Dinesh padhi project

A project report on…

“Banking correspondent project”

Submitted to:-

The Centurion University of Technology and Management in partial

fulfillment of the requirements for the Summer Internship Project (SIP)

By

Name:- Dinesh Padhi

Regd. No: - 110202MBR010

Batch:- 2011-13

District project manager

DATE: 25.06.2012

CCCeeennntttuuurrriiiooonnn UUUnnniiivvveeerrrsssiiitttyyy ooofff TTTeeeccchhhnnnooolllooogggyyy aaannnddd MMMaaannnaaagggeeemmmeeennnttt

Paralakhemundi

Under the Guidance of Mr. Ram Prasad das

DISTRICT PROJECT MANAGER

CERTIFICATE FROM ORGANISATION

This is to certify that Dinesh Padhi of Centurion University of Technology and

Management having Regd. No. 110202MBR010 has successfully completed

the project on “Banking Correspondent Project” in BREDS, Srikakulam , from

April 12, 2012 to June 21, 2012 .

Mr. Ram Prasad Dash

District Project Manager

B.C Project, BREDS,

Srikakulam.

CERTIFICATE BY THE COLLEGE

This is to be project report entitled “B.C Project” being submitted by Dinesh

Padhi in partial fulfillment of the two year in Master in Business Administration

by the Guidance of Mr. Ram Prasad Dash District Project Manager, B.C

Project, BREDS, Srikakulam.

Prof. Anita Patro

School Of Management,

Centurion University

Paralakhemundi

DECLARATION

I Dinesh Padhi, a trainee at BREDS and student of Centurion University, do

here by declare that this report entitled as “Observation and Functions of B.C

Project at Srikakulam District” is the result of the observation carried out by me.

This is the original work done by me and do not copied from any material from

any known or unknown person as well as from internet.

Dinesh Padhi

MBA, First year

Reg.No.110202MBR010

School Of Management


ACKNOWLEDGEMENT

There is always a sense of gratitude which one express to other for the helpful

so needy services they render during all phases of life. I would like to express

my gratitude towards all those who have been helpful to me in getting this

mighty task of training to a successful end.

First of all I want to thank Dr. Anita Patra, PGP Coordinator of School of

Management, Centurion University, Paralakhemundi. I also want to thank Prof.

Subhendu Mishra who considered me as a candidate for BREDS and have a

faith on me. I also thankful to Mr. Ram Prasad Dash for his kind cooperation,

guidance patience, endurance, encouragement & thoughtful advice for the

project work.

I would take this opportunity to thank Mr. Venket Sibananda Managing

Director, Gram Tarang Financial Services & Gram Tarang Inclusive

Development Services to give me a chance to tender my service to BREDS I

also thankful to all the staff of BREDS, all other Mandal Co-coordinators.

Dinesh Padhi

MBA First Year

Reg.No.110202MBR010

School Of Management


Introduction

Gram Tarang owes its genesis to Bapuji Rural Enlightenment and Development

Society (BREDS) a social developmental organization formed in 1983 to serve

the most marginalized, vulnerable rural communities and focus on their socio-

economic betterment through empowerment and sustainable livelihood

promotion. BREDS ventured into financial inclusion space in July 2009 in

collaboration with ATYATI Technologies and disbursed more than 200 Crores

government money earmarked for NREGS and Social Security Pensions till

date in over 800 villages of Srikakulam district through its Business

Correspondent Agents. BREDS also ventured into the states of Uttar Pradesh,

Bihar, West Bengal, Assam, Tripura, Odisha in 2010 and hived off the entire

business to a Gram Tarang Inclusive Development Services due to regulatory

issues.

Inspired by the Gandhian philosophy of Gram Swaraj, or „self-rule‟, a group of

residents of Dimili village (Kotturu Mandal, Srikakulam District) and other area

social activists founded the BREDS. Initially, BREDS opened night schools

specializing in adult education. These volunteer-supported classes targeted

Adivasis (tribal people) and members of „Other Backwards Castes‟ (OBCs) in

Dimili and nearby villages. The organization continued to evolve over the next

two decades and work with other target populations, but BREDS has

experienced its greatest growth from 2001 until today. Through a combination

of teamwork, commitment, strong leadership, government support, and donor

participation, BREDS is now recognized as one of the best NGOs in our district

of Srikakulam. Most importantly, it achieved these goals by gaining the trust of

the communities in which it is rendering services. The details of our

interventions are as follows:

Natural Resource Management in Srikakulam District of A.P

Sustainable Livelihoods and Food Security in Srikakulam District of A.P

Gender issues & Women's Empowerment through Microfinance in

Srikakulam District of A.P

Community Health and Education in Srikakulam District of A.P

People's Self Governance in Srikakulam District of A.P

Institution Building and Community Based Organisations (CBOs) which

are active in agri processing and marketing space.

Financial Inclusion

Government of India and Reserve Bank of India have directed all Banks

to implement the Financial Inclusion Plans (FIP) to provide banking

service outlets in all villages with population above 2,000 by March,

2012. Our Bank has submitted a road map to implement the FIP using

information and communication and technology mode with Business

Correspondents net work i.e. branch less banking outlets. Bank has

empanelled M/s Bartronics India Ltd as service provider to give an „end

to end‟ solution for the FIP. Our bank is allotted with 1,149 villages with

population above 2,000 for providing such outlets. Of which, 1,054 are

located in Andhra Pradesh State. The Financial Inclusion Plan (FIP)

covering all the villages has been submitted to Reserve Bank of India.

M/s Bartronics India Ltd., the Institutional Business Correspondent (BC)

appointed by Bank for the FIP implementation has deployed individual

B.Cs/ Customer Service Providers (CSPs) in each village for conducting

the banking transactions through Point of Sale (PoS) devices. The CSPs

have been deployed after a due diligence process undertaken by the

respective Branch Managers.

Coverage of Villages having population above 2000:

Total Villages allotted to

Bank

1149

Out of the above

Andhra Pradesh

Outside AP State

1054

95

No. of beneficiaries to be

covered

6 laces

Financial Inclusion initiatives:

A. Electronic Benefit Transfer of Government Schemes – MGNREGS

(Mahatma Gandhi National Rural Employment Guarantee Scheme

& SSP ( Social Security Pensions) :

Electronic Benefit Transfer (in 4 districts of A.P. Of which, Guntur &

Srikakulam districts under „One District – One Bank‟ model; East

Godavari district under service area approach and Warangal district (in

one pilot mandal covering 25 villages)

Number of villages covered 2665

Number of BCs/CSPs deployed: 2665

Number of beneficiaries enrolled 14.65 Lakhs

B. Smartcard-based transactions for SHG beneficiaries: :

The scheme is functioning on a pilot project basis at four branches. All

the Self Help Groups of Rayavaram, Anaparthi, Kadiam & Bibinagar are

undertaking banking transactions through B.C operated PoS devices at

their villages. By this method, the SHG women are saving their time and

money, since the normal banking transactions in their SHG accounts are

done at their doorstep.

Vision

To realize the Gandhian dream of gram swaraj by building a network of

autonomous village communities which are self-sufficient and self-reliant?

Mission

To capacitate the communities to become better informed and enlightened of

their rights and choices in order to control the environment, resources, and

levels of power by strengthening the institutional base necessary for social

transformation and human capital enrichment.

Goal

To facilitate the process of empowerment of tribal, Dalit‟s and all other

marginalized groups by reducing vulnerabilities, by increasing capacities, and

by liberating them from oppression and exploitation.

Objectives

To capacitate the target community, focusing on role-transformation at all

levels, with a special focus on skill development that enables people to

control their environment

To educate the rural poor, emphasizing the value of education with a

special emphasis on the promotion of women and the girl child. BREDS

promotes value-based and vocational education to further strengthen the

life-support system of the community.

To facilitate access to health service mechanisms for the rural poor and

urban slum inhabitants by promoting health for all, particularly focusing

on women‟s and children‟s care in the area of reproductive health.

To emphasize the need for the socio-economic empowerment of the

target communities, by pursuing the best possible avenues in all means

and ends.

To protect and restore local ecosystems and the environment, taking

special steps for the protection of natural resources. BREDS promotes

effective management and treatment of land, water, and forest for the

sustainable livelihood promotion of the target community.

To form and promote Self Help Groups (SHGs), Village Organizations

(VOs), and Mutually Aided Cooperative Societies (MACS), which work

towards their economic empowerment and a reconstruction of the rural

economy through a revival of the cooperative movement.

To promote sustainable agriculture and value addition through

horticulture products and crops. This ensures sustainable food security,

enhances income potential, and generates employment opportunities

within the target community, thereby stemming the tide of migration.

To promote and restore the traditional culture of the target community,

sustaining unity and integrity in the village atmosphere.

To provide relief and rehabilitation packages to rural communities

affected by natural disasters and calamities.

To facilitate all the government‟s developmental priorities to reconstruct

a better rural India that can realize the concept of gram swaraj.

GANASEVA

Atyati‟s GANASEVA solution is a comprehensive technology platform

developed to improve the delivery of public and private services to untouched

rural populations living in unreachable geographies.

GANASEVA provides a comprehensive, fully automated delivery mechanism

for the flow of governmental, financial, health care and commercial services to

rural and semi-urban populations. The platform includes a common

infrastructure for data collection and information management.

The core features built into this platform are:

o Collection of Customers‟ data using disconnected

laptops/PDAs/mobile phones

o Loan Origination and loan processing with workflow capabilities

o Support for Lending products, Savings & Deposit, Rural products,

Insurance products

o Support for third party selling in urban mass markets

o Multi-Lingual capabilities

o Ability to work in low/no bandwidth

o Audit trail tracking mechanisms

o A full suite of security features

The application consists of the following modules:

o Master Data Maintenance

The flexibility of the product comes with the depth of its master

data. The master data ranges from maintenance of types of assets

etc to setting up hierarchical regional areas (states, regions,

districts, taluks, villages, etc.). This master data provides

parameters for rest of the modules.

o Field Agent Module

This module is used to initiate customer acquisition and initiate

transactions. Capturing information related to new customers, new

loans etc. can be done using this module. The Field Agent Module

could use any Windows based laptop/PDA/mobile phone as the

means for data collection.

o Transaction Processing (Back-Office Workflow)

This is primarily a product origination module and manages the

complete application processing flow of various instruments. The

system manages the entire process, its workflow through various

stages and access controls. The system comes with a robust

document management system where all the customer documents

are stored. The system comes pre-configured with workflows for

each transaction. These workflows can be customized as per the

customer organization‟s requirements.

o Life Cycle Transaction Processing

GANASEVA has the ability to support servicing of a customer

through the comprehensive Life Cycle Transaction Process. Based

on application being supported, the GANASEVA platform would

include the complete suite of activities required for ongoing

servicing of the client.

BC STRUCTURE:-

In the Srikakulam district 38 mandal .BC project work the 35 mandal, and 3

mandal is not work because of political issue so that should not be cover. BC

project 1110 grampanchayat in the srikakulum district . Each GP provide one

community service provide (CSP) .one Block has one mandala coordinate (MC)

is there.

• Each gram pancyat 1 community service provided (csp) .

• The CSP role is payment to the NERGA and SSP beneficiary.

• Every block one mandal cordinator is there.

• The slip are prepare mandal computer center.

• Two type of slip are prepare one is pay slip another one is acutance proof.

• Mandal computer centre (MCC) is providing acutance proof slip to the

mandal coordinator then to the community service provide (cap).

• Field assistance gives the pay slip to the beneficiary.

Criteria of csp

Belongs to own panchayat.

SHG member (female).

Minimum qualification 10 Th pass.

Computer knowledge.

Procedure of csp selection

At first mandalparisad development officer (MPDO) verifications best

three members in gram panchayat.

Then they send the name to District Rural Development Agency (DRDA)

office.

Then DRDA send the list of candidate to Andhra bank.

After that Andhra bank do the examination.

After exam Andhra bank send the list of employee to DRDA office.

Then DRDA office send selected list of employee to MPDO.

Business correspondence office staffs (srikakulum district)

There are four members in the office

District coordinator officer.

Mis officer

Inventory officer.

Accountant officer.

Enrollment process of nrega customer

1. customer identification

2. Name

3. Job card no

4. Age

5. Gender: (female and male)

6. One passport size photo.

7. Rasan card detail

8. Identity card

NERGAWORKS AT KOTTURU VILLAGE

In the kotture village the labor are do the NERGA work like make a

pond.

In this village the csp name is pratap.

The labour are start the works at 9.am to 12.pm.

Each labour getting Rs90 per day.

In the field 150 labours are do the pond measurement.

One field assistance is there because he takes the attendance of the labor,

and also report to the csp.

The technical assistance also checks the work.

In the pond work 15 groups are there.

Each group around 8 to 12 members are work.

PAYMENT OF NERGA AND SSP

Each beneficiary of NERGA and SSP have a smart card that card will be

help to the person identity.

The smart card shows the details of person like name, age, s.no. Pay order

no., issue on date etc.

Accutance proof slip

Date

E-pay order no-

FTO no-

s.no Name Job card

no.

Smart

card no.

Habitati

on name

Group

name

Account

no

Work

days

amount Work

code

pay

order no

From

date

To date Recipt

code

sign

PAY SLIP

Fromdate TO date

SMART card no

No of days work

Per days Rs

Extra charge

Remaining days

Group member

Laitpayment details

• NERGA and SSP payment in the public place like

school, college, gram pancyat etc.

• NERGA beneficiary are getting the money after 2 weeks of the field

work.

• The CSP have payment to the beneficiary.

• SSP payment once a month.

• NERGA payment 3 times per month made.

• Payment are paid to the systematically.

• Each member is 10 figure print save in the system.

• If the smart card lost then Rs 50 issue the new smart card.

First smart card right to entry in the system.

Then smart card beneficiary details show in the system.

After that the any out of 6 figure any one figure print match then

authentications if don‟t match of figure then no authentication.

The beneficiary also shows the pay slip to the CSP.

Then the beneficiary sign to the acutance proof slip

The CSP payment to the beneficiary in the village.

BENEFITS OF BC PROJECT

Timely payment.

No corruptions.

Payment in the village.

Customers could took the money directly by the smart card

Data entry could be by the online & offline by Ganaseva atyati

Software‟s

NREG & SSP payments were came to Andhra bank

Hand to hand payment.

PAYMENT PROBLEM

System Errors.

Figure print doesn‟t match.

Electricity problem.

Data don‟t have proper save.

Data upload problem.

Smartcard reader problem.

Products

We offer a

PROCESS OF BC PROJECT

GOVERNMENT

ANDHRABANK

ATYATI TECNOLOGY

BC & BREDS

MANDALA CORDINATER

COMMUNITY SERVICE PROVIDOR (CSP)

NREGA WORKER &SSP PAINSION

BC PROJECT & BREADS PROJECT

SSP NREGA

OLD AGE PENSION ROAD

HANDICAFT PERSON POND

WIDOW

IRRIGATION

WORK

FOR PLANTING


(This photo is taken from Mandasa mandala)

The CSP will distribute the payment among the beneficiary.

NREGA and SSP payment is distributing in the public place like school,

panchaiyat office etc.

SSP payment once a month.

NERGA payment 3-4 times per month made

The CSP will give the money to the authorize beneficiary by doing

authentication process. Each member are 10 figure print save in the system

Work.








Payment are paid to the systematically


authentication process. Each member are 10 figure print save in the

system

NERGA beneficiary are getting the money after 2 weeks of the field

Work.









authentication process. Each member are 10 figure print save in the

system

NERGA beneficiary are getting the money after 2 weeks of the field

Work.

Laptop

All the CSP having a laptop.

All the required software is been installed in the laptop.

All the operation is been done through these laptops.

Finger print Scanner (FPS)

It is the finger print scanner. It will connect to the system.

After that the any out of 6 fingure any one fingure print match then

authentications if don‟t match of fingure then no authentication .

Smart Card Reader (SCR)

First smart card right to entry in the system.

Then smart card beneficiary details show in the system.

SRIKAKULAM DISTRICT MAP

GENDER AND LIVELIHOOD

Men and women have different roles, responsibilities and resources hence their

livelihoods are also different. Gender equity is multi-dimensional implying

legal, political, social and economic equality. Economic equality between men

and women means equal ability to support a standard of living. The factors

affecting women‟s participation are lack of education and training and

discriminatory attitude.

Some of the livelihood activities by NGOs are forming SHGs, small scale firms

and training programs.

CLASSIFICATION OF LIVELIHOOD

The classification of livelihood is basically made on three different sectors i.e.

primary sector, secondary sector and tertiary sector.

Primary sector is basically essential for farming, agriculture, and agriculture

allied production, along with fisheries and other basic livelihoods sources.

Secondary sector includes manufacturing firms like tobacco, wood, fuel,

textiles, machinery, leather, etc.

Farm based livelihoods are those where income/employment is derived from

primary sector, particularly from the production of unprocessed crops, rearing

livestock, horticulture, forestry, fisheries and from natural resources.

Livelihood Outcomes

The impact on the livelihood project leads to various environmental outcomes.

They are as follows:

Better employment opportunities

Eradication of poverty

Better status of households

Health and hygiene

Community participation in the decision making process

Institution and capacity building

Gender equity

Optimum utilization of resources.

CATEGORIES OF ASSETS

1. Financial assets:

Credit/debts

Wages/employability

Remittances

Pensions

2. Social assets:

Networks and connections

Relations of trust and mutual support

Leadership

Common rules and sanctions

Mechanism for participation in decision making

3. Physical assets:

Infrastructural:-

Transportation

Communication

Energy

Water supply and sanitation

Tools and technology:-

Equipments for production

Traditional technology

Seeds, fertilizers, pesticides

4. Natural assets:

Land resources

Water and aquatic resources

Environmental services

Wild life

Biodiversity

5. Human assets:

Knowledge and skill

Education

Health

Capacity to work and adapt

Nutrition

Grain Bank Scheme

BREDS is working with huge number of schedule tribe families. Majority of

these families don‟t ensure food security during lean period. To avoid this

problem and make food secure for all the season with community participation

and self help, BREDS designed a program relating to promotion and revival of

traditional grain banks. Initially it was decided that BREDS provide grant from

the WHH project in the form of grains to the target subhadayam. This grant is

subject to the maximum limit of grain worth rupees ten to fifteen thousand only

(according to the village population).subsequently additional grant would be

extended to superior performing groups, with the nature of enhancement of their

savings.

Community Based Revolving Funds

BREDS is working with the schedule caste and tribal families in the Srikakulam

district of Andhra Pradesh. Basically these families have the capability to

practice some activity but due to lack of capital they are remaining as such. The

community based revolving fund is a channel of support by BREDS through its

WHH/GAA project, to the target schedule caste and tribal families in the target

area to promote and improve their livelihoods with financial assistance. This

ultimately improves the quality of life of the target families by increasing their

income generation power.

Making Insurance of the Unit and giving tag number to the Units.

Taking photos of the units in presence of BREDS (NGO) staff.

Submission of documents to BREDS.the documents are like- Receipts of the

beneficiaries,SHG resolutions, Subhodayam Resolutions, SHG pass book copy,

repayment schedule from the beneficiaries, the purchase and vendor document,

insurance copy and Tag number, photos of the units.

NREGS WORKS STATUS

Name of the

Panchayat

Name of

the Village

Work

Name

Sancti

oned

Amou

nt

Sancti

oned

No.of

Worki

ng

Days

No.of

Job

Cards

Sanct

ioned

No.o

f

Job

Car

d

Issu

ed

Bala

nce

Job

Car

ds

Present

Work

Status

Chinnagujju

wada

Chinnagujju

wada

Tank

Repair

25000

0.00

15 50 50 0 Comple

te

Kidimi Kidimi Tank

Repair

17500

0.00

15 60 56 4 Comple

te

Chinnagujju

wada

Munjivanipe

ta

Kamab

andha

Tank

Repair

18000

0.00

10 21 21 0 Comple

te

Annupuram Annupuram Hill

Works

17000

0.00

10 30 30 0 Comple

te

Venkatapura

m

Venkatapura

m

Land

repair

10000

0.00

45 26 Continu

ous

Venkatapura

m

Sivarampura

m

15000

0.00

15 Continu

ous

Aludu Vaddinavala

sa

10000

0.00

11 Continu

ous

Kelavalasa Konchadape

ta

Road

Repair

25000

0.00

10 Continu

ous

Kelavalasa Satram Road

Repair

12500

0.00

26 Continu

ous

Kelavalasa Padmapura

m

Road

Repair

10000

0.00

11 Continu

ous

Jamachakara

m

Jamachakar

am

Land

repair

10000

0.00

25 Continu

ous

Baddumarri Kasipuram Pottiba

ndha

Tank

Repair

65000

0.00

230 78 78 Continu

ous

Gorribanda Konavanipet

a –

Jagannadha

puram

Tank

Repair

25000

0.00

50 200 200 0 Comple

te

Chinnagujju

wada

Purusothuka

rra

Tank

Repair

20000

0.00

50 250 200 50 Continu

ous

Venkatapura

m

S.S.R.Pura

m

Tank

Repair

25000

0.00

50 150 150 0 Comple

te

Kummarigun

ta

Chodasamu

dram

Tank

Repair

25000

0.00

50 250 250 0 Comple

te

Singupuram Sanysairaop

eta

Tank

Work

13000

0.00

32 14 14 80 %

work

done

Ganguwada Mettupeta Trench

Work

80000.

00

20 48 48 70%

Work

done

Ganguwada Kannayyape

ta

Canal

Work

75000.

00

15 31 31 Comple

te

Ganguwada Kondalapeta Tank

Work

15000

0.00

35 19 19 Comple

te

Ganguwada Rajannapeta Tank

Work

17500

0.00

45 14 14 30%

Work

Done

Ganguwada J.C.peta Tank

Work

15000

0. 00

50 20 20 20%

Work

Done

Ganguwada Konchadape

ta

Tank

Work

15000

0.00

30 45 45 85%

Work

Done

Baddumarri T. Kotturu Tank

Work

25000

0.00

0 36 36 0 Comple

te

Baddumarri Konangi Land

Develo

pment

42500

00.00

63 63 0 Comple

te

Baddumarri Bheemunipe

ta

Land

Develo

pment

21500

0.00

12 12 0 Comple

te

Baddumarri Morullapeta Land

Develo

pment

40000

0.00

12 12 0 Comple

te

Vandrai Vandrai Tank

Work

25000

0.00

38 38 0 Comple

te

Peddalamba Moogupura

m

Tank

Work

30000

0.00

9 9 0 Comple

te

Baddumarri Basagittangi Tank

Work

32500

0.00

19 19 0 Comple

te

Padali Jannodugud

a

Tank 25000

0.00

25 25 70%

Work

Comple

ted

Padali Polamguda Tank 17500

0.00

18 18 Comple

ted

Padali Pandramanu

guda

Tank 15000

0.00

27 27 60%

Work

Comple

ted

Padali Baladaguda Tank 25000

0.00

24 24 60%

Work

Through NREGS the community empowerment has been taken place as the

activity requires labor force to work in different development works in rural

areas. They are now leading a secured livelihood. This is a major source of

income generation for the tribal and dalit society. Due to such government

activities the migration of the beneficiaries has reduced to a great extent. Some

beneficiaries don‟t migrate as before. They have a better living condition as

before.

IMPACT ON ANNUAL INCOME

Problems

Data‟s were not saved properly in the laptop

Systems have so much various that data‟s were not

Saved

Comple

ted

Total 11025

000.00

S.No Name of village Average annual

income(Rs)

Increase % age

increase

2007 2010

1 Chinnagujjuwada 27960 51436 23476 84

2 Venketapuram 34000 58640 24640 72

3 Burujuwada 13015 53820 40805 313

4 B.Kotturu 11500 53680 42180 366

5 Jagayyapeta 28480 60000 31520 110

6 Munjuvanipeta 26876 52920 26044 96

7 Dwarkapuram 30870 57240 26370 85

8 Kasipuram 27500 56656 29156 106

9 Vaddinivalasa 31358 53800 22442 71

10 Gopalapuram 31652 57793 26141 82

Smart card reader was not working properly

Finger print scanners were not working properly

Some grampanchayts did not have any csp‟s

Benefits

Customers could took the money directly by the smart card

Data entry could be by the online & offline by Ganaseva atyati Software‟s

NREG & SSP payments were came to Andhra bank

Working notes

I have covered four mandalas in two months

Payments were come though Andhra bank to me. the mandala coordinator

went to bank withdraw money from the Bank and gave it to the CSPs

CSPs were took the payment by putting their signature in the record.

Me and mandala coordinator went to the field check

CSPs worked are not properly

After payments the data‟s were uploaded by the bulk size.

We had a weekly meeting in our office at shrikakulam.

After payment aqutency copy were collected and submitted the MPDO office

After submitted aqutency sign & collected MPDO send SRIKAKULAM

Economy & Finance

Dinesh padhi project