e-Financial Inclusion & Livelihood, Winner 2012
AISECT has partnered with the Government for setting up 2926 Common Service Centers (CSCs) in Madhya Pradesh, 1487 in Chhattisgarh and 585 CSCs in Punjab as banking services increasinglybecomeing a basic social and economic necessity,AISECT currently works as a Business Facilitator (BF) as well as a National Business Correspondent (BC) for State Bank of India. Under the Financial Inclusion Scheme,AISECT is extending hassle-free savings, loan facilities and other banking services at an affordable cost to the under privileged and unbanked population. The twin objective is to ensure greater financial inclusion and increasing the outreach of the bank combined with the need tosubstantially increase the market share in the rural and semi urban areas. The servicesdelivered by AISECT Centers acting as BCs include account opening in CSC Kiosks, deposit and withdrawal from accounts and Micro Finance.As a Business Facilitator,AISECT Centers are generating business for the bank from thecommunities living in and around the centers and are booking business to the nearest linked branch.To round up services which enhance the quality of life by offering premium collection services in semi-urban and rural India,AISECT has also joined hands with ING Life Insurance.
Rural Shores Business Services is a rural-focused socio-commercial initiative inaugurated in June 2008 dedicated to creating employment in villages all over India through its mission of establishing Rural Business Process Outsourcing (Rural BPOs) centers.The central vision of the program is to take employment to the people to reduce livelihood induced migration from rural areas to cities.The educated youth in rural India have few job opportunities in their places of origin and often have to leave their families behind to migrate to the cities in the hope of making a decent living. However in many cases they are not able to fit into the city culture and are hardly able to make ends meet. To avoid such scenarios the initiative intends to assimilate rural youth into the Knowledge Economy through Sustainable Process Outsourcing and connect rural and geographically excluded areas to corporate India. The initiative aims at the establishment of Rural Shores Centers in each of the 500 rural districts of the country thereby providing sustainable employment to over 100,000 rural youths by 2020. By now, Rural Shores has already successfully managed more than 30 different processes for more than a dozen clients from various industries through various rural BPO firms.
NaukriSMS started in May 2009 aiming at the development of skills to ensure sustainable livelihood option. It supplies unskilled workers from the unorganized sector with voice and text based information on employment and corresponding skill training possibilities. The mobile and internet facilitated IP technology using Live Connect allows the registering, searching and connecting of employers and employees for the sake of mutual benefit. The central objective of the initiative is to bridge the digital divide since most of the workers are semi-literate and find it difficult to read newspaper to find out about available job options, suitable employers or skill training. In addition they are not well networked and traveling in search for employment is expensive and time consuming. The pilot started in Tiruppur to service 72,000 citizens and was later expanded to the entire state of Andhra Pradesh benefiting about 10,00,000 people. On the common platform job providers and seekers are able to communicate to each other for real time information exchange benefiting both. Since 2012 the initiative has been expanded to Karnataka and currently operates in Hindi, Tamil, Telugu and Kannada. The services offered by NaukriSMS include the registration and profiling of employment seekers, the provision of training and the connection to companies and individuals in search of adequate personal.
Oxigen aims to be an instrument of financial inclusion for people operating at the bottom of the pyramid in India. The key vision is to touch lives through innovative technologies and alliances at the bottom of the customer pyramid through the delivery of business and financial services through a cost efficient platform comprising of Mobile,Web and POS delivery. Oxygen objective is also to be a market leader in providing efficient recharge service to customers and seeks to deliver next generation services to consumers in rural and urban areas, by offering compelling business opportunities for entrepreneurs across all segments. Oxigenaspire leadership in providing Mobile commerce applications in tertainment and education and develop cost effective applications to enable access to a wide range of services encompassing banking, adult education and information access to the masses while focusing on economically weaker sections, especially in the rural areas. The initiative will especially empower rural entrepreneurs to broaden their villages’ access to markets and thereby increase the affordability, accessibility and variety of products available to rural communitiesusingaccessible cost effective technology. Financial inclusion of the poorest of the poor will help to expand the business models used by oxygen and take it to a new level while at the same time meet the company’s Corporate Social Responsibility obligations.
SaralRozgar is a mobile service which seamlessly connects skilled and semi skilled professionals to jobs of their choice. SaralRozgar tries to create an organized market place for the blue-collared labor segment, such as drivers.The initiative presents a complete end to end ecosystem with the goal to bring all stakeholders on one platform involving job seekers and providers, agencies, NGOs and direct selling agents. Using SaralRozgar, especially illiterate and technology deprived employment seekers will be supplied with support for the creation of resumes to apply for jobs using their mobiles. Conversely, registered employers will be able to browse through the candidates on theWeb, select the matching candidates and contact them directly through automated channels. To enhance their chances to be selected for a job, house own Customer Care Executives will train the candidates and guide them through the resume creation process.The platform used is based on location wise mapping while the profile creation and job search portal is supplied with multi-language support. To keep all stakeholders using the platform informed, including employers and employees, sms alerts with constant updates on the status of the application and new job opportunities are disbursed to all stakeholders.