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Urban
Poverty Alleviation
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The
Swarna Jayanti Shahari Rozgar Yojana (SJSRY)
Programmes has been implemented by the
Department of Urban Development &
Housing Department since 1997 winding up the
old Poverty Alleviation Programmes.
This Programme of SJSRY is a Poverty
Alleviation Programme to cater to the Urban BPL Families. The SJSRY seeks to provide gainful employment to the
urban unemployed or under employed poor
through setting up of Self Employment
Ventures or provision of
Wage Employment Ventures.
It consists of two special schemes
namely :-
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- Urban Self
Employment Programme (USEP)
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- Urban
Wage Employment Programme (UWEP).
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I.
Urban Self Employment Programme (USEP)
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This
Programme has three distinct parts :-
(i)
Assistance to individual urban poor
beneficiaries for setting up gainful Self
Employment Ventures.
This Programme is to encourage under
employed and unemployed urban youth to set up
small enterprises relating to servicing, petty
business and manufacturing for which there is
a lot of potential in urban areas.
Local skills and local crafts are
encouraged for this purpose.
While taking up projects/activities
cost, marketability, economic violability etc.
has to be taken into consideration.
The maximum allowable subsidy will be
15% of the project cost subject to a limit of
Rs. 7,500/- (Rupees seven thousand five
hundred) only.
The beneficiaries are required to
contribute 5% of the project cost as margin
money.
The operational details of the same is
given as under :-
| 1. |
Identification
of Beneficiaries |
Only
those identified and listed on the basis
of the survey |
| 2. |
Eligibility |
Urban
poor
living below the poverty line, in
any urban center. |
| 3. |
Family
Income |
Annual
family income of less than Rs. 11,850/-
(Rupees eleven thousand eight hundred fifty) only. |
| 4. |
Residency |
Residing
in the town for at least three years. |
| 5. |
Defaulter |
Should
not be a defaulter to any Nationalized
Bank/Financial Institution/Co-operative
Bank. |
| 6. |
Nature
of Activities |
An
illustrative list of activities is as
follows :-
| (A) |
Town
services requiring no special
Skills. |
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Tea
shop, news paper/magazine shop,
ice cream vendors, mile vendors,
pan/cigarette shop, rickshaw
pulling, fruit/vegetable vending,
laundry work. |
| (B) |
Town
services requiring no special
skills. |
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Repairing
of T.V../radio/refrigerator/ type
writer/cooler/cycle/automobile/dieselmotor/diesel
engines/watch/electrical domestic
appliances, catering, dry
cleaning, canning of chairs, motor
winding, shoe repair, book binding
as well as skills pertaining to
house upgradation/construction
such a plumbing, carpentry,
masonary, painting and polishing,
tile laying, glass pane fixing,
electricals etc. |
| (C) |
Micro-manufacturing
units which Require skills. |
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Making/manufacturing
of washing powder, agarbatti,
bangle, garments, plastic toys,
foot wear, wooden/steel furniture,
saree printing, weaving, pottery,
black-smithy, utensil/steel
fabrication, food processing, ball
pen making etc.
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| (D) |
Assistance
should also be available under
agricultural and allied activities
small scale services/business
activities e.g. general merchant
shop, kirana shop, building
materials shop, ready made
garments and dairy units. |
| (E) |
No
training should be required if the
beneficiaries has already
undergone training in the
scale/trade from a registered
NGO/VO, provided requisite
certificate is produced to that
effect. |
| (F) |
Training
should also not be necessary if
the beneficiaries has learnt the
activity such as pottery making,
cobblery. |
| (G) |
Training
should also not be necessary if
the beneficiary has learnt a
particular trade from
private/public registered company
as apprentice or employee
certificate from the
private/public registered company. |
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| 7. |
Project
Cost |
Project
upto Rs. 50,000/- (Rupees fifty
thousand) only is under the scheme in
case of individual.
If two or more eligible persons
join
together in a partnership, the
project with higher costs would also be
covered provided share of each person in
the project cost of Rs. 50,000/- (Rupees
fifty thousand) only or less. |
| 8. |
Subsidy |
Subsidy
would be provided at the rate of 15% of
the project cost subject to a ceiling of
Rs. 7,500/- (Rupees seven thousand five
hundred) only per beneficiary.
In case more than one beneficiary
join together and set a project under
partnership, subsidy would be calculated
for each partner separately at the rate
of 15% of his share in the project cost.
Limit to Rs. 7,500/- (Rupees
seven thousand five hundred) only per
partner. |
| 9. |
Margin
Money |
Each
beneficiary is required to contribute 5%
of the project cost as margin money in
cash. |
| 10. |
Loan
(inclusive of subsidy) |
95%
of the project cost would be sanctioned
as composite loan by Bank at the rate of
interest applicable To such priority
sector loans fixed by Reserve Bank of
India, from time to Time. |
| 11. |
Collateral
Guarantee on Bank Loans |
The
loans would not require any collateral
guarantee.
Only assets
Created under the programme
would Be
hypothecated/mortgaged/pledged To the
Bank advancing the loans. |
| 12. |
Repayment |
Repayment
schedule ranges from 3 to 7 years after
initial moratorium of 6 to 10 months as
decided by Bank. |
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Department of UD & HD has provided
loan subsidy under USEP to 186 urban
poor beneficiaries since 1997 till date. |
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(ii)
Development
of women and Children in Urban Areas (DWCUA) :
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Assistance
to groups o urban poor for setting up gainful
self employment ventures.
This sub scheme is called “The scheme
of Development of Women & Children in the
Urban Areas (DWCUA)”.
This
scheme is especially made for urban poor women
who decide to set up Self Employment Ventures
in a group.
Groups of urban poor women shall take
up an economic activity suited to the skill,
training, aptitude and local conditions.
Besides generation of income, this
groups strategy shall strike to empower the
urban poor women by making them independent as
also providing a facilitating atmosphere for
self employment.
To
be eligible for subsidy under the scheme, the
DWCUA group should consists of at least 10
urban poor women.
Later on this group will be encouraged
to set itself up as a Thrift & Credit
Society.
The
Department has formed seven groups with
seventy members.
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(iii) Skill
Development and Training
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Training
of beneficiaries, potential beneficiaries and
other persons associated with the Urban
Employment Programme for upgradation and
acquisition of vocational and entrepreneurial
skills.
Skill
development through appropriate training is
another element of this programme.
It intends to provide training to the
urban poor in a variety of service and
manufacturing trades as well as in local skill
and local crafts so that they can set up self
employment ventures or secure salaried
employment.
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So
far, the Department has conducted 27 trainings
and 575 beneficiaries have been covered under
this programme.
To
facilitate the sale of production produced by
the DWCUA groups and to encourage the urban
poor artisans and those who have
availed of training facilities on Self
Employment Ventures,
a marketing outlet has been established
at Super Market, Lall Bazar.
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Minister
for UD&HD inaugurating Marketing Center at
Super Market, Gangtok
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II. Urban Wage
Employment Programme
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This
programme seeks to provide wage employment to
beneficiaries living below the poverty line
within the jurisdiction of urban area by
utilizing their labour for construction of
socially and economically useful public
assets. Till now 25 assets have been created since 1997.
Through
this write up this Department expects response
from the public who were unaware of this
programme especially in respect of USEP
loan/subsidy being provided to the
unemployed/underemployed urban poor.
Interested eligible beneficiaries may
obtained forms for applying loan.
For
detail information the SJSRY Cell of the
Department may be contacted.
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