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IKP - CIF
 

Community Investment Fund (CIF)                                                                  

 The objective of the RPRP programme is to promote livelihoods and quality of life of the poor through their institutions. In the entire state, financial support to promote the livelihoods of the poor is based on micro credit planning by the S.H.Gs. Those project mandals, where UNDP-SAPAP project has enabled the S.H.Gs to implement micro-planning process successfully, have been the source of inspiration in scaling up and universalizing this process across the state. A comprehensive micro-planning model has been designed and is being implemented across the state for delivering the community investment fund (C.I.F) under the project. The same process has also been very handy in mobilizing bank credit for SHGs. In the micro credit planning process there is a clear role and clear terms of partnership for S.H.Gs, V.Os and M.Ss. The micro credit plans of members are formulated at the S.H.G level, appraised by the V.O. The consolidated micro credit plan of the V.O is appraised by the M.S and approved by them for financing. Where it is a case of S.H.G accessing bank finance, the micro credit plans of the S.H.G are presented to the bank. The same process is adapted for designing programs for improving the quality of life of the poor.  Various activities like dairy, health, gender, legal aid, sustainable agriculture, etc identified for promoting livelihoods and quality of life of the poor are implemented by communities themselves. Implementation of these activities demands not only the investment but also the capacity from the institutions. Therefore, budget requirement for these activities are drawn from both IHCB and Community Investment Activities. Capacity building activities and related budget are described along with investment plans in one chapter only. 

 1. Community Investment Fund (CIF) Implementation Process

 CIF has provided resources mostly for implementing Micro Credit Plans (MCPs) of SHGs and marketing and food security initiatives of VOs. It has also funded for social development and creation of productive physical infrastructure. However, there is a dedicated CIF for land purchase and development, and disability initiatives.

 In the interest of empowerment and creating self managed institutions, MSs were allowed to manage their funds (Each MS in DPIP districts is entitled for Rs 97.50 lakhs and in RPRP districts for Rs 76.50 lakhs. However, MSs in TPMU areas are entitled for 50% more than that of the MSs in plain areas. Non-project MSs are also being capitalized by SGSY funds in a similar fashion). Therefore, a few policies related to the delivery of CIF had been recast to implement MCPs and achieve self management goal of MSs.  They were as follows:

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