NABARD - Student Internship Scheme 2016-2017 - page 48

Summary No-19
Profile of the Student:
Name: Dhruti Vyas
Degree Programme: MBA (International Agri-Business)
University/ Institute: International Agri-Business Management Institute, Anand
Agricultural University, Anand
Profile of the Mentor:
Name: Ashwani Kumar
Designation: DGM
Department: DFIBT, IDD, DOR-ST
Name of Regional Office: Gujarat (Ahmedabad)
Objective of the study:
1. To assess the status of housing in rural areas: Demand-Supply, Kachha-Pucca, etc.
2. To examine the institutional support for financing the rural housing needs and flag the issues/
3. To examine the government initiatives/schemes for supporting construction of houses in rural areas
and flag the issues/lacunae/hurdles in implementation of the scheme, and
4. To suggest measure to overcome these issues/hurdles.
Sample State/ Distt/ Blocks/ Villages: Survey was carried in Morpura, Vasaipura, Valipura, Palaswada
& Bhilapur villages of Dabhoi Block and Lakshmipura, Sangma, Dabhasa, Tajpua & Latipura villages of
Padra block of Vadora districts of Gujarat.
Sample Size:-
25 beneficiaries under govt. Scheme, 50 non-borrower (other source of finance) and
50 borrowers from banks. Total -125
Major Findings:
1. As per Census of India 2011, there is a phenomenal growth in construction of houses and the gap
between households and housing stock is narrowing down.
2. There is an improvement in share of pucca houses from 31.4 % in 2001 to 44.9 % in 2011. 71.6% of
households live in houses with one or two rooms. Ownership status of houses is better in rural areas
than urban areas which is 94.7% and 69.2% respectively. Access to household amenities like toilet
facilities, drinking water, electricity are also increasing in rural areas from 21.9%, 80.5%, 43.5% in
2001 to 30.7%, 87%, 55.3% in 2011 respectively.
3. There are 880 thousands households in Vadodara district out of which 418 thousands are under
rural households and 183 thousands are BPL households. Nearly 62% households have latrine
facility in their premises.
4. Out of 50 farmers surveyed, who are not taking housing loan but are availing other type of credit
from both institutional and non-institutional sources, 62% are taking credit from institutional
sources mainly crop loans and 38% are taking credit from non institutional sources.
5. Major microfinance Institutions in rural areas of Vadodara district are Janlakshmi, Survoday,
Bandhan, etc. They are involved in providing Group loan, personal and business loan. Interest rate
charged by the MFIs varies between 25-27% normally. .
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