Livelihoods

Enabling economic independence for individuals and households
Enabling economic independence for individuals and households

Our Impact So Far

+15,000

Merchants

677

Street vendors

+10,047

Micro-entrepreneurs

+3,223

Artisans

679

Beauty-preneurs

+15,000

Merchants

677

Street vendors

+3,223

Artisans

679

Beauty-preneurs

+10,047

Micro-entrepreneurs

Need for enhanced livelihoods in India

630M

unincorporated non-agricultural enterprises

96%

Micro-enterprises with annual turnover of less than INR 10 million (INR1Cr)

80%

Micro-enterprises with annual turnover of less than INR 1 million (INR 10 lakhs)

20%

of these are mostly home based, women-owned enterprises.

90%

of Indian workers employed in the informal economy

430M

informal workers in the unorganised sector

630M

unincorporated non-agricultural enterprises

96%

Micro-enterprises with annual turnover of less than INR 10 million (INR1Cr)

80%

Micro-enterprises with annual turnover of less than INR 1 million (INR 10 lakhs)

20%

of these are mostly home based, women-owned enterprises.

90%

of Indian workers employed in the informal economy

430M

informal workers in the unorganised sector

Need for enhanced livelihoods in India

Challenges to generating livelihoods

There is a massive credit gap of $530 billion in the MSME sector in India. Out of more than 64 million MSMEs, only 14% have access to credit. 

47% of the debt demand is unaddressable as it comes from "enterprises which are not financially viable or prefer financing from informal sources.”

Only 6% of all MSMEs actively sell on e-commerce platforms. Owing to the informal nature of businesses, entering and navigating the market can be a daunting task. Limited market knowledge and resources exacerbate the challenges. 

The Indian government spends over 7% of its GDP on welfare services. But there’s still a huge gap in the demand and supply, resulting in unspent funds

India’s FLFPR is abysmally low at 23%, as compared to other emerging economies like Vietnam (~70%). while more women have a bank a/c now, with no gender gap, the number of women aged 15-49 who have money that they can decide how to use has grown very tepidly, from 44.6% to 51.2% between NFHS-3 IN 2005-06 and NFHS-5 IN 2019-21.

Challenges to generating livelihoods

There is a massive credit gap of $530 billion in the MSME sector in India. Out of more than 64 million MSMEs, only 14% have access to credit. 

47% of the debt demand is unaddressable as it comes from "enterprises which are not financially viable or prefer financing from informal sources.”

Only 6% of all MSMEs actively sell on e-commerce platforms. Owing to the informal nature of businesses, entering and navigating the market can be a daunting task. Limited market knowledge and resources exacerbate the challenges. 

The Indian government spends over 7% of its GDP on welfare services. But there’s still a huge gap in the demand and supply, resulting in unspent funds

India’s FLFPR is abysmally low at 23%, as compared to other emerging economies like Vietnam (~70%). while more women have a bank a/c now, with no gender gap, the number of women aged 15-49 who have money that they can decide how to use has grown very tepidly, from 44.6% to 51.2% between NFHS-3 IN 2005-06 and NFHS-5 IN 2019-21.

The Samhita-CGF approach

1. Access to skills,trainings and Schemes

Provide access to sectoral skills, financial & digital inclusion training, and social security schemes

2. Enable business formalisation

Providing business formalisation support
to entrepreneurs

4. Access to market linkages

Provide access to market linkages through onboarding
support on the ONDC

3. Access to Finance

Provide access to credit through pre-credit score and
Credit guarantee backed loans

1. Access to skills,trainings and Schemes

Provide access to sectoral skills, financial & digital inclusion training, and social security schemes

2. Enable business formalisation

Providing business formalisation support
to entrepreneurs

3. Access to Finance

Provide access to credit through pre-credit score and
Credit guarantee backed loans

4. Access to market linkages

Provide access to market linkages through onboarding
support on the ONDC

The Samhita-CGF Advantage

Tailored
Interventions

We believe in understanding the specific needs and contexts of entrepreneurs. Our programs are designed with a personalized approach, providing bundle of interventions, ensuring they resonate with the people we serve.
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Network of
Expertise

Samhita-CGF leverages a network of experts and partners across various sectors. This collaborative ecosystem enables us to tap into a wide range of knowledge and resources.
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Data-Driven
Insights

We employ data-driven methodologies to assess, plan, and implement our livelihood programs. This ensures that our interventions are targeted, efficient, and yield measurable results.
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Sustainable
Impact

Our commitment to sustainability extends beyond short-term gains. We aim to create lasting impacts that empower communities to sustain their livelihoods independently.
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Compliant to
Catalytic CSR

Our success with REVIVE makes us believe that Indian corporates are open to more innovative approaches in their CSR financing, including blended finance instruments, , to expand the share of their operations and financing to more poorer states.
Know More

The Samhita-CGF advantage

We believe in understanding the specific needs and contexts of entrepreneurs. Our programs are designed with a personalized approach, providing bundle of interventions, ensuring they resonate with the people we serve.

Samhita-CGF leverages a network of experts and partners across various sectors. This collaborative ecosystem enables us to tap into a wide range of knowledge and resources.

  • We employ data-driven methodologies to assess, plan, and implement our livelihood programs. This ensures that our interventions are targeted, efficient, and yield measurable results.
  • We are also creating indices such as the Income Index, Resilience Index, Economic Empowerment Index, and Women’s Economic Empowerment Index specifically to gauge the social and business impact and gain key insights into the effectiveness of the programs on an entrepreneur’s economic progression.

Our commitment to sustainability extends beyond short-term gains. We aim to create lasting impacts that empower communities to sustain their livelihoods independently.

Our success with REVIVE makes us believe that Indian corporates are open to more innovative approaches in their CSR financing, including blended finance instruments, , to expand the share of their operations and financing to more poorer states.

Livelihoods

    The Samhita-CGF advantage

    We believe in understanding the specific needs and contexts of entrepreneurs. Our programs are designed with a personalized approach, providing bundle of interventions, ensuring they resonate with the people we serve.

    Samhita-CGF leverages a network of experts and partners across various sectors. This collaborative ecosystem enables us to tap into a wide range of knowledge and resources.

    • We employ data-driven methodologies to assess, plan, and implement our livelihood programs. This ensures that our interventions are targeted, efficient, and yield measurable results.
    • We are also creating indices such as the Income Index, Resilience Index, Economic Empowerment Index, and Women’s Economic Empowerment Index specifically to gauge the social and business impact and gain key insights into the effectiveness of the programs on an entrepreneur’s economic progression.

    Our commitment to sustainability extends beyond short-term gains. We aim to create lasting impacts that empower communities to sustain their livelihoods independently.

    Our success with REVIVE makes us believe that Indian corporates are open to more innovative approaches in their CSR financing, including blended finance instruments, , to expand the share of their operations and financing to more poorer states.

    Livelihoods

      The Power of Partnerships

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