1. Sanjeev Kumar

2.  Common Risks in pro poor small ruminant farming  Strategic solution piloted for risk management  Key concepts and process of Community Insurance (mutuals)  Experiences of Model tested in Bundelkhand, Rajasthan & Jharkhand and other states with 44 partners  Future plans at The Goat Trust - 2020  Estimated Investment and Return

3. WELCOME Strengthening Goat based livelihoods : New Paradigm and approach tested In Partnership with Grass root NGOS “ Nurturing Lives & Livelihoods”

5. STATEDISTRICTPARTNERNO OF PASHU SAKHI UTTAR PRADESH Rae Bareli, Sitapur, Unnao, Balia, Bareilley, Bahrraich, Banda, Mahoba, shrawasti, Moradabad, Varanasi DRF, Vishwas, ADP – World Vision, AKF, TCL, 4 Bundelkhand partners 250 JHARKHAND West Singhbhum, RanchiJSLPS, KGVK 161 RAJASTHAN Alwar, Dausa, Ajmer, Tonk, Udaipur, Dungarpur, Pratapgarh, Bundi Ibtada & 5, IGWDP (NABARD), World Vision, PRADAN, CmF 225 MADHYA PRADESH & CG Sagar, Hoshandabad, Khandwa, Chattarpur, Amarwara, Bilaspur WVI-Bhopal,AKRSP, DMKS 225 KARNATAKA BijapurWorld Vision 60 WEST BENGAL Chitranjan, SalboniFYF, DRF 50 BIHAR Muzzafarpur, Madhubani, Betiah CRS, GDS, TCL, FnF 20 Maharashtra Ahmadnagar, TadobaDRF,BGVK 40 Total1031

6. 1. Pashu Sakhi (Up gradation to Pashu Nurse) 2. SMS alert for Fortnightly practices & disease surveillances 3. Integration of herbal kit and home based remedies with Pashu Sakhi 4. Community Livestock Managers (Self employment as breed saviour program) 5. Community based Goat Risk protection (SSY) 6. Bakari Bank on wheels 7. Bakari Paalak Paathshaala (EXPERENTIAL Learning PLATFORM) 8. Memna Nursery 9. Sand based non electric Duck egg incubator 10. Packaged goat manure 11. Live body weight market facilitation (pashubajaar.com) 12. Goat Resource center as Goat business service facilitation center 13. Artificial Insemination in Goats

7. Identified risks Intensity of risk Frequency of risk Cause /factors responsible Solutions tested 1. Mortality of goats (Contagious) HighMediumLimited access to preventative practices / low awareness/ lack of finance Door step timely Vaccination & deworming as part of insurance cost 2. MorbidityLowVery highLimited Access to basic health care Pashu Sakhi/CLM/ Local vet H and mobile based support 3. Infertility /Paralysis HighVery lowMineral and vit deficiency /low awareness Home based remedies and Insurance coverage 4. Feed scarcity/high cost High Reducing free feed sources, absence of alternative feeding strategies, preservation, seasonal management PRA based Feed seasonality, kidding seasonality and mortality analysis to develop annual plan-PS as knowledge disseminator and demonstrator 5. Low quality /Low productivity Medium Low herd size, Low awareness, high cost of buck keeping Institution building, alternative technologies – PS as change agent

8. प्रक्रिया व प्रबंधन Community based Goat Insurance Essence of process & Impact

9.  Livestock insurance coverage is less than 8%  Small ruminant like Goat Insurance coverage almost negligible  Problems lies on the both Supply (Insurance company) and Demand (Goat Farmer side)  Supply side problem  Genuine verification of mortality/Earlier fraudulent cases have set up a wrong precedence  Adherence to basic norms like vaccination and improved management (High risk inbuilt)  Remoteness of Goat farmers  Very small premium  Low awareness about Insurance claim process (High investment required)  Low access to basic health care

10.  Complicated formalities of insurance  High indirect cost of claim settlement  Low access to Insurance centers  Due to illiteracy & male migration/wage engagement, claim process is delayed and cases get rejected Solution proposed/tested On the line of SHG -bank linkage concept, a cluster based community Insurance group as peer pressure and basic health care services ensured and same collective platform can be used to link with mainstream insurance company to create win win situation for both. Sensitisation & capacity building of Insurance company and goat farmers is prerequisite

11.  Community Insurance is a mechanism of mitigating individual loss through collective contribution to a corpus, with an assumption that any of member can have loss and it can not be predetermined.  This system has both social and economical benefits. As the social component, it establishes a participatory and helping environment to contribute in adverse situation/loss to a neighbouring family  Economically, this system contributes in terms of monetary benefits against risk and save the families from the economical losses.

12.  Promotion of Pashu Sakhi and grading  Coverage of vaccination & de worming and control mortality (Take baseline & Keep track of mortality for a year)  Once capacity at key delivery level built and systems are set, mortality trend shows sharp decline, community institutions takes shape, process of mutuals for goat begin (However final decisions is only taken by community)  Preparatory stage – Field study to design product based on goat farmers perception towards such product Step 1 – Orientation of implementing team heads Step 2 – Training of field staff on concept, steps and tools for training at various level Step 3 – Training of Pashu Sakhies and community Leaders Step 4 – Training of each goat farmer on concept and claim process & taking consent from members Step 5. Setting a claim management and insurance promotion committee (PS & Lead goat farmers) Step 6 – Decision of date of launching it and collection of annual contribution (Subject to at least 100 collections before actual starting date)

13. 13 अपनी बकरी अपना सुरक्षा द गोट ट्रस्ट

14. STATUS REPORT OF SSY Up to Jul.’14 (APR.’2013-JUL.’2014) Sr.ParticularsGSVSGMVSIBTADASSDRMKMGDSTotal * Launching of SSY ( समुदाय सुरक्षा का सुभारम्भ ) Jun.’13Jul.’13Apr.’13Sep.’13Jul.’13Aug.’13 1 Total No. of Goats Inducted ( कुल दिया गया बकरी / बकरा ) 3074453352261563191788 2 Insurance of Inducted goats ( बीमा - नया दिया गया बकरी / बकरा ) 3074453352261563191788 3 Insurance of Existing goats ( बीमा - पहले से उपलब्ध बकरी / बकरा ) 64875681490105928 4. No. of HH ( घरों की संख्या ) 1261963018498163968 5 Total Goat Insured ( कुल बीमित बकरी / बकरा ) 3715329032402464242716 6 Total Premium Collected ( कुल किस्त प्राप्ति ) 62325130400469100400055240089760843990 7 Total no. of Claims ( कुल दिया गया क्लेम ) 12163267477 8 Total claim Amount disbursed ( कुल क्लेम राशि ) 28000377001055009500140007000201700 Analysis ( विश्लेषण ) 9. Avg. Premium Amount ( औसत किस्त राशि ) 167.99245.11519.49166.69213.01211.70 10. Mortality Rate ( मृत्यु दर ) 3.132.923.422.442.770.93 14 अपनी बकरी अपना सुरक्षा द गोट ट्रस्ट

15.  Partners – 5 (3050 families in 62 villages)  Functional Pashu Sakhi - 62  Kids Nursery – 350 kids  Community Insurance successfully worked with mortality rate below 6%  Now launched in 45 villages in Jhrakahnd with JSLPS Org nameTotal Goats Mortality in 24 months 1. GUS, Banda 1131101 2. DMKS, Chhatrapur 82533 3. KSS, Mahoba 33420 4. GDS, Lalitpur 131581 5. Vishwas Sansthan 143255 Total5037290 (5.75%)

16.  Community Insurance makes Pashu sakhi and support system accountable and responsive.  Vaccination and deworming gets demand based perspectives than supply based perspectives  New products and services need to be integrated in program to respond emerging client needs  Challenges  SHG network critical for success of goat farmers institution  Rigorous training and support is critical over a period of time, making cost high  Senisitisation of mainstream Insurance companies on linking community Insurance as leveraging mechanism to enhance penetration as business proposition need to shared on higher level

17. Qk;ns-  i'kqikydksa dks LFkkuh; सुरक्षा की miyC/krk ] सरल दस्तावेज izfØ;k o izca/ku dh le> dk fodkl rFkk tokcnsgh dk Kku  de vizR;{k ykxr o Dyse dk rhoz fuLrkj.k  vklku o lqxe izfØ;k o Dyse fuLrkj.k  vko';drkuqlkj सुरक्षा dojst dk fuekZ.k  de Dyse dh fLFkfr esas izhfe;e jkf'k okilh  chekjh ls cpko ij lkeqnkf;d tksj  xyr nkoksa dh tYnh igpku o naM fu/kkZj.k  leqnk; esa chek ds izfr iaqu% fo’okl dh LFkkiuk vkSjc vkxzg uqdlku ,slh सुरक्षा esa tksf[ke c<++us ij lkeqnkf;d usr`Ro dks lalk/ku ds vk/kkj ij nkok iwfrZ djuh gksrh gS vr% leqnk; esa fLFkfr Li"V u jgus ij erHksn iSnk gksrk gSA  सुरक्षा dojst dh jde T;knkrj le; vis{kkd`r de gksrh gSA 17 अपनी बकरी अपना सुरक्षा द गोट ट्रस्ट

18.  सुरक्षा dk fuekZ.k visf{kr tksf[ke dh HkjikbZ djus ds fy, gksrk gSA vr% सुरक्षा ds fuekZ.k esa i’kqikykdksa }kjk lkeuk fd;s tkus okys tksf[ke dks le>kuk vko’;d gSA  orZeku ifj;kstuk ds lanHkZ esa vkdfLed e`R;q ¼Vhdkdj.k fMofeZax o lkekU; bykt ds ckn½ dks lcls cM+k tksf[ke ekuk x;k gS rFkk bls doj fd;k x;k gSA  cdjh dh Ckka>iu (infertility) ¼,d lky rd xfHkZr u gksuk½ rFkk vkaf’kd i{kk?kkr ¼fiNys fgLls dk dke u djuk½ vfrfjDr tksf[ke ds :i esa ns[kk x;k gS ftlds fy, la;qDr सुरक्षा dojst fy;k tk ldrk gSA ;gkW i{kk?kkr ¼fodykaxrk½ dk rkRi;Z 'kjhj ds fiNys fgLls ds fuf"Ø; gksus ls gS ftlls vkxs mRiknu laHko ugha gSA rhu ekg ds mipkj ds ckn ifj;kstuk dehZ bls ykbykt ?kksf"kr dj nsus ijA,sls dsl esa mipkj 500 :0 dh lhek rd djkuk ykHkkFkhZ dh ftEesnkjh gksxhA 18 अपनी बकरी अपना सुरक्षा द गोट ट्रस्ट

19. i'kq vk;q o fLFkfr सुरक्षा dojst ¼vf/kdre½ U;wure otu  0 & 3 ekg ugha  3 & 6 ekg 500 :0 10 fdyks  7 & 10 ekg 1000 :0 14 fdyks  izFke ckj xfeZr cdjh 1500 :0 20 fdyks  O;Ld cdjh 2000 :0 20 fdyks  O;Ld cdjk ¼nks nk¡r½4000 : 25- 30 fdyks mijksDr lkj.kh esa dojst dks uLy ds vk/kkj ij cnyk tk ldrk gSA सुरक्षा ds fy, mi;qDr cdjh lfØ;] papy rFkk lkekU; LokLF; esa gksuk pkfg,A 'kjhj rFkk vkW[k esa ped] FkwFku dk xhyk gksuk rFkk ukd o vkW[k ls fdlh izdkj dk Jko ugha gksuk pkfg,A ;gkW ij LokLF; cdjh dss y{k.k dh le> dks gksuk t:jh gSA 19 अपनी बकरी अपना सुरक्षा द गोट ट्रस्ट

20. tksf[ke nkok jde  vkdfLed e`R;q 100 % chfer jkf'k dk  Ckka>iu 40 % chfer jkf'k dk  i{kk?kkr 50 % chfer jkf'k dk 20 अपनी बकरी अपना सुरक्षा द गोट ट्रस्ट सुरक्षा dojst dc ls 'kq: gksxk सुरक्षा dk izhfe;e tek djus ds 15 fnu ckn ls सुरक्षा dojst 'kq: करने का सुझाव दिया जाता है A bl chp fdlh chekjh dh vk'kadk gksus ij सुरक्षा fuyafcr gks tk,xkA ;g izfdz;k Vhe dks y{; ds izkfIr tckgnsg cukrk gS tks dh mRikn dks le; ij ykWUp djus esa enn djrk gSA

21. ग्राम स्तर संस्था क्लेम कमिटी fdlh cdjh@cdjk ds vkdfLed e`R;q dh fLFkfr esa nks LFkkuh; cdjh ikyd lfefr lnL; LFkkuh; i'kq l[kh] utnhd ds गाँव के cdjh ikyd lfefr ds lnL; dk e`r cdjh voyksdu vko';d gksxkA स्थल निरिक्षण व पंचनामा सी अल ऍम रिपोर्ट फॉर्मेट - २ अनुशंषा व भुगतान डाटा व भुगतान रसीद i'kq l[kh fjiksVZ,d fnu ds vanj rS;kj djuh gksxhA CLM अपनी fjiksVZ rhu fnu ds vanj rFkk ikf{kd ehfVax esa fu.kZ; dj 15-20 fnu esa Dyse का fuLrkj.k करना | 21 अपनी बकरी अपना सुरक्षा द गोट ट्रस्ट

22.  सुरक्षा ds Qk;ns dk izpkj izlkj  सुरक्षा dk izfØ;k o Dyse izfØ;k ij u;s lnL; izf'k{k.k  nkok fuLrkj.k- सही और तीव्र  lkekf;d Vhdkdj.k] d`feuk'kd rFkk cdjh izca/ku dSEi vk;ksftr djuk  नए सदस्यो को जोड़ना और उनकी वर्तमान बकरी को सुरक्षा प्रदान करना  क्लेम का वितरण जहाँ तक हो सके बकरी पालक समिति की बैठक में करना जिससे योजना पर ज्यदा से ज्यदा बकरी पलकों का विश्वास बढ़ सके | jkf'k dk izca/ku fdl izdkj gksxk सुरक्षा उत्पाद dh 'kq:vkr de ls de 100 cdjh ds izhfe;e tek gksus ls करनी gksxhA blds fy, nks ekg iwoZ,d frfFk r; करना होगा A fu/kkZfjr le; esa y{; izkIr करने के बाद उत्पाद की तय समय पर लॉंचिंग | समुदाय से izkIr va'knku jkf'k dk mi;ksx fuEu रूप से izLrkfor gS &  izca/ku izf'k{k.k o j{kkRed nokbZ;kWa & 20 %  laLFkkxr LVs'kujh] ;k=k] izksRlkgu & 10 %  Dyse ¼vf/kdre½ & 70 % 22 अपनी बकरी अपना सुरक्षा द गोट ट्रस्ट

23.  izFke Ng ekg rd dyLVj usrk dks flQZ ;krzk O;; fn;k tk,xk rFkk mUgsa,d fu/kkZfjr chek y{; izkIr djuk gksxkA  i'kq l[kh dks mlds }kjk izLrkfor rFkk tek dh x;h jkgr jkf'k dk,d izfr'kr izksRlkgu (incentive) ds :i esa fn;k tk सकता है A  उपरोक्त izksRlkgu राशि उत्पाद के सफल व्यवसाय पर ही निर्भर करेगा और व्यवसाय की सफक्लता / लाभांश अधिक होने व्यवसाय izfr'kr को बढ़ाया भी जा सकता है |  योजना के एक वर्ष संपूर्ण होने पर बकरी पालक द्वारा कोई भी क्लेम ( दावा ) ना लेने की स्तिथि में No Claim Bonus (NCB) बोनस / छूट कम मृत्यु दर होने पर दिया जा सकता है | 23 अपनी बकरी अपना सुरक्षा द गोट ट्रस्ट

24. 24 अपनी बकरी अपना सुरक्षा द गोट ट्रस्ट

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