Social Mobilisation & Institution BuildingUniversal Social Mobilization through formation of SHGs under WBSRLM. This will ensure that at least one member of each rural BPL household, preferably a woman member of the household, is brought under the Self Help Group (SHG) net. There will be focus on the most vulnerable households SC/ST, single women, minorities, persons with disabilities, etc.

With a view to form strong Peoples Institutions, WBSRLM will focus on setting up of federations of SHGs from village panchayat to district levels. In addition, other grassroots organizations such as livelihoods groups, producer companies, etc. would be encouraged.


Financial Inclusion

The goal of universal financial will be furthered not only through opening accounts of all beneficiaries but also securing credit for them from banking sector. Building and nurturing SHGs, enabling them to access finance from financial institutions will enabling them to:

    • Come out the high cost debt trap (debt swapping)
    • Meet their consumption needs food, health, education, etc.
    • Acquire assets for income generation


Livelihood Development

Poor have multiple livelihoods as a coping mechanism for survival. Their existing major livelihoods are: wage labour, small and marginal holding cultivation, cattle rearing, forest produce, fishing, and traditional non-farm occupations. The net incomes and employment days from the current livelihoods are not adequate to meet their expenditures. ANANDADHARA would look at the entire portfolio of livelihoods of each poor household, and work towards stabilizing and enhancing the existing livelihoods and subsequently diversifying their livelihoods.



ANANDADHARA will ensure that partnerships are developed with major government programmes and address different dimensions of poverty and deprivation.

Focus would be on:

  • Entitlements – PDS, MGNREGS, social security, Right to Education.
  • Improving quality of life – health and nutrition, clean drinking water, sanitation, permanent housing, electricity etc.
  • Enhancing capabilities – elementary education, vocational, technical education, skills enhancement etc.
  • Creating livelihoods opportunities – institutional finance, agriculture, animal husbandry, watersheds, MSME development, food processing etc.
  • Physical infrastructure schemes – roads, electricity, telecommunications etc.

Skill Development

ANANDADHARA would scale up the existing skill and placement projects through partnership mode as one of the best investments in youth, and provide impetus to livelihoods opportunities in emerging markets. For strengthening this, various models of partnerships with public, private, non-government and community organizations would be developed. A strong relationship would also be developed with industry associations and sector specific employers’ associations. National Skill Development Corporation (NSDC) would be one of the leading partners in this effort. 15% of the central allocation under ANANDADHARA is earmarked for this purpose.

Marketing & Haats

ANANDADHARA would seek to ensure that the infrastructure needs for the major livelihoods activities of the poor are met with. It would also provide support for marketing to the institutions of the poor. The range of activities in marketing support includes market research, market intelligence, and technology extension, developing backward and forward linkages, building livelihoods collectives and supporting their business plans. ANANDADHARA would encourage and support partnerships with public and private organizations and their networks/associations for these activities, particularly for market linkages. Rural Haats would also be encouraged to directly link producer groups (SHGs) and individual producers with urban and peri-urban markets through a well-developed system of continuous identification and rotation of beneficiaries. Other state level haats are being planned to provide a national as well as international level market exposure for the products of the SHGs.

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