Page 57 - Shelter-October-2022

POLICY REVIEW

Chart 2: Coverage of prompt reporting and encourage banks to
PMSVANidhi resolution/ assessment minimize cases of
of issues . go-slow approach,
vii
persuasion of USVs
6. PMSVANidhi also and communities to
provided convergence use digital transactions,
and synergy with welfare extension of another
schemes. Eight schemes tranche to beneficiaries
covering insurance, if required and further
health and social security integration of USVs with
were brought under the formal sector in the
one umbrella to enable economy (Box 1).
prosperity of USVS from
the scheme ‘SVANidhi se Outcome
Samriddhi’ . 8. The scheme has shown
viii
Source: MoHUA, 13 September, 7. Speed of disbursement multiple easing to
th
2022
needs to be further USVs (working capital,
reported by the Ministry improved during the subsidies/incentives
in September 2022 . extension period to and access to welfare
vi
schemes).
Chart 3: Speed of Disbursement
3. 40% beneficiaries are
women indicating a 9. It has ensured door to
major step on gender door delivery of basic
equity. amenities in a regular
manner (vegetables,
4. Coverage of 4, 604 ULBs fruits, street food, tea/
which includes almost all snacks, textile, apparel,
the statutory towns. artisan products, barber
services, cobblers, pan
Speed products, laundry

5. It is further striking Source: MoHUA, 20th June, 2022 services etc) during hard
to note that 94% (3.08
million) of application Box 1: Potential Barriers and Corrections
sanctioned (3.219 million)
have been disbursed the The barriers and potential corrections are equally important. As
loan. These cover 76% of reported by urban functionaries attending IIPA course, there is a
need to engage Banks further to expedite the processing of second
eligible applicants with and third tranche of working Capital loan.
a record disbursement
of Rs.29540 million (13 It is observed among several towns that ‘delay’ in the processing
September, 2022) (Chart discourages the USVs to repeatedly approach banks at the cost of
3). MoHUA launched its their daily income. As the situation is nearing normal the Urban
Local Bodies (ULBs) should be able to spare more time to facilitate
web portal dedicated to USVs for further consolidation and expansion.
PMSVANidhi on 29 June,
2020 and Mobile App Further, the USVs and community should be encouraged to use
was launched on July digital transactions which are safe and secure and positive for
17, 2020. It facilitated hygiene purpose.

October, 2022, Volume 23. No.2 - SHELTER 55