08 9/30/2009 15 Recovery Performance – Agency-wise (All SHGs) : Recovery Performance – Agency-wise (All SHGs) 9/30/2009 16 Legal Forms of MFIs : Legal Forms of MFIs Micro Finance Institutions (MFIs) are playing an important role of financial intermediaries in microfinance sector. The MFIs operate under various legal forms. NGO MFIs – Registered under Societies Registration Act 1860 and / or Indian Trust Act 1880 Co-operative MFIs – Registered under State Co-operative Societies Act or Mutually Aided Co-operative Societies Act (MACS) or Multi- State Co-op. Societies Act, 2002 NBFC MFIs under Section 25 of Companies Act, 1956 (Not for profit) NBFC MFIs incorporated under Companies Act, 1956 & registered with RBI 9/30/2009 Bank Loan provided to MFIs – 2006-07 and 2007-08 : Bank Loan provided to MFIs – 2006-07 and 2007-08 9/30/2009 Initiatives to Support MFIs : Initiatives to Support MFIs MFDF redesignated as Micro Finance Development & Equity Fund (MFDEF) with enhanced corpus of Rs.200 Crore for promoting the sector through grant for capacity building support. NABARD provides refinance to Banks at concessional rates of interest in order to encourage Bank –MFI linkage A scheme for rating is launched by NABARD to enable qualifying and deserving MFIs to obtain loans from banks 9/30/2009 Promotional efforts by NABARD : Promotional efforts by NABARD NABARD Refinance Support to Banks NABARD provides refinance support to banks to the extent of 100% of the bank loans disbursed to SHGs. The total refinance disbursed to banks against their loans to SHGs during the year 2007-08 was Rs.1615.50 crore as against Rs.1292.86 crore during the year 2006-07 with a growth rate of 30%. 9/30/2009 Cont… : Cont… Promotional Support - SHG Bank Linkage Training and Capacity building Micro Enterprise Development Programme (MEDP) for skill Development Grant Support to Partner Agencies for Promotion and Nurturing of SHGs Pilot Project on SHG Post Office Linkage Programme 9/30/2009 Slide 22: 9/30/2009 Reference : Reference Status of microfinance(NABARD) 9/30/2009 Slide 24: 9/30/2009 THANK YOU Team members: Swati Barapatre Arun M. Minz Sudhir Kumar Pandey Sushil Minj

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