Kudumbashree State Poverty Eradication Mission
Kerala
Understanding Kudumbashree
CDS
ADS
NHG
Neighborhood Groups •10 to 20 women; one from each family •5 office bearers •Weekly thrift, min decided by NHG •Can undertake economic activities
Area Development Society •Office bearers on NHGs in a ward •7 office bearers
oPresident oSecretary o5 sector volunteer
Community Development Society •Office bearers on ADSs in a local body* •7 office bearers •Interfaces with local govt.
Sizing Kudumbashree
CDS
ADS
NHG
Neighborhood Groups •250,000+ NHGs •39 lakh (3.9 million) members •2013
oSpecial thrust to increase coverage oSpecial-need NHGs
Area Development Society •19,000+ ADS
Community Development Society •1043 local bodies
o65 Urban o978 Rural
•1072 CDS
Supporting Structures
CDS
ADS
NHG
State Mission •Executive Vice Chairman (IAS) •Executive Director (IAS) •Director (A&F) •Admin, Finance and supporting Officers •Program Officers •Subject Matter Consultants
LSGD
District Missions •District Mission Coordinator •Assistant DMC •Subject Matter Consultants
Community Resource Persons •Micro Enterprise Consultants •Trainers •Auditors •Sector-wise Resource Persons
Chairman - Minister, LSG Vice Chairman – Principal Secretary, LSG Governing Body Executive Committee
Empowering . . . Economic
Empowerment
Micro Finance Livelihood
intervention
Social Empowerment
Asraya Balasabha BUDS School Tribal special
project
Women Empowerment
Gender Self Learning Programme
Nirbhaya
NRLM Urban Poverty Alleviation
MKSP
Centrally Sponsored Schemes
Service Area Group Name Details Auditing KAASS Kudumbashree Auditing &
Accounting Services Society Training – General EKSAAT,
AWAKE Education Knowledge Skill Aptitude and Training
Training – Micro Enterprises
MEC Micro Enterprise Consultants
Training – Food Service
AIFRHM Adebha Institute for Food Research and Hospitality Management
Management MIS From State Mission
Enabling Structures
KUDUMBASHREE PROGRAMS
Micro Finance • NHG act as thrift & credit societies • Facilitate savings at door-step • Group (NHG) decides on the minimum weekly • Internal Loan Limit : 80% • Bank Grading after 6 months • Linked Loans • Kudumbashree Support
♣ Matching Grant ♣ Interest Subsidy Scheme ♣ Auditing through Kudumbashree Audit and Accounts Service Society (KAASS) ♣ Digitalized Monitoring and Repayment Information System ♣ Community Monitoring - MF Subcommittee, Internal Auditing ♣ Financial Literacy Campaigns ♣ CDS Accountants ♣ Banking Resource Persons (Rtd. Bank officials) ♣ Bank Mithra - Counter clerk at Bank Branch
Back
. . . Micro Finance As of 1-May-2013 Total Thrift : Rs 1,707 Cr Rs 17,076 mil Internal Loans : Rs 7,130 Cr Rs 71,298 mil Linkage Loans : Rs 1,575 Cr Rs 15,754 mil
Back
Livelihood Interventions
• Micro Enterprises – Individual – Group – Special Projects
• Collective Farming • Consortia • Samagra (Comprehensive)
Back
12
What is a Micro Enterprise? An enterprise with investment ranging from
Rs 5,000/- to Rs 2.5 lakhs
An enterprise which can generate at least Rs 1500/- per member per month either by way of wage or profit or both together
An enterprise fully owned, managed and operated by members themselves preferably women
An enterprise with a minimum turn over of Rs 1 lakhs to Rs 5 lakhs
13 13
Micro enterprises
• Microenterprises – individual and group (min 5) income generation activities – More than 100 activities ranging from solid
waste management to Health care to IT services
– Yuvashree programme for youth from NHG families
14
Financial Helps
Loan from their own thrift
Linkage Loan
Bank Loan
Subsidy
15
Micro enterprise formation General orientation training
Awareness creation of enterprises opportunities
Entrepreneurial devp programme
developing essential skills for enterprise
Appraisal by CDS
Submission to bank
Skill trainings
Release of loan
Performance improvement programme
after completion of 6 months of operations
16
Enterprise development- Kudumbashree Financial Assistance
Subsidy RME &Yuvashree Maximum 10,000/- per family 50% of total project Cost
17
Revolving Fund
For functioning groups (after 6 months of its starting) For solving the problem of working
capital shortage Maximum 15% of Total project cost
or 35000/- whichever is less
18
Interest free loan from Kudumbashree For solving the unexpected Financial
crisis Maximum 2,50,000/-
Crisis Management fund
19
Second dose assisstance
Units which are functioning over three years are eligible For changing/ improving the function of
the units 40% or 2,50,000/- (25of total project cost One time for one enterprise
20
Technology fund
For purchasing new machineries or Technology Up gradation of the units
40% or 2,50,000/- of fixed cost
v
21
Innovation Fund
For setting up new enterprises with innovative ideas. 40% of Total project cost or
maximum 250000/- (maximum 25000/- per family)
ME - Areas
• Animal husbandry • Food processing • Manufacture • Services • Responsible tourism • Solid Waste Management • Canteen and Catering service • Santwanam(paramedic services)
ME - Handicrafts
ME – Animal Husbandry
ME – Tailoring & Leather
ME – Bags (Env friendly)
ME - Pottery
ME – Laundry
ME - Catering
Special ME - Santwanam
More MEs, Q&A
Back
Collective Farming • Leased Land Farming – 2006 • Collective Farming – 2010 • Joint Liability Group (JLG)
– 4 -10 members – Minimum area of 50 cents to a maximum of 5 hectares – Maximum of 3 plots
• Support from Kudumbashree – Trainings – Area incentive – Production incentive – Interest subsidy
. . . Collective Farming As of 1-May-2013 Total Area : 13,000 hectares No. of JLGs : 54,000 No. of women : 285,000+ Major Crops : Banana
Tapioca(Cassava) Vegetables Paddy
Pineapples of Ernakulam
Rice from Palakkad
Vegetables from Thrissur
More Vegetables
Training on Coconut Climber
Even mechanised farming
M K S P Mahila Kissan Sashakthikaran
Pariyogana
• Sub component of NRLM • Capacity building • Creation of infrastructure • Convergence of other departments • Area, production incentives and interest subsidy • Post harvest support • Vegetable Markets • One stop agriculture stop
Targets of MKSP • Identification and Training of 10000 master farmers • Identification and stabilization of 30000 JLGs • Cultivation in 24000 Ha. • Introduction of high tech agricultural practices • Promotion of indigenous, integrated and innovative
practices • Introduction of drudgery reduction tools • Creation of farmers facilitation centers at Panchayat
level • Daily vegetable markets at potential areas • Capacity building of Women Farmers.
Administrative structure of MKSP
Executive director
Programme Officer
Regional coordinators
Agriculture expert
District Mission
coordinator
consultants
• Only 4,034 JLGs linked (7 %) • Zero balance accounts • Loan issues • KCC Norms not complacent with JLG
concept…. • The credit rating tool approved by SLBC,
March 2013….
Bank issues
Mahila Kisan Sashakthikaran Pariyojana
• Sub component of NRLM • Capacity building • Creation of infrastructure • Convergence of other departments • Creation of bhoo(land) bank • Area, production incentives and interest subsidy • Post harvest support • Vegetable Markets • One stop agriculture stop
. . . Mahila Kisan Sashakthikaran Pariyojana • Identification of 10,000 master farmers • Identification and stabilization of 30,000 JLGs • Cultivation in 24,000 hectares • Introduction of high tech agricultural practices • Promotion of indigenous, integrated and innovative
practices • Introduction of drudgery reduction tools • Creation of “farmer facilitation centers” at panchayat
level • Daily vegetable markets at potential areas
Back to Int
Back toLH
ME - Marketing
• Monthly market • Weekly market • Seasonal market • Home Shop • 2012 – Chaarutha : curio product range • 2013 – 24 x 7 markets, including e-shop
Photos
Photos
Photos, Q&A
Consortia Cluster similar set of enterprises • Economies of scale • Address issues of raw material procurement and marketing • Develop new products and services in the basket • Acquire up-to-date technical and technological know how
Good returns.
Amrutham Nutrimix consortium Unnathi IT consortium Kadambari Garment consortium Kannur Goat Breeders society
Samagra
District Project Groups Beneficiaries
Thiruvananthapuram Nendran Banana 1143 4572
Kollam Apparel Unit 6 38
Pathanamthitta Apiculture & honey processing 210 2100
Alappuzha Spawn & Mushroom cultivation 39 234
Kottayam Ornamental Fish culture 35 175
Idukki Cow rearing & value addition; Poultry & egg nursery
88 270
440 1350
Ernakulam Pineapple cultivation & Processing 615 3075
Thrissur Pookadali Banana cultivation & processing
100 500
Palakkad Crispy fry preparation 8 80
Kozhikkode Manufacturing of footwear uppers 30 300
Kannur Goat rearing 507 2534
Kaseragode Cashew processing 22 110
Back
Asraya • Destitute (family) rehabilitation • NHG identifies potential beneficiaries • Verification & plan preparation by local body • Approved funds transferred upfront • Spending progress monitored through MIS • 98.5% local bodies have Ashraya projects • Mandatory component of plan from 2013-14
Back
Asraya – MIS Screens
Back
Balasabha • A tiered network of Children • Small Learning Groups for experimental
and systematic learning • Thrust on overall development of
children • Right based approach • Meena’s World weekly Radio Program
Back
As of 1-May-2013 Total Balasabha : 35,000+ Balasabha Members : 364,000+
A “bala” parliament in session
Science is fun !
Craft & Nature, Q&A
BUDS School • Mentally challenged children • Interventions – from basic life skills to vocational
training – medical attention – physical and mental therapy – mobility equipment – hearing aids – individual vocational and educational training and skills – transport – food – language training
• Local Self Government owned schools – sponsorship, community/ parent management support
• Health, Social welfare department interface • 52 schools at present
Photos, Q&A
Back
Tribal Special Projects • Initiative in collaboration with the Tribal department • Primarily targets at bringing the marginalized tribals
under the aegis of the Kudumbashree network and provide them with facilities which were otherwise less accessible or denied
• Micro finance and Micro enterprise activities are given special attention – Encouragement of tribal participation in the MNREGS activities – Formation of special Ashraya projects – provision of supplementary food for the malnourished aged,
infants and adolescent girls – formation of ST Balasabhas
Back
Gender Self Learning Programme • Innovative concept introduced in 2007 • Capacitating the women to understand the existing
patriarchal systems – Encourage discussion in NHG beyond thrift and credit – Participatory module formulation- life experiences of
women as base. – Women’s space in development – blocks and constraints
experienced – Resource persons at State/ District/ Block/ Panchayat level
for module preparation and information dissemination – One Resource person per NHG
• 2013 – Digitization and analysis of “Life Experiences” • Gender portal for sharing consolidated views
(www.sreesakthi.org)
Back
Back
Nirbhaya • Programme of Government of Kerala to prevent sexual violence
against women and children • Implementing through Social Welfare Department • Kudumbashree – implementing agency at grass root level • Piloting in selected 77 Panchayats from all 14 districts. • Official launching in October 2011 • Features of the programme
– Strengthening of Jagratha Samithi – Free legal advocacy by LSGs integrating the programme in Plan fund – School oriented counseling and adolescent health programmes with
the support of education department – Trainings and orientation workshops through ICDS supervisors, ASHA
workers & Anganwadi workers by Health department – Capacity building of CBOs- to address gender disparities, awareness
about violence against women & children, rights about women & children
– 2013 : Crime Mapping across the state
Back
Urban Specific Programs • Centrally Sponsored Schemes
– BSUP/IHSDP – ISHUP – Rajiv Awas Yojana – SJSRY
• Kudumbashree schemes – Skill upgadation – Women Engineers/Supervisors/Laborers in
Construction Industry
– Tools Library/Bank – Kudumbashree Solar – Integrated Market
• Policy for Street Vendors
Back
–Basic Services to Urban Poor (BSUP) •Envisages provision of Housing and basic infra structure facilities
to the Urban Poor in the mission cities of the State. In Kerala it is
being implemented at Trivandrum and Kochi Corporations.
– Integrated Housing & Slum Development Programme (IHSDP)
•Envisages provision of Housing and basic infra structure facilities
to the Urban Poor in the non-mission cities of the State. 53
Projects are being implemented in 45 Urban Local Bodies .
BSUP/IHSDP
Photos
Karimadom - Before
Karimadom – Now !
Photos, Q&A
– Interest Subsidy for Housing the Urban Poor (ISHUP)
•Envisages provision of 5% interest subsidy for
Economically Weaker Section and Lower Income
Groups for construction or purchase of house in the
urban area.
•Subsidy given up front
ISHUP
Interest subsidy for housing
Interest subsidy for housing
Interest subsidy for housing
Rajiv Awas Yojana
Out Comes 1 Slum database : Spatial and Statistical 2 Slum Free City Plans and projects – 6
cities 3 Pilot Projects in 6 cities 4 Law for Property Rights to Slum dwellers 5 Law for Reservation of land for the Urban
Poor
Envisages a ‘Slum-free City’
Photos, Q&A
Mathippuram (in Trivandrum); 1038 families; Predominantly fishermen 10 innovative livelihood interventions; civic amenities – community hall, play grounds; Total project cost : 72 Cr (720 mil)
SJSRY Swarna Jayanti Shahari Rozgar Yojana
– Creation of employment & livelihood opportunities for the Urban Poor • General Orientation Training • Performance Improvement Programme • Urban Wage Employment Programme • Urban Self Employment Programme • Skill Training & Employment • Capacity building for CDS
Skill Training - Handicrafts
Skill Training – Cloth Bags
Top Related