The development & strengthen rural poor women & men belonging from rural society & have working with some micro enterprises for their livelihood. SVSS organized 5-6 members & formed small group as Joint Liability Group (JLG) as per their homogeneity base factors & we trained them in group functioning, opening of group account in Bank & then we provide hand holding support to establish financial linkages with the bank for strengthening of their micro enterprises for increase their income. After bank finance SVSS regular follow-ups with groups & motivate or facilitate & motivate them for repayment of bank loan. SVSS formed 78 no. of JLG in different block of Sehore district in which we establish linkages with bank for financial support for the development of their micro enterprises & increase their income support. Up to till date the bank funded up to 2.5 lakhs to the JLG

Joint Liability Groups are a concept established in India in 2014 by the rural development agency, National Bank for Agriculture and Rural Development National Bank for Agriculture and Rural Development (NABARD) to provide institutional credit to small farmers.

Joint Liability Group is a group of 4-10 people of the same village or locality of homogenous nature and of the same socioeconomic background who mutually come together to form a group for the purpose of availing loan from a bank without any collateral.

Agriculture and Allied Micro-enterprise for Livelihood Opportunities. Agriculture and allied activities support livelihoods of nearly 70 per cent of India’s rural population (Hiremath 2007). In recent years, land-based livelihoods of small and marginal farmers are increasingly becoming unsustainable, since their land has not been able to support the family’s food requirements and fodder for their cattle. As a result, rural households are forced to look at alternative means for supplementing their livelihoods. In this context, natural resource-based micro-enterprises have emerged as alternative livelihood opportunities in rural areas. Varying socioeconomic and environmental trends including declining crop prices, swelling labour forces, migration and urbanization increased the demand for alternative employment and o+-farm livelihood opportunities. Due to lack of skill development, formal employment ceased to keep pace with the demand for employment. In this context, watershed development strategy facilitated small landholders, landless and women groups to bene.t from small scale allied activities. Watershed development is the strategy for sustainable growth in the vast rainfed regions since 1980s to enhance agricultural production, conservation of natural resources and raising rural livelihood system. Although soil and water 272 conservation was initially the primary objective of watershed program that saw large public investment since inception, later its focus shifted to principles of equity and enhancing rural livelihood opportunities and more recently to sustainable development since mid nineties (Wani et al. 2002). As the focus of watershed development shifted, the landholders (small and large farmers), landless, women and youth groups were brought to ensure the success of the program. Traditionally, watersheds have been viewed as hydrological units to conserve soil and water, and a compartmental approach has been adopted. However, through the integrated watershed management approach all natural resources in the watershed are managed effciently and effctively so that the rural livelihoods can be improved substantially through convergence of various activities (Sreedevi, 2003).

Micro-enterprises are worth giving attention to for several reasons. Firstly, in some areas these make a signi.cant contribution to household income, employment and economic production. Secondly, they have a potentially key role to play in supplying resilient and 8exible services. Thirdly, compared to land-based agriculture, they tend to generate relatively good income and hence provide resilience to household economic conditions. Finally, being relatively less technology oriented, these activities support a proportionately larger section of the unskilled labour force and produce larger number of livelihoods per unit of output. Micro-enterprises are the keys to generate employment opportunities as well as income earning avenues to both landless, women and landholding people. Therefore, the poverty alleviation in semi-arid regions requires a greater understanding of the interactions of agriculture and allied enterprises and their implications for the household economy.This paper synthesizes the available evidence on agriculture and allied enterprises in watershed development areas and how policy should address the issue to balance between agriculture and micro-enterprises promoted by watershed development programs.