TABLE OF CONTENTS Contents Page No List of tables i List of figures ii Executive summery iii Chapter 1 Introduction 1-12 1.1 Urbanization and poverty in India 1 1.2 Approaches towards Poverty 4 1.3 Research problem 6 Aim 6 Objectives 7 Hypothesis 7 Research Questions 7 1.4 Methodology 8 1.5 Data requirement 10 1.6 Scope of the Study 11 1.7 Limitations of the Study 11 1.8 Chapter plan 12 Chapter 2 Literature Review 13-38 2.1 Poverty and Deprivation 13 2.2 Vulnerability 14 2.21 Housing Vulnerability 14 2.22 Economic Vulnerability 15 2.13 Social Vulnerability 15 2.24 Personal Vulnerability 15 2.3 Empowerment 15 2.4 Urban Poverty 16 2.5 Approaches towards Poverty 19 2.6 Five Year Plans and Urban Poverty 20 2.7 Genesis of SJSRY 24 2.8 Swarna Jayanti Shahri Rojgar Yojna An Overview 26 2.9 Details of Components of SJSRY 27 2.9.1 Urban Self Employment Programme (USEP) 27 Skill Training 27 Self employment generation through TCG 29 Revolving Fund for the development of micro-enterprise 30 Individual Self Employment through bank loans 31 Development of Women & Children in Urban Areas (DWCUA) 32 2.9.2 Urban Wage Employment Programme (UWEP) 33 2.10 Structure of SJSRY 34 2.11 Organisational Structure of SJSRY 36 2.12 The 10th Five Year Plan and SJSRY 36 2.13 Inferences from Literature Review 38 Chapter 3 Performance of SJSRY in West Bengal 39-47 3.1 Introduction to urbanized West Bengal 39 3.2 Development programmes which are implemented by the ULBs 41 3.3 Performance of SJSRY in West Bengal 41 3.3.1 Urban Wage Employment Programme 41 3.3.2 Urban Self Employment Programme 42 Chapter 4 - Case Study 1, Gayeshpur 47-61 4.1 About Gayeshpur 47 4.2 SJSRY in Gayeshpur 49 4.3 Component-wise Implementation 50 4.3.1 Micro-Enterprise 50 4.3.2 DWCUA 55 4.3.3 Thrift and Credit Societies and Revolving Fund 57 4.3.4 Vocational Training 60 Chapter 5 - Case Study 2, Kalyani 62-77 5.1 About Kalyani 62 5.2 SJSRY in Kalyani 63 5.3 Component-wise Implementation 64 5.3.1 Micro-Enterprise 64 5.3.2 DWCUA 70 5.3.3 Thrift and Credit Societies and Revolving Fund 74 5.3.4 Vocational Training 76 Chapter 6 Observations 78-93 6.1 SJSRY Addressing Poverty 78 6.2 Performance of SJSRY- Findings and Issues 80 6.2.1 Programme directives and implementing authority 80 6.2.2 Characteristics and administration 81 6.2.3 Banks response 82 6.2.4 Micro-enterprise 84 6.2.5 Development of Women and Children in Urban Areas s86 6.2.6 Thrift and Credit Groups 87 6.2.7 Vocational training 89 6.3 Recommendations 91 Annexure References a-c