1. LIFCOM: JOURNEY FROM ADVENTURESTOVENTURES

• By: Bhupal Neog

2. 2200 mmrainfall annually Vision 2020 $ 2000 per capita income 33.8 % live belowpoverty line 24 thin HumanCapital Index 30 thin percapitaUtilization ofcredit 21 stin index Social &economic infrastructure25 thinroad density 13 thin infant mortality rate 19 thin per capita income 24 thin literacy Meghalaya 7 districts 39 CD Blocks5782villages 3. COMPARATIVE OVERVIEW 42(2.37%) 146.1(8.26%) 1767.1 Papaya 323(6.46%) 284.3(6.46%) 4399 Citrus 81.7 (6.69 %) 567.1 (46.44%) 1221 Pineapple 64.1(0.38%) 805.9(4.7%) 16813.5 Banana 800.00 661.10 555.80 PULSES Kg/ha 186.90(0.41 %) 2530.4 ( 5.5 %) 45370.0 FRUITS ( thousandM.Tonnes) 4(.03 %) 117 (1.04%) 11143 PULSE PRODUCTION( thousand M.Tonnes) 1637.04 1520 1562 FOOD GRAIN Kg/ha 221(0.12 %) 5927 (3.40 %) 174188 FOOD GRAIN PRODUCTION( thousand M .Tonnes ) 105 NA NA IRRIGATED AREA ( 000Ha) 52290 (11.79%) 443336 NA NUMBER OF FAMILIES PRACTICING SHIFTING CULTIVATION 2650 ( 18.07%) 14660 NA MINIMUM AREA UNDER SHIFTING CULTIVATION ONE TIME OR OTHER ( SQ KMS) 530 ( 13.69 %) 3869 NA ANNUAL AREA UNDER SHIFTING CULTIVATION (SQ KM) 277 (0.14%) 5776 (3.08%) 187009 CROPPED AREA ( 00 HA) 75.08 % 70.19% 20.69 % FOREST COVER 22429 (0.68%) 262179 (07.9%) 3287263 LAND AREA (SQ KM) 2.31(0.22 %) 53.21(05.17%) 1028.61 POPULATION ( MILLION) MEGHALAYA NER ALL INDIA 4. COMPARATIVE OVERVIEW 2648(0.4%) 17628(2.71%) 649435 RUBBER( tonnes) 135(0.01%) 440304(53.29%) 826165 TEA( thousand Kg) 1.2 29.7 NA Chillies ( thousand tonnes) 303.60(0.32%)3476.23(3.7%) 93921.50 VEGETABLES (thousand M.Tonnes) 8.6 (1.3%) 29.7(4.51%) 658.4 Turmeric (thousand tonnes) 46.6(14.65%) 174(54.71%) 318 Ginger ( thousand tonnes) 0.47(3.33%) 2.17(15.37%) 14.11 SPICES ( Lakh Tonne) 303.6(0.32%) 3776.8(4.02%) 93921.5 Others75.9(0.21%) 1068.1(3.02%) 35339.8 Tomato 7.7(0.10%) 336.8(4.6%) 7277.1 Potato 181.6(0.81%) 1051.6(4.72%) 22242.7 Peas 2.8(0.09%) 186(6.18%) 3007.6 Onion 0 43.8 4721.1 Okra NA 123.3 3344.6 Cauliflower 16.8(0.35%) 269.3(5.7%) 4694.6 Cabbage 2.2(.02%) 175.3(2.2%) 7676.9 Brinjal 46 577.7 6577.4 Others 0 8.5 1226 Apple 0 73.3 1631.5 Guava 0 32 412 Litchi 0 34.3 10237 Mango MEGHALAYA NER ALL INDIA 5. COMPARATIVE OVERVIEW 3782873130980 NA TOURIST FLOW 1.68 14.97 NA HANDICRAFTS ARTISANS ( In Lakhs) 4843 NA 2700000 SHG ( In Numbers) 30.6 31.2 NA CD RATIO 39.1 24 NA RECOVERY RATE ( %) 1939(0.14%) 25680 (1.8%) 1374974 SSI UNIT INWORKING CONDITION 221 2101 NA TOTAL NUMBER OF BANK BRANCHES 56497 922812 NA TOTAL NUMBER OF ENTERPRISES49 213 NA LARGE & MEDIUM ENTERPRISES10 NA NA LAND CUSTOMS POINT 73 NA NA MARKETS 34750(0.24%) 412930 (2.9%) 14119808 STORAGE CAPACITY ( thousand tonnes) 100 8000 NA PROCESSING CAPCITY ( MT) 0.020.17 CONSUMPTION OF PESTICIDES ( share %) 40 NA NA BAMBOO ( Lakh MT) 5640( 0.89%) 241010 (3.8%) 6304750 FISH ( MT) NA 48.9 NA MEAT ( thousand tonnes) 75 867 NA EGG ( In Million Numbers) 66 1052 NA MILK (thousand tonnes) MEGHALAYA NER ALL INDIA 6. 250 species of butterfly 325 species of orchids65 tourist spots, 2 National Parks ,3 wild life sanctuaries 12000 Million tonn limestone reserve 560 Million Tonn coal reserve Annual exports Rs 200 cr TOTALDEMAND OF POWER 610 (MW)63 % HH Non electrified27 % village nonelectrified Gap:424.8 MW Road Density ( kms/sq km)75/100 ( All India) 39/100 (Meghalaya) 700 varieties of medicinal plants Rs 511cr Investment 7. Social Enterprise Program:Process Feasibility StudyBusiness Plan Development,CSR strategy Project Management & Monitoring(management participation) Scale-up or Exit Ongoing leadership development Investment package development (Equity and debt) Initial business idea 8. According to a recent research report by Goldman,Sachs & Co, MVC financing has a 10 per cent higher return and a five per cent lower default rate than MCF. MVCs have 10 per cent less overhead cost than micro credit banks. The cost structure for MVCs is flexible while the cost structure for micro credit banks is fixed. 9. LIFCOM BANK/FIINR 272 Million 952 SME 18,165 HH Enterprises OBJECTIVE OFINVESTMENTP R O F I T O P T I M Z A T I O N APL PHAPL MP HP UP INR 763 MILLION 29300HH PROJECTCLIENTS 2012-13 Scenario BDS BDS BDS BDS ULTRA POOR MODERATELY POOR APL PEOPLEHOVERINGABOVE POVERTY LINE HARD CORE POOR ULTRA POOR 10. Eco.Via Employ App Tech Promise Profit, FBL,Empl IDENTIFY INVESTMENTOPPORTUNITY Include DEMO; Potential EntOppo to StimulateDemand Identify POT JV: org, ind Search Buss OPP 11. RISK SHARING FINANCE:EQ, NEQ BDS Poor 12. Managerial BDS Farmer JV: IdentifiedOpportunity M.Resources Set Enterprises: f Pro G f Federation shg 13. MARKET TECHNOLOGY INNOVATIVE IDEA 14. PPP APPROACH PEOPLE SECTOR FIG FARMER ASSOCIATION (Production,processing) Finance Policy Extension Research Facilitation Investment Market BDS Product Research PRIVATE SECTOR PUBLIC SECTOR Infrastructure LIFCOM/ MRDS 15. Selected V.C SUB SECTOR METHODOLOGY Sub-sector Analysis DemoDesigning & ImplementationIdentification Of Opportunities& constraintsIdentification ofBusiness Services FIGDeveloped Micro-Enterprise start up Selection of Business Services Assessment of Business Services PackagingBDS Selection of FacilitationServices Backward & Forward Enterprises Functioning , Commitment & behaviorof V.C actors& support structures Market Viability Valueadded for selectedareasIdentification ofFacilitation Services 16. Meghalaya Eco-Tourism OrganizationsMeghalaya Bio Fuel Organization Meghalaya Agriculture & HorticultureExportsMeghalaya Biotech Meghalaya Infrastructure Leasing & Construction OrganizationMeghalaya Micro Finance OrganizationMeghalaya Flori tech MeghalayaLogistics & TransportationMeghalaya PoultryMeghalaya Bio Trade Meghalaya Info ways Meghalaya Organics Meghalaya Hospitality Services Meghalaya Agri Processing Organization 17. 18. TAARE ZAMEENPAR