Bank sakhis help villagers get lockdown financial relief
In villages that lack banking facilities, banking correspondents carry out related work as banks’ representatives. They have been instrumental in beneficiaries receiving their lockdown welfare support
Amidst
the lockdown it is more than a busy day for Indurani Murmu of Hesopara village in
Gola administrative block in Ramgarh district. When citizens across the country
were staying indoors for fear of contracting the coronavirus, she, as a banking
correspondent, has been going to the bank near Gola block office, which is
nearly 15 km from her village.
When
she has to go to the bank, she starts at 8 am. Depending on the work and time
she spends waiting so as to avoid the sun, she reaches home in the evening,
latest by 7 pm. It is somewhat easy for her when she has to visit the houses in
her village and those nearby.
She
visits houses of members of self-help groups and village organizations to
complete work related to their bank accounts. Indurani Murmu and many banking
correspondents and bank sakhis like her have been bridging the banking divide
during the pandemic.
SHGs’
lockdown support
The
National Rural Livelihood Mission (NRLM) under the Ministry of Rural
Development has supported the creation of self-help groups (SHGs) across the
country. The 6.3 million SHGs spread across the states have helped bring women
together, to empower them and the society.
Approximately
69 million women of the SHGs help each other by doing collective savings,
promoting livelihood activities and giving emotional and financial support when
needed. They also work with the panchayat at the village level on various
development issues.
In
the administration’s fight against COVID-19, these SHG women have come forward
to offer support. The SHG women willingly help in whatever way they can, to
keep rural India sustain itself during this coronavirus crisis.
Bank
sakhis
From
among the SHG members, some women are selected to handle banking related
matters of their SHG. They are generally called as bank sakhis. The primary
responsibilities of the bank sakhi are deposits, withdrawals and disbursement
of funds among the SHG women on normal days.
They
also do a timely audit of their SHGs for keeping transparency in their
transactions. Sometimes the promoting organizations train the bank sakhis to
handle works related to the bank. For the bank also it becomes easier as the
bank sakhis are well aware of their work and coordinate with the villagers.
Apart
from handling the accounts of SHGs, the bank sakhis also assist in registration
and withdrawal of government-allocated funds for old age pension scheme, widow pension
scheme and differently-abled pension scheme whose beneficiaries are most often
unable to do so by themselves.
Sakhi
support
Rajjo
Devi (73) lives with her daughter-in-law and grandson in Hesopara village. Her
son, the only earning member of the family, lost his job as a laborer at a
construction site in Ahmedabad and stopped sending money to the family during
the lockdown. He was also not in a position to come back to the village.
“Because
of Indurani I got Rs 1,500 cash from the old age pension scheme,” Rajjo Devi
told VillageSquare.in.
“I had been trying to get the amount since the lockdown started. Since Indurani
got me the money, my family is able to manage without my son’s support.”
Banks’
representatives
As
a COVID-19 relief measure, the government announced a Direct Benefit Transfer (DBT)
of Rs 500 in the Jan Dhan accounts of women. This came as a boon for millions
of rural poor of the country. There was an expected rush at the bank due to the
release of this DBT fund.
Just
like Indurani Murmu, 8,800 banking correspondents and 21,600 bank sakhis are
working across the country during lockdown and supporting bank administration
in managing customer rush at branches during DBT payment and ensuring social
distancing.
These
women have become the primary source of information dissemination in rural
areas, about the financial provisions announced by the government. In some
places, the bank sakhis get a nominal remuneration for their work, but most of them
offer voluntary service.
In
rural localities where operating regular branches are not feasible, the banks
provide banking services through a bank kiosk center. The banking
correspondents or bank sakhis manage the kiosks. The doorstep service that the
sakhis provide at this juncture helps keep the distressed poor stay fed.
Overcoming
challenges
“In
the initial days, when lockdown started, I was struggling to do my work as a
bank sakhi since the villagers were apprehensive about trusting me with money-related
work,” Indurani Murmu told VillageSquare.in.
Sometimes
police personnel stopped her when she was on her way to the bank or while
visiting beneficiaries. Later, when the lockdown guidelines were eased, the
bank issued her an identity card so that she could continue her work without difficulties.
Indurani
Murmu said that she always takes proper care with regard to hygiene and
maintains physical distancing in public. The villagers see her as a woman working
selflessly and fearlessly during this pandemic and hail her as a corona
warrior.
Gyanesh
Nanore is a researcher at VikasAnvesh Foundation. Views are personal.