• Empowering Self Help Group members through democratization of their data
  • nrlm

The National Rural Livelihood Mission (NRLM) is a federated program that is run via various State Missions and a tiered network of community institutions. NRLM boasts of a large human resource pool of community members, Mahila Kisans, cadres spread across 646 districts in India.

Government has funded over 6,000 crores to SHGs in terms of Revolving Fund (RF) and Community Invest Fund (CIF). Additionally, 42 lakh SHGs have availed bank loans of over 61,000 crores. NRLM is enabling capacity development of Community Based Organizations (CBOs) by leveraging a cadre network on book keeping, community development, Panchasutras, livelihood generation and adoption programs.

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CDFI is developing an Operating System for SHGs and their federations to:
  • Register members, create CBOs and capture & validate their information
  • Manage operations such as attendance, savings, loan disbursal, repayments, book-keeping and other financial activities
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LokOS will act as single source of up-to-date and validated data for NRLM/SRLM
  • Register members, create CBOs and capture & validate their information
  • Manage operations such as attendance, savings, loan disbursal, repayments, book-keeping and other financial activities
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Channel to share data with other depts., FIs and service providers
  • Ensure coverage of member households under eligible schemes
  • Provide access to affordable credit, insurance and payment services

Features of LokOS

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Stakeholder wise benefits of LokOS

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  • LokOS with SHG profile data capture successfully piloted across 4 blocks in Uttar Pradesh, Uttarakhand, Haryana & Meghalaya capturing details of 4,400 SHGs
  • Profile data capture training in batches conducted by NRLM for 34 states/UTs in Delhi, Agartala and Bengaluru
  • Transaction based module to capture attendance, savings, loan repayment, disbursements etc also being piloted
  • Thematic application for Producer Groups, Project Management & adoption, Training Management & Cadre Management also being developed
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LokOS mobile app for Profile & Transactions data capture