Samadhan Kendra · For TransformationalChange: By the Community, With the Community,For the...

For Transformational Change: By the Community, With the Community, For the Community

ANNUAL REPORT – 2015-16

Samadhan KendraLodipur, Hajipur, Vaishali, BiharMobile: 91-9006317381,E-mail: [email protected] to us: www.samadhankendra.org

“We strive for timely availability ofMicro-Credit services to poor and

marginalized onFair terms and with dignity to help them

Enhance their livelihoods andTheir Social & Financial Inclusion”

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MILESTONESIn year 2003, a group of youth started their struggle against Poverty, flood and water logging in theRaghopur Block of Vaishali District, Bihar.In year 2004, "SAMADHAN KENDRA (SK)" got registered under the Indian Societies Registration Act as anon-profit, non-political, non-religious and a philanthropic organization.

In Year 2005, Samadhan Kendra moved a long way forward; from highlighting the plight of flood and waterlogging affected communities to the broader prospective and concern of restoring the livelihood of thoseimpacted adversely by floods and water logging, women empowerment, gender mainstreaming andensuring child EducationIn Year 2006, realizing the growing problems of the untouchable communities, Samadhan Kendraintervened strategically on the issue of poverty of most vulnerable untouchable communities in wholeVaishali Districts of Bihar focusing on Empowerment, Education, Health and Livelihood.In year 2007, Samadhan Kendra started with working on self Help Group with assistance of DRDA andNABARD and formed around 100 SHG in 5 blocks of Vaishali distinct in Bihar.In year 2008, Samadhan Kendra started working with support form Rashtriya Gramin Viskas Nidhi onlivelihood of the self Help Group formed in the areas.In year 2009, Samadhan Kendra Concentrated its focus on Women Empowerment and formation of Selfhelp group in the area and formed more than 350 SHGs with assistance form NABARD, DRDA, RGVN andcredit linkage of around 125 SHG with local banks were also completed with major support from IndianBank (Micro -set Branch).In year 2010, other development institutions i.e. BASIX join hand with Samadhan Kendra for strengtheningSHG movement in the area.In the year 2012, Samadhan Kendra was selected by lead Bank and NABARD as “ANCHOR NGO” forformation of WSHG in whole Vaishali district of BiharIn the year 2014, RASHTRIYA MAHILA KOSH (RMK) joined hand with SAMADHAN KENDRA in its effortsto fight for Social & Financial inclusion & women empowerment and sanctioned assistance under its MainLoan Schemer for 250 SHGs.In the same year, NABARD also sanctioned assistance under UPNRM based Dairy & Agriculture Activitiesto contribute in mainstreaming of holistic, participatory and financially sustainable traditional livelihood forthe poor in Raghopur Block.In year 2016, NABARD sanctioned another project to strengthen producer group under FPO project, OneFPO namely Surswati Agro Producer Company was registered. Another Producer Company namelyManokamana Agarbatti Producer Companywas also registered.

Professional Staff, SAMADHAN KENDRA values human dignity and visualizes Human Resources as itsprime asset. In this context, the organization has invested in building the capacity of staff and their welfare.It has gathered a team of committed professionals to lead to the vision and goal of the organization.Well-established monitoring mechanisms are maintained by SAMADHAN KENDRA as it believes inprinciples of transparency, accountability and participatory approach in planning and implementation of itsprograms for the underprivileged.

From the Secretary Desk………

Dear friends;

I have great pleasure in presenting the annual report of the Samadhan Kendra (SK)for the year 2015-16. SK continued its journey to contribute towards strengtheningcommunity institutions, community led- Micro- Credit and livelihoods. I am glad toshare with you that SK's work received due acknowledgement and appreciationduring the course of the years, in the field of Women Self Help Groups, Producer

Group, agriculture and livestock based livelihoods, in providing support to the poor in Mitigating Povertyin the backward district of Vaishali in Bihar.

The year witnessed remarkable achievement in mobilization of funds for WSHGs supported underWSHG Bank Linkage, especially CC Limit from banks in all the 16 blocks of Vaishali districts. Theexperience of local Community engaged throughout the operational area has been quite encouraging.Furthermore, Various Trainings & Experience Sharing meetings were organized in selected villages, inorder to help the community to exchange their experiences and introduce new ideas, and practices.

SK has continued to work for development and knowledge enhancement for the Poor. In this regard,community friendly materials such as Banner, Chart, flex, were developed and introduced. SK alsocontinued its efforts to engage with community based organisations (CBOs), banks and governmentagencies so as to better design strategies and foster cross - learning among them.

I extend my heartfelt gratitude to our donors, NABARD, banks and RGVN for their fulsome supportduring the year 2015-16. I would like to make a special mention of the financial and technical supportfrom NABARD, without which none of the above mentioned achievements would have been possible.

I look forward to an even more fruitful and productive year 2016-17 and deeper collaboration with allFinancial, Technical and Developmental Institutions

Subhash Kumar

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ORGANISATION PROFILE:

Name & address of the organization SAMADHAN KENDRALodipur, Hajipur, Vaishali, BiharPIN: 844101Mobile: +91-9006317381Email:[email protected]

Legal Status The organization register under SocietyRegistration Act 1860 (Registration No.1081/2004-05 dated: 19/10/2004)Regd. u/s 12A & 80G of Income Tax Act, 1961Regd. under FCRA, 1976.Registration No. 031040046 Dated 21/02/14and PAN No. AAGTS9314M

Branch office(s) address : 1 Jandaha:Near Jandaha Post office,Jandaha, Vaishali, Bihar

2 Raghopur:Rustampur, Raghopur, Vaishali, Bihar

Area of Operation : All over India (Presently operating in all 16blocks of Vaishali District of Bihar)

Name of Bank’s : 1) State Bank of India2) Indian Bank3) Bank of India4) Allahabad Bank5) Central Bank of India6) Bank of Baroda7) Union Bank of India

Our Auditor : Rajiv Jha and Associates, Chartered Accountant,Dakbunglow Road, Patna

Name of Chief Functionary : Shri Subhash Kumar, Secretary

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GOVERNING BOARD MEMBERS

The Board/Executive Committee members are the apex decision makers and the day to day affairsof the organization is taken care by the Secretary of the organization. The chief- functionary of theorganization is assisted by the administrative staff and field staff.

SAMADHAN KENDRA has a Dynamic & Experience Governing Board. The President, Secretary andthe Treasurer are office bearers of the organization. The Governing board consists of 7 memberswho are passionate Social workers with 4 female and 3 male members who have vast grass rootexperience in rural development sector. They have the necessary expertise and knowledge inworking with government agencies, financial institutions & Donors.

According to the provisions made in the bye laws of the organization, the Governing Boardmember meets quarterly in a year. The members discuss the different aspects of development ofthe projects and other policy matters in these meetings and the reports are disseminated amongthe members. The members decide next course of future action and the governing body givesdirection, on the basis of same necessary action are taken place in the greater interest for thetarget group. As per need of the situation midterm meetings are also called upon to take majordecisions.

Name Designation AddressEducational

QualificationsSmt. Geeta Devi President Chaoti Marai, Hazipur, Vaishali, Bihar Intermediate

Shri Subhash Kumar Secretary Rushtampur, Raghopur, Vaishali, Bihar Graduate

Shri Sanjaya Mohanty Treasurer Tyandakura, Kendrapara, Odisha Graduate

Smt Meena Devi Member Cheukiya, Hazipur, Vaishali, Bihar Non MetricShri Mithilesh Kumar Member Chuhata Chouck, Hazipur, Vaishali, Bihar BA

Smt. Rina Kumari Member Mahanar, Nayaganj, Vaishali, Bihar Intermediate

Smt. Manju Devi Member Minapur, Hazipur, Vaishali Intermediate

Vision:SK’s vision is ‘to have an empowered and confident weaker section of thecommunity working in tandem with the mainstream of the Society with knowledge,dignity and self-respect to make all round progress and extricate themselves and theirfuture generation from the quagmire of poverty and exploitation’

Mission:SK’s Mission is to help towards establishment of a Society where the poor as well as

other deprived sections of the Society are valued and provided with enough

opportunities to grow and prosper and to initiate and sustain values of an

egalitarian social existence

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Core Value:1. Efficiency in serving clients2. Transparency in system3. Accountability4. Clients Rights to dignity, confidentiality and self respect5. Sense of ownership6. Fairness’s

Objectives:The long-term strategy of Samadhan Kendra focuses on creating the social, institutional,

and livelihood base for a democratic and participatory approach to development that

benefits and empowers the poorest sections of society. This is achieved through the

following overlapping strategic objectives:

To create and strengthen institutions for development (at the village, organizationand society levels).

To enhance people’s capabilities for self-development (both at the individual andcommunity level).

To create sustainable improvements in the livelihoods base.

Organization Structure:

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SK’s OUTREACH

Sl Name of Block Groupformed

Credit LinkageGroups

Sl. Name of Block Groupformed


1 Bhagwanpur 75 16 9 Mahnar 76 182 Bidupur 60 8 10 Mahua 103 753 Chehrakala 9 0 11 Patepur 37 234 Desri 79 22 12 Pateribelsor 20 55 Goraul 50 23 13 Raghopur 400 3406 Hajipur 531 272 14 Rajapakar 35 17 Jandaha 475 86 15 Sahdeibuzurg 20 18 Lalganj 55 8 16 Vaishali 20 20

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EXPERIENCES,ACHIEVEMENTS AND

LEARNING2015-16


LEARNING2015-16


LEARNING2015-16

STRENGTHENING COMMUNITY INSTITUTIONS

SK continued its efforts towards strengthening community led Micro credit and rurallivelihood program to Impact on lives and income of poor households through women SelfHelp Groups (WSHGs) of women. The period witnessed intensive engagement in fieldaction especially for strengthening rural livelihoods through Micro-Credit, agricultureintervention and livestock based livelihoods.OUTREACH:As on March 31, 2016 SK has a reach of 22500 households covered through 2225 SHG/WSHGs spread over 1205 villages in all 16 blocks of Vaishali districts in Bihar. Overalloutreach of the program increased to 140 villages compare to 1065 villages by March 2015.

Sl. No. Parameters As onMarch2015

As onMarch2016

Net progress(April,

15- March’16)1 Total No. of Villages 1165 1205 1402 Total No. of SHGs 2042 2225 1833 Total No. of families 20050 22500 24504 Aggregate growth of savings (Rs in Crores) 5.00 6.75 1.755 Special savings (Rs. Lakhs) 0.00 0.00 0.006 Total No. of SHGs A/C opened 1245 1540 2957 Cumulative Credit Accessed from bank(Rs.)Crores) 7.00 9.06 2.06STREAMLINING SHG DATA THROUGH MICRO –FIN: A web basedSHG MIS: A day l o n g workshop was organized for the Data Entry Operators (DEO) toensure the master data entry and answer queries related to transaction data entry. Theworkshop facilitated in dealing the problem of data consistency in the respective account.Regular technical and handholding support was provided to the Field Staff for enteringmaster data and transaction data of SHGs in the MICRO-FIN Web based MIS. In thisfinancial year master data entry for WSHG has been completed and test run for output is inprogress.

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As onMarch2016

Net progress(April,


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As onMarch2016

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STRENGTHENING COMMUNITY INSTITUTIONS:

To enhance the quality of the WSHGs various workshops for the staffs and team leaderswere organized form time to time to debate and discuss the various quality parameters forWSHG grading and the inputs required to improve the quality of the WSHGs. As a result ofwhich grading exercise has been instrumental for the WSHGs to reflect on their functioning,strength areas, increasing sense of ownership and making members more responsible.SAKH SE VIKAS

SK focus was to increase the savings at WSHG/SHG level to generate reasonable pool withinWSHG/ SHGs to meet the credit needs of theirmembers. As a result the average savings permember per month has increased from Rs. 100(last year) to Rs. 200. Total SHG fund has grownfrom Rs.500.00 Lakh to Rs. 675.00 lakh (duringthe year Rs. 175 Lakh) which include savings, interest and fee etc.CHALLENGES FACED

Enhancing credit to WSHG: It’s been a big challenge due to apathy nature of banks andrural banks are not showing interest to support matured WSHG’s to various reasons. Weare continuously perusing this matter with bank authorities and NABARD at variousplatforms. After putting pressure, it has picked momentum in the area and now lending hasreached up to 41% in select blocks in vaishali district.Micro Insurance Product – micro insurance facing issues of procedural delays in claimssettlements, availability of qualitative human resource, availability of small healthinsurance product and livestock insurance is still hard to find in rural area.

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Aabla –se -Sabala

Smt. ASHA DEVI W/o of Jai Prakash Singh a member of Schedule Cast Family lives with her husband & Familyin Bakri Barai. She says that, Year 2014, was a turning point for us, when I got in touch with a member ofWSHG in the area. She informed me that, there is an organization (Samadhi Kendra) working for the socialand financial inclusion for the poor women and gave me the address and contact number of SAMADHANKENDRA. Slowly I learned about concept of WSHG and its dynamics, with the continuous Hand HoldingSupport and counseling by the field staff of Samadhan Kendra boost my morale/ confidence and gave mestrength to form WSHG with other likeminded women. I started sharing this concept of WSHG with otherpoor families in my neighborhood and in August, 2014 we formed a WSHG named ASHA MAHILA SAMOOHwith the active cooperation of other women members & Samadhan Kendra and started regular Meeting &Saving. Initially, we started with the contribution of Rs. 100/- per month per member and developed the habitof co-operating with each other and started giving internal loans to the needy members of the WSHG andcharged interest @2% on such loans. We increased the saving from 100/- to 1000/- P.M as the saving was notsufficient for internal loan demand. As on date our group has a corpus to the tune of Rs. 2,91,080/- (SavingRs.2,25,000/- & Interest Rs.39,080).

In each meeting collection from saving were distributed to needy members as loan. Initially we stared withgoat rearing and now all the members are engaged in Goatry, dairy and Agricultural activities. Each of usavailed Rs.30,000/- to 40,000/- through internal loan through rotation. We decided that our group will notavail any bank loan from any Bank, as our saving is increasing day by day and sufficient to meet any internaldemand from the group members.

She Says “WSHG has given us light. The SAMADHAN KENDRA gave us a vision and the members are like myfamily and the WSHG is my home.” NOW this WSHG is exploring other viable opportunities to invest theirsaving for better returns.

Streamlining SHG data in web based MIS: Regular data entry in the web based MISdeveloped by QMARKS remains a challenge for us especially due to technical issues inupdating relevant data in initial stage of the year and later part limited efforts fromagencies for data flow and regular entries. After continuous efforts, we had successfullydemonstrated the strong MIS software in our operational area.SHG-bank linkage: Several issues from the supply and demand side such as quality ofWSHGs, human resources, banking staff and their outreach, lack of infrastructure havebeen hampering the bank linkage process.

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THEMATIC THRUST;

Samadhan Kendra (SK) has focused on the following thematic areas in advancingdevelopment agenda through: Micro Credit Interventions: SHG Bank Linkage program Entrepreneurship Development Skill enhancement Livelihoods Producer groups Basic Health & Education Organic Farming & Vermin Compost. SanitationORGANIC VEGETABLE CULTIVATION:

S A M A D H A N K E N D R A worked f u r t h e r t o strengthen organic vegetablecultivation in Raghopur Block for the benefit of poor farmers. More than 100 womenfarmers have been trained in organic cultivation through Vegetables in kitchen garden orbackyard of their house. High –yield vegetable seed depending on the cropping seasonwere provided to some of the women farmers in the project area.UPNRM LIVE STOCK BASED ACTIVITIESA proposal was submitted under NRMbased Integrated Dairy DevelopmentProject at Vaishali Dist. Of Bihar toNABARD under UPNRM by SamadhanKendra was sanctioned in the year2013 for Rs. 31.76 lakhs with a grantsupport of Rs. 3.36 Lakhs. SamadhanKendra availed Rs.30.70 Lakhs as on

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The rural livelihood of people in vaishali, especially in the Raghopur Block hasbeen severely impacted by recurrent flood in the area, as this is a “Diyar” area. Inresponse to this, growing need for supporting large number of traditionallivelihoods interventions, especially for the rural poor, Samadhan Kendra hastaken up variety of interventions over the last decade though its Micro Creditand Bank Linkage program for this area poor.

The poorest-of-the-poor get their income from diverse sources and are involved in more than oneactivity to meet their consumption needs. They are also dependent on financial services that arebeing offered and cases of indebtedness have increased among the poorest of the poor.

In the year 2014, Shamadhan Kendra with Active support from NABARD initiated NRM BasedDairy activities for the 50 poor families. The underlying objective of the project was to bringabout lifestyle improvements and enhance the standard of living through Dairy & NRM-basedfinancial-cum technical support. The project aims at helping poor by promoting the use of biogas.Cow dung collected from adapted cattle’s by the beneficiaries, mix it with water and channel itinto fermentation pits. The resulting gas is fed directly to the household to provide energy forcooking. Use of biogas is environmental friendly as it curbs the decomposition of open cow dungproducing methane, a gas that significantly contributes to global warming. The project, livelihoodenhancement activities through mini dairy and organic Vegetable cultivation along with uses ofvermin compost for agriculture.

Shri. Chandeswar Rai, (beneficiary) is a classic example of true integration of related activitiesand effective convergence of various Activities. He is actively working with dairy animals andorganic vegetable cultivation. A substantial saving on money is expected when a farmer switchesfrom the use of chemical fertilizer to slurry. Additionally, this also has environmental benefits andenhances soil health. Today, Rai’s dairy and organic farming, becoming the mainstays of theirhouse hold economy and he is advocating and motivating others poor farmers to take up theseNRM based livelihood activities for better return and environment protection through soilconservation.

31.03.2016 and disbursed around Rs. 35.00 Lakhs including recovery. NABARD issuedspecific guidelines for the project and accordingly the loan was disbursed to individuals.The project has been implemented successfully at grass root level and recovery andrepayment are on time. More members from poor community are approaching us forassistance. This is a new project to us and hopes to get a good success in the coming year.We are also approaching NABARD for further assistance under organic vegetablecultivation and integrated dairy proposal within the ambit of UPNRM for further up scalingin our operational areas.

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We can do no great things, only small things with unity and dedication.

Mrs. Sheela Devi a member of (SC) Community, living with her husband in Jandaha rural area of Vaishalidistrict in Bihar. Her Husband’s is an agricultural wages, As the income of her husband was seasonal, thefamily lived in extreme poverty. When SAMADHAN KENDRA started promoting WSHG, Mrs. Sheela Devienthusiastically attached in the activities & involved her in SHG formation in the area and that was theturning point.

With the active participation of Mrs. Sheela Devi, JAI MATADEE MAHILA MANDAL, Jandaha (SCWomen Group) was formed along with 11 other SC community members of the area. Though the members ofSHG had initial difficulties in paying her monthly saving and repaying the loan availed from group internalfund, SHG did not lose their hope and continued to participate in SHG activities sincerely. SHG groupleaders also keenly participated in training & awareness program conducted by SAMADHAN KENDRA inthe area time to time. Letter on, this SHG was linked with Rashtriya Mahila Kosh (Main loan) programmeand provided supported of Rs.50,000/- for group activities initially. The group started Vegetable farming in apiece of land taken on lease. Apart from this they also engaged in part time Vending Work. SHG was able torun their group activity successfully and paid their loan on time. Due to their hard work, each member ofSHG was able to earned Rs.2, 500-3,000 monthly.

In next year, Group availedy 2nd loan from Samadhan Kendra for Organic Vegetable Farming. SHG was veryoptimistic about their new activity, which can assure them a higher income compared to previous inorganicVegetable cultivation, their hard works and commitment towards group activities rewarded them suitably.

The idle lady is now an active earning member of her family. It has become possible only after formation ofJAI MATADEE MAHILA MANDAL and availing micro credit support from RMK. SHG expressed theirsincere thanks to SAMADHAN KENDRA & Rashtriya Mahila Kosh for giving them an opportunity to comeup in their life and educate and maintain their children well.

MICRO CREDIT & ENTERPENURSHIP DEVELOPMENTPoor people face trade-offs between different dimensions of poverty, however womenencounter many more because of gender inequalities in distribution of income, access tocredit, control over property or earned income. Women continue to face discrimination inthe area of health, nutrition, access to education, employment and political participation.With the support form RMK (Rashtriya Mahila kosh), we are trying to bridge these gaps. Toaddresses the needs of the most marginalized and deprived communities who are sociallyand geographically excluded from the mainstream development interventions in ouroperational areas. It reaches its target group with a coordinated version of, micro-credit,skill development and overall social development. Under this support we reached around100 SHG Members in three most backward blocks i.e. Hajipur, Raghopur and Jandaha invaishali district of Bihar.

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CAMPS & MEDPSVaishali district is famous for its traditional fruits i.e. Banana, Litchi, Mango, Anola (amla),Bel , spices like turmeric, chilly, garlicand onion etc Vegetables like Tomato,Parwal, Potato, Brinjal & Cucumberetc. and cereal like pulses, Maize, &wheat . So, Micro enterprises buildingof poor women in these areas underfood processing will help them tofurther augment their income throughlocal available products in sustainablemanner.In the year 2015-16, Five days long practical training on Micro EntrepreneurshipDevelopment (MEDP) on Food Processing (i.e. Jam, Jelly, Pickle, Sauce, Soup & Chatney,Papad, Bari making) for 160 WSHG’s member in five batches in Jandaha Block wereorganized with Assistance from NABARD. The training programme was very instrumentalin terms of impact and motivation at community level. The trainers and other staffs alsogave their best in the programme. All the self help groups which were chosen, were thosewho had been credit linked with various commercial banks. Micro enterprises building ofpoor women in these areas under food processing will help them to augment their incomethrough local available products in sustainable manner.FINANCIAL LETERACY CAMPS (WSHG)With the active support from FLCC of Vaishali, financial Literacy Camps-cum- BankingServices Programme was organised by Samadhan Kenddra in the year 2015-16. Thevillages, which falls under Vaisahli District & Supported under FIF and managed byNABARD, various camps were organized to facilitate and educate the rural poor Women &farmers on the concept of banking activities and facilities available with the Bank. FLCCoordinator, who chaired the programme, presented the overall perspective under

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Financial Inclusion. He also shared various scheme available in NABARD, Govt. of India &and appealed the poor public to avail theopportunities and utilize these schemefor their economic development. Hefurther stressed on the benefit of openingPMJDY accounts, accident insurance, lifeinsurance and pension scheme whichwas launched by the PM of India recentlyand is available in all the bank branches.We also stressed the need to inculcate small saving habit method in banks urged thevillager to form Joint Liability Groups and Women Self Help Groups and approach the bankfor loans and other facilities. We also appeals to the mass to cooperate with the bank inorder to serve them better through these Camps.CLEANLINESS DRIVETo mark the 1st anniversary ‘Swachh Bharat Abhiyan’ Samashan Kendra organized ralliesat Hajipurs, Raghopur & Jandaha blocks. About 50 people (Men & Women) from each areasparticipated in these rallies. During the rally,people were holding banners and placardsdepicting various themes related to neat andclean environment. Speaking on the occasion,secretary and staffs of the organization stressed& urged the local communities to develop andprioritizing the habit of cleaning their houses,schools and the surroundings. Letter onparticipants swept the area and picked up the garbage & rappers along the road and itsperiphery. These drives were to mark the birth anniversary of Gandhi jee as well as LalBahadur Shastri. The masses gathered paid homage to these two great sons of soil andcarried the cleanliness of the area enthusiastically.

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RENUABLE ENEARGY

Bihar has adopted a blend of thermal and hydel Energy sources. Even though Bihar has avery lowest annual per capita consumption of electricity, considering the limitedgeneration in the State, there is an acute shortage of power not only for peak demand, buteven the base demand in the state. The situations in rural & remote areas are dismal.Promoting Renewable & Clean energy and its appropriate use in the rural & remote areaswill be going to be a major challenge. There is an urgent need to work & promoteRenewable energy to overcome energy crisis.Samadhan Kendra, with the help & assistance from TERI & RGVN distributing SolarLanterns and smoke less Chulahas to WSHG’s member and other needy poor in the districtof Vaishali. Keeping in mind the pressing issues of water and energy scarcity, our effortstowards environmental sustainability continued this year, with a focus on solar Energy, bysupporting solar lanterns & Chullahas to needy poor at subsidized rate across vaishali, weare helping and awaking the local mass about the importance of renewable energy.VERMIN COMPOST:In the year 2015-16, Samadhan Kendra has created several vermin compost pits topromote organic composting across its working areas. During the period several meetingswith local famers of the areas were organized at block level. We now want to encourageindividuals to start vermin composting activities in their backyards.No one should let organic garbage go to waste, because with little skill, we can create suchrich compost from it. We are ready to help anyone in our operational areas with knowledge& Skills to expand our composting drive. Our initiatives have started to bear fruits andpoor farmers of the area are coming forward to take the ownership and start organicagriculture in their field.

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RENUABLE ENEARGY


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RENUABLE ENEARGY


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A successful woman entrepreneur

Sangeeta Devi, a house wife and mother of two comes from a poor farming familyof Tesasiya Village under Raghopur Block of Vaishali District in Bihar. She has asmall piece of land for farming. The production of grains from that small landarea was not enough to feed the family. Her husband work for other landlordafter finishing their limited farm works. Sangeeta has some time spared after herhousehold chores. She desperately wanted to do some other household basedincome earning activities in the time left after finishing up her household chores.

In the year 2013, I got some loans from my Group (Khushboo Mahila Mandal) as well as From SamadhanKendra and I began to roll agarbatti after my MEDP training from Samadhan Kendra. Occasionally,secretary & Staffs of Samadhan Kendra help me in marketing and also shared their initiative taken fordevelopment of Agarbatti Producer Company in the area as “Manokamana” to attract good price,ownership and market for our product. Now together with my family, I can earn about Rs.10,000/- permonth. Few women employees are also working under my supervision. My children are now studyingschool. I feel proud in sharing such local entrepreneurial activities and hand holding support given bySamadhan Kendra; this has changed my life and status in my family. Providing infrastructural facilitieslike small loan and business information, Samadhan Kendra has been enabling poor families to grow theirbusiness of traditional business and helping them for their social and financial inclusion.

PROMOTION OF PRODUCER GROUPWith the objective of making Activity based group a professional, sustainable and profit-oriented community based entity, Samadhan kendra has undertaken an initiatives forsupporting these activity based group to meet their needs and better price in the local aswell as district market for their products. In the year 2015-16 two producer companiesnamely Manokamana Agarbatti Producer Company and Sursati Agro producer

Company have been registered under companies Act 2013. The other producer group(Sursati) is funded by NABARD for promotion of wheat & gram producer group of around100 famers in Mahua block of vaishali district in Bhar.

The Specific objective behind forming these producer companies is to provide necessarycredit support, capacity building & market linkage to meet end to end requirements ofProducers group as well as to ensure their sustainability & economic viability.

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Samadhan Kendra has efficiently utilized the institutional platform of WSHGs and theirMembers to promote diverse livelihoods for the member households. Over the years, thenumbers of poor house hold in the operational areas are actively involved in farm based &Nonfarm based livelihoods activities promoted by Samadhan Kendra. In coming years,Specific activity based producers group will be promoted & developed in Arts and craft,Bee-keeping, Agarbatti rolling, Goat Rearing, Poultry and various Agro products includingcompost and Dairy Units.IMPOTANT DAY CELIBRATION

ANNUAL DAY

Annual day is certainly one of the most eagerly awaited events of the year in anyorganization. It is an occasion to celebrate the achievement of the organization. SamadhanKendra organized a grand 12th Annual day event on 16th of April, 2015 at their traininghall located at LodipurHazipur. Every member of theorganization including theWSHG’s members and staffmembers contributed tocelebrate the occasion. Apartfrom this, managers form localbanks, Hajipur Rud-Setcoordinator and Asst. Director of RGVN were present on the occasion. Around 200 WSHG’sleaders were also present to make the program a grand success. The guests were given atraditional welcome by the WSHG’s member through a Welcome song.The function started with the lighting of the lamp by the guests and welcome speech by thesecretary of the organization. Speakers appreciated Samadhan Kendra for creating anenvironment of financial inclusion for the poor in this back ward district of vaishali and

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creating an opportunity were access to income generation opportunities and the ability toprovide timely services to the poor communities. Letter on quiz competition was organizedfor WSHG Members. Awards especially for the WSHG’s and Staffs, who out performed anexcelled in every field were given by the guest. The function ended with a vote of thanks bythe president of the organization. Overall the function was a huge success and was widelycovered by the local media.WOMEN DAY

On the day of Women’s Day (March 08, 2016), all the staffs of Samadhan Kendra with acommitment of“Guaranteeing respect forthe women and theirhuman, fundamental andsocial right” participated inthe workshop organized inHazipur. During theworkshop the members ofWSHG shared their successstories and theiraspirations to befinancially & sociallyindependent, which they have been able to achieve through the regular handholding &credit support from Samadhan Kendra. The work shop also gave a platform to carryforward the values with which they can engage and bring changes in the lives of lessprivileged members of the society. Participants were encouraged to share their ideas andthoughts to promote women empowerment and gender equality and bring a change in oursociety.

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FUTURE EXPANSION PLAN:

Having completed twelve years of operations, the performance of the organization is wellunderstood by People. The focus of the organization in the coming years will be to spreadits reach to Remote & Most Backward areas and also devising and implementing attractivedevelopment products. To achieve this target, the organization is planning to set upbranches at remote and potential areas, as there is a vast scope for expansion forinstitution building and micro credit program. The organization is confident of abreakthrough with the support of reputed donor agencies and Apex Financial Institutionslike NABRD. Our commitment to serve the poor is always in mind and action, and we aresure that with the cooperation of one and all and with the guidance of NABARD &Governing Board Members , we are confident of fulfilling not only our desire to serve thepoor but also see a change in their way of life.

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Samadhan KendraLodipur, Hajipur, Vaishali, Bihar

Mobile: 91-9006317381,E-mail: [email protected] to us: www.samadhankendra.org





Samadhan Kendra · For TransformationalChange: By the Community, With the Community,For the...

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