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
2
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.
3
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.
4
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.
6
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.
7
Schedule of Cluster Trainings
(Chittorgarh)-Phase-II
S.N. Date Cluster Block District Phase Participants
Women Men Guest Total
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
8
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
Key Resource Persons as Speakers/Guests
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.
10
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.
11
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)
12
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
13
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
Women Men Guest Total
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.
14
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:
Process of opening of bank accounts significance of transactions after activation of
bank account
Opening savings account and KYC
Micro insurance plans and importance of pension
Atal Pension Yojna
Mudra Yojna
Personal and SHG loan process
Grievance redressal
Resolving queries of the participants
Determination of further action plans and responsibilities
Key Resource Persons as Speakers/Guests
In all the programmes, officials like Block Development Officers; Branch Managers of
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.
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.
17
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.
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:
18
Process of opening of bank accounts significance of transactions after activation of
bank account
Opening savings account and KYC
Micro insurance plans and importance of pension
Atal Pension Yojna
Mudra Yojna
Personal and SHG loan process
Grievance redressal
Resolving queries of the participants
Determination of further action plans and responsibilities
Key Resource Persons as Speakers/Guests
In all the programmes, officials like Block Development Officers; Branch Managers of
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.
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
21
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.
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
24
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
25
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
Top Related