{"id":20579,"date":"2024-02-21T16:01:54","date_gmt":"2024-02-21T10:31:54","guid":{"rendered":"https:\/\/iihs.co.in\/knowledge-gateway\/?p=20579"},"modified":"2024-02-21T16:08:26","modified_gmt":"2024-02-21T10:38:26","slug":"evaluation-of-pmay-housing-scheme-by-examining-the-quality-of-living-based-on-the-perceptions-of-end-users-beneficiaries-jharkhand","status":"publish","type":"post","link":"https:\/\/iihs.co.in\/knowledge-gateway\/evaluation-of-pmay-housing-scheme-by-examining-the-quality-of-living-based-on-the-perceptions-of-end-users-beneficiaries-jharkhand\/","title":{"rendered":"Evaluation of PMAY Housing Scheme by Examining the Quality of Living Based on the Perceptions of End-Users (Beneficiaries): Jharkhand"},"content":{"rendered":"<div id='full_slider_1'  class='avia-fullwidth-slider main_color avia-shadow   avia-builder-el-0  el_before_av_layout_row  avia-builder-el-first   container_wrap sidebar_right'  ><div  class='avia-slideshow 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av-gridrow-cell av_three_fifth no_margin  avia-builder-el-4  el_after_av_cell_one_fifth  el_before_av_cell_one_fifth  content-align-top'  ><div class='flex_cell_inner'><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lsvnhty5-6a95a6644a64f4a27969c854d4d00397\">\n#top .av-special-heading.av-lsvnhty5-6a95a6644a64f4a27969c854d4d00397{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-lsvnhty5-6a95a6644a64f4a27969c854d4d00397 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lsvnhty5-6a95a6644a64f4a27969c854d4d00397 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lsvnhty5-6a95a6644a64f4a27969c854d4d00397 av-special-heading-h3  avia-builder-el-5  el_before_av_textblock  avia-builder-el-first '><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Evaluation of PMAY Housing Scheme by Examining the Quality of Living Based on the Perceptions of End-Users (Beneficiaries): Jharkhand <\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-lsvnk7bk-db415fa93f95bb53b0d99da444ba6c6e '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><span style=\"font-size: 13px; text-transform: none; color: #8a0000;\"><em><a href=\"https:\/\/iihs.co.in\/iihs-people\/team\/sairama-raju-marella\/\" target=\"_blank\" rel=\"noopener\">Sai Rama Raju Marella<\/a>, <a href=\"https:\/\/iihs.co.in\/iihs-people\/team\/gajjar-harshal-deepak\/\" target=\"_blank\" rel=\"noopener\">Gajjar Harshal Deepak<\/a>\u00a0 <\/em>| 2022<\/span><\/p>\n<\/div><\/section><br \/>\n<section  class='av_textblock_section av-lsvnm58e-18a48c0b70ed83fae3e1a57b0104fc55 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p class=\"p2\">Summary<\/p>\n<p class=\"p4\">The PMAY (BLC+ISSR\/AHP) scheme has significantly impacted the lifestyle of the beneficiaries. It has changed the beneficiary\u2019s lifestyle and created an identity in the society, where their kids started going to schools regularly and can study in the evenings under descent lighting. Especially in the ISSR\/AHP projects, where majority of the households are in the EWS category, do not need to worry about their seasonal floodings into their houses during monsoons, access to water supply and sanitation inside their houses and a gate outside their house and settlement. This process assisted with NGOs and other civic society bodies have streamlined them with respect to formal housing and documentations for having ownership of incrementality in socio-economic ladder. Whereas the BLC projects were mostly opted by the beneficiaries from tribal community who have small piece of land in the periphery of the cities.<\/p>\n<p class=\"p4\">However, there are certain levels of dissatisfactions from the beneficiaries with the governance and implementation processes where the priority was given to beneficiaries with elderly and differently abled in the ISSR\/AHP projects, but prioritisation was not equitable across all segments. One of the beneficiaries highlighted that she was allotted a house under ISSR\/AHP as a priority who is a widow and a senior citizen, but could not able to arrange the deposit money of Rs 50,000\/- in the stipulated time period, and the ULB officials have delayed her allotment and now she currently got a house at the 2 nd floor in Premnagar Birsamuda project. Households who reported having strong social capital could be able to make the down payment on time using their savings, borrowing money from their family members and borrow funds from formal sources such as employers. On the other hand, majority of the beneficiaries were from EWS segment with no savings and need to rely on informal money lenders to make the down payment on time. In addition, the BLC beneficiaries face issues related to awareness of the PMAY scheme, where they were advised by the Parshad (ward councillor) to take support from the Thekedar (contractor) to help them with the construction of the house, where the contractor cheated them by taking the money from beneficiary\u2019s bank accounts and not finishing the house construction. As majority of the BLC beneficiaries are from Tribal community, they were not aware of the construction techniques using cement and concrete as construction materials. Moreover they were demanded by the PMAY evaluation and monitoring representatives from the ULBs to pay Rs 5,000\/- at every stage of construction, where they take pictures at every stage of construction and update in PMAY MIS data to release funds on time for the beneficiaries.<\/p>\n<p class=\"p4\">In conclusion, the end-users are the actual effected families who were impacted with the stringent guidelines and the governance structures of PMAY in addition to the issues with access to finance and increase in expenditure related to additional utility charges incurred due to the poor ventilation and thermal discomfort of the modern concrete buildings as compared to their previous mud- structure houses.<\/p>\n<\/div><\/section><br \/>\n<section  class='av_textblock_section av-lsvnvp23-7128ba7fe287862460167ee1b1daa9d6 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>DOI: https:\/\/doi.org\/\/10.24943\/EPHSJ02.2022<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2qzswpv-98c2fa8c7e1df8e5d8cd2e9472366560\">\n#top .hr.hr-invisible.av-2qzswpv-98c2fa8c7e1df8e5d8cd2e9472366560{\nheight:30px;\n}\n<\/style>\n<div  class='hr av-2qzswpv-98c2fa8c7e1df8e5d8cd2e9472366560 hr-invisible  avia-builder-el-9  el_after_av_textblock  el_before_av_social_share '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<div  class='av-social-sharing-box av-22gmhyb-7f1dab55c464658a2479fae02fad75aa av-social-sharing-box-minimal  avia-builder-el-10  el_after_av_hr  avia-builder-el-last  av-social-sharing-box-fullwidth'><div class=\"av-share-box\"><h5 class='av-share-link-description av-no-toc '>Share this entry<\/h5><ul class=\"av-share-box-list noLightbox\"><li class='av-share-link av-social-link-facebook avia_social_iconfont' ><a target=\"_blank\" aria-label=\"Share on Facebook\" 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18.347826086957pt;\" aria-label=\"Data and Metrics (30 items)\">Data and Metrics<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/design\/\" class=\"tag-cloud-link tag-link-145 tag-link-position-13\" style=\"font-size: 11.478260869565pt;\" aria-label=\"Design (4 items)\">Design<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/economic-development\/\" class=\"tag-cloud-link tag-link-99 tag-link-position-14\" style=\"font-size: 18.95652173913pt;\" aria-label=\"Economic Development (35 items)\">Economic Development<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/ecosystem\/\" class=\"tag-cloud-link tag-link-152 tag-link-position-15\" style=\"font-size: 15.826086956522pt;\" aria-label=\"Ecosystem (15 items)\">Ecosystem<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/energy\/\" class=\"tag-cloud-link tag-link-160 tag-link-position-16\" style=\"font-size: 12.173913043478pt;\" aria-label=\"Energy (5 items)\">Energy<\/a>\n<a 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tag-link-position-21\" style=\"font-size: 10.608695652174pt;\" aria-label=\"Health (3 items)\">Health<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/housing\/\" class=\"tag-cloud-link tag-link-13 tag-link-position-22\" style=\"font-size: 18pt;\" aria-label=\"Housing (27 items)\">Housing<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/human-development\/\" class=\"tag-cloud-link tag-link-100 tag-link-position-23\" style=\"font-size: 15.652173913043pt;\" aria-label=\"Human Development (14 items)\">Human Development<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/illness-narratives\/\" class=\"tag-cloud-link tag-link-210 tag-link-position-24\" style=\"font-size: 8pt;\" aria-label=\"Illness narratives (1 item)\">Illness narratives<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/industrial-policy\/\" class=\"tag-cloud-link tag-link-80 tag-link-position-25\" style=\"font-size: 9.5652173913043pt;\" aria-label=\"Industrial Policy (2 items)\">Industrial Policy<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/instructional-design\/\" class=\"tag-cloud-link tag-link-150 tag-link-position-26\" style=\"font-size: 9.5652173913043pt;\" aria-label=\"Instructional Design (2 items)\">Instructional Design<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/ipcc\/\" class=\"tag-cloud-link tag-link-126 tag-link-position-27\" style=\"font-size: 9.5652173913043pt;\" aria-label=\"IPCC (2 items)\">IPCC<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/knowledge\/\" class=\"tag-cloud-link tag-link-143 tag-link-position-28\" style=\"font-size: 10.608695652174pt;\" aria-label=\"Knowledge (3 items)\">Knowledge<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/land\/\" class=\"tag-cloud-link tag-link-108 tag-link-position-29\" style=\"font-size: 19.652173913043pt;\" aria-label=\"Land (43 items)\">Land<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/medical-diversity\/\" class=\"tag-cloud-link tag-link-208 tag-link-position-30\" style=\"font-size: 8pt;\" aria-label=\"Medical diversity (1 item)\">Medical diversity<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/migration\/\" class=\"tag-cloud-link tag-link-234 tag-link-position-31\" style=\"font-size: 9.5652173913043pt;\" aria-label=\"migration (2 items)\">migration<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/non-economic-loss\/\" class=\"tag-cloud-link tag-link-194 tag-link-position-32\" style=\"font-size: 8pt;\" aria-label=\"Non-Economic Loss (1 item)\">Non-Economic Loss<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/planning\/\" class=\"tag-cloud-link tag-link-106 tag-link-position-33\" style=\"font-size: 17.565217391304pt;\" aria-label=\"Planning (24 items)\">Planning<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/pluralism\/\" class=\"tag-cloud-link tag-link-209 tag-link-position-34\" style=\"font-size: 8pt;\" aria-label=\"Pluralism (1 item)\">Pluralism<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/policies\/\" class=\"tag-cloud-link tag-link-146 tag-link-position-35\" style=\"font-size: 10.608695652174pt;\" aria-label=\"Policies (3 items)\">Policies<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/poverty-and-inequality\/\" class=\"tag-cloud-link tag-link-101 tag-link-position-36\" style=\"font-size: 17.391304347826pt;\" aria-label=\"Poverty and Inequality (23 items)\">Poverty and Inequality<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/risk\/\" class=\"tag-cloud-link tag-link-97 tag-link-position-37\" style=\"font-size: 16.521739130435pt;\" aria-label=\"Risk (18 items)\">Risk<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/sanitation\/\" class=\"tag-cloud-link tag-link-67 tag-link-position-38\" style=\"font-size: 9.5652173913043pt;\" aria-label=\"Sanitation (2 items)\">Sanitation<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/scholarly-publishing\/\" class=\"tag-cloud-link tag-link-130 tag-link-position-39\" style=\"font-size: 9.5652173913043pt;\" aria-label=\"Scholarly Publishing (2 items)\">Scholarly Publishing<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/science-gaps\/\" class=\"tag-cloud-link tag-link-193 tag-link-position-40\" style=\"font-size: 8pt;\" aria-label=\"Science Gaps (1 item)\">Science Gaps<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/sustainability\/\" class=\"tag-cloud-link tag-link-93 tag-link-position-41\" style=\"font-size: 12.782608695652pt;\" aria-label=\"Sustainability (6 items)\">Sustainability<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/training-manual\/\" class=\"tag-cloud-link tag-link-242 tag-link-position-42\" style=\"font-size: 10.608695652174pt;\" aria-label=\"Training manual (3 items)\">Training manual<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/transport\/\" class=\"tag-cloud-link tag-link-95 tag-link-position-43\" style=\"font-size: 12.173913043478pt;\" aria-label=\"Transport (5 items)\">Transport<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/urbanisation\/\" class=\"tag-cloud-link tag-link-88 tag-link-position-44\" style=\"font-size: 12.782608695652pt;\" aria-label=\"Urbanisation (6 items)\">Urbanisation<\/a>\n<a href=\"https:\/\/iihs.co.in\/knowledge-gateway\/tag\/water-and-sanitation\/\" class=\"tag-cloud-link tag-link-96 tag-link-position-45\" style=\"font-size: 18.086956521739pt;\" aria-label=\"Water and Sanitation (28 items)\">Water and Sanitation<\/a><\/div>\n<\/div><\/div><\/p>\n<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p><em>Sai Rama Raju Marella, Gajjar Harshal Deepak<\/em><\/p>\n<hr\/>\n","protected":false},"author":6,"featured_media":17766,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[71],"tags":[],"class_list":["post-20579","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-paper"],"_links":{"self":[{"href":"https:\/\/iihs.co.in\/knowledge-gateway\/wp-json\/wp\/v2\/posts\/20579","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iihs.co.in\/knowledge-gateway\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iihs.co.in\/knowledge-gateway\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iihs.co.in\/knowledge-gateway\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/iihs.co.in\/knowledge-gateway\/wp-json\/wp\/v2\/comments?post=20579"}],"version-history":[{"count":3,"href":"https:\/\/iihs.co.in\/knowledge-gateway\/wp-json\/wp\/v2\/posts\/20579\/revisions"}],"predecessor-version":[{"id":20581,"href":"https:\/\/iihs.co.in\/knowledge-gateway\/wp-json\/wp\/v2\/posts\/20579\/revisions\/20581"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iihs.co.in\/knowledge-gateway\/wp-json\/wp\/v2\/media\/17766"}],"wp:attachment":[{"href":"https:\/\/iihs.co.in\/knowledge-gateway\/wp-json\/wp\/v2\/media?parent=20579"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iihs.co.in\/knowledge-gateway\/wp-json\/wp\/v2\/categories?post=20579"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iihs.co.in\/knowledge-gateway\/wp-json\/wp\/v2\/tags?post=20579"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}