Transcript MCR HRD
Empowering Communities towards Poverty Free Andhra Pradesh G.V.S.Reddy, MD STHREE NIDHI 2 Nov 2012 SHG CENTRIC APPROACH FOR POVERTY ALLEVIATION • EFFECTIVE STRATEGY FOR POVERTY ALLEVIATION • POVERTY IS MULTI-DIMENSIONAL • SAVINGS WAS ENTRY POINT BUT NOW… • POOR ARE BANKABLE • LARGEST MICROFINANCE PROGRAMME IN THE WORLD STATE WISE DISTRIBUTION OF SHGs • Andhra Pradesh 10.50 lakh • Tamil Nadu 8.27 lakh • Maharshtra 7.71 lakh • West Bengal 6.47 lakh • Karnataka 5.35 lakh • Orissa 5.03 lakh • UP 4.30 lakh • • • • • • Kerala 3.94 lakh Assam 2.18 lakh Rajasthan 2.13 lakh MP 1.78 lakh Gujarat 1.68 lakh Bihar 1.40 lakh COVERAGE ALL INDIA AND AP ALL INDIA • 79 Lakh SHGs • 10 crore households • South India major share • 30% of the population covered • Per Group- Rs 122000 at all India level ANDHRA PRADESH • 1.09 crore women in 9.80 lakh S.H.Gs – All Villages and 90% of rural poor covered – Almost 50% population is covered – Per group –Rs225000 in 201112 – Accounts for 48% of the loan outstanding at All india level NEW INITIATIVES • LWA districts • NRLM • Replication of AP model SHGs-Rural Transformation Economic development Social development General empowerment-Rights based approach Institutional development AP-SERP Model EMPOWERMENT •Mobilization of the poor •Member managed C B O •Social capital OPPORTUNITIES •Education • Employment •Credit • Access to natural Resources REDUCING VULNERABILITY •Social Security-Insurance •Pension Scheme •Health •Debt swapping Impact of SHG appraoch • Social empowerment of women • Savings by the poor • Access to financial services-Money Multiplier effect • Emphasis on education • Improvement in health • Entering decision making bodies • Movement against social evils • Reduced dependency on informal money lenders and other non-institutional sources • Increased assets and income OUTCOMES OF INTERVENTIONS – Leveraging the power of the Collectives • Bank linkage: Rs 43,316.15 Crores given to SHGs (members are individually non-bankable) • CMSA: NPM of farming-NPM, SRI Paddy, 36’X36’ Model, NADEP, NPM Shops-Mobilization of 19.67 lakh farmers across 38.71 lakh acres • Dairy: Women SHGs and their federations have ensured minimum support price to milk in 4200 villages. • Marketing: VOs earn income by way of commission-26.11 lakh tons of agricultural produce worth Rs.2131 crores has been collected by VOs. • Health and nutrition: 4200 NDCCs -98% safe deliveries, 97% complete ANC recorded across all intervention areas in the state. • Social security: Isurance cover to 91 Lakh rural households. Coverage of 43 Lakh under Co- contributory pension. OUTCOMES OF INTERVENTIONS – Contd • Disability: Enhanced quality of life and opportunities for nearly 3 Lakh people with disabilities. • Education-Balabadi • Land related issues • Focus on PoP for development • ODF Villages through active involvement of VOs in convergence with the RWS and NREGS • Gender related issues-SAC • Family welfare measures-birth rate • Usage of IT 36 X36 Models • Seven tier intensive cropping model • Model developed based on principles of photo candle requirement and companion crops • Tool to achieve nutritional security at the households level Achievements: • So far 33,008 models established across state • The incomes from this model range from Rs.4,000-Rs.12,000 p.a • The highest income so far is Rs.19,000 p.a 11 Key elements of the NDCC Balanced diet • • • • Provision of breakfast, lunch & dinner as per standards Prepared by trained cook, the SHG member Regular use of millets (150g) Community gardens for regular use of leafy vegetables Internal lending • 2.5 lakh as one time grant to NDCC • Interest generation through SHG lending NHED • Regular training & health education •- Counseling at Growth monitoring 12 STHREE NIDHI • • • • • Community owned financial institution Timely and adequate credit Credit delivery in 48 hours Focus on poor Low cost credit delivery system Welcome