The highlights of few innovative activities introduced by RMK for which micro-credit can be extended
 

ASSISTANCE FOR LAND ACQUISITION LAND REDEMPTION AND LAND LEASING

A scheme to enable women member for acquiring a peace of land either for her residential purposes or for cultivation. She can also avail loan for redemption of mortgage property or to take land on lease. The group may also avail the loan for undertaking lease of a common plot of land / pond / similar kind of properties from PRIs/State Government or from any individual for undertaking income generating activities on group basis under Main Loan/Loan Promotion/Revolving fund/Gold Credit Card schemes etc.

 

ASSISTANCE FOR HEALTH AND OTHER CONSUMPTION NEEDS

Recognizing the importance of health and other small consumption needs it has been envisaged that a component of consumption credit will be included in the loan profile. This will help the member to meet the expenditure for herself or her family member in case of excegencies, hospitalization or other emergent need under Main Loan/Loan Promotion/Revolving fund/Gold Credit Card schemes etc.

 

SUPPORT FOR SKILL UPGRADATION

The focus of this scheme is on exploiting newly emerging opportunities in I.T. sector (call center attendance, cyber cafes, data entry operators) as well as developing skill in traditional service occupations (house keeping, garment designing/fabrication) under Main Loan/Loan Promotion/Revolving fund/Gold Credit Card schemes etc..


SUPPORT FOR CROP CREDIT

Credit for assisting the women members in crop production, land improvement, post harvest infrastructure and related activities under Main Loan/Loan Promotion/Revolving fund/Gold Credit Card schemes etc.

 

SUPPORT FOR OFF-FARM ACTIVITIES

Support under the scheme is focused in districts with high percentage of landless families. The women member are supported for off-farm livelihood such as trading, marketing, linkages to the other sectors along with training and escort services under Main Loan/Loan Promotion/Revolving fund/Gold Credit Card schemes etc..

 

Micro-credit can be extended for the following activitis:-

Individual Activities

Farming Activities

crop cultivation
horticultural plantation
floriculture, herbal & medicinal plantation

Allied Activities

dairy and poultry farming
goat and sheep rearing
sweet fish farming
dock rearing

Agricultural term loan

dug-well
pmp set
land development
bullock, bullock cart
agicultural implements
purchase of fertilizer insecticide
pesticide and organic manures

Non-farm activities

Basket making
cloth business
tea shop
fish & vegetable vending
bangles
flower & fruit selling
jute bag making
leaf plate making
badi, papad and gud making
paper packet making
pickle & squash making
rope & mat making
paddy processing
tailoring & embroidery
knitting & weaving
handloom handicraft

Group Activities


lease of land for cultivation of cash crops
horticultural plantation

herbal & medicinal plantation
flower cultivation

lease of fruit orchards like banana, mango, coconut, jack fruit, orange, cashew nut etc.

medium size diary poultry

goat, sheep, pig and duck farming

provision stores

fertilizer, inscticide, pesticide shops

prawn & fish farming

Govt. ration shop

construction and repairing of village roads

renovation of ponds, cummunity halls

PCO / STD booths

kiosks and internet centres

coaching & training centres

garment manufacturing

weaving & knitting units

agri & veterinary clinic

service centres

other village and cottage industries