Understanding Risks to Cash Flows of Migrants

Aajeevika Bureau Understanding Risks Faced by Migrants

A Pervasive Reality…

Of Migration…

High labour importers include Maharashtra, Gujarat, Haryana, Punjab, Karnataka and Delhi.

High out-migration states include UP, Bihar, Jharkhand, MP, Orissa and Rajasthan

* Aajeevika Bureau Estimates

Source Areas

1

2

3

45

6

South Rajasthan: Livelihoods Under Stress

South Rajasthan: A pocket of heavy out migration in India

Major Moves

Jaipur

Udaipur

North Gujarat

Ahmedabad

Surat

A State of Drift

Aajeevika Bureau

Migration Services and Solutions

Leading Vulnerable Lives…

Life Risk

Workplace and Destination Risks for Migrant Workers

Seeking help at the Destination

Type of Ailment Expenditure (Rs.)MSD disorders Upto 500Boils Upto 500Lung related ailments 100 -1800Fever 200-1600Dysentry 800Stomach ache 700-2000Stones 700-1500Typhoid 500-1800J aundice 600-1600Malaria 200-500

Labour Market Ineffeciencies

Rajasthan Shram Sarathi Association

Integrated Financial Management

Financial Services

Credit

Savings Management

Insurance (?)Financial Services

Credit

Savings ManagementFinancial Services

Credit

Savings Management

InsuranceFinancial Services

Credit

Savings Management

Insurance (?)Financial Services

Credit

Savings Management

Insurance

Financial Services

Credit

Savings Management

Pension

Thank You