NABARD Student Internship Scheme
NABARD provides an opportunity to students who have completed their first year of
post-graduate studies in courses of Agriculture, Agri-business, Economics, Social
Studies and Management to undertake short term task/ projects/ studies of 8-12 weeks
duration that are useful and relevant to NABARD while at the same time benefit student
from expert monitoring and an opportunity to work for the nation’s apex rural development
bank.
SIS 2017-2018 :Ms.Sweta Shukla, student pursuing MBA in Rural Management in BabasahebBhimraoAmbedkar
University, Lucknow, conducted an Impact Assessment of Financial Literacy Programmes
in Raebareli district. covering 120 rural inhabitants of 22 villages in 8 blocks.
The Study was undertaken under the guidance of mentor – Shri. Sanjay K. Talukdar,
DGM/FM at NBSC, Lucknow.
The major findings of the study are :
- Large section of the people in rural areas of Raebareliis still not financially
literate or they are partially literate.
- People of low income are not showing their interest in participating in financial
literacy camps conducted by banks and other financial institutions because they
don’t see much hope to be included in financial services
- People are still unaware of various government schemes and financial services provided
by government
- They think that ATM and Digital transactions are unsafe for money transaction.
- Most of the people surveyed were the participants of financial literacy camps of
last two years and they told that financial literacy programs mainly focused on
some key financial services like:- KYC guidelines / AADHAR linkage program/Mobile
number linkage, PMSBY, PMJJBY, APY, KCC Loan, Crop insurance, Digital payments.
- People doing non-farm activities are more aware about different financial services
mostly remittances and payments procedures
- Extremely poor people having income less than 30,000 pa. are not aware of documentation
required for opening and operating bank account. They operate their account with
the help of bank officials.
- Extremely poor people having income less than 30,000 pa. are not aware of insurance
but have enrolled for PMSBY because it is only of 12 Rs./year scheme which is adjustable
by them as they told.
The major recommendations of the Studyare :
- As road to total financial inclusion as propounded by Govt. of India, RBI, NABARD
is still very long, it requires sustained effort from all stakeholders and agencies
involved in financial inclusion and literacy initiatives for achieving the goal
- While literacy programmes have really helped the people in improvement in awareness
level to a reasonable level as per the feedback from the people, much remains to
be done in helping rural people to take an informed decision for securing the financial
future of self and dependents.
- Financial literacy efforts are to be intensified so as to achieve its fullest objective.
- Financial Literacy is not a one day affair.
- Sustained and focused efforts from the supply side stakeholders is essential.
For complete study report, contact NBSC, Lucknow by email at nbsc@nabard.org SIS
2018-19 :
Ms.RajniKumari, student pursuing Msc (Agri) in Benares Hindu University, Varanasi,
conducted a study on the topic ‘Climate Change – Farmers perception and Responses
in Bundelkhand Region of Uttar pradesh’, covering 50 farmers of two villages in
two blocks of Jhansi District.
The major findings of the study are :
- Farmers perceive climate change in terms of onset and withdrawal of monsoon, change
in distribution of rainfall, rising temperatures, etc.
- The perceptions of farmers corroborate with the IMD data
- Variations were observed in the two villages in the manifestation of climate change
- General perception is that the claimate change is due to human activities.
- Large section of the people in rural areas of RaeBareli are still not financially
literate or they are partially literate.
The major recommendations of the Study are :
- Development of early warning systems
- Enhancing preparedness for drought monitoring, drought mitigation
- Capacity building of farmers, policy makers, NGos, media, etc
- All development programmes need to have climate change orientation
For complete study report, contact NBSC, Lucknow by email at nbsc@nabard.org