STATES COVERED BY BAIF PROGRAMME · affecting socio-economic harmony • identifying voluntary...
Transcript of STATES COVERED BY BAIF PROGRAMME · affecting socio-economic harmony • identifying voluntary...
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STATES COVERED BY BAIF PROGRAMME
Spread of the program
• Families covered 2.5 million
• Villages 45000
• States covered 12
• Extension centers 1600
Existing Proposed
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FEATURES OF THE AREA COVERED
• AGRICULTURE AS SOURCE OF LIVING
• SMALL LAND HOLDING PER FAMILY
• RAIN FED AGRICULTURE SYSTEMS
• MIGRATION FOR LIVELIHOOD
• AVERAGE FAMILY SIZE - 5
• LITERACY RATE 60% LESS IN WOMEN
• CONSTRAINTS IN ACCESS TO CREDIT
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•States – 5
•Clusters – 11
•Families – 45651
CLUSTERS COVERED UNDER EUROPEAN UNION PROJECT
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OBSERVED CATEGORIES OF LOW
INCOME LEVEL GROUPS
Group Yearly income % households
level (Rs)
W1 <3000 47
W2 3000-6000 34
W3 6000- 9000 14
W4 9000-11200 5
Poverty line Rs. 11200
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APPROACH TO MICRO CREDIT
• Initiation by integration to social
development approach
• Started as component of women
empowerment
• Started through women self help Group
• Targeted at fulfilling family needs
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CHARACTERS OF SHG
• FORMATION OF VOLUNTARY GROUPS
• INITIAL MEETINGS WITH PRAYERS FOR SOCIO CULTURAL INTEGRATION
• UNIFORM PERIODICAL INDIVIDUAL MEMBER SAVINGS PROMOTED
• SAVINGS USED AS LOANS FOR THE MEMBERS OF THE GROUP
• CHARGE INTEREST ON LOAN
• FOLLOW 16 POINT SCALE FOR BANK LINKING
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PRESENT STATUS OF SHGs
Rs. 212.40
Million
Accessedl Credit5
Rs. 99.6
millions
Total Savings4
1410Groups linked to Bank3
7897Total No. of SHGs2
2747Total No. of Villages 1
Details Particulars No.
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ON FARM ACTIVITIES
Cashew with wheat Grafted tamarind
Indian gooseberry Budded Ber (4th year)
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LIVESTOCK AS ACTIVITY
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OFF-FARM ACTIVITIES
Production of Housing Materials Flour Mill
Consumer StoresRope Making
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EDUCATION
HEALTH
MARRIAGE
OTHERS
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ACTIVITIES FOR WHICH MICRO-
FINANCE SOUGHT
• LIVESTOCK
(CATTLE,BUFFALOES,GOATS) 31%
• ON FARM 34%
• NON FARM ACTIVITIES 31%
(LIKE GROCERY SHOP,
CLOTHES STITCHING, ETC)
• OTHER FAMILY NEEDS 4%
(SCHOOLING, MARRIAGE ETC)
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7%
3%
33%27%
20%
10%
Supplementary to agriculture
Supplementary to day labor
Milk for kids and sell surplus
Add to existing milk business
Consumption only
Supplementary to other
business
REASONS FOR SELECTING TO BUY COW
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LESSONS LEARNT
• Poor can also save• Poor can pay interest at market rates• Credit can be for any need• Credit amount based on payment capacity and track record• 100% recovery essential• Full transaction costs must be met
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Share o f the M icro F inance pie in
India
Enablers
59%
Delivery
41%
SHARE OF DIFFERENT PLAYERS
Share of M icro finance pie in BAIF
Enabler
82%
Delivery
18%
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POTENTIAL AND CURRENT
ACHIEVEMENT
St at us o f micro f inance out reach in Ind ia
Unt apped
Pot ent ial
85%
Current
15%
Status o f M icro f inance o utreach in BA IF
Untapped
Pot ent ial
93%
Current
7%
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ISSUES NEEDING ATTENTION
• ASSESSING FELT NEEDS OF THE SOCIETY
• IDENTIFYING ECONOMIC ACTIVITY AND CORRESPONDING SOCIAL GROUPS
• IDENTIFYING REGIONAL FACTORS AFFECTING SOCIO-ECONOMIC HARMONY
• IDENTIFYING VOLUNTARY GROUPS FACING ECONOMIC POVERTY
• SEARCHING MODELS FOR CAPACITY BULDING AT ALL LEVELS
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ISSUES NEEDING ATTENTION
• ARRIVING AT OPRATIONAL STANDARDS
FOR WORKING OF VOLUNTARY GROUPS
SEEKING MICROFINANCE
• DEVELOPING INFORMATION SYSTEMS
FOR TRACKING LENDING ACTIVITY
• IDENTIFYING DIVERSIFICATION AREAS
FOR MICROFINANCE
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ISSUES- OPERATIONAL
• CREDILBILITY OF THE GROUP MEMBER
• LIMITED FINANCIAL RESOURCES
• NO PROVISION FOR COLLATERAL SECURITY
• LACK OF INSURANCE SERVICES FOR ASSETS AND/OR MEMBER
• FAILURE OF PROPER ACCOUNTING AND REVIEW OF STATEMENTS
• EFFICIENCY OF EXTENSION STAFF
• CASH HANDLING BY STAFF
• DISTANCE FROM OFFICE
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FEW SUGGESTIONS
• SCOPE SHOULD BE SEEN IN THE LIGHT OF GEO-CULTURAL PERSPECTIVES
• SUCCESS IN NEED PRIORITIZATION WILL DETERMINE SUCCESS RATE.
• IN LOW INCOME AND ILLITERATE/LOW LITERATE SOCIETY, FINANCIAL RESPONSIBILITY OWNED BY GROUP SEEMS TO BE MORE REWARDING THAN INDIVIDUAL LENDING.
• HOLISTIC UNDERSTANDING OF LENDING ENVIRONMENT NECESSARY BEFORE FINALIZATION OF STRATEGY
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FEW SUGGESTIONS
• STRATEGISE AFTER UNDERSTAND SOCIOCULTURAL VARIATIONS
• CONCENTRATE ON LIVELIHOOD ACTIVITIES IN AGRICULTURE
• FORMULATE VOLUNTARY SOCIAL GROUPS FACNG ECONOMIC POVERTY
• TRAINING AND EQUIPPING THE GROUPS FOR MICROFINANCE
• ENSURE EFFECTIVE ACTIVITY DELIVERY THROUGH TECHNICAL SUPPORT
• ESTABLISH INFORMATICS FOR REVIEW AND MONITORING
• ENSURE GROUP RESPONSIBILITY FOR LOAN REPAYMENT
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Thank You!