Uttarakhand - Department of Land Resources
Uttarakhand - Department of Land Resources Uttarakhand - Department of Land Resources
The participation of bank branches is still not up to the desired extent although there is network of 1135 bank branches and 763 PACS in the State. The banker‟s conservative attitude, skepticism over the utility of micro finance as a business proposition, security orientation and reluctance to finance women SHGs must undergo change to upscale the SHG Bank Linkage Program. A large number of SHGs have been promoted by the DCCBs/ PACS in the State. The progress in credit linkage of these groups is yet to pick up. State Govt. may issue necessary instructions to the DCCBs/ PACS to provide credit facility to eligible groups. Keeping in view the limited outreach of the NGOs, it is necessary to involve other State govt. Department engaged in rural development activities and working at grassroots level to upscale the movement further. Department like Forest, Agriculture and Education, etc, with vast manpower functioning at village level can also be involved for associating with this movement. Some of these departments have also formed groups to implement their programs. These groups also can be co-opted into the movement by introducing savings and credit as add- on activities to their core functioning. The government may consider issuing necessary instructions to the women and Child Welfare Department to involve Aanganwari workers in promotion of SHG program in the State like in other States. An effort in this direction has been initiated in Nainital and Haridwar district. The banks may include the Micro credit and joint Liability Group concept in their regular training sessions. The progress of formation and credit linkage of SHGs as also the progress in the formation of farmers clubs may be reviewed in each and every district level meeting. The para–statal agencies/ NGOs which are promoting SHGs may also be selectively invited in the Distt./Block level meetings convened by LDMs. Non availability of data from Banks is an area of concern. The Management Information System (MIS) for Micro credit is yet to be developed by the banks. 66
Rating of SHGs is an important requirement for embedding quality in the SHGs and to create consciousness of the same amongst the players in the movement. Partner agencies may develop their own norms or adopt the norms suggested by NABARD. All partners may ensure to suffix the name of the Self Help Promoting Institution (SHPI) at the end of the name of the SHGs so as to enable easier identification in the field and avoid duplication. Govt. should evolve system of grading of NGOs functioning in the State. The norms evolved by NABARD for NGO‟s grading can be replicated. RBI has directed all banks in the country to introduce „No Frills Accounts‟ where the minimum balance could be zero or a very nominal amount with a view to making available basic banking to vast sections of poor population / SHGs. All banks are urged to give facility of such a „No frills‟ accounts to SHGs. Processing: In Uttarakhand, there exists the necessary political will and commitment for developing food-processing industry. As a flourishing Food Processing industry will be an important revenue generator for the state and also provide employment to the rural masses and restrict the out migration from the state. Uttarakhand has the raw material resources for developing a progressive and sustainable food processing industry. Presently the food processing industry is in a nascent stage, which requires to be developed with pro-active governmental facilitation. Uttarakhand presently has very few medium and large-scale food processing units, most of the foods processing units are in the „Village and Small Scale sector‟ and most of them are not doing well. There are many sick units as well, recently the government leased its food-processing factory in Ramgarh to NDDB. The state also has around 48 fruit and vegetable canning units in villages that are defunct; there are plans to rejuvenate nearly 24 units. There are many schemes to promote the food-processing industry sector agencies like Kumaon Mandal Vikas Nigam, Garhwal Mandal Vikas Nigam, Khadi and Village Industry Board, Hiltron, Janjati Vikas Nigam etc. and some central government agencies promoting the food processing industry. 67
- Page 25 and 26: 5 Tehri 134 4,14,588 6 Rudraprayag
- Page 27 and 28: IRRIGATION STATUS As mentioned earl
- Page 29 and 30: AGRICULTURAL GROWTH AND DEVELOPMENT
- Page 31 and 32: As per (Annexure Table 2.8) the cro
- Page 33 and 34: Herbal and Medicinal plants : Uttar
- Page 35 and 36: Major forest types occurring in the
- Page 37 and 38: alance study has been conducted in
- Page 39 and 40: Uttarakhand. The Company targets a
- Page 41 and 42: Payment for ecosystem services: The
- Page 43 and 44: consumption. Sheep are held in larg
- Page 45 and 46: Natural lakes: Uttarakhand is havin
- Page 47 and 48: selling of agricultural produce and
- Page 49 and 50: Micro Credit : The State of Uttarak
- Page 51 and 52: Champawat, Dehradun, Pauri Garhwal,
- Page 53 and 54: The district which are having high
- Page 55 and 56: Uttarakhand has about 13 percent of
- Page 57 and 58: star if developed. The Delhi market
- Page 59 and 60: Weakness: Lack of sub-reg
- Page 61 and 62: products can be prepared from these
- Page 63 and 64: 4. Irrigation facilities are poor -
- Page 65 and 66: ANALYSIS OF ISSUES IN LIVESTOCK MAN
- Page 67 and 68: The forests cover 63.44 percent of
- Page 69 and 70: parts of the state. So there is a n
- Page 71 and 72: staples. Traditionally in the Himal
- Page 73 and 74: culture of carps in the plain distr
- Page 75: Cooperatives: The objective of orga
- Page 79 and 80: For planning of marketing strategie
- Page 81 and 82: Exhibit-3-VI- Focus issues in Agri
- Page 83 and 84: 7. Developing of farm equipment /ma
- Page 85 and 86: Exhibit 3-VII Agriculture Extension
- Page 87 and 88: Even though such an infrastructure
- Page 89 and 90: The maintenance of roads as per the
- Page 91 and 92: the agricultural sector. Profession
- Page 93 and 94: CHAPTER - 4 MAJOR PROGRAMS / SCHEME
- Page 95 and 96: watershed basis are being sanctione
- Page 97 and 98: ANALYSIS OF VARIOUS PROGRAMS/ SCHEM
- Page 99 and 100: people. Not all focus group members
- Page 101 and 102: The overall aims and objectives of
- Page 103 and 104: Project objective of regenerating e
- Page 105 and 106: conservation. Similarly, analysis o
- Page 107 and 108: 5. The number of people provided la
- Page 109 and 110: CHAPTER - 5 ISSUES AND CHALLENGES T
- Page 111 and 112: Thus the main issues which need to
- Page 113 and 114: possible impacts on natural resourc
- Page 115 and 116: The fact is that the fodder crisis
- Page 117 and 118: already constrained due to mountain
- Page 119 and 120: strategies has to be shifted toward
- Page 121 and 122: CHAPTER - 6 VISION AND MISSION Utta
- Page 123 and 124: CHAPTER -7 PERSPECTIVE NEED FOR PER
- Page 125 and 126: Out of the 537 untreated MWS, 409 m
The participation <strong>of</strong> bank branches is still not up to the desired extent although there<br />
is network <strong>of</strong> 1135 bank branches and 763 PACS in the State. The banker‟s<br />
conservative attitude, skepticism over the utility <strong>of</strong> micro finance as a business<br />
proposition, security orientation and reluctance to finance women SHGs must<br />
undergo change to upscale the SHG Bank Linkage Program.<br />
A large number <strong>of</strong> SHGs have been promoted by the DCCBs/ PACS in the State.<br />
The progress in credit linkage <strong>of</strong> these groups is yet to pick up. State Govt. may<br />
issue necessary instructions to the DCCBs/ PACS to provide credit facility to eligible<br />
groups.<br />
Keeping in view the limited outreach <strong>of</strong> the NGOs, it is necessary to involve other<br />
State govt. <strong>Department</strong> engaged in rural development activities and working at<br />
grassroots level to upscale the movement further. <strong>Department</strong> like Forest, Agriculture<br />
and Education, etc, with vast manpower functioning at village level can also be<br />
involved for associating with this movement. Some <strong>of</strong> these departments have also<br />
formed groups to implement their programs. These groups also can be co-opted into<br />
the movement by introducing savings and credit as add- on activities to their core<br />
functioning.<br />
The government may consider issuing necessary instructions to the women and<br />
Child Welfare <strong>Department</strong> to involve Aanganwari workers in promotion <strong>of</strong> SHG<br />
program in the State like in other States. An effort in this direction has been initiated<br />
in Nainital and Haridwar district.<br />
The banks may include the Micro credit and joint Liability Group concept in their<br />
regular training sessions.<br />
The progress <strong>of</strong> formation and credit linkage <strong>of</strong> SHGs as also the progress in the<br />
formation <strong>of</strong> farmers clubs may be reviewed in each and every district level meeting.<br />
The para–statal agencies/ NGOs which are promoting SHGs may also be selectively<br />
invited in the Distt./Block level meetings convened by LDMs.<br />
Non availability <strong>of</strong> data from Banks is an area <strong>of</strong> concern. The Management<br />
Information System (MIS) for Micro credit is yet to be developed by the banks.<br />
66
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