Financial Consumer Protection - CUTS Cart

Financial Consumer Protection

Enhancing Financial Protection of Consumers in Particular Women

through Financial Literacy Initiatives

Supported under

Consumer Welfare Fund, Department of Consumer Affairs of Ministry of Food and

Consumer Affairs, Government of India

Synthesis Report of Cluster Trainings

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Background

Through various studies and interventions of CUTS, it has been observed that poor and

vulnerable communities, especially women in rural areas are unable to get rid of poverty

due to poor savings and lack of investment habits and lack of financial inclusion. Women

are more vulnerable compared to their male counterparts mainly because they do not have

means and control over finances, although women have important contribution in

livelihood activities. But since the decision making is with the male members who have

access to other financial services, spending and investment priorities are seldom in favour

of women.

Consumer Unity & Trust Society (CUTS) with the support of Department of Consumer

Affairs, Ministry of Consumer Affairs, Food & Public Distribution, Government of India is

implementing a project entitled, ‘Enhancing Financial Protection of Consumers in

Particular Women through Financial Literacy Initiatives’ with following objectives.

Objectives

The main objectives included capacity building of the rural consumers, especially women

in terms of financial literacy thereby enhancing their financial inclusion and other financial

related involvements and boosting awareness, knowledge and skills among the target

community on the financial decisions about savings, investments, borrowings, income and

expenditure. In addition, overcome their vulnerability and ensure the community’s

economic security by linking them with financial services and with the government/non-

government development schemes.

Proposed Activities

The Project will be implemented in all 23 blocks of Bhilwara and Chittorgarh district.

baseline study would be conducted to know the level of awareness of financial consumer

rights, financial inclusion and identify required services which can be offered through

banking sector or development schemes from government. Based on the outcome of

baseline survey, consumers would be identified into Financial Literacy Groups in clusters.

These groups would then be provided training with the support of expert trainers.

Community-based Facilitators (CBFs) would be identified out of these groups, one for each

group.

The CBFs identified would be groomed and involved in networking with various banks,

financial institutions and government departments. CBFs are being involved with

sustainability point of view to take the agenda forward even after the completion of the

project.

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Hence, the Project aims at reaching out and empowering the most vulnerable rural

consumers in order to improve their health, education and ensure other developmental

needs and reduce gender inequality.

Key Activities of the Project

‘Financial Consumer Protection’ Project is being implementing in all 12 blocks in Bhilwara

district of Rajasthan.

The activities to be accomplished during the project period are as following:

Baseline survey

Identifying consumer groups focusing on women

Production of IEC materials

Project launch at district level

First round training

Identification of Community-based Facilitators (CBFs)

Periodic meetings of consumer groups

Annual and Final stakeholder’s consultation and dissemination meeting at each

district Headquarters

Second round Training

Final Stakeholder’s Consultation

Project Dissemination and Advocacy Meeting

Final reports and managing accounts

Objectives of Cluster Trainings

The purpose of the trainings was to build the capacities of the rural consumers, especially

women in terms of financial literacy there-by enhancing their financial inclusion and other

financial related involvements, Enhance awareness, knowledge and skills among the target

community on the financial decisions about savings, investments, borrowings, income and

expenditure. In addition, help them overcome their vulnerability and ensure their

economic security by linking them with financial services and with the government/non-

government development schemes.

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Schedule of Cluster Trainings (Chittorgarh-First Phase)

S. N. Date Cluster Block District Phase Participants

Women Men Guest Total

1 08.09.17 Mevda Colony Kapasan Chittorgarh I 102 26 7 135

2 18.09.17 Chittorgarh HQ. Chittorgarh Chittorgarh I 41 15 8 64

3 10.10.17 Bhopalsagar HQ. Bhopalsagar Chittorgarh I 47 11 13 71

4 13.10. 17 Bengu Hq. Bengu Chittorgarh I 76 10 6 92

5 06.11.17 Bhadesar Hq. Bhadesar Chittorgarh I 47 7 7 61

6 08.11.17 Nimbahera Hq. Nimbahera Chittorgarh I 80 6 15 101

7 10.11.17 Barisadri Hq. Barisadri Chittorgarh I 132 6 14 152

8 21.11.17 Dungla Hq. Dungla Chittorgarh I 76 8 12 96

9 24.11.17 Gangrar Hq. Gangrar Chittorgarh I 62 2 7 71

10 16.12.17 Pahuna Rashmi Chittorgarh I 66 5 6 77

11 15.01.18 Borav Bhaisrodgarh Chittorgarh I 57 8 6 71

Total 786 104 101 991

Trainings of the First Phase (Chittorgarh)

There have been as many as 11 block level cluster trainings under the first phase of

training as prescribed in the project activities between September to January, 2018. All

these cluster meetings covered all topics as mentioned below. The resource persons also

shared some facts and information about banking sector and financial literacy/inclusion

and challenges faced by financial consumers. From the above table, it is evident that 991

people have been benefited from the meetings, out of which 786 were women participants.

Key Resource Persons as Speakers/Guests

In all the programmes, officials like Block Development Officers of Blocks; branch

managers of various banks, officials from local National Bank of Agriculture and Rural

Development (NABARD) office; officials from Financial Literacy Centres of Bank of Baroda

and few other banks have been the key resource persons. Besides, representatives of

Panchayati Raj Institution and local Members of Legislative Assembly (MLAs) have also

been participating in these programmes in the capacity of guests.

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Glimpses

(First Phase)

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Key Achievements from the Trainings

Four women and a male member

participated in the State Bank of India

Insurance scheme in Pind village in

Badisadri block

Women applied for labour card in

Mevda Colony

15 Women applied for labour card in

Kishanpura village in Nimbahera

block

One woman Shankar Kanjari applied

for Jeevan Suraksha Bima in Mevda Colony

Women applied for Labour card in Badisadri block

Women applied for Jeevan Suraksha Bima in Badisadri Block

One women and 1 men applied for Pradhanmantri Jeevan Jyoti Bima and Jeevan

Suraksha Bima in Nimbahera block.

A Success Story

Mevda Colony on the Way to Become Fully Financial Inclusion Village

Mevda colony is a revenue village of Kapasan block of Chittorgarh district, 40 km away from

Chittorgarh. Mainly 250 families of Kanjar community lives in Mevda colony. Kanjar

community is known as being attached to the trade of handcuffs liquor.

In terms of education, the village is quite backward. Women are also involved in trade of

handcuffs liquor. They are less aware of government schemes meant for them.

Under the project, through baseline survey, it was revealed from nearly 250 families of the

village that only 60 percent people have bank account.

In an effort to achieve the above objective, CUTS organised a workshop in Mevda Colony on

September 08, 2017. Nearly 100 women participated in the workshop. By the training, the

villagers could receive financial information as it empowered them with financial information

specially the lower income group community. A camp was again organised in Mevda Colony

to link villagers with labour card scheme on September 10, 2017. In this camp, 62 women and

men applied for labour card and 100 men and women were linked with micro insurance

schemes. CUTS also targeted that Mevda Colony should be a model village in terms of

financial literacy in the district by December, 2018.

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Schedule of Cluster Trainings

(Chittorgarh)-Phase-II

S.N. Date Cluster Block District Phase Participants


01 22.09.17 Bassi HO. Chittorgarh Chittorgarh 2nd 41 09 10 60

02 18.12. 17 Rashmi HQ. Rashmi Chittorgarh 2nd 49 20 8 77

03 16.01.18 Bhaisrodgarh Bhaisrodgarh Chittorgarh 2nd 50 10 8 68

04 20.01.18 Aakola Bhupalsagar Chittorgarh 2nd 52 2 11 65

05 21.01.18 Keli Nimbahera Chittorgarh 2nd 66 6 6 78

06 24.01.18 Mewda

Colony

Kapasan Chittorgarh 2nd 48 8 5 61

07 18.02.18 Boheda Bari sadri Chittorgarh 2nd 55 14 5 74

08 19.02.18 Sadas Gangrar Chittorgarh 2nd 77 6 8 91

09 24.02.18 Nandvai Bengu Chittorgarh 2nd 130 2 6 138

10 26.02.18 Bansen Bhadesar Chittorgarh 2nd 78 4 10 92

11 08.03.18 Moravan Dungla Chittorgarh 2nd 52 10 6 68

Total 698 91 83 872

Second Phase Trainings (Chittorgarh)

There have been as many as 11 Gram Panchayat level cluster trainings under the first

phase of training as prescribed in the project activities between September 2017 to March,

2018. All these cluster meetings covered all the topics as mentioned below. Besides, the

resource persons also shared some facts and information about banking sector and

financial literacy/inclusion and challenges faced by financial consumers. From Table 2, it is

evident that 872 people have been benefited from the meetings, out of which 698

comprised women.

Methodology and Topics Covered

Firstly, financially needy and conscious women were identified and approached from

remote villages before organising the workshop. These women were informed about the

purpose of the workshop and later were invited at the workshop. At the venue, registration

of the participants was done. The subject experts and local bankers informed the

participants about the schemes related to finance. Information given by the experts on the

following topics:

Method of opening bank account

Significance of transactions after opening the account

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Opening saving accounts and Know Your Consumers (KYC)

Micro insurance plans and importance of pension

Atal Pension Yojna

Mudra Yojna

Personal and SHG loan

Grievance redressal

Doubt solution and curiosity of participants

Determination of further action plan and responsibilities


In all the programmes, officials like Block Development Officers; Branch Managers of

various banks, officials from local National Bank of Agriculture and Rural Development

(NABARD) office; officials from Financial Literacy Centres of Bank of Baroda and few other

banks have been the key resource persons. Besides, representatives of Panchayati Raj

Institutions and local Members of Legislative Assembly (MLAs) have also been

participating in these programmes in the capacity of guests.

9

Glimpses

(Second Phase)

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Achievements

One application was received for Jeevan Suraksha Bima from a female member in

Dungla block

Another application was received from a woman for Jeevan Suraksha Bima in Borav

in Bhainsrodgarh block

A labour card application from a female member was received from Bhadesar block.

Two applications were received from female members for labour card and another

application from women applied for labour card and Jivan Suraksha Bima in

Bhadesar block

Six applications were received from female members for Jivan Surksha Bima in

Jharjhari village in Bhaisrodgarh block

Premium of 82 women of Jivan Surksha Bima declared by sarpanch of Sadas.

Success Story

Women from Farming to Financial Literate

About 2000 families of poor (mainly Scheduled Caste) community live in Keli village. Keli, a

Gram Panchayat of Nimbahera block of Chittorgarh district is 50 km far away from

Chittorgarh. The community of Keli is involved in agriculture, labour work and self-employed.

The village was found to be socially, economically and educationally low. Women are also

involved in agriculture and labour work. However, they are still deprived of government

schemes and less aware of the availability of financial schemes.

CUTS initiated the project in their locality to ‘Enhance Financial Protection of Consumers in

Particular Women through Financial Literacy Initiatives’. A baseline random survey was

conducted to know the status of awareness among the families. On the basis of survey, CUTS

explored that people have bank accounts, but women are less aware of some micro insurance

schemes.

In this regard, CUTS organised a workshop in Keli on January 21, 2018. Approximately, 62

women participated in the workshop. They became more aware of financial issues and

schemes. One of the female participants – Gayatri Gayri, community facilitator possessed

high level of awareness. After attending this workshop, she got associated with the micro

insurance schemes, and thereafter nearly 43 women of her village also got associated with

these schemes. Stringent efforts are being made to connect other community women for

enhancing their quality of life.

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Periodic Meetings for Consumer Groups in Chittorgarh

After completing 22 cluster trainings in the district, 11 periodic meetings have been

organised in villages and blocks. Meetings were held in these places, where it can be

ascertained to the level of financial literacy levels. The purpose of these periodic meetings

was to follow with participants after the cluster meetings and to oversee the progress with

regard to financial literacy.

Glimpses

(Periodic Meetings)

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Resource Persons of Cluster Trainings Chittorgarh District

S. N. Name Post Department P S District

1 Mr Sachin Badetiya DDM NABARD Chittorgarh Chittorgarh

2 Dr Kalpana Sharma BDO Panchayti Raj Kapasan Chittorgarh

3 Mrs Snehlata Mandovra Sarpanch G P Mungana Kapasan Chittorgarh

4 Mr Madan Lal Salvi B.O.S.W. Labour Department Chittorgarh Chittorgarh

5 Mr Arvind Purohit FLC BRKGB Chittorgarh Chittorgarh

6 Mr Satynarayan Regar Dept. Sarpanch G P Nagri Chittorgarh Chittorgarh

7 Mr Ramlal Bairwa Ward Panch G P Nagri Chittorgarh Chittorgarh

8 Mr Ramnarayan Jat Retd. Manager BRKGB Chittorgarh Chittorgarh

9 Mrs Anju Kanwar Sarpanch G P Bassi Chittorgarh Chittorgarh

10 Mr Dinesh Khattri Retd. Banker CKSB Chittorgarh Chittorgarh

11 Mrs Kavita Sharma Teacher DPS School Chittorgarh Chittorgarh

12 Mrs Priyanka Purohit Principal DPS School Chittorgarh Chittorgarh

13 Mr Arvind Purohit FLC BRKGB Chittorgarh Chittorgarh

14 Mr Ramnarayan Jat Retired Manager

BRKGB Chittorgarh Chittorgarh

15 Mr Rajendra Ladda MNAREGA Panchayat Bengu Chittorgarh

16 Mrs Ragini Damor SDM SDM Bengu Chittorgarh

17 Mr G L Soni Sarpanch GP Rashmi Chittorgarh

18 Mr L L Sukhwal Principal Government. Sr. Sec. School

Rashmi Chittorgarh

19 Mrs Snehlata Vyas L S ICDS Rashmi Chittorgarh

20 Mr G L Sharma Secretary G P Rashmi Rashmi Chittorgarh

21 Mr Pankaj Sharma SDM Rashmi Chittorgarh

22 Mrs Rekha Vyas President Mahila Morcha Rashmi Chittorgarh

23 Mr PK Tanwar Branch Manager BRKGB Rashmi Chittorgarh

24 Mr BL Sharma Block Prabhari NGO Rashmi Chittorgarh

25 Mr Navratan Jingar Reporter Dainik Nav. Rashmi Chittorgarh

26 Mr Ganpat Sharma Secretary Panchayati Raj Bhaisrodgarh Chittorgarh

27 Mr Vijay Kumar Social Worker Consumer Service Bhaisrodgarh Chittorgarh

28 Mrs Renul Gautam Officer BOB Bhaisrodgarh Chittorgarh

29 Mr O P Bhambi Principal Vidhya Bharti Bhaisrodgarh Chittorgarh

30 Mr R S Parashar President NGO Bhupalsagar Chittorgarh

31 Mr Anil Gahlot Sarpanch GP Akola Bhupalsagar Chittorgarh

32 Mrs Sushila Bunkar President NGO Bhupalsagar Chittorgarh

33 Mr P K Soni Branch Manager BRKGB Akola Bhupalsagar Chittorgarh

34 Mr Rameshwar Lal Asst. Secretary GP Akola Bhupalsagar Chittorgarh

35 Mrs Rinku Balai Sarpanch GP Keli Nimbahera Chittorgarh

36 Mrs Sunita Maloo Sarpanch GP Boheda Badisadri Chittorgarh

37 Mr Gopal Maloo Social Worker Badisadri Chittorgarh

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S. N. Name Post Department P S District

38 Mr Roshan Singh Assistant Coordinator

Rajivika Badisadri Chittorgarh

39 Mr Abdul Latif Social Worker Badisadri Chittorgarh

40 Mrs Chetna Meghwal Pradhan Panchayati Raj Badisadri Chittorgarh

41 Mr Sanjay Vaishnaav Sarpanch GP Sadas Gangrar Chittorgarh

42 Mr Vishnudatt Agarwal Branch Manager BRKGB Bansen Chittorgarh

43 Mr Devilal Sukhwal BC BRKGB Bansen Chittorgarh

44 Mrs Bhagwanti Nahar Sarpanch G P Bansen Bansen Chittorgarh

45 Mrs Sonia Jain Emershan Cadar Raaajivika Bengu Chittorgarh

Schedule of Cluster Trainings (Bhilwara-First Phase)

S. N. Date Cluster Block District Phase Participants


1 19.09.17 Suwana Hq. Suwana Bhilwara I 60 4 11 75

2 27.09.17 Banera Hq. Banera Bhilwara I 43 11 2 56

3 04.10.17 Mandalgarh Hq. Mandalgarh Bhilwara I 46 10 3 59

4 09.10.17 Sahada Hq. Sahada Bhilwara I 39 8 3 50

5 11.10.17 Shahpura Hq. Shahpura Bhilwara I 54 0 8 62

6 13.10.17 Jahajpur Hq. Jahajpur Bhilwara I 55 2 4 61

7 02.11.17 Bijoliya Hq. Bijoliya Bhilwara I 70 5 5 80

8 07.11.17 Raipur Hq. Raipur Bhilwara I 57 0 5 62

9 09.11.17 Asind Hq. Asind Bhilwara I 53 0 4 57

10 13.11.17 Hurda Hq. Hurda Bhilwara I 69 0 5 74

11 16.11.17 Mandal Hq. Mandal Bhilwara I 51 0 7 58

12 08.12.17 Kotri Hq. Kotri Bhilwara I 65 0 3 68

Total 662 40 60 762

First Phase Trainings (Bhilwara)

There have been as many as 12 block level cluster trainings under the first phase of

training as specified in the project activities between September to December, 2018. These

cluster meetings covered the themes as mentioned below. The resource persons also

shared few facts and relevant information regarding banking sector and financial

literacy/inclusion and challenges faced by financial consumers.

From the above table, it is evident that 762 people have been benefited from the meetings,

out of which 662 were women participants.

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following topics:

Process of opening of bank accounts significance of transactions after activation of

bank account

Opening savings account and KYC


Atal Pension Yojna

Mudra Yojna

Personal and SHG loan process

Grievance redressal

Resolving queries of the participants

Determination of further action plans and responsibilities



various banks, officials from local NABARD office; officials from Financial Literacy Centers

of Bank of Baroda and other banks were the key resource persons. Besides,

representatives of Panchayati Raj Institutions and local MLAs have also been participating

in these programmes in the capacity of guests.

15

Glimpses

(First Phase)

16

Achievements

Applications from five women for Pradhanmantri Jeevan Suraksha Beema Yojna and

Pradhanmantri Jeevan Jyoti Beema in Kamalpura.

Applications were received from six women for Pradhanmantri Jeevan Suraksha Beema

Yojna and Pradhanmantri Jeevan Jyoti Beema in Lapya

Applications were received from two women for Atal Pension Yojna in Lapya

An application was received from for Pradhanmantri Jeevan Suraksha Beema Yojna and

Pradhanmantri Jeevan Jyoti Beema in Banera Headquarters

Applications were received from two women for Pradhanmantri Jeevan Suraksha

Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Arjiya

Applications were received from 10 women for Pradhanmantri Jeevan Suraksha Beema

Yojna and Pradhanmantri Jeevan Jyoti Beema in Kosithal

Applications were received from three women for Atal Pension Yojna in Kosithal

Applications were received from five women for Mudra Yojna in Kosithal

Success Story Gadiya Luhar Community

Dhanni Bai living in Shahpura block of Bhilwara District. She is from Gadiya luhar (nomadic

ironsmith) community. The community was not much aware of the financial schemes

implemented by the government. They were unaware of the banking and insurance services,

and were not holding any bank accounts. CUTS Centre for Human Development (CHD)

organised a financial literacy workshop in Shahpura block and the selected women from

Gadiya Luhar community were invited in this workshop.

In the workshop, Dhanni Bai acquired an insight of banking, micro insurance and Mudra

scheme. Dhanni Bai emerged out as one of the successful lady in her area, Dhanni Bai not

only participated in financial literacy workshop, but also served as a community-based

facilitator. She motivated the women from vulnerable community of her nearby locality and

as a result of her encouragement, she opened 30 bank accounts, linked them with micro

insurance schemes like Pradhanmantri Jeevan Suraksh Bima and Pradhanmantri Jeevan Jyoti

Bima Yojna and some of them applied for Pradhanmantri Mudra Yojna for their own business

set-up. Dhanni Bai is continuing spreading awareness and knowledge of banking services to

the nearby areas women.

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Schedule of Cluster Trainings (Bhilwara) Second Phase

S. N Date Cluster Block District Phase Participants

Women Men Guests Total

1 15.12.17 Gurla Suwana Bhilwara II 51 0 3 54

2 19.12.17 Rayla Banera Bhilwara II 66 5 9 80

3 27.12.17 Bigod Mandalgarh Bhilwara II 68 0 2 70

4 30.12.17 Koshithal Sahada Bhilwara II 49 0 5 54

5 09.01.18 Sangariya Shahpura Bhilwara II 56 0 9 65

6 11.01.18 Khajoori Jahajpur Bhilwara II 60 0 6 66

7 16.01.18 Rupaheli

kala

Hurda Bhilwara II 68 0 6 74

8 18.01.18 Mod ka

Nimbahera

Asind Bhilwara II 78 0 8 86

9 22.01.18 Mokhunda Raipur Bhilwara II 59 0 6 65

10 25.01.18 Bagor Mandal Bhilwara II 55 0 6 61

11 06.02.18 Tilaswan Bijoliya Bhilwara II 65 0 6 71

12 20.02.18 Paroli Kotdi Bhilwara II 70 0 7 77

Total 745 05 73 823

Trainings of Second Phase (Bhilwara)

There have been as many as 12 Gram Panchayat level cluster trainings under the first

phase of training as prescribed in the project activities between December, 2017 to

February, 2018. All these cluster meetings covered all the topics as mentioned below. The

resource persons also shared some facts and information about banking sector and

financial literacy/inclusion and challenges faced by financial consumers.

From above table, it is evident that out of 823 people that got benefitted from the meetings,

745 comprised women participants.







following topics:

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Process of opening of bank accounts significance of transactions after activation of

bank account

Opening savings account and KYC


Atal Pension Yojna

Mudra Yojna

Personal and SHG loan process

Grievance redressal

Resolving queries of the participants

Determination of further action plans and responsibilities



various banks, officials from local NABARD office; officials from Financial Literacy Centres

of Bank of Baroda and few other banks have been the key resource persons. Besides,

representatives of Panchayati Raj Institutions and local MLAs have also been participating

in these programmes in the capacity of guests.

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Glimpses

(Second Phase)

20

Achievements

Applications were received from four women Pradhanmantri Jeevan Suraksha

Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Malikheda of Kotri block.

Applications were received from six women applied for Pradhanmantri Jeevan

Suraksha Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Nehru Nagar Kotri

block

Applications were received from three women for Pradhanmantri Jeevan Suraksha

Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Kholpura of Kotri block

Applications were received from four women applied for Pradhanmantri Jeevan

Suraksha Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Dhunwala of

Mandal block

Applications were received from four women for Pradhanmantri Jeevan Suraksha

Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Mandal block Headquarters

Applications were received from four women for Pradhanmantri Jeevan Suraksha

Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Gurla of Suwana block

An application was received from a women MUDRA Yojna in Gurla of Suwana block

Applications were received from three women for Pradhanmantri Jeevan Suraksha

Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Dhunwala of Mandal block

Applications were received from five women for Pradhanmantri Jeevan Suraksha

Beema Yojna and Pradhanmantri Jeevan Jyoti Beema in Mandal block Headquarters

Nearly 30 bank accounts were opened in various banks by CBF Dhannibai in

Shahpura block

Success Story

Pondras Comprehensive Financial Literacy Campaign

Pondras, a small village of Rupaheli Gram Panchayat of Suwana block in Bhilwara District,

which is 17 km from Bhilwara District headquarter. Before the training, the village community

was not much aware with financial schemes implemented by the government. CUTS Centre for

Human Development organise its first Financial Literacy workshop in Suwana block, the women

of Pondras village participated in the workshop, and they acquired awareness of financial

schemes by financial experts of banks.

In addition, they also acquired

relevant financial information as it

empowers people of lower income

group financially. After attending

the workshop on September 19,

2017 in Suwana block. About 10

women and men opened the bank

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account, and 15 women were linked with micro insurance schemes. CUTS Centre for human

development also targeted that Pondras should be a model village in financial literacy in the

district. So CUTS Center for human development conducted a base survey of Pondras village

over 318 people, to know the status of awareness level of such financial schemes, CUTS find

out on the findings of survey that people are less aware some of financial schemes and not

very initiative to avail banking services.

CUTS started a campaign named ‘Comprehensive Financial Literacy Campaign’ to link 100

percent target Community with such financial schemes. Endless efforts are being made to

convert Suwana to total financially literate till December 2018.

Periodic Meetings for Consumer Groups

After completing 24 cluster trainings 12 periodic meetings were accomplished in Kotri,

Mandal, Suwana, Dhunwala, Gurla, Iras, Mandalgarh, Bijoliya, Tilaswan, Shahpura,

Jahajpur, Jeevliya and Sangariya villages and blocks. Meetings were held in these places.

22

Glimpses

(Periodic Meetings)

23

Resource Persons District-Bhilwara

S.N. Name Post Department P.S. District

1 Mr R S Prajapati BDO Panchayati Raj Suwana Bhilwara

2 Mr SQM Ali D M Labor Dept. Bhilwara Bhilwara

3 Mr J K Chaudhary Asst. Manager Bank of Baroda Suwana Bhilwara

4 Mr R C Meena Director RUDSET Sansthan Suwana Bhilwara

5 Mr Amardeep Singh Programme Officer CUTS CART Jaipur Jaipur

6 Ms Anita Verma APO Panchayati Raj Suwana Bhilwara

7 Mr George Cheriyan Director CUTS International Jaipur Jaipur

8 Mr Dinesh Kumar PPO Panchayati Raj Suwana Bhilwara

9 Mr Pukhraj Nahar FLC Bank of Baroda Bhilwara Bhilwara

10 Mr Parakram Singh Ex MLA , Sarpanch Panchayati Raj Banera Bhilwara

11 Mr Jagdish Gagrani PPO Panchayati Raj Banera Bhilwara

12 Mr Pukhraj Nahar FLC Bank of Baroda Bhilwara Bhilwara

13 Mr Dinesh Charan Branch Manager Bank of Baroda Sahada Bhilwara

14 Mr Ram Singh Principal R.E.S. Sahada Bhilwara

15 Mr Pawan Bangad Branch Manager Bank of Baroda Shahpura Bhilwara

16 Mr Ramraj Meena Principal R.E.S. Shahpura Bhilwara

17 Mrs Archana Maurya BDO Panchayati Raj Jahajpur Bhilwara

18 Mr Shivji Ram Pradhan Panchayat Samiti Jahajpur Bhilwara

19 Mrs Karma Jat Programme Officer MNAREGA Jahajpur Bhilwara

20 Mr Raju Meena Assistant Manager Bank of Baroda Jahajpur Bhilwara

21 Mr Jagdish Prasad Sharma

BDO Panchayati Raj Kotdi Bhilwara

22 Mr Neeraj Gurjar Social Worker Kotdi Bhilwara

23 Mrs Suman Jingar Sarpanch Gurla Panchayati Raj, Gurla Suwana Bhilwara

24 Mr PK Saikda Branch Manager BRKGB Gurla Suwana Bhilwara

25 Mr Dilip Nuwal Social Worker Rayla Banera Bhilwara

26 Mr Jitendra Singh Branch Manager SBI Rayla Banera Bhilwara

27 Mr Shivdayal Cheepa Sarpanch Panchayati Raj. Rayla Banera Bhilwara

28 Mr KP Kogta Public Representative

Rayla Banera Bhilwara

29 Mr Deepak Saxena Assistant Director CUTS CART Jaipur Bhilwara

30 Mr Dheer Singh Program Associate CUTS CART Jaipur Bhilwara

31 Mr Prem Kumar Branch Manager Union Bank Of India, Bigod

Mandalgarh Bhilwara

32 Mr Dinesh Arya Rojgar Sahayak Gram Panchaya,t Bigod Mandalgarh Bhilwara

33 Mr D S Solanki Branch Manger BRKGB Kosithal Sahada Bhilwara

34 Mr Uday lal Jat LDC Gram Panchayat, Koshithal

Sahada Bhilwara

35 Mr Goverdhan Jat Sarpanch Gram Panchayat, Sahada Bhilwara

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S.N. Name Post Department P.S. District

Koshithal

36 Mr Ramdhan Jat Secretary BRKGB Sangariya Shahpura Bhilwara

37 Mr B P Sarswat Branch Manger BRKGB Sangariya Shahpura Bhilwara

38 Mr Sawarmal Gurjar Sarpanch Gram Panchayat, Sangariya

Shahpura Bhilwara

39 Mr Abhishek Padliya PA RSLDC Shahpura Bhilwara

40 Mr Sitaram Gurjar Secretary Gram Panchayat, Khajoori Jahajpur Bhilwara

41 Mrs Jyoti Pareek Sarpanch Gram Panchayat, Khajoori Jahajpur Bhilwara

42 Mr P K Maheshwari Branch Manger BRKGB Khajoori Jahajpur Bhilwara

43 Mrs Rajiya Begum L S ICDS Khajoori Jahajpur Bhilwara

44 Mrs Gaytri Devi Sarpanch G P Rupaheli Hurda Bhilwara

45 Mrs Asha Garg L S ICDS Rupaheli Hurda Bhilwara

46 Mr Bhavesh Bhargav Branch Manger BOB Rupaheli Hurda Bhilwara

47 Mr Narendra Singh Social Worker Rupahelikala Hurda Bhilwara

48 Mr Shankarlal Bheel Sarpanch GP Mod ka Nimbahera Asind Bhilwara

49 Mr Mahesh Meena Branch Manger Central Bank Of India MKN

Asind Bhilwara

50 Mrs Shashikala Pareek

Gram Sathin ICDS MKN Asind Bhilwara

51 Mr Gopal Soni Sarpanch Gram Panchayat, Mokhunda

Raipur Bhilwara

52 Mrs Pratibha Soni L S ICDS Mokhunda Raipur Bhilwara

53 Mr R K Sharma Branch Manger BRKGB Mokhunda Raipur Bhilwara

54 Mrs. Ganga Kheechi L S ICDS Bagor Mandal Bhilwara

55 Mrs Jyoti Devpura Sarpanch Gram Panchayat, Bagor Mandal Bhilwara

56 Mr O P Palsaiya Branch Manager BRKGB Bagor Mandal Bhilwara

57 Mr. Ganesh Sain MNAREGA GP Tilaswan Bijoliya Bhilwara

58 Mr Vishnu Nagar Assistant Manager BRKGB Kasyankala Bijoliya Bhilwara

59 Mr Rajkumar Sain Sarpanch Gram Panchayat, Tilaswan Bijoliya Bhilwara

60 Mr Prithviraj Meena Bank Mitra BRKGB Kasyankala Bijoliya Bhilwara

61 Mrs Sushila Sharma LS ICDS Kotdi Kotdi Bhilwara

62 Mrs Renu Sodani Panchayat Sahayak

Gram Panchayat, Paroli Kotdi Bhilwara

63 Mr Balu lal Soni PEO Panchayati Raj Kotdi Bhilwara

64 Mrs Renu Sodani Panchayat Sahayak

Gram Panchayat, Paroli Kotdi Bhilwara

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Highlights

The 46 cluster trainings covered all the themes as mentioned below. The resource persons

also shared some facts and information about banking sector and financial

literacy/inclusion and challenges faced by financial consumers. From the above Table, it is

evident that 3448 people have been benefited from the meetings, out of which 2891 were

women participants.

Outcomes in Chittorgarh and Bhilwara

350 women applied for Prime Minister Jeevan Suraksha Yojna

200 women applied for Pradhanmantri Jeevan Jyoti Beema Yojna

100 women got registered for Atal Pension Scheme

55 Women got registered for MUDRA Yojna

100 labour card issued to the project beneficiaries

40 new savings account opened in various banks

Conclusion

Need for connecting women with education, employment and finance came out

Positive dialogue with local bankers and women was established

Providing banking services information and easy access to women

Block level officers, positive thinking and cooperation towards the programme

Women were observed to be more aware and availing banking and insurance

Banking services information and easy access to women

Block level officers, positive thinking and cooperation towards the programme

Women are becoming aware, and started to take care of banking and insurance

services

PRIs and Block Level Officer along with banker supporting to this awareness

programme activities

26

Media Coverage

Financial Consumer Protection - CUTS Cart

Documents

Transcript of Financial Consumer Protection - CUTS Cart