Self Help Groups, Poverty Alleviation and Empowerment Self Help Groups, Poverty Alleviation and Empowerment Presented by Dr. K. Lalita YUGANTAR At the.

Slides:



Advertisements
Similar presentations
REGIONAL CAPACITY DEVELOPMENT AND KNOWLEDGE MANAGEMENT FOR GENDER EQUALITY: IFAD/ FAO GRANT PROGRAMME Gender and rural microfinance: Reaching and empowering.
Advertisements

SHG Bank Linkage Programme What is a Self-Help Group ? A Self-Help Group [SHG] is a small, economically homogeneous and affinity group of rural poor.
Asia and the Pacific Rural enterprises and poverty reduction.
Niamh Shortt and Heather Barry Irish League of Credit Unions International Development Foundation.
1 Community managed nutrition cum day care centers Lakshmi Durga Chava State Project Manager (Health and Nutrition) Society for Elimination of.
In Guyana, the life of a single parent is difficult and has many challenges, and Government in its programme for the social sector, has continuously paid.
Dr. Rajesh Timane. ‘The Self Help Groups (SHGs) Guiding Principle stresses on organizing the rural poor into small groups through a process of social.
1 Structural refinement in CBOs for self-reliant development - Emerging options.
Microfinance and Domestic Violence Syed M. Hashemi Esther Rojas-Garcia November 9, 2004.
ACCESS TO CREDIT FOR CRISIS/CONSUMPTION NEEDS MOBILITY LEGITIMATE SPACE IN PUBLIC REALM SELF HELP GROUPS: IMPLICATIONS FOR WOMEN’S LIVES.
Jali Watoto’s WORTH Program: Household Economic Strengthening in Tanzania Leads to Improved Care for Most Vulnerable Children Presenter: Linda Madeleka,
Community managed Health and Nutrition interventions in A.P Society for Elimination of Rural Poverty Department of Rural Development Govt. of Andhra Pradesh.
By Professor (Dr.) M.M. Goel Dr. Virander Pal Goyal.
Livelihood and Access to Asset Perspective from Self –Employed Women’s Association (SEWA)
Empowering Communities towards Poverty Free Andhra Pradesh G.V.S.Reddy, MD STHREE NIDHI 2 Nov 2012.
Mainstreaming of Differently Abled Persons in Development in Indira Kranthi Patham Presented by P.Sudhakara Reddy State Project Manager Disability Programme.
1 Presentation for Micro Credit Summit 16 November, 2010 By Shaheel Rafique, Implementation Support Specialist, IFAD Transformation of the role of SHGs.
ANUJA KUMARI. “The process of ensuring access to financial services and timely and adequate credit where needed by vulnerable groups such as weaker sections.
About Sampark M. Chidambaranathan Sampark September 11, 2015.
District Rural Development Agency, Andhra Pradesh, India.
GRAM VIKAS- AN OVERVIEW. LOCATION OF WORK 19 districts 38,397 families 542 habitations 200,000 people.
How can we make microfinance more useful to women © Linda Mayoux 2012 Slide 1 Linda Mayoux How Can We Make Microfinance More Useful to Women?
FOSTERING ORGANISATIONS FOR AND WITH THE POOREST AND HUNGRY T.Vijay Kumar, IAS Chief Executive Officer Society for Elimination of Rural Poverty Govt. of.
A Microfinance Solution for Water, Sanitation, and Health in Peri-Urban and Rural Areas Presented at the Fifth World Water ForumDr. Richard E. Thorsten.
Self Help Group (1995) Bagnan -1 Mahila Bikas co-operative credit society Ltd. DWCRA Group Samannaya Samity (1996) Bagnan –1 Mahila Bikash Co-operative.
M S Sriram INDIAN INSTITUTE OF MANAGEMENT AHMEDABAD Microfinance and the State: Exploring new areas and structures of collaboration.
INTERNATIONAL FOOD POLICY RESEARCH INSTITUTE sustainable solutions for ending hunger and poverty Renewal Theme 2: AIDS, Community Resilience and Social.
Microfinance as a Tool for Poverty Alleviation Presentation : Dr Shabbir Hussain.
DUNDULIZA SACCOs AS PARTNERS TO COMMUNITY HEALTH FUND Neemak Kasunga, Dunduliza CHF Best Practice Workshop, Golden Tulip Hotel, DSM
Microfinance in India Evolution of Microfinance in India Microfinance has been in practice for ages ( though informally). Legal framework for establishing.
Status of women in rural India Governmental laws to support women and improve their status in society Deep traditions Women discrimination roots in Hinduism.
Presentation on 22 nd July, 2010 S.G.S.Y/NRLM. Main Features of SGSY Formation of Self Help Groups of Rural BPL. SHGs are encouraged to inculcate the.
APMAS Up-scaling & Deepening SHG movement: Issues & Challenges APMAS Presentation by CS Reddy, 31 st October NABARD.
Transforming “Financial Inclusion into Sustainable Livelihoods”
THEME FOUR-ECONOMIC EMPOWERMENT. HOW CAN IFAD BUILD PRIVATE SECTOR INVOLVEMENT MORE ACTIVELY INTO PROJECTS IT SUPPORTS? CAPACITY BUILDING: – For entrepreneurship.
SUSTAINABLE MICRO-FINANCE for WOMEN’S EMPOWERMENT
Harnessing the Power of Cross-sectoral Programming to Alleviate HIV/AIDS and Food Insecurity May 30,, 2013 Washington, DC PSNP Plus and GRAD: Graduating.
1 ROLE OF BANKS in NRLM BACKGROUND Positive experience in lending to women’s self help groups by Banks. Expertise of banks in Training & Skill.
ACA-TM-37 (v Nov-10 ) SHG Conceptual Aspects Policy, Procedures &Recent Developments SHG-2.
End of poverty - National Rural Livelihoods Mission (N.R.L.M) T. Vijay Kumar JS, Ministry of Rural Development Govt of India
Welcome to Save the Children’s Presentation on Household Economic and Food Security of Extreme Poor me to Save the Children’s Presentation on Household.
Struggling Together / Moving Ahead Gramya Resource Centre for Women Dr. V Rukmini Rao.
Plan © Plan An introduction. © Plan It starts with ambition… Plan’s Vision is of a world in which all children realise their full potential in societies.
Conference on Financial Inclusion
Micro Credit.
Integrating The First MicroFinanceBank and Social Protection Next Generation Access to Finance September 18, 2007 Washington DC.
SMBT(Sarvodaya Mutual Benefit Trust) Micro-finance to SHGs Self Help Group Approach Promotion of Livelihoods through Mutual Benefit Trust.
District Rural Development Agency, Andhra Pradesh, India Access to Insurance for the Poor by the Poor of the Poor.
SHG women take up vegetable vending. Present and Future of Micro Credit Market in India Abusaleh Shariff National Council of Applied Economic Research.
Conditions in Which Microfinance has Emerged in Certain Regions and Consequent Policy Implications M.S.Sriram Radha Kumar Indian Institute of Management.
NRLM (Rolled Out in 2011)– CONTEXT  NRLM works towards improving Livelihoods of about 50% of the rural Households who are poor and deprived through Organizing.
Talking Tea: Women’s Empowerment and Transformative Change in Sri Lanka’s Plantation Sector Kevin McParland, PhD Candidate School of Politics and International.
Knowledge Share Fair Cameroon IFAD-CBARDP NIGERIA By Bukar Tijani National Programme Coordinator KNOWLEDGE SHARING ON SUCCESSES AND LESSONS LEARNED.
Dr. Modibo Traoré Assistant Director General Agriculture and Consumer Protection.
MICRO CREDIT FACILITIES. Presented by:- Prachi Sharma Priyanka Rai MBA(HR)
THE WORLD BANK History Since inception in 1944, the World Bank has expanded from a single institution to a closely associated.
Process Facilitation, Social Mobilisation, Gender Inclusion and Community Organisation Quality At Entry Workshop for Social Funds and CDD Operations Parmesh.
Hand in Hand Eastern Africa Logic Model November 2015.
Creating opportunity for the world’s poor.
1 Swedish Committee for Afghanistan Livelihood Project (Female Economic Empowerment Project) Presenter: Fawad Sultani.
© INCEIF © INCEIF A Study of the Relationship between Religion and Development: Evidence from the Microfinance Industry of Bangladesh. 6 November,
A STUDY ON SELF-HELP GROUPS IN INDIA A summary by Grecia Reyes and Bethel Hamel.
Inclusive, Green Business and Women’s Entrepreneurship Experiences from the EU SWITCH-Asia Programme Silvia Sartori Author, “Advancing Sustainable Development.
MICRO-FINANCE IN INDIA
SOCIAL PROTECTION FOR CHILDREN AND THEIR FAMILIES
ENGINE Empowering New Generations to Improve Nutrition and Economic
International Conference on Micro Perspectives for Decentralized Energy Supply April 23-25, 2015, BANGALORE Solar lighting for rural households: A.
Infrastructure working group
UNDERSTANDING FINANCIAL ECOSYSTEM AND MICROFINANCE
Sustainability of SHGs
Presentation transcript:

Self Help Groups, Poverty Alleviation and Empowerment Self Help Groups, Poverty Alleviation and Empowerment Presented by Dr. K. Lalita YUGANTAR At the Planning Commissions Civil Society Window on Self Help Groups 7 th November 2006 New Delhi &

Backdrop  Environment for ensuring ‘spread effect of growth’ emphasized during 90s.  Environment for ensuring ‘spread effect of growth’ emphasized during 90s.  Concept of women’s groups (Sangams) existed from 80s. NGOs drew on experience of Left movements and Anti-arrack movement.  Andhra Pradesh adopted DWCRA (development of women and children in rural areas) model for APDPIP and APRPRP  Organising women around thrift and credit services is a very effective method for alleviating poverty and empowering women

Delivery mechanisms Growth of Microfinance sector: Four models: 1. Community owned and managed (CDF, Sanghatita, ASP, Roshan Vikas) 2. Financial Intermediary Model ( an arm of retail banking and insurance sector) like BASIX, SKS, SPANDANA, SWAS, SHARE 3. Banks and Insurance directly dealing with SHGs. 4. DWACRA + SAPAP [govt models]

NUANCES OF DIFFERENT STRUCTURES 1.Financial Intermediary Model  Not targeted at a particular segment  Any adult woman can become member of the group.  Members save any amount from Rs 20 to Rs 200 or more.  2% per month (24 % p.a.)interest is charged on loans. Funds borrowed from banks/FIs

2. DWCRA Model (Government Model)  SHGs of DWCRA are federated into MACs : Training in leadership, attitudinal changes, skills for income generation.  Lump sum grant of Rs : IRDP subsidy and bank loans can be accessed.  Groups save, inter-lend to meet needs of members.  Program for services (health, education, child care, nutrition, water and sanitation); other govt. rural development programmes.  Linkages with govt. line departments; financial institutions; corporates. Economic and social empowerment is the bottom line. Economic and social empowerment is the bottom line. Contd…

3. SAPAP model (International Model) 3. SAPAP model (International Model)  1995, SAPAP pilot in 20 poor mandals of AP.  Social mobilization as mechanism to form SHGs.  SAPAP Empowerment model’s 3 components: social mobilization, capital formation, capacity building of the poor  SAPAP implemented in collaboration with local NGOs and state government.  SAPAP implemented in collaboration with local NGOs and state government.  This is also a micro finance plus model. Contd…

TotalAPKarnatakaOrissaRajasthan N SHGs Single caste Mixed caste ST/SC/ Minorities BC/OC21466%34%7%7%6063%37%2%23%5169%31% 4% 4%5074%26%6%5360%40%15%4% According to a recent sample study, 80% of SHGs are single caste. 20% of groups do cross caste hierarchies. 1. SHG and CasteNGOGovtBank N SHGs Single caste Mixed caste ST/SC/ Minorities BC/OC13761%39%9%5%4969%31%2%14%2886%14%7% GROUND REALITIES: CERTAIN IMPORTANT FEATURES

TotalAPKarnatakaOrissaRajasthan % of poor in SHGs SCST Women headed HHs 51%30%25%11%53%7%13%13%61%45%10%16%58%41%35%14%34%27%41%3% (Source: Self help groups in India: a study of the lights and shades, M Harper, 2006) 2. SHGs & Poor

Benefits of SHG models Benefits of SHG models  SHG movement created an institutional framework.  Participation of women in SHGs improved their access to credit.  Culture of thrift and disciplined loan repayment  Winning confidence of mainstream financial sector as credit worthy institutions.  Interest rates in the informal credit sector decreased.  Consumption needs and certain production needs met.

Problems Problems  Low levels of credit absorption, low skill base and low asset base.  Interior and tribal villages have not benefited.  SCs and women headed households have not benefited.  Pressures by govt to push sterilization and birth control methods.

Emerging Challenges Emerging Challenges  Two major factors threatening sustainability:  A) Damage to ‘credit discipline’ because of high interest rates and political reactions to incidents of coercion  B) High handed recovery of loans  C) Lack of skills/experience for advisory/technical support services to promote livelihoods and build market intervention  Subvertion of P.R.I.s and bitter inter-department rivalry  Politics of patronage  Internalised notions of vulnerability of women affecting their confidence and performance.  Social norms inhibiting women from articulating personal needs.  Women experience Invisible barriers to entry in economic & political spheres.

Gender Perspective of Empowerment Gender Perspective of Empowerment  No men in SHGs  Resistance to women’s entry in local market and political structures  Family resistance to changing power relations  Continuing need for improving quality of life: education, literacy, health, child care, household chores

Empowerment through livelihood development: Problems  Microfinance programmes assume men and women face same challenges.  Management of household subsistence needs  Adding to household income stream – (‘work efficiency’; skills for home based activity etc,)  Managing a small business  Scaling up the small business