Livelihoods
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
welfare schemes
Participation Rate (FLFPR)
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
welfare schemes
Participation Rate (FLFPR)
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
Network of
Expertise
Data-Driven
Insights
Sustainable
Impact
Compliant to
Catalytic CSR
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.
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.
Latest News
- November 2, 2023
- October 3, 2023
In India, the need for skilling initiatives is paramount, as they hold the key to equipping individuals with the essential
- March 2, 2022
- February 2, 2022
- January 13, 2022
COVID-19 and the subsequent lockdown severely impacted artisans across the country. A KPMG study estimated that approximately 7.3 million people
- November 23, 2021
- November 18, 2021
- October 21, 2021
- October 21, 2021
- October 4, 2021
