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53
CHAPTER - III
PROFILE OF THE STUDY AREA
3.1 Introduction
The physical survey of an area provides basic details of that particular region,
which further helps in understanding the socio-economic condition of people residing
over there. An attempt is made in this chapter to give a brief profile of the State of
Karnataka and the profile of the sample district chosen, i.e. Gadag District. This
chapter is presented in three sections. Section-I deals with the brief profile of the State
of Karnataka. Section-II presents the profile of the district chosen, with details of
climate, agriculture, industry, demographic features etc. and brief profile of selected
sample villages. Section- III deals with the profile of StreeShakti, a Karnataka State
Govt. Sponsored scheme and selected Microfinance Finance Institution (MFI) -
SKDRDP.
Section-I
3.2 Socio-Economic Profile of the Karnataka State in Brief
Karnataka is the 8th largest state in terms of area and 9th largest populated
state in southern India. For administrative purposes the state has been divided into
four Revenue Divisions, 49 sub-divisions, 30 districts, 177 taluks. ‘Bengaluru’is the
capital city and Kannada is an official language of the state. The state has semi-
tropical climate. The table below shows key demographic and geographic indicators
of the state.
54
Table –3.1
Geographic and Demographic Indicators of Karnataka - Year 2011
Source: gen-profile-state.pdf
Sl . No Indicators Unit Karnataka
1 Geographical Area Lakh Sq. Km 1.91
2 Length Kms (north-south) 760
3 Breadth Kms (east-west) 420
4 Population Crore 6.11
5 Urban to Total
Population
Percent 38.57
6 Rural to Total
Population
Percent 61.43
7 Population Growth
Rate
Percent 15.67
8 Sex-Ratio Females per 1000
males
968 females
9 Density of Population Population/Sq. Km 319
10 Literacy Rate Percent 75.60
11 Male Literacy Percent 82.85
12 Female Literacy Percent 68.13
13 Birth Rate Per 1000 Mid-year
Pop.
18.8
14 Death Rate Per 1000 Mid-year
Pop.
7.1
15 Rainfall Millie meter 500-4000
55
Economic Profile of the State
Karnataka is the Middle -Ranking State among 15 major States of India on a
variety of development indicators. The HDR of Karnataka is 10 among 19 major
States. The following tables show key economic indicators and basic economic
details of the state.
Table- 3.2
Economic Profile of the State
Sl.No Particulars Unit Year Karnataka
1 Primary Sector Percent 2011-12 17.20
2 Secondary Sector Percent 2011-12 26.50
3 Tertiary Sector Percent 2011-12 56.3
4 Growth Rate of
Economy
Percent 2007-12 8.0
5 Gross State
Domestic
Product[GSDP]
Rs. In
Crore
2012-13
Constant (2004-05)
Prices
303,444
Current Prices 527,492
6 Economic Growth
Rate as per GSDP
Percent 2012-13
Constant Prices 5.9
Current Prices 13.9
7 Per Capita Income Rupees 2012-13
Constant Prices 87,359
Current Prices 50,254
8 Average NSDP [Net
State Domestic
Product]
growth rate
Percent 2011-12 14.7
Source: gen-profile-state.pdf
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Table 3.3
Micro Finance Profile of Karnataka
Source: Microfinance Map of India "The Bharat Micro Finance Report - 2013"
(http://www.sa-dhan.net/Sa-dhan-indian-map.htm)
Section-II
3.3 Brief Profile of the Gadag District.
Gadag, a culturally rich district located in the western part of northern
Karnataka. The district was formed on24-8-1997, splitting it from Dharwad District.
The Gadag District is bound by 6 districts namely Bagalkot on the north, the Koppal
on the east, the Bellary on the southeast, the Haveri on the southwest, the Dharwad on
Sl.No. Particulars Description
1 Total no. of MFIs operating in the
state
22
2 No. of MFIs having HQ in the state 12
3 Banks providing microfinance
services
56 (Public Banks=23,
Private
Banks=8,RRBs=4,DCCBs=21 )
4 Total No.of SHGs under SBLP 645695
5 Total savings - client outreach 9039730
6 Total SHG - savings with banks 115618.92 (in lakhs)
7 Total credit - client outreach 9488358
(MFIs=4178088, Banks=5310270)
8 Total portfolio outstanding 715092.28 (in lakhs)
9 No. of districts served by MFI 29
10 Out of which No. of poorest
districts
9
57
the west and the Belgaum on the northwest. Actually no river flows into the district,
Malaprabha River in the North and Tungabhadra in the South flows in the border of
district. (Karnataka: The Knowledge Hub of Asia).
Table-3.4
Basic Details of Gadag District
Sl.
No
Indicators Units Gadag District
1 Geographic Location North Latitude
and East
Longitude
15 25' 0"
75 37' 0"
2 Temperature Celsius 37.3 (Max), 16.5 (Min)
3 Average Rainfall Millie meter 668
4 Geographical Area Kilometres 4,656
5 District Headquarters - Gadag
6 Division - Belgaum
7 Taluks Numbers 5 namely, Gadag-Betgeri,
Ron, Shirhatti, Nargund and
Mundargi.
8 Population Numbers 1,065,235( 2011 census)
9 Population Density Population/Sq.
Km
229 (2011 census)
10 Gram Panchayats Numbers 106
11 Villages in Gadag district Numbers 346
12 Literacy Rate Percent 75.12%
13 Per capita Annual Income Rupees 19,409
Source: District profile- Gadag. Census of India District-code for Gadag: 561
58
Table-3.5
Topographical Information of Taluks in Gadag District
Sl.No Particulars Gadag Ron Nargund Mundaragi Shirahatti Total
1 Area
(Sq.Kms) 1097 1291 435 884 949 4656
2 GramPanc
ayat 25 30 12 15 24 106
3 Hoblis (No.) 02 03 02 02 02 11
4 CMC/TMC/T 02 03 01 01 02 09
5 Total
Villages 64 93 35 58 87 337
6 Uninhabited
Villages 03 - 01 04 - 08
7 Geographical
Area
(hectares)
109751 129091 43562 88398 94913 465715
8 Agricultural
Area
(hectares)
103805 119330 41250 65822 74250 404457
9 Non-
Agricultural
Area
(hectares))
4197 9485 2312 4930 7720 28644
10 Forest
Area
(hectares)
1749 276 - 17646 12943 32614
Source: District profile- Gadag
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Table-3.6
Ranking of the Gadag District in the State as per census 2011
Sl.no Particulars Rank obtained
1 Ranking by sex Ratio 15th
2 Ranking by Population density 20th
3 Ranking by Literacy 13th
4 Ranking by Female literacy 17th
5 Ranking by male Literacy 10th
6 Ranking by Population size 27th
Sources: Census of India (2011) provisional population totals Karnataka.
Table-3.7
The Demographic Features of the Gadag District:
Sl.No Description Units 2011 2001
1 Actual Population Numbers 1,064,570 971,835
2 Male Numbers 537,147 493,533
3 Female Numbers 527,423 478,302
4 Population Growth Percent 9.54 13.13
6 Density of
population
Population/Sq.
Km 229 209
7 Proportion to
Karnataka
Population
Percent
1.74 1.84
8 Sex Ratio Per 1000 male 982 969
9 Child Sex Ratio 0-6 Age 947 952
10 Average Literacy Percent 75.12 66.11
11 Total Child
Population
0-6 Age 132,442 137,835
12 Male Population 0-6 Age 68,025 70,627
60
13 Female Population 0-6 Age 64,417 67,208
14 Literates Numbers 700,177 551,362
15 Male Literates
Numbers 397,178
(84.66%) 335,442(79.32%)
16 Female Literates
Numbers and
percent
302,999
(65.44%)
215,920
(52.52%)
17 Child Proportion
(0-6 Age)
Percent 12.44 14.18
18 Boys Proportion
(0-6 Age)
Percent 12.66 14.31
19 Girls Proportion
(0-6 Age)
Percent 12.21 14.05
Sources: Census of India (2011) provisional population totals Karnataka
Figure- 3.1
Rural Urban Population in Gadag District
0
100000
200000
300000
400000
500000
600000
700000
Rural Urban
347585 189562
337676 189747
685261 379309
Male Female Total
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Figure- 3.2
Rural Urban Literacy Rate in Gadag District
Table - 3.8
Taluk Wise Area and Population
Source: Gadag District at a Glance-2012-13
0
50000
100000
150000
200000
250000
300000
350000
400000
450000
Male Literacy Female Literacy Total Literacy
250701
178972
429673
146477 124027
270504
Rural Urban
Taluk Wise Area and population As per 2011 census
Sl.
No.
Talukas Geographi
cal area
(in sq.
km.)
Population Total no. of households Decinial
growth rate
(in %) Male Female Total Urban Rural Total
1 Gadag 1097 184572 182686 367258 40955 36684 77639 10.41
2 Mundera
gi
884 66856 65041 131897 4930 21694 26624 13.20
3 Naragund 435 51276 49347 100623 7433 12639 20072 8.37
4 Ron 1291 132566 131557 264123 14547 38801 53338 6.45
5 Shirahatti 949 101877 98792 200669 11449 29964 41413 9.54
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3.3.1Agriculture profile
Gadag is predominantly an agriculture-based district and cultivable land is the
backbone of its economy. The average extent of land available per capita is 0.48
hectares. According to the latest land utilization statistics, out of the total geographical
area 75.87 per cent is the net area sown. Agriculture contributes about 65.5 percent of
the income of the district.
District has two agro climatic zones -the North Dry Zone and North
Transitional Zone. District has both black soil and red sandy soil so the crops of
different kind can be grown. Good infrastructure for agriculture marketing is
available. The district has a moderate rainfall pattern in major parts, to grow
short/long duration crops and for adopting mixed and inters cropping.
Table – 3.9
Basic details of the Agriculture in the district.
Sl.No Particulars Units Gadag
Area under cultivation Hectares 3,86,500
1 Irrigated area Percent 19
2 Agro climatic classification Zone 3, 8
4 Land use Hectares -
5 Total Geographical area Hectares 465.7
6 Forest area Hectares 32.6
7 Net area sown Hectares 380.1
8 Area sown more than once Hectares 165.8
9 Gross cropped area Hectares 545.9
10 Net irrigated area Hectares 69.5
11 Gross irrigated area Hectares 78.8
12 Rain fed area Hectares 310.6
13 Land available per capita Hectares 0.48
Source: Gadag District at a Glance-2012-13
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Major Crops
The major food crops are jowar, wheat, maize and pulses while the
important commercial crops are groundnut, chillies, onion and cotton. The
major horticultural crops grown in the district are pomegranate, chickoo and
flower. Sericulture activity, though made a beginning, is yet to pick up in the district.
The district has a semi-arid climate, which favours the growth of seasonal
crops like maize, sorghum, green gram, groundnut, sunflower, onion, and chilli during
kharif season, and cotton, rabi, jowar, bengal gram, and wheat during the rabi season.
Table – 3.10
Distribution of area under Major Crops
Sl. No Major crops Area in
percentage
1 Sunflower 23%
2 Greengram 23%
3 Groundnut 13%
4 Bengalgram 11%
5 Cotton 30%
6 Major exportable items Nil
Source: District profile- Gadag
Table – 3.11 Landholding pattern (No of farmers)
Sl.no Farmers Type Total
Number
1 Marginal farmers 25452
2 Small farmers 53785
3 Semi Medium farmers 43240
4 Medium farmers 23226
5 Large farmers
3873
Source: District Profile –Gadag
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Gadag is considered as one of drought prone district in the state out of 22
districts during 2013-14 by the state. Rona and Naragund are identified as drought
prone taluks in the district. And government declared immediate actions to be taken to
meet the emergency needs. (Proceedings of government of Karnataka)
3.3.2 Horticulture profile
Major Fruits:Mango, Sapota, Banana, Grapes, Pomegranate
Vegetable Crops: Tomato, Onion, Brinjal, Chilli
Plantation Crops: Coconut, Oil Palm
Medicinal & Aromatic: Amla, Ashwagandha, Citronella, & Lemongrass
Table 3.12
Area under Major Horticulture Crops (in percentage)
Sl .No Horticultural Crops Area
1 Vegetables 61%
2 Spice 31%
3 Fruits 5%
4 Plantation 2%
5 Flowers 1%
Source: District Profile -Gadag
Figure- 3.3
Area under Major Horticulture Crops
61%
31%
5% 2% 1%
1 Vegetables
2 spice
3 fruits
4 plantation
5 flowers
65
3.3.3 Industrial profile
Gadag is a major industrial centre next to Hubli – DharwadKanaginahal was
the place in Gadag where ‘the first cooperative moment in Asia’ took birth a century
ago. This led to the development of textile mills, oil seeds, technical and engineering
colleges. The small scale industries in Gadag constituted about 1.9 percent of the total
units in Karnataka. Of these, nearly 40% are located in rural areas has against the state
proportion of about 38%.Falling in line with the state, food and food processing
industry provides the highest employment in the district followed by textiles, printing,
metal products, machine tools, furniture and paper products. Gadag is also known for
Wind power GenerationGadag has an ideal ecosystem for Tourism, the district has
one of the oldest ‘Bird Sanctuaries’District has six potential locations for exploration
of gold.
Small Scale Industry
There are 7550 small scale industries in the district with an investment of Rs.
10481.23 Lakh employing 26725 people.
Table – 3.13
Investment and Employment in Small Scale Industries in the District
Sl.No Year Units Investments
(Lakh) Employment
1 2004-05 160 599 682
2 2005-06 201 431 756
3 2006-07 205 458 642
4 2007-08 221 244 961
5 2008-09 220 397 1.405
6 2009-10 240 441 1,250
Source: (Karnataka: The Knowledge Hub of Asia)
66
Table – 3.14
Type of Small Scale Industries in the District
Source: MSME-Development Institute, Hubli (Ministry of MSME, Govt. of India,)
Sl. No Type of Industry Number of
Units
Investment
(Lakh Rs.) Employment
1 Agro based 998 1573.97 4392
2 Soda water 67 117.56 331
3 Cotton textile 530 297.97 3165
4
Woollen, silk &
artificial Thread
based clothes.
48 540.05 743
5 Jute & jute based - - -
6
Ready-made
garments &
embroidery
356 87.57 1056
7 Wood/wooden based
furniture 418 236.52 1470
8 Paper & paper
products 127 496.81 673
9 Leather based 342 40.99 952
10 Chemical/Chemical
based 146 69.10 578
11 Rubber, Plastic &
petro based 65 193.76 250
12 Mineral based 53 116.54 244
13 Metal based (Steel
Fab) 42 54.93 187
14 Engineering units 98 105.91 413
15
Electrical machinery
and transport
equipment
21 526 43
16 Repairing & serving 209 116.06 695
17 Others 141 392.91 697
18 Kachori Making - - -
Total 3661 4966.65 15889
67
Large Scale Industries / Public Sector undertakings
1) The Gadag Co-operative Textile Mill Ltd., Hulkoti
2) The Farmer Co-operative Spinning Mill Ltd., Hulkoti
3) The Farmer Co-operative Oil Mill Ltd., Binkadakatti
4) Sri SomeshwarFarmers’ Co-operative Spinning Mill Ltd., Laxmeshwar
5) The Vijayanagar Sugar Factory Pvt. Ltd., Gangapur, Mundargi
3.3.4 Banking profile
Gadag district has nationalized, private and co-operative banks, actively
working. As on Jan 15, 2015 there are 45 NEFT, RTGS, enabled computerized bank
branches in Gadag district.
Table -3.15
Bank Branches in Gadag District.
Source: MSME-Development Institute, Hubli (Ministry of MSME, Govt. of
India,)
3.3.5 Microfinance Institutions in the District
MFIs belong to non-bank ‘other formal’ financial institutions, providing
services to people at the distal end of the access continuum. There are many MFIs
operate in the district among them important are listed below along with their brief
profile.
Sl no Agency Number of branches as on (2010)
1 Commercial Bank 59
2 Rural Bank 42
3 Co-Operative bank 07
4 PLDB 04
68
Table – 3.16
Micro Finance Institutions (MFIs) Operating in Gadag District
Source: Microfinance Map of India "The Bharat Micro Finance Report - 2013"
http://www.sa-dhan.net/Sa-dhan-indian-map.htm
Sl.
no Organisation HQ state
No of
District
operating
Operations
in States
Client
Outreach
Loan
Portfolio(in
lakhs)
1
Sri
KshetraDharmasthala
Rural Development
Project (SKDRDP)
Karnataka 08 Karnataka 2,314,075 2,08,205.55
2 Agricultural Science
Foundation
Karnataka
01 Karnataka
11,600
684.95
3 Janodaya Public
Trust
Karnataka
11
Karnataka
9,988
699.63
4
Ujjivan Financial
Services Private
Limited
Karnataka
42
Karnataka
& 10 more
states
1,006,052 1,12,599.73
5
IDF Financial
Services Private
Limited
Karnataka
O9
Karnataka
89,430 5,969.29
6 SKS Microfinance
Pvt Ltd
Andhra
pradesh 213
ANDHRA
PRADESH,
Karnataka
and 16 other
states
4,308,300 1,49,040.78
7 AsmithaMicrofin Ltd Andhra
pradesh 120
ANDHRA
PRADESH,
Karnataka
and 11 other
states
958,935 107,105.76
69
3.3.6 Infrastructure
According to the Suvarna Karnataka Development Corridor, a steel zone has
been proposed for Gadag district 3808 acres of land have been identified for
investment opportunities in Janti, Shirur, Petalur, Telagi & Merundi villages of
Mundaragi taluk. Gadag has nearby ports in Karwar and Mangalore for import and
export trade around the year.
3.3.7 Education & Health
The district had 795 primary schools with total student strength of 144068.
There were 248 high schools with 51175 students and 83 pre university colleges with
18,183 students. The district had 47 General education colleges with 7412 students, 5
polytechnics with 2272 students and 3 engineering colleges with 2895 students. There
are 4 B.A.M.S. colleges with 505 students. The district had 22 libraries and 106 gram
panchayat Libraries. The district had 9 allopathic hospitals, 19 hospital with Indian
medicine system (Ayurvedic hospital) 3 Homoeopathic Dispensaries. There were122
private hospital including nursing homes with 707 beds. The district had 37 primary
health centers, 6 primary health units, 15 dispensaries of Indian medicines and 3
family welfare centers and 185 sub centers.
3.3.8 Work force Participation
The work force participation is an important indicator of economic growth. It
reflects the level of overall economic activity in a particular region or area. The
persons in the age group of 15-59 are considered as workers or work force. The
following tables provide the taluk wise information of labor force in the district.
70
Table – 3.17
Taluk Wise Classification of workers
Classification of workers
SL.
NO.
Talukas
Main workers
Marginal workers
Non-workers
Male Female Total Male Female Total Male Female total
1 Gadag 95423 41781 137204 10728 13684 24412 78421 127221 205642
2 Mundargi 35324 19427 54271 3845 7147 10992 27687 38467 66154
3 Naragund 26637 12160 38797 2973 6205 9178 21666 30982 52648
4 Ron 68298 38531 106829 6414 10320 16734 57854 82706 140560
5 Shirahatti 56045 29465 85870 4365 6560 10955 41107 62737 103844
Source: Gadag District at a glance – 2012-13
71
Table- 3.18
Taluk Wise Classification of Labourers
Classification of labourers
Sl
No. Taluka
Agricultural
cultivators Agricultural labourers
Non-agricultural
labourers
Male Female Total Male Female Total Male Female total
1 Gadag 21974 6669 28643 17908 19883 37791 78421 127221 205642
2 Mundargi 14014 4136 18150 10913 12172 23085 27687 38467 66154
3 Naragund 12860 3863 16723 5990 6273 12263 21666 30982 52648
4 Ron 26081 8670 34751 19756 23813 43569 57854 82706 140560
5 Shirahatti 17556 5093 22649 21016 19669 40685 41107 62737 103844
Source: Gadag District at a glance – 2012-13
3.3.9 Brief Profile of Selected Sample Villages in Gadag District
The following tables provide information about the socio economic profile and
SHG details of the selected sample villages.
72
Table- 3.19
Profile of Selected Sample Villages in Gadag
Sl.
No
Name of selected villages in GadagTaluk
Variables Adavisomapura Antur Asundi Binkadakatti Harti Hombal Hulkoti Nagavi
1 No. of
households 784 580 837 757 859 1813 2376 700
2 Total
population 3758 2716 3862 3302 4005 8092 11075 3475
3 % of females 47.92% 49.74% 49.94% 50.21% 50.16% 50.06% 48.41% 39.79%
4 % of SC 3.27% 5.96% 11.91% 7.2% 12.1% 9.62% 11.9% 15.30%
5 % of ST 8.56% 10.75% 5.1% 0.87% 8.86% 7.006% 5.32% 6.15%
6 Literacy rate
(in percent) 63.87 % 72.07% 85.17% 87.83% 72.61% 75.92% 82.23% 67.75%
7 Cultivators 442 400 452 476 652 1180 675 442
8 Agri-labourers 548 653 414 527 739 2060 1242 738
Source: Gadag District: Census 2011 data
73
Table- 3.20
Profile of Selected Sample Villages in Ron Taluk
Name of selected villages in Ron Taluk
SL
NO. Variables Sudi Holealur Belavanki Abbigeri Jakkali Itagi Menasagi Rajur
1 No. of
households 1224 1733 1060 1799 1006 955 907 972
2 Total
population 5976 8095 4839 8608 4878 4533 4474 5484
3 % of females 49.14% 50.03% 48.58% 50.08% 49.03% 51.64% 49.07% 48.46%
4 % of SC 25.43% 11.62% 9.11% 14.70% 10.76% 18.75% 13.29% 23.12%
5 % of ST 3.59% 12.64% 5.94% 8.21% 9.64% 1.32% 0.87% 6.58%
6 Literacy rate (in
percent) 80.07% 81.13% 71.41% 75.34% 80.43% 78.32% 69.90% 68.89%
7 Cultivators 401 261 1048 1203 509 883 732 521
8 Agri-labourers 703 NA 1184 2179 759 986 1051 1448
Source: Gadag District: Census 2011 data
74
Table- 3.21
SHG details of sample villages in Gadag Taluk
Sl.
No
Name of
village
Total No.
of SHG
Groups
Total No.
of SC
Groups
Total
No. of
ST
Groups
Total
No. of
OBC
Groups
APL BPL
1 Advisomapur 69 12 5 32 38 809
2 Antur 105 2 9 8 46 1218
3 Asundi 65 0 0 49 05 791
4 Binkadakatti 60 2 1 2 03 432
5 Hombal 91 6 5 15 182 1057
6 Hulkoti 96 4 2 88 46 867
7 Nagavi 91 20 8 1 147 1063
8 Harti 69 4 3 9 60 812
Source: panchatantra.kar.nic.in
Table- 3.22
SHG details of sample villages in Rona Taluk
Sl.
No
Name of
village
Total No.
of SHG
Groups
Total No.
of SC
Groups
Total
No. of
ST
Groups
Total
No. of
OBC
Groups
APL BPL
1 Abbigeri 53 3 2 1 62 546
2 Belavanaki 76 3 2 23 62 868
3 Holealur 68 13 1 3 59 725
4 Itagi 49 5 0 5 5 557
5 Jakkali 110 6 9 0 30 1291
6 Menasagi 65 8 0 0 182 564
7 Rajuru 64 5 4 0 1 706
8 Sudi 87 21 6 7 41 960
Source: panchatantra.kar.nic.in
75
Section- III
This section of the study deals with the brief introduction, objectives and
working of Stree Shakti scheme and SKDRDP in Provision of Microfinance through
Bank- Linkage for Women empowerment.
3.4.1 Brief Profile of Stree Shakti Scheme
A Women Empowerment Scheme, Launched by the Government of Karnataka.
The strategy adopted for the programmes in the areas of women development
involves the empowerment of women through education and awareness generation
and greater emphasis on vocational training and employment so as to enable them to
enter the mainstream of economic development as equal partners.
The department implements programmes in the areas of employment,
training for women, awareness generation and gender sensitization. The emphasis is
on helping women to become self-sufficient and economically independent with the
help of training and income generating activities so as to enhance their earning
capacity and to bring up their status in life.
The department aims at the economic development and integration of
women into the main stream of society and also as individuals with a right to human
dignity. Besides expanding the on-going programmes, the department has evolved
some innovative schemes such as "Stree Shakthi" for empowerment of women and
"Santhwana" for providing assistance to victims of various atrocities in the society.
Details of Stree Shakthi Scheme-
The programme was launched by the government of Karnataka during 2000-
01 and it is being implemented throughout the state to empower rural women and
make them self-reliant. Stree Shakthi Groups are formed at the village level to
inculcate the savings habit in the members empowering the women economically.
About 15 to 20 women members who are from below poverty line families,
landless agricultural labourers, SC/ST women join together. StreeShakthi Groups
are formed through Anaganwadi workers and taluk federations. At present there are
1.40lakhs groups functioning in the state approximately 21 lakhs women members are
organized.
76
Table- 3.23
Progress under StreeShakti Scheme
Sl. No Years Expenditure (Rs. In Lakh) Achievement (No.)
1 2009-10 832.93 49989
2 2010-11 97083 86359
3 2011-12 795.36 54145
4 2012-13 1040.48 20904
5 2013-14 663.26 30076
Source: Economic Survey of Karnataka 2013-14
Aims and Objectives:
1. To strengthen the process of economic development of rural women and create a
conducive environment for social change.
2. To form a self-help group based on thrift and credit principles which builds self-
reliance and enable women to have greater access and control over resources.
3. To increase the income levels of rural women by engaging them in; Income
generating activities and creating financial stability.
Savings and Inter Loaning:
Stree shakthi group members have saved Rs.1118.05 crores since inception.
120155 groups have availed bank loans to the extent of Rs.1305.97 crores and have
done internal lending of Rs. 3215.88 crores to take up various income generating
activities.
Revolving Fund:
To help SHGs to take up income generating activities, the department has
contributed an amount of Rs.-5,000/- as revolving fund to add to the corpus of each
group which is used for taking up income generating activities. So far 1, 13,478
SHGs have been given this revolving fund
77
Training:
Training to members of women SHGs constitutes an important component in
Stree Shakthi Programme. The first phase of training for 11 lakh members was taken
up to orient SHG members about the Stree Shakthi Programme. In the second phase
training in gender issues, leadership qualities, communication skills were taken up. In
the third phase training in book keeping, credit management and social issues were
taken up. So far 92,709 groups have been trained in credit management, 97,213
groups have been trained in book keeping and 94,819 groups have been trained in
social issues. In co-ordination with NABARD and MYRADA a capacity building
training programme for Supervisors of Women and Child Development Department
was conducted. Total cost of the training programme is Rs.6.00 Lakhs. 50% of the
training cost is borne by the Department and 50% by NABARD.
Training in Fashion Designing was given to 30 members from Streeshakthi
groups through National Institute of Fashion Technology.
Credit Linkages to SHGs:
As at the end of March 99,969 groups were eligible for credit linkage
with banks and also to take up income generating activities. So far 90,182 groups
have been credit linked and given financial assistance to the extent of Rs. 496.13
crores.
Income Generating Activities:
74,896 SHGs have taken up various IGA programmes available in other
Government Departments namely, Animal Husbandry, NirmithiKendras etc., A few
of these groups have been given training and technical support under Giriraja
Scheme of Animal Husbandry Department. The department has also assisted the
SHGs to procure Giriraja birds. So far 14,718 groups have taken up this activity and
invested Rs.3.81 lakhs towards purchase of Giriraja birds. Different activities taken up
are as follows;
1. Dairying
2. Production and sale of ready-made garments
3. Blanket marketing
78
4. Marketing of seeds and manure
5. Production and sale of
a. Papad
b. Sambar Powder
c. Agarbathi etc.
6. Production and sale of composite manure.
7. Production and sale of soap and detergent.
Table- 3.24
Details of SHGs promoted under streeshakti scheme in Gadag District
Sl.No Name of
taluk Gadag Rona Shirahatti Mundaragi Naragund
1 Total no. Of
SHGs 675 875 737 708 431
2
No. Of
SHGs taking
up Economic
activities
612 712 576 574 224
3
Total savings
of the SHG
member
391.12
lakhs
425.64
lakhs
330.19
lakhs
297.15
lakhs
226.39
lakhs
4
Total amount
of Internal
loan
generated by
SHG
member
546.13
lakhs
575.94
lakhs
445.23
lakhs
427.74
lakhs
198.89
lakhs
5
Total amount
of Bank loan
obtained by
the members
475.58
lakhs
591.77
lakhs
390.11
lakhs
430.61
lakhs
443.35
lakhs
6
Amount of
Repayment
of bank Loan
135.47
lakhs
198.78
lakhs
116.65
lakhs
137.58
lakhs
328.17
lakhs
Source: (CDPO Office, Gadag District)
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Table- 3.25
Total number of SHGs in Gadag District
Sl.No Taluk
name
No. of
GPs
No. of
Unemployed
Members
No. of
SHGs with
Complete
details
No. of
SHGs with
Incomplete
details
No. of
confirmed
SHGs
1 Gadag 25 757 1668 46 1197
2 Mundaragi 15 770 1214 33 1206
3 Naragund 12 891 848 1 155
4 Ron 30 841 1491 26 1396
5 Shirahatti 24 744 1305 12 397
Total 106 4003 6526 118 4351
Source: panchatantra.kar.nic.in
3.4.2 Brief Profile of Shri Kshetra Dharmasthala Rural Development
Project (SKDRDP) MFI
SKDRDP, which has started in 1982 as a charitable trust to provide livelihood
support programmes to the poor and marginalised in various parts of Karnataka. It is
located in Dharmasthala, a temple village in the state of Karnataka, Dr.Veerendra
Heggade, who heads the management of SKDRDP. The organisation commenced
microfinance operations in 1996 , following SHG model wherein groups of 15-20
members are collectively responsible for repayment of loans sanctioned to each
member .The trust focuses on women and marginalised farmers to make them
financially self-sustainable. Consequently the organisation partnered with banks to
provide SHG-bank credit linkage facilities to SHG members. Every SHG has a leader
and all the SHGs in a village are organised into a federation, headed by a president.
The SHGs meet periodically to mobilise savings, deliver credit, and collect
repayments. MFI trains SHGs on maintenance of required documentation, book-
keeping, and the conduct of meetings and allied affairs. SKDRDP is one of India’s top
five MFIs in terms of loans outstanding and client base.
80
Table-3.26
General details of SKDRDP
Name of the MFI Shri Kshetra Dharmasthala Rural Development Project
Year of Establishment 1982 (microfinance operations commenced in 1996)
Legal Status Registered under the Indian Trusts Act, 1881
Trustee Dr. D VeerendraHeggade
Corporate Office Dhamasthala, Dakshina Kannada District, Karnataka
Operating State(s) Karnataka, Kerala
Lending model Self-Help Group (SHG)
Number of Branches 124
Loan outstanding Rs.18.92 billion as on September 30, 2013
Loan disbursed Rs. 2323 crs in 2013-2014
Loan Portfolio Rs. 3200 crs 2013-2014
Geographical reach 23 district of Karnataka
Villages covered 20,842
SHGs No. 245,000
Members 2,866,000
Client outreach 30 lakh
Products & Services
Offered
Micro Credit, Micro Pension, Health & Sanitation,
Insurance, Water, Education
Source: CRISIL MFI Grading, Directory of Microfinance Institutions (MFIs)
in India
81
Table- 3.27
Product Portfolio of SKDRDP
Loan Purpose Maximum
size
Repayment
(months)
Interest
rate
First loan
Income –generating activities
(IGA)(eligibility on
completion of 3 months of
saving)
10,000 18 18.00
Revolving
fund
Consumption (education,
marriage, purchase of
household products,
&repayment of other loans)
25,000 36 18.00
Livelihood
loan Agriculture , IGA 30,000 48 18.00
Infrastructure
loan
Purchase of farm asset and
construction of (wells, bore
wells, tanks) and land
improvement
30,000 60 18.00
Swagruha Construction/repair of house 1,00,000 120 12.5
SRI loan
Sanctioned with NABARD
for paddy cultivation and
purchase of farm equipment
10,000 6 9.00
Source: CRISIL MFI Grading.
Table- 3.28
Total number of SHGs promoted by SKDRDP in Gadag District
Sl.No Name of
Taluk No. of SHGs
1 Gadag 2793
2 Ron 2593
3 Shirahatti +
Mundaragi 2508
Total 7894
Source: Head office SKDRDP, Gadag.
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Credit Sanctioning Process.
Member’s credit application are screened by their SHG and federation, and
then forwarded to SKDRDP, which grades the group on a four point scale. An SHG
that scores two points or more become eligible for credit, while the others need to
undertake further training. SKDRDP borrows from commercial banks and disburses
the funds to the SHGs for onward lending to members, at a diminishing interest rate
of 10-18 percent. SKDRDP charges 1.00 percent as processing fees except for the
subsidised loan. Member’s cumulative loans cannot exceed 30 times his/her savings
(for IGA) and 20 times the savings (for non-IGA).Life cover is mandatory for loans
above Rs.50, 000.
3.5) LIST OF MICROFINANCE INSTITUTIONS IN KARNATAKA.
1. ASK Hulkoti
2. Asmitha
3. BASIX
4. BSS
5. Chaitanya
6. FFPL
7. GFSPL
8. GMASS PRAWARDA
9. IDF
10. Janalakshmi
11. Kaveri Credit
12. Navachetna
13. Nirantara
14. NKRDS
15. PRAK FOUND
16. Rores Micro Entrepreneur Development Trust
17. Samasta
18. Samuha
19. Sanghmitra
20. Spandana
21. SKDRDP
22. SKS
23. Ujjivan
24. UrsSeva Trust
All the institutions, except Sanghmitra, are AKMI members.
(Source: AKMI Final Report.)
83
Map showing the study area of the Gadag district
84
85
References
AKMI, Report on Independent Study of Microfinance released in 2010,
indiamicrofinance.com/akmi-report-kolar-microfinance.html
Child Development Programme Office, Gadag.
Child Development Programme Office, Ron, Gadag District.
CRISIL MFI Grading, http://www.skdrdpindia.org/downloads/SKDRDP_
CRISIL%20 Grading%20report%202014.pdf.
District profile- Gadag. Census of India District-code for Gadag: 561
Economic Survey of Karnataka 2013-14 www.isec.ac.in/karnataka-development.htm /
/Gadag District statistical office Report, pp 1-16.
Gadag District at a Glance-2012-13/
Gadag district profile, KVK, Hulkoti. /
/Microfinance Map of India "The Bharat Micro Finance Report - 2013" http://www.sa-
dhan.net/Sa-dhan-indian-map.htm //
Stree Shakti Programme in Karnataka, Women and Child Development Department
http://dwcdkar.gov.in/index.php?Option=com_content&view=article&id=266&I
temid=115&lang=en
Internet sources
https://en.wikipedia.org/wiki/Gadag_District
www.mapsofindia.com › Maps › Karnataka › Districts
gen-profile-state.pdf
gadag.nic.in