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Dr. Madhuri Pejaver, Convener Women's Science Congress presenting a memento

Women Empowerment- Objectives

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Economic

Social

Psychological

Political

Spiritual

Poverty Alleviation, Financial Inclusion, Self Employment &Entrepreneurship development

Sustainable livelihood, catalyze development

Self confidence and motivation

Role in governance and decision making

Self realization and equanimity in tough times

Why Women Empowerment?

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Women constitute 50.4% global population

48.27% of Indian population are women

This vital segment in rural, semi urban and urban areas canfuel growth in economies of the world

Women will empower families, reduce poverty leading tofinancial inclusion, better health and education of themselvesand their families

Women empowerment will add to the GDP

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Micro Finance-Evolving Model

India has no single micro finance model. It has to be adapted to thelocal context and needs.

Success stories indicate effective delivery of microfinance andsupport services to fisherwomen

Self Help Groups

Bank linkage program

Technology training backed by credit

Microcredit for women

Linkages- Banks, NGOs and Govt. departments

Insights for future

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NABARD’s national success story

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- 3,30,000 fishers spread over 222 costal villages.21000 SHG’s have freed people from money lenders

Women’s Initiative Network(WIN) project (1996)

348 SHGs involving 7000 women, revolved a thrift fund ofRs.15.3 m. 3 times making Rs. 42 million available forconsumption with 100% repayment.

- per capita fish consumption is 15.6 kgcompared to national average of 8 kg. Crab fattening & trading,value added minced fishery products & ornamental fishbreeding & rearing are small but successful business stories

1. Kerala

2. West Bengal

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3. Maharashtra

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Ranked 3 in marine fish production on 720 km coastline, 6inland fish production in India.

Innovative fish marketing by fisherwomen’s co-operatives havereduced their exploitation by intermediaries

Transport fish marketing by cooperative society near Ratnagirihas purchased 2 trucks & 2 buses with micro credit and hasevolved its own transport system. Loading, unloading, pick upsand drops to different markets is now organized.

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4. Tamil Nadu

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SHG - a tool to improve standard of living of women membersand the whole community

Fish Marketing- SHG, NGO and Bank model

20 members had Rs. 80,000, took loans of same amount forfish marketing, repayment is 100%.

Advantages: up-scaling fish trade, freedom from moneylenders, internal borrowings for lean trade season for incomegenerating activities like milk vending, rice trading & pettytrade.

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5. Andhra Pradesh

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Ranks 6 in Marine Fishing on 974 km

Srikakulam has 1000 fisherwomen’s groups, 14000 membersengaged in fish marketing, drying and salting. 500 groupslinked with bank finance with cumulative loan of about Rs. 8 m.They scale up in second loan cycle which they use for iceboxes, mini vans for fish transport and other facilities

A multiplier effect of these success stories can empowerwomen in many ways.

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SHG - Karnataka’s Stree Shakti

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Stree Shakti has been the states shining success story forempowering poor women and reviving rural economy.

Karnataka has 1,40,000 Stree Shakti Sanghs

They have saved Rs. 1,553 crore in banks

Nationalized banks have given Rs. 2, 563 crore as loan tothese women’s groups for agriculture, handicrafts,manufacture, dairy farming and local schemes.

Entrepreneurship has led to growth and empowerment ofwomen

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Women’s Co-operatives

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- Lijjat Papad established in1959 with a capital of Rs. 80 by four women on a terrace istoday over 6.50 billion with 290 m. in exports, 42000employees, 67 branches and 35 divisions in India.

established in1974 by Ela Bhatt as a trade union has 448,434 members issupported by World Bank and is linked with Women’s WorldBanking.

is a largest microfinanceregulated co-operative bank in Maharshtra with 1,85000 andalso a Business School

Shri Mahila Griha Udyog ltd.

Self Employed Women’s Association (SEWA)

Mann Deshi Mahila Sahakari Bank

Inclusion & Entrepreneuship

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Entrepreneurs create wealth and employment

Conducive eco-system can drive economic growth.

Women own or operate 25 to 33% of all private businesses in theworld. (World Bank)

India has 3,21000 registered and 2.69 million unregisteredwomen-owned MSMEs. Women owned enterprises contribute3.09% of industrial output and employ over 8 million peopleaccording to International Finance Corporation (IFC- 2014)

Women entrepreneurs need to multiply for national growth

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Women face barriers

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Women owned businesses are concentrated in small lowgrowth ventures. The total financial requirement of womenowned SMEs was Rs. 8.68 trillion and supply of finance wasRs. 2.31 million leaving a gap of Rs. 6.37 trillion. (IFC 2014)Microfinance is the need

Barriers

Lack of education

Limited access to markets

Technology networks

Patriarchal society

Lack of mobility and gender stereo-types

International organisations

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United Nations Organization- UNO

UNDP focuses on gender equality & women empowerment asa pathway to Millennium Development Goals & sustainabledevelopment

UN Women is the entity for gender equality and empowermentof women.

ILO has a gender equality and diversity branch, it also runs ahelpdesk for women

UN arms work for women empowerment in developing anddeveloped countries across the globe

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Integrated Model - Inclusion & Entrepreneurship

Finance

Marketing support

Science and technology

Linkages

Monitoring, Measuring & Improvement mechanisms

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Micro finance including savings, credit, insurance

Financial Inclusion

Opportunity identification, support for business development

Literacy, education

Digital and e commerce training

Self Help Groups, (SHG) s NGO’s , Government &institutional mechanisms

Mapping women- urban semi urban, rural, geographies,economic sections, demographic profiles and tracking

Policy framework for Women Empowerment

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Ministries of Science & Technology, Women and ChildDevelopment,

Banks - National and Private

NGOs, SHGs and Market Development agencies to drive thewomen empowerment policy framework that can be fine- tunedin a phased manner during execution

An integrated approach offering micro finance, marketing,technology and entrepreneurial support can be rolled out panIndia.

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Prime Ministers vision statement

Together we can be the change

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Science & technology for human development Digital village –Akodra - empowering villages

Mobile and internet penetration for ease of business. Mpesa,Kan Khajua Tesan

100,000 Swachh Bharat cleaning and waste managemententrepreneurs to be encouraged by Banks, women can takeadvantage

Jan Dhan Yojana for financial inclusion

Skill development and capacity building for employment andmicro enterprise building

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Both Goddess Saraswati and Lakshmi that are embodimentsof knowledge and wealth are women

Setting up mechanisms to empower women economically,socially, psychologically, politically and spiritually will empowersocieties and nations of the world

Micro finance is just one dimension of the integrated approachto inclusion and empowerment

Women need to play a pivotal role in the nation’s developmentagenda

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Dr. Vaijayanti Pandit - Some highlights of her professional journey

UNAssignments

Positions Held

Education

Author

Business@Home

Ford Foundation Project

Everyday Yoga

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1992 - Was commissioned by ILO Geneva for a project on “IntegratingWomen in Economic and Social Development”. This project was onempowering women through the Employers' Organizations andChambers ofCommerce from theEast,West, SouthandNorth of India.

1993 -Was invited by ILO for a fellowship toGeneva to set up a databaseofwomenentrepreneurs in India

1994 - Invited to present a paper at ILO's inter country meeting in ChiangMaiThailand onWomen, Population andDevelopment

1994 - 1997 - Was ILO's National co-ordinator for projects onMainstreamingwomen

1997 - 1998 -Authored a chapter on Employers' Perspectives onWomenWorkersRights in ILO'smanual onWomenWorkersRights

SeniorDirector, FICCIWest 2006 - 12

Secretary, Indian Merchants' Chamber, instrumental in establishing one ofthe largestWomen'sWing inaChamber ofCommerce1982 - 2006

Dr. Vaijayanti Pandit, Masters in Political Science, topped the University ofPune for graduation, has Ph.D in Entrepreneurship Management fromJamnalal Bajaj Institute ofManagement Studies. (JBIMS) 2001

published by Vikas Publication in 2002, profiles 45successfulwomenentrepreneurs.

on Professionalizing Police 2005, multi countryproject.

by Silver leaf an imprint of Himalaya Publishing House in2011, available onAmazon.com

Widely travelled to 35 countries for trade and business missions and buyersellermeets

Currently devoted to theEducation sector

Resource Person

Dr. Vaijayanti Pandit

Gender & Women Entrepreneurship Specialist

Sr. Vice President, Jaro Education, Advisor We School

email : drvpandit@jaro.in | vaijayanti.pandit@welingkar.org

Mob : +91 9821089539