Unit Cost:
NSTFDC provides Term Loan for viable Scheme(s)/ Project(s) costing upto Rs.10.00 lakh per unit/ profit centre.
Quantum of Assistance:
NSTFDC provides Term Loan upto 90% of the cost of Scheme(s)/ Project(s) subject to the condition that the SCAs contribute their share of loan as per the scheme and provide eligible subsidy. The SCAs may endeavour to tie up financial assistance from other sources if any.
Working Capital:
Entire Working requirement is treated as a part of the project cost for scheme(s) having cost upto Rs. 1.00 lakh.
For Scheme(s) /Project (s) having unit cost above Re.1.00 lakh Working Capital requirement upto 30% of the cost of Scheme (s) /Project (s) subject to a maximum of Rs. 3.00 lakhs per unit/profit centre is considered as part of the cost of project.
Promoter’s Contribution:
Cost per Unit/ Profit Centre Minimum Promoter’s Contribution (as %age of cost of project)
Interest Rates:
Amount of Loan Interest per Annum
Per Unit/Profit Centre Chargeable To**
(NSTFDC’S SHARE) SCAs Beneficiary (ies)
a) Upto Rs.5.00 lakh : 3% - 6%
b) Above Rs.5.00 lakh : 5% - 8%
** The above rates of interest are not on slab basis
Repayment Period:
(a) The loan is to be repaid in quarterly/ half yearly installments as the case may be within a maximum period of 10 years including suitable moratorium period.
(b) The repayment period of the scheme is fixed by NSTFDC based on nature of activity and cash generating capacity of unit.
(c) SCAs are allowed extra repayment period of one year over and above the repayment period allowed to the beneficiaries.
Unit Cost
Bridge loan may be provided by the NSTFDC against subsidy/capital incentives etc available for the Scheme(s)/Project(s) through the SCAs to meet the gap in funding requirement of Scheme(s)/ Project (s) costing upto Rs. 10.00 lakhs per unit/ profit centre.
Interest Rates
Interest rate on bridge loan are at par with rates of interest for term loan as at A (v) above.
Repayment Period
The SCA is to ensure that loan is repaid to NSTFDC within a maximum period of 2 years from the date of first release of Bridge Loan by NSTFDC to SCA.
Adivasi Mahila Sashaktikaran Yojana
An exclusive concessional scheme for the economic development of eligible Scheduled Tribe Women.
Unit Cost
NSTFDC provides Term Loan for Scheme(s)/Project(s) costing upto Rs. 50000/- per unit/profit centre.
Quantum of Assistance
NSTFDC provides term loan upto 90% of the cost of the Scheme(s)/ Project(s) subject to the condition that the SCAs contribute their share of loan as per their scheme and provide the eligible subsidy. The SCAs may endeavor to tie-up financial assistance from other sources if any.
Promoter’s Contribution
Minimum promoter's contribution may not to be insisted upon.
Interest Rate
NSTFDC charges highly concessional interest @ 2% p.a. from the SCAs. The SCAs may charge a maximum interest @ 4% p.a. from the ultimate women beneficiaries.
Repayment Period
(a) The loan is to be repaid in quarterly/ half yearly instalments as the case may be within a maximum period of 10 years including suitable moratorium period.
(b) The repayment period of the scheme is fixed by NSTFDC based on nature of activity and cash generating capacity of unit.
(c) SCAs are allowed extra repayment period of one year over and above the repayment period allowed to the beneficiaries.
Unit Cost:
NSTFDC provides financial assistane for Scheme(s)/ Project(s) having unit cost upto Rs. 25.00 lakh per SHG.
Quantum of Assistance:
NSTFDC provides term loan upto 90% of the cost of the Scheme/Project subject to investment per member not exceeding Rs. 50000/- per unit.
This is further subject to the condition that the Channelising Agencies (SCAs) contribute their share of loan as per their norms and arrange/provide the eligible subsidy. The SCAs may also endeavour to tie up financial assistance from other sources if any.
Working Capital:
Upto 30% of the cost of the scheme/ project is considered as part of the cost of project/scheme.
Minimum Contribution from SHG's: At the rate of 10% of the cost of the project/ scheme.
Interest Rate:
NSTFDC shall charge interest @ 5% per annum (on NSTFDC’s share) from the SCAs and in turn SCAs may charge upto 8% p.a. from the SHGs.
New/ Existing Profit Making SHG's: SHGs shall be extended the financial assistance for the viable unit(s) by NSTFDC through the SCAs subject to fulfilling the primary condition of income limit for ST members.
Note: The other lending norms as applicable under Term Loan scheme having unit cost upto Rs. 10.00 lakh shall also be applicable for funding to SHGs.
This Scheme is meant to provide small loans to the eligible Scheduled Tribes for undertaking Self Employment Ventures/Activities only through the existing profit making Self Help Groups.
Quantum of Assistance:
Repeat Loans: Repeat Loans may be given to the Members by the SHGs. However Repeat Loan to the SHGs by the SCAs shall be given only after the entire dues of earlier loan taken under NSTFDC scheme are repaid by the SHG(s) to SCA(s) and in turn by the SCA(s) to NSTFDC.
Interest rates:
REPAYMENT PERIOD:
To extend loan at concessional rate of interest to the eligible Scheduled Tribe candidates for pursuing professional / technical courses including Ph.D. in India.
Eligibility Criteria
Courses Covered
Expenses Considered For Loan
Govt. of India has enacted the Scheduled Tribes and other Traditional Forest Dwellers (Recognition of Forest Rights) Act, 2006. Under this act, Scheduled Tribes and other Traditional Forest Dwellers have been given the right to hold the forest land for habitation and/ or for self-cultivation or for any other traditional activity for generating livelihood.
The objective of the Tribal Forest Dwellers Empowerment Scheme is to generate awareness, provide training to beneficiaries, give NSTFDC’s concessional financial assistance, assist in market linkage, etc. to the Scheduled Tribes Forest Dwellers for facilitating productive utilisation of land.
A Scheduled Tribe, who has received land right under the Forest Rights Act, 2006 is eligible for availing financial assistance under this scheme.
Indicative Activities
Minor irrigation | Vermi Compost | Sericulture/ Bee keeping |
High yielding variety seeds | Medicinal/ Ornamental Plants | Floriculture |
Horticulture | Poultry | Goat/ sheep rearing |
Rubber plantation | Piggery | Fruit Orchards |
Betel Nut Cultivation | Dairy | Minor Forest Produce |
Tribals constitute 8.61% of the total population of the country, numbering 104.28 million (2011 Census) and cover about 15% of the country’s area. The fact that tribal people need special attention can be observed from their low social, economic and participatory indicators. Whether it is maternal and child mortality, size of agricultural holdings or access to drinking water and electricity, tribal communities lag far behind the general population.
These indicators underline the importance of the need of livelihood generating activities based on locally available resources so that gainful employment opportunities could be created at the doorstep of tribal people. Recognizing this need for initiating such livelihood generating activities in a sustained and focused manner, the Ministry of Welfare (now Ministry of Tribal Affairs) established an organization to take up marketing development activities for Non Timber forest produce (NTFP) on which a tribal spends most of his time and derives a major portion of his/her income. In 1987, the Tribal Cooperative Marketing Development Federation of India Limited (TRIFED) was set up with an aim to serve the interest of the tribal community and work for their socio-economic development by conducting its affairs in a professional, democratic and autonomous manner for undertaking marketing of tribal products.
Further to achieve the aim of accelerating the economic development of tribal people by providing wider exposure to their art and crafts, TRIBES INDIA, the exclusive shops of tribal artifacts were set up all over India by TRIFED. They showcase and market the art and craft items produced by the tribal people and thus demonstrate the magical mystique of tribal India espousing tribal cause.
The Roadmap of 12th plan period from (2012-13 to 2017-18) assigns the following four main activities to TRIFED:-
Retail Marketing Development :
The activity of marketing development of tribal products envisages TRIFED’s role as a facilitator, service provider and market developer. This involves exploring marketing possibilities in national as well as international markets, creating opportunities for marketing tribal products on a sustainable basis, creating a brand and skill upgradation & capacity building of the tribals. The ultimate objective of TRIFED is socio-economic development of tribal people in the country by way of marketing development of the tribal products on which the lives of tribals depend. In order to achieve its objective, TRIFED is marketing tribal products through its 37 own showrooms by the name of “Tribes India” Outlets and 7 consignment showrooms in association with State level Organisations promoting handicrafts.
TRIFED has been undertaking sourcing of various handicraft, handloom and natural & food products from individual tribal artisans, tribal SHGs, Organisations/Agencies/NGOs working with tribals. The same is being sold through its Outlets and Exhibitions.
Besides participating in various domestic exhibitions across the country, TRIFED also participates in international exhibitions/trade fairs through Export Promotion Council For Handicrafts (EPCH) and India Trade Promotion Organisation (ITPO) in various countries for promotion of tribal products. During the current year TRIFED participated in two International Exhibitions i.e., Import Shop Berlin, Germany and AFL, Milan, Italy.
Minor Forest Produce Marketing Development:
Timated 100 Million people derive their source of livelihood from the collection and marketing of MFP (Report of the National Committee on Forest Rights Act, 2011). The importance of MFPs for this section of the society can be gauged from the facts that around 100 million forest dwellers depend on MFPs for food, shelter, medicines and cash income. It is important for them for food, shelter medicines and case income beside providing critical subsistence during the lean seasons, particularly for primitive tribal groups such as hunter gatherers, and the landless. Tribals derive 20-40% of their annual income from MFP on which they spend major portion of their time. This activity has strong linkage to women’s financial empowerment as most of the MFPs are collected and used/sold by women. MFP sector has the potential to create about 10 million workdays annually in the country.
Minimum Support Price (MSP) FOR MFPs:
Govt. of India has taken a number of initiatives for socio economic development of tribals and recognizing the critical importance which MFP hold for tribals and its potential to create large scale employment opportunity thereby, helping in reducing poverty and increasing empowerment of tribals particularly women and poor people of the poorest and backward districts of the country, Govt. of India has decided to introduce an ambitious scheme of providing fair price for the MFP collected by tribals through Minimum Support price (MSP). The scheme has been started with the objective of providing fair returns to MFP gatherers, enhance their income level and ensure sustainable harvesting of MFPs. The MSP scheme seeks to establish a framework to ensure fair prices for the produce collected by tribals, assurance of buying at a particular price, primary processing, storage, transportation etc while ensuring sustainability of the resource base. The scheme envisages fixation of MSP for the following items, procurement and marketing operation of which shall be undertaken by State procurement agencies at the pre fixed MSP.
(i) Tendu, (ii) Bamboo, (iii) Mahuwa Seed, (iv) Sal Leaf (v) Sal Seed, (vi) Lac (vii) Chironjee (viii) Wild Honey (ix) Myrobalan, (x) Tamarind (xi) Gums (Gum Karaya) (xii) Karanj.
Any de-nationalised MFP / items removed from the purview of monopoly procurement in future will also qualify for coverage under the Scheme. Similarly any nationalized/ monopolized procurement MFP will disqualify for coverage under the Scheme. Mahuwa Flower which is for self consumption by the tribals will also be excluded from the purview of MSP. However, if any State willingly wants any nationalised items to be included in MSP, then it shall have to change its nationalized status accordingly. The scheme shall initially be implemented in the following PESA States (except Himachal Pradesh):-
Odisha, Jharkhand, Chhattisgarh, Madhya Pradesh, Andhra Pradesh, Gujarat, Maharashtra & Rajasthan.
Objective: - The scheme has been started with following objectives a. To provide fair price to the MFP gatherers for the produce collected by them and enhance their income level b. To ensure sustainable harvesting of MFPs. c. The Scheme will have a huge social dividend for MFP gatherers, majority of whom are tribals.
It is a holistic scheme for development of MFP trade including its value chain and necessary infrastructure at local level. The MSP scheme seeks to establish a framework to ensure fair returns for the produce collected by tribals, assurance of buying at a particular price, primary processing, storage, transportation etc while ensuring sustainability of the resource base.
Salient Features of the scheme:
Trainings:
TRIFED in its endeavor to develop the marketing of minor forest produce is engaged in skill up gradation and capacity building of MFP gatherers with the objective of improving their income by way of organizing training for non-destructive harvesting, primary processing, value addition and marketing of MFPs. During the last few years, TRIFED has organized intensive training on sustainable collection, cultivation, primary processing, value addition and marketing of Honey, Gum Karaya, Mahua flower, Lac, Donna Pattal making, Hill Grass, Bamboo cultivation covering 56000 Gatherers. The trainings are organized through empanelled implementing agencies working in the field of tribal development.
It has been observed that without value addition of MFP, possibility of providing remunerative prices to the MFP gatherers is limited. Accordingly, TRIFED has now designed its training programmes to include forward & backward linkages as an integral part of the training. Now the objective is to empower the beneficiaries through training, provide information and handhold them by including them as a supplier of TRIFED as far as possible or link them to different marketing channels. TRIFED’s training programmes can be divided in two categories.
MFP Development
YEAR | BENEFICIARIES | OUTLAY (Rs.in Lakhs) |
2007-08 | 11866 | 604 |
2008-09 | 8026 | 650 |
2009-10 | 9217 | 450 |
2010-11 | 7263 | 362 |
2011-12 | 5775 | 170 |
2012-13 | 6720 | 365 |
2013-14 | 3520 | 952 |
Skill up-gradation & Capacity Building of ST Artisans and MFP Gatherers
Since time immemorial, craft sector in India has grown in its spontaneity from one generation to the next by the inherent creative aptitude of the people to work with natural resources of our country. Later, the subsistence needs of the people have ensured more dependence on the sector and made it a flourishing economic activity. Notwithstanding the phenomena of worldwide recession, industrial sickness, natural calamities etc. all over, this sector has been registering steady growth in terms of export and foreign exchange earning besides providing gainful employment (both fulltime and part-time) to around 8 million artisans of the country of which a large section belong to socio-economically poor and marginalized population.
At present, craft sector has assumed 1/5th share of the total house-hold industry in the country. But unfortunately the revenues earned from this sector are not adequately reaching the artisans and crafts persons who remain at the mercy of middleman, trader and exporter for both sustained earning and exposure to the marketable designs with change frequently with time. In order to address this problem and safeguard as well as promote the craft and tribal artisans involved in this sector, TRIFED has envisaged undertaking Skill Up gradation Trainings and Design Development Workshops.
Out of the handicraft artisans of disadvantaged communities, tribal artisans are the target beneficiaries as per the mandate of the TRIFED. These tribal beneficiaries pursue handicraft activity on individual basis in their house-hold set up. Thus, their family income is abysmally less as against the effort made by them in producing and selling the handicraft items. Hence there is a necessity to organize them into producer groups and offer them a platform so that they can leverage the benefits of various interventions made by Govt. organizations including TRIFED. Towards this end, TRIFED has been implementing the following activities:-
R&D Development / Intellectual Proprietary Rights (IPR) Activity:
TRIFED has been undertaking R&D activities by sponsoring research on number of NTFPs. In TRIFED’s context, R&D is an important aspect as tribals from diverse income levels, age groups, and cultural backgrounds harvest NTFPs for household subsistence, maintaining cultural and family traditions, obtaining spiritual fulfillment, maintaining physical and emotional well-being, scientific learning, and earning income but they still use traditional collection, processing techniques with limited applications and market it as raw or with minimum processing. Most of the NTFPs are underutilized and there are few organizations which are working on the Minor forest produces in the country. It is in this background that R&D on NTFP assumes critical importance for enhancing the income of tribal collector gatherers, reducing drudgery & waste and increasing efficiency of tribals. TRIFED being the apex organization for providing marketing support for tribal products is carrying on the task of sponsoring R&D projects with the financial support of Ministry of Tribal Affairs.
Objectives: Objectives for initiation of the R&D project on NTFPs by TRIFED are:
TRIFED sponsors R&D projects through various reputed institutions like IITs. IICT, Hyderabad, CFTRI, Mysore, Universities etc to find out new & innovative product(s)/ process(s) development so that it can enhance the value of Minor forest produce and livelihood of tribals.. During the last few years TRIFED has sponsored 10 R&D Projects which are under various stages of its completion & commercialization.
Status of R&D Projects:
Projects Successfully Completed:
Completed projects requiring financial support for validation/ commercialization of Research findings:
Some of the earlier R&D study / Research have resulted in development of innovative products and processes. However, validation of the research study is needed on a large-scale before introduction in the market. TRIFED is exploring the possibility of financial support from other agencies to conduct validation of the following projects:
Source: TRIFED
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