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Government Policies Essay

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Government policies for Promoting NGOs for marketing the different product manufactured by SHG

Financial Support
There are many institutions and schemes providing financial support to the artisan groups in India. Scroll down for information about some of them. NABARD
National Bank for Agricultural and Rural Development (NABARD) is an apex Development Bank with a mandate for facilitating credit flow for promotion and development of activities including handicrafts and other rural crafts. NABARD facilitates marketing of artisan products by promoting them within NABARD and among other agencies, capacity building of artisans and entrepreneurs in marketing aspects, buyer seller meets, exposure visits and organisation of exhibitions etc.

With the objective of providing the rural artisans and entrepreneurs access to urban and upcountry markets, products of few artisans supported by NABARD under its various promotional programmes are displayed along with the contact addresses Refinance Schemes

Rural Non Farm Sector Schemes
Rural Non Farm Sector (RNFS) holds the key to faster economic development of the country. It holds the potential and promise for generating employment and increased income in the rural areas. NABARD has, therefore, adopted RNFS as one of its thrust areas and has been promoting this sector through multi-pronged strategies. The strategies include: • Facilitating enhanced credit flow to the sector

• Promotion of RNFS activities by way of capacity building of various stakeholders • Enhancing credit absorption capacity
• Promoting Rural Innovations in the Farm, Non-Farm and Micro Finance Sectors and replications of successful models, approaches NABARD has evolved several refinance and promotional schemes over the years for the purpose and has been making constant efforts to liberalise, broad base and refine/ rationalise the schemes in response to the field level needs. The focus has been on greater credit flow and provision of linkages for small, cottage and village industries, handicrafts and other rural crafts in the decentralised sector in the rural areas. Refinance assistance for Non Farm Sector

NABARD provides refinance facilities to Commercial Banks (CBs), Regional Rural Banks (RRBs), State Co-operative Banks (SCBs), State Co-operative Agriculture and Rural Development Banks (SCARDBs), Scheduled Primary Urban Co-operative Banks and Non-Banking Finance Companies (NBFCs) to enable them to support the activities of small, tiny, cottage and village industries, handicrafts and other rural crafts in rural areas. Refinance is also provided for promotional and infrastructural support activities conducive to the development of tiny rural industries. NABARD refinance is available for setting up of new units and for modernisation/ renovation/ expansion/ diversification of existing units. Over a period of time, a number of schemes have been evolved and suitably modified from time to time. Currently they are classified as follows: A. Automatic Refinance Schemes

i. Enterprise Loan Scheme (ELS)
ii. Small Road and Water Transport Operators (SRWTO) Scheme iii. Soft Loan Assistance for Margin Money Scheme
iv. Rural Housing Scheme
B. Schemes under pre-sanction procedure
Automatic Refinance Facility (ARF)

Automatic Refinance Facility was introduced to enable the banks to obtain financial accommodation from NABARD up to certain limits, without going through the detailed pre-sanction formalities. Banks will appraise the proposals received, sanction and disburse loans for individual projects. Refinance is released to the bank...

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