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Non SHG Based Schemes

SHG Based Shemes

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SHG Based Schemes -

Before " Tejaswini Maharashtra Rural Women Empowerment Programme".

Maharashtra Rural Credit Programme : (1994-2002)

The Maharashtra Rural Credit Programme (MRCP) is a poverty alleviation programme supported by the International Fund for Agricultural Development. In the first phase from 1994 onwards the programme was implemented in 4 Districts of Chandrapur, Yeotmal, Nanded and Pune. Thereafter from 1998 onwards 8 Districts namely Gadchiroli, Bhandrara, Amravati, Dhule, Jalgaon, Thane, Beed and Nandurbar were added. In the programme MAVIM was entrusted with the responsibility of ensuring "Women's Access to Credit" as an important dimension. While organizing rural women into SHGs MAVIM ensured that along with their economic development, the political and social developmental needs of the women were also addressed and a strong sense of 'self' was inculcated in the women. upto March 2007 , 4516 SHGs have been formed and 64,423 w omen were organised together under this scheme. In this project at the end of March 2007 the women had savings of Rs.10.51 crores and Rs. 39.56 crores of internal lending. The groups had accessed bank loans to the tune of Rs. 25.82 crores. and 36549 women started their own business.

Swarna Jayanti Gram Swarozgar Yojana (SGSY) :- (On going)

The SGSY is a Central Government Scheme implemented through the District Rural Development Agency under the Rural Development Department with the aim of alleviating poverty. The scheme was initiated in 1999 but MAVIM has implemented the scheme in 2001. The scheme is being implemented in 31 rural districts of Maharashtra. At the end of March 2007, 10413 SHG groups were formed and 1,15,8284 women were organised. By the end of March 2007 the women saved Rs.13.64 crores and generated internal lending of Rs. 35.15 crores under this project. The women also obtained Rs.35.15 crores of bank loans and 45405 women started their own business.

Swayamsiddha Programe (IWEP) : (2002-2007)

The Indira Mahila Yojana was implemented by the Central Government from 1994 and the Mahila Samruddhi Programme was merged with it and a revised Swayamsiddha Programme was declared for implementation for 5 years from 2001 2002 onwards. To implement the programme MAVIM was declared as the Programme Implementation Agency (PIA) vide G.R. No. IMY-2001/40/Ka-10 dated 3.12.2001.The Women & Child Development Department, Mantralaya, has declared MAVIM as the Apex Body for the same. MAVIM implements the Swayamsiddha Programme in 19 districts and 36 Blocks in Maharashtra. Out of 36 blocks, 21 blocks (old) of Indira Mahila Yojana and 15 new blocks were selected. A target of forming 3,500 self-help groups by the end of 2006 was given in 19 districts where the programme operated. At the end of March 2007, 3943 SHG groups were formed and 50066 women were organised. The women saved Rs. 5.70 crores and generated internal lending of Rs. 10.31 crores. They obtained bank loans of Rs. 12.65 crores. 17734 women started their own business.

Ramai Mahila Shakshamikaran (SCP): (On going

Under the Special Component Plan, the department of Social Justice of the State Government allotted the scheme of formation of 20,250 self-help groups of Scheduled Castes i.e. 3,03,750 women throughout Maharashtra to cover 5920 villages within 4 years. Through this programme, trainings were arranged on gender equality, gender sensitization, women's empowerment, social awareness, functional literacy, entrepreneurship and other related capacity-building aspects. MAVIM has been appointed as an implementing agency of the scheme and Rs.20.25 crores was sanctioned for the project as per GR No. MAVIM 2001/4/ KA/10 WCD Dept., dated 15.2.2003. The scheme is implemented in 33 districts directly by MAVIM Sahayogines and through NGOs appointed by MAVIM. At the end of March 2007, 20950 SHG groups were formed and 2,53,092 women were organised. Rs. 22.10 crores were saved by the women and they generated Rs. 34.33 crores of internal lending. They obtained bank loans of Rs. 16.89 crores. Under this project 56190 women started their own business.

NABARD ADD-ON PROJECT:- (2003-2005)

Under this project, MAVIM was to form 1000 SHGs in 10 districts and 15,000 women were to be organized. MAVIM was to be given a promotion grant of Rs. 1,880/- per SHG amounting to a total of Rs.1,88,000/- by NABARD. The period of this project is of 2 years during which it is expected that the emphasis will be primarily on establishing SHGs and making credit available to them. As suggested by NABARD the 10 districts selected are Parbhani, Jalna, Washim Latur, Beed, Hingoli, Nanded, Aurangabad Gondia and Kolhapur where the scheme is implemented. At the end of March 2007, 1773 SHG groups were formed and 21263 women were organised. Rs. 2.85 crores were saved by the SHG members and Rs. 5.39 crores were given as internal loans to members of the group. The women obtained loans of Rs.2.43 crores from banks. Under this project 4141 women started their own business.

Rashtriya Sam Vikas Yojana (RSY) :- (2003-2005)

The Rashtriya Sam Vikas Yojana of the Planning Commission is to be implemented in the districts Gadchiroli, Bhandara, Nandurbar, Gondia, Dhule and Chandrapur. MAVIM has been entrusted the task of setting up 1000 SHGs in 3 years (2003-2005) in each district. Components such as vocational training, revolving fund MIS have been included in this programme. It is also proposed that "MAVIM GHAR" should be build from this fund. At the end of March 2007, 2213 SHG groups were formed and 27159 women were organised in six districts. Rs. 1.99 crores were saved by SHGs and Rs. 3.29 crores were given as internal lending. Under this project, 6479 women started their own business.

Krushi Saptak Yojana:- (2003-2005)

The Krushi Saptak Yojana of the Agricultural Department is implemented by MAVIM in 4 districts i.e. Washim, Nanded Parbhani and Sangli. Under this project 25 SHGs are to be formed in each district and 250 women will be organised. The training imparted is on Agricultural skills, Animal husbandry, Dairy Development etc. The women trained in this field are to start activities related to agriculture which will help them to earn their own income. Qualified sahayoginis have been appointed by MAVIM in order to train the SHG women in agriculture related self employment activities. This scheme started in the year 2004-05. At the end of March 2007, 501 SHG groups were formed & 9441 women were organized. Rs. 49 Lacs were saved and Rs. 1.02 crores were given as internal lending and Rs. 44. Lacs bank loan obtained by women. Under this project, 2628 women started their own business.

Tribal Development Project (TSP):- (On going)

The Tribal Department sanctioned a Project to MAVIM to develop SHGs to be implemented in 8 districts i.e Nasik, Nandurbar, Thane, Chandrapur, Gadchiroli, Gondia, Amrawati and Yeotmal for the empowerment of Tribal Women. In this project 4600 SHGs are to be formed within 3 years. The village survey and selection has been started in 8 rural districts by March 2007. 2832 SHGs were formed and 33663 women were organised. Rs. 41.58 crores were saved by women and Rs. 2.01 crores was the internal lending and Rs. 1.58 crores Bank Loan obtained by women.

Ongoing Programmes :

A. Tejaswini Maharashtra Rural Women Empowerment Programme :

The problems due to upscaling of MAVIM’s programme began to surface in 2004 as a large number of groups were promoted by MAVIM under the Special Component Plan which envisaged the creation of 20,250 Groups of Scheduled Caste women and the Tribal Sub Plan which had the target of setting up 4,600 SHGs of tribal women. It became difficult to retain programme quality and manage the data pertaining to the large number of SHGs with only four field level officers in every district. The expansion in the number of village level SHG animators (Sahayoginis) also created the problem of ineffective supervision of these staff. MAVIM hence requested the state government to sanction a new project for setting up second tier people’s institutions to give more effective services to SHGs. The state government then approached IFAD with a proposal for a programme aimed at providing stability and sustainability to the SHG movement in the state. Thus, in 2007 the state government sanctioned a new programme for MAVIM supported by IFAD known as the “Tejaswini Maharashtra Rural Women Empowerment Programme”.

Area of operation of Tejaswini:

The Tejaswini programme will be implemented in all the 33 rural districts of the State and over 13,000 villages where MAVIM presently operates, supporting over 65,000 SHGs.

Targeting the Poor:

The target group for Tejaswini will be poor rural women especially from the Scheduled Castes and Scheduled Tribes, woman headed households, widows, deserted women, divorcees, landless laborers, AIDS affected women etc.

Thrust Areas:

The Tejaswini Programme will focus on the following thrust areas:

1 : Grass Roots Institution building

2 : Micro Finance Services

3 : Livelihood & Micro Enterprise development

4: Women Empowerment

Strategy for Tejaswini :

1. Grassroots Institution Building - Building “Community Managed Resource Centres “:

It is observed that SHGs require two levels of support in order to emerge as sustainable grass root institutions. The first level of support required is for the proper mobilization of SHGs with regular and appropriate books of accounts, an efficient MIS system and assistance to members to pursue a socio -economic development agenda. The second level of support is in the form of apex organisations that provide services related to capacity building training to SHG members, SHG quality checks, bank linkages and other required services. These second tier organisations need to be owned and managed by the SHGs themselves as primary organisations. Under the Tejaswini Programme, MAVIM has thus adopted the strategy of building second tier people’s institutions called Community Managed Resource Centers.

Structure of the CMRC:

The Community Managed Resource Centre (CMRC) is a federation of around 150-200 SHGs formed in a cluster of around twenty villages, within the radius of 20 to 25 k.m. All SHGs in the cluster, regardless of the agency that promoted them, will be eligible to become members and avail of the services of the CMRC. All SHGs will strive by means of training, regulation, adherence to SHG rules and implementation of entrepreneurial and socio-economic agenda to become ‘A’ Grade SHGs. The CMRC will be a registered organization and will work on a no profit no loss basis. It will not necessarily be at block level but can be established at any centrally situated village.

Governance in CMRCs :

The CMRC will be governed by a Board represented by one SHG representative from each village elected by the SHG village level committee, adopting the principle of rotational leadership. A CMRC covering twenty villages, will have a Board constituted with twenty members. The Chairperson, Vice Chairperson, Treasurer and other office Bearers will be appointed by the Board members by election from amongst themselves. The CMRC will operate by means of sub committees on various issues such as Training, Audit of SHG Accounts, Health Services, Sanitation and Water Supply, Drudgery Reduction initiatives for women, Gender and Panchayati Raj etc It will have a strong professional managerial support seconded by MAVIM in the shape of a CMRC Manager and an Accountant as well as field workers (Sahayoginies). Each Sahayogini will have around five to seven villages and provide support to around forty SHGs. The CMRC Manager will be the Member Secretary of the institution, whereas MAVIM’s District Coordinating Officer, will be an advisor to the CMRC.

Role of CMRC :

The CMRC will function with a comprehensive and holistic agenda for area development. The overall role of the CMRC will be to provide the basic primary services to SHGs, that is - capacity building training to members, bank linkages, gradation, audit of SHGs. The CMRC will also provide specialized services to SHGs such as assessing the livelihood needs of SHGs, tapping the required resources through convergence with various government schemes and services and enabling the SHGs to access them and take up community development programmes.

Fees and Service charges of the CMRC :

The services of the CMRCs will be paid for by the SHGs in the shape of monthly charges. There will be a standard list of services included in the general monthly service charge, as well as charges for special services and rates to be charged for non members.

MAVIM will be supporting CMRCs for the first few years of the project period on a reducing scale. Thus the SHGs will make a contribution to the running of the CMRC right from the very beginning. CMRCs should strive to become self reliant from the fourth year of their establishment

2. Micro Finance Services :

Expanding women's economic opportunities and increasing the income they control, results in their increased status within the family, greater economy efficiency, improved child health and nutrition, and reduced poverty. Facilitating women's access to credit through micro-finance activities based on self-help groups has proven successful in generating additional income, jobs and small enterprise.

The programme will improve the access of need-based financial services to poor women by creating more choices, building the credibility of the poor women and creating history for them through self help groups and by sensitising the formal financial institutions to the needs of the poor.

3. Women Empowerment and Social Equity :

The Tejaswini Rural Women's Empowerment Programmes has emphasized on poor/ultra poor women's social, political and economic empowerment. And similarly concentration is given on women's individual and collective progress through SHGs. As this project has adopted holistic approach, it facilitates women empowerment through changing her views about herself as well as transforming attitudes of other social institutions that have shown their opposition and created barriers for women development. It is important to develop the inner strength, control over resources and participation in decision making of women. However, the focus of this programme is not only on women but it also includes men, social institutions and other stakeholders to creat an enabling environment for the process of women's empowerment.

The programme aims to change the attitude and perception of the men which shall increase their responsibilities towards the domestic work, child caring, farming and business activities.

Women Empowerment and Social Equity component has been divided 3 sections

1. Gender Integration

2. Creating Enabling Environments

3. Enhancing women's capacity

4. Livelihood And Micro Enterprise Development :

Tejaswini project places a greater emphasis on the development of livelihoods with a belief that , improved livelihoods are needed if poor are really to get out of poverty. The project therefore has a strong livelihood support componant that aims to support the establishment of new enterprises and expension of existing enterprises. These will include individual household enterprises as well as group and cluster businesses.

Agriculture is now the major source of livelihood. Livelihood support therefore emphasizes more on agricultural activities (Crops, horticulture, livestock,fish etc.) but nonfarm enterprises are also to be coverd according to the potential of the area and demand of group members. The programme also supports the development of market linkages and marketing through the BDS sub component. The project has settingup 6 BDS Centers in different regions, initially as outsourced entities to be there for strengthening livelihood component by inword flow of market information and business development support. 6 BDS centers at regional level have been setup at Bhandara, Washim, Pune,Latur, Ratnagiri and Nashik to provide business development services to SHGs. MAVIM has appointed required staff like BDS managers, Business promoters, BDS Assistants and peons.

B. ACC Ltd. assisted “ Women Empowerment Programme" :

ACC limited is a renowned company in the cement manufacturing business. As a part of its Corporate Social Responsibility Policy, ACC is keen on undertaking various development projects in selected villages near its Cement manufacturing units in various parts of India. Hence ACC ltd assisted “ Women Empowerment Programme” has been initiated and MAVIM has made a partnership agreement with ACC Ltd. It is eight years project and will implement in Chandrapur and Yeotmal districts. It will implement in 30 villages around ACC area. All the poor families of the villages will be cover in the programme. The identification of the poor will be done by MAVIM’s 14 point survey form.

The programme will focus on four major components i.e.

a : Grass root Institution Building
b : Women Empowerment & Social Equity
c : Micro Finance Services
d : Livelihood & Micro Enterprise Development

The programme will focus Formation of new SHGs and nurting the existing SHGs of the villages. Major focus will be given on institution building of women by providing capacity building of SHG members and leadership development. Also women will be addressed on sensitive topics like gender integration & gender sensitization , drudgery reduction of women providing trainings. Social awareness camps health camps etc. Specific activities will be concentrated in order to give an opportunity to women to live a qualitative life. Focus on Enterpreneurship Awareness and development to enhance & ungrade the skills & providing marketing ties up. So that impact can be observed.

Under the Tejaswini Programme, MAVIM has thus adopted the strategy of building second tier people’s institutions called Community Managed Resource Centers. In this programme also “ Community Managed Resource Centre” will be developed at block level. The CMRC will be a registered organization and will work on a no profit no loss basis. It will not necessarily be at block level but can be established at any centrally situated village.

C . UNFPA Assisted “ Capacity Building For Increasing Demand For Reproductive Health Services" :

MAVIM is the State Women’s Development Corporation of Maharashtra and is working in across Maharashtra. MAVIM has covered 13000 villages and covering a population of seven lakhs women of Self Help Groups. MAVIM has its offices in every district comprising of four professional officers, support staff and Sahayoginies. Each Sahayoginies look after 40-50 SHGs covering around 20 villages .

The Sahayogini is the backbone of the entire SHG movement in the state. MAVIM thus gives a lot of importance to the training and capacity building of Sahayoginies on various development issues, so that they can in addition to the economic aspect orient and build capacities of SHG members on development issues. Hence major focus of the project will be on –

Capacity building of a group of master trainers ( Sahayogini and AMO)

Orientation and capacity building of Sahayoginies.
Capacity building of SHG members to seek quality health services.

Supported by United Nations Fund For Population Activities ( UNFPA ) , MAVIM intends to organize training of the sahayoginis for improving their knowledge, attitudes and health seeking behavior concerning their reproductive health so that they could help the members of SHGs in these aspects. If these women are addressed and their knowledge , attitude and health seeking behavior is increased they could be educating the other women in the community. It is three years programme and will implement in across Maharashtra.

D. Minority Women Empowerment Programme :-

Mahila Arthik Vikas Mahamandal is the State Women Development Corporation , declared as a Nodal agency to implement women development programmes in Maharashtra. With the successful experience of implementing IFAD assisted MRCP programme , MAVIM has taken up various women empowerment programme through SHG building i.e. SGSY , Swayamsiddha , TSP , SCP NABARD ADD ON, Rashtriya Sam Vikas Yojana which are supported by Central Government as well as State Government.

MAVIM is working in the field of women empowerment since last fifteen years. We have succeeded in bringing about the poor women in the main stream of the society/ community. The task of developing women have been successfully implemented through the effective strategy of forming Self Help Groups. MAVIM have catered towards the backward class population of Schedule Caste and Schedule Tribe community. Looking at the current strata of the Muslim community there is lack of awareness and facility in the field of health, hygiene and education. The women from this community is much more behind the level of empowerment . As this community is still in the era of “Bhurka” system. Women don’t have the right to expression. Therefore it is necessary to cater towards this population and give them proper handholding support, organize them together, train and motivate them to become independent and self sufficient. MAVIM had submitted a proposal to Maharashtra State Minorities Commission, Mumbai and it is sanctioned by them.

Thus to achieve above objective MAVIM has taken a project called “ Minorities Women Empowerment Programme “ for the selected pockets of Mumbai and eight districts of Maharashtra i.e. Malegaon, Karanja, Bhiwandi, Nanded , Parbhani , Aurangabad etc.

MAVIM will implement this programme through NGO. One NGO will be formed 200 SHGs in muslim pockets and this women will be provided with basic trainings input , functional literacy training programe, Gender sensitization awareness, Enterpreneurship awareness programme, Enterpreneurship Development Programme, village level committee, and CMRC concept etc. This activities lead to the empowerment of village women and they will become self sufficient

The programme will focus on four major components i.e.

Grass root Institution Building
Women Empowerment & Social Equity
Micro Finance Services
Livelihood & Micro Enterprise Development

E. 4% Low interest rate scheme :

Providing subsidized loan to women SHGs in the State:-

SHG movement has spread to a wider scale in the state of Mahrashtra from last decade. However the linkage of SHGs with banks, amount of bank loan by banks and heavy interest charges on SHG loan are the key challenges before the movement. Taking this into account, Government of Maharashtra has launched a scheme of " Providing subsidized loan to women SHGs in the State"( vide G.R. Number MAVIM 2008/PK 130/Desk 10 dt.8.10.08).MAVIM has been declared as a Nodal Agency to implement this scheme in the state.

The scheme is applicable to the non subsidized women SHGs formed by MAVIM and NABARD (under the schemes sponsored by NABRAD). The scheme is to promote the timely repayment habits amongst the SHGs Hence it do not provide upfront subsidy to SHGs. The SHGs once linked to bank under this scheme needs to pay the bank loan (principal +interest) every month and the interest subsidy up to 7% is debited in the SHG accounts at the interval of every six months. As per the design of the scheme the SHGs need to pay the interest @ minimum 4% at least. Thus the interest subsidy benefit is ultimately linked to the repayment performance by the SHGs which is a key factor.

MAVIM has taken up steps to sensitize bankers over the issues such as increasing the loan volume per SHG and as a result of this, State Bank Of India has increased the first dose of SHG linkage up to Rs 50000, second up to Rs.1.00 lakhs and third up to RS.5.00 lakhs which is a positive change at policy level. (Vide circular no RBU/MF-27/NGO MEETS/304 dt 19.03.2010)

स्वयंसहाय्य बचत गट संकल्‍पनेवर आधारित कार्यक्रम -
बचत गटाचा मुख्‍य भर संघटन करण्‍यावर आहे व सक्षमीकरणाच्‍या प्रक्रियेत संघटन हे अत्‍यंत महत्‍त्‍वाचे � रते आणि स्वयंसहाय्य बचत गट हे संघटनाचे उत्‍तम माध्‍यम आहे.

सर्वसाधारण 15 ते 20 महिलांचा समुह जो बचतीच्‍या निमित्‍ताने एकत्र येतो व जो समान रक्‍कम बचत म्‍हणून जमा करतो व त्‍यांचा विनियोग सर्वांसा� ी लोकशाही मार्गाने करतो. यामध्‍ये बचतीमधून गटातील गरजू सभासदांना कर्ज दिले जाते व पुढे हा देवाण घेवाण व्‍यवहार चालू राहतो. बचत व कर्ज यासोबत गट विविध कार्यक्रमाचे आयोजन करणे, प्रशिक्षण घेणे या सारख्‍या गोष्‍टी करत असतो. गटाच्‍या कामकाजाची जबाबदारी संघटीका व सहसंघटीका घेत असतात व गटाने � रविलेल्‍या नियमाप्रमाणे गट पुढील वाटचाल करीत असतो. गटातील महिला बचतीसोबत आर्थिक उत्‍पन्‍न वाढविण्‍याच्‍या दृष्‍टीने छोटे-मो� े उद्योग व्‍यवसाय हाती घेत असतात. यांस सर्वसाधारणपणे आपण बचत गट म्‍हणतो. स्वयंसहाय्य बचत गट हे केवळ आर्थिक व्‍यवहारापुरतेच मर्यादित नसतात, तर महिलांचा गटाचा, समाजाचा व पर्यायाने गावाचा विकास साधणे हे सुध्‍दा बचत गटाचे अंग झालेले आहे.

परावलंबनामधून स्‍वालंबनाकडे, स्‍वावलंबनाकडून परस्‍परावलंबनाकडे जाण्‍यासा� ी स्‍वेच्‍छेने सामुदायिकपणे बचतीच्‍या निमित्‍ताने केलेला प्रवास म्‍हणजे स्‍वयंसहायय बचत गट होय.

माविम केंद्र व राज्‍य शासनाच्‍या स्‍वयंसहायय बचत गटावर आधारीत विविध योजनांची अंमलबजावणी माविम करीत असून, फेब्रुवारी 2010 अखेर माविम महाराष्‍ट्रातील एकूण 332 तालुक्‍यातील 13000 गावांमध्‍ये पोहोचले आहे. 55243 स्‍वयंसहायय बचत गटाच्‍या माध्‍यमातून 06.29 लाख महिलांचे संघटन तयार झालेले आहे. सदर महिलांची एकूण बचत रु.120.04 कोटी असून, अंतर्गत कर्जाची रक्‍कम रु.348.12 कोटी इतकी असून, विविध बॅन्‍कांमार्फत या स्वयंसहाय्य बचत गटांना रु.251.87 कोटीचे कर्ज प्राप्‍त झाले आहे. विविध योजनांतर्गत स्‍थापित स्वयंसहाय्य बचत गटांचे सहयोगिनीच्‍या माध्‍यमातून संवर्धन करण्‍यात येते व त्‍याचबरोबर महिला सक्षमीकरणाच्‍या अनुषंगाने सर्व घटकांवर आधारीत प्रशिक्षण देण्‍यात येते. माविमच्‍या जिल्‍हा कार्यालयामार्फत स्वयंसहाय्य बचत गटांवर आधारीत खालील योजना राबविण्‍यात आल्‍या.

विषेष घटक योजना(रमाई महिला सक्षमीकरण योजना ) -

महाराष्‍ट्र शासनाच्‍या सामाजिक न्‍याय विभागाव्‍दारे अनुसूचित जातीतील महिलांचे 20250 स्वयंसहाय्य बचत गट सन 2003 ते 2006 या कालावधीत तयार करण्‍याची जबाबदारी माविमला देण्‍यात आली होती.

प्रकल्‍पाच्‍या तीन वर्षाच्‍या कालावधीत दारिद्रय रेषेखालील मागासवर्गीय महिलांना स्वयंसहाय्य बचत गटाच्‍या माध्‍यमयातून संघटीत करण्‍याबरोबरच, लिंग समभाव संचेतना, कार्यात्‍मक साक्षरता, उद्योजकता, सामाजिक जाणीव जागृती या विविध घटकांच्‍या अनुषंगाने क्षमतावृध्‍दीपर प्रशिक्षण महिलांना देण्‍यात आले.

महिलांचे आर्थिक जीवनमान उंचावण्‍याबरोबरच सामाजिक दृष्‍टीकोनातून देखील महिलांचे स्‍थान उंचवावे या दृष्‍टीने या प्रकल्‍पामध्‍ये विशेष भर देण्‍यात आलेला आहे.

या योजनेची अंमलबजावणी सन 2003 पासून संपूर्ण महाराष्‍ट्रामध्‍ये एकूण 430 तालुक्‍यांमध्‍ये, 8883 गावांमध्‍ये माविम जिल्‍हा कार्यालय व माविमने करारबध्‍द केलेल्‍या स्‍वयंसेवी संस्‍थांमार्फत करण्‍यात आलेली आहे.

सदर योजनेअंतर्गत मार्च 2007 अखेर एकूण 20950 गटांची निर्मिती करण्‍यात आलेली आहे.

आदिवासी विकास प्रकल्‍प -

महाराष्‍ट्र शासनाच्‍या आदिवासी विकास विभागाव्‍दारे Tribal sub plan अंतर्गत अनुसूचित जमातीतील महिलांचे 4600 स्वयंसहाय्य बचत गट तयार करण्‍याचे काम 74 तालुक्‍यांमध्‍ये व 105 गावांमध्‍ये माविमला देण्‍यात आले होते.

सदर योजना ही � ाणे, नाशिक, नंदूरबार, चंद्रपूर, गडचिरोली, गोंदिया, अमरावती व यवतमाळ या आदिवासी 08 जिल्‍हयांमध्‍ये राबविण्‍यांत येत आहे.सदर योजना ही सन 2004 पासून राबविण्‍यास सुरुवात करण्‍यात आलेली आहे. सदर योजनेअंतर्गत मार्च 2007 अखेरपर्यंत एकूण 2832 गटांची निर्मिती करण्‍यात आलेली असून, उर्वरित 1768 एवढया गटांची निमिर्ती मार्च 2009 अखेरपर्यंत करण्‍यात येणार आहे.

या योजनेच्‍या दूस-या टप्‍प्‍यामध्‍ये एकूण 1500 गट तयार करण्‍याचे लक्ष्‍य घेण्‍यांत आलेले आहे.

स्‍वर्णजयंती ग्राम स्‍वरोजगार योजना -

स्‍वर्णजयंती ग्राम स्‍वरोजगार योजना(एस.जी.एस.वाय.) ही केंद्र शासनाची ग्राम विकास विभागांतर्गत जिल्‍हा ग्रामीण विकास यंत्रणेमार्फत राबविण्‍यात येणारी योजना असून दारिद्रय निर्मुलनाच्‍या उद्देशाने कार्यरत आहे.

सदर योजनेची सुरुवात ग्राम विकास विभागातर्फे 1999 मध्‍ये झालेली असून, माविमने या योजनेची अंमलबजावणी सन 2001 मध्‍ये � ाणे जिल्‍हयामधून केलेली आहे.

एकूण 31 ग्रामीण जिल्‍हयांमधील 4625 गावांत सदर येाजना माविमतर्फे राबविण्‍यात आली.

या योजनेचा निधी जिल्‍हयांना जिल्‍हा ग्रामीण विकास यंत्रणेमार्फत प्रत्‍यक्ष अदा करण्‍यांत येतो.

स्‍वयंसिध्‍दा -

केंद्र शासन पुरस्‍कृत इंदिरा महिला योजना सन 1994 मध्‍ये राबविण्‍यास सुरुवात करण्‍यात आली. सदरच्‍या योजनेमध्‍ये महिलांचे स्वयंसहाय्य बचत गट तयार करुन गावात सर्व योजनांखाली तयार झालेल्‍या गटांचे इंदिरा महिला केंद्र व तालुक्‍यातील सर्व इंदिरा महिला केंद्रांचे एकत्रीकरण करुन इंदिरा ब्‍लॉक सोसायटी तयार करणे अभिप्रेत होते. पुढे जाऊन इंदिरा महिला योजना व महिला समृध्‍दी योजना यांचे एकत्रीकरण करुन स्‍वयंसिध्‍दा ही सुधारीत योजना सन 2001-2002 पासून पाच वर्षाकरीता सुरु करण्‍यात आलेली आहे.

स्‍वयंसिध्‍दा योजना महाराष्‍ट्रातील 19 जिल्‍हयांतील 36 तालुक्‍यांमध्‍ये (21 जुने इंदिरा महिला योजनेतील तालुके व 15 नवीन तालुके) राबविण्‍यात आल्‍या.

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