kudumbasree210608

8/8/2019 kudumbasree210608

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History UNICEF Supported UBSP-Alappuzha1992 Rural trial in Malappuram-1994-06 Fully conceptualised in 1996-08

Years of expansion1999-2003 Years of Innovation 2003-2006

Years of Institutionalisation 2006-onwards


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Basic Principles Normative identification of the poor

simple, non monitory indicators Organisation of the poor

Inclusiveness every BPL Empowerment of women for the

empowerment of the family and throughthe family to the community


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Basic Principles (Contd)

Holistic Appreciation of Poverty Causes and symptoms Ratchet effect

Partnership with Local Governments Next step in democratic decentralisation

- community wing of LSGI not parallel

body LSGI facilitator with right to know


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Mission of KudumbashreeTo eradicate absolute poverty in ten yearsthrough concerted community action under the

leadership of Local Governments , by facilitating

organisation of poor for combining self help

with demand led convergence of available services

and resources to tackle the multiple dimensions

and manifestation of poverty holistically.

Reaching out to the families through women & reaching out to

the society through families


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1. No Land / Less than 10 cents of Land

2. No house/ Di lap idated House

3 . No Sanitary Lat rine

4. No access to safe drinking water within 300 meters

5 . Women headed house hold/ Presence of a w idow,divorcee / abandoned lady / unw ed mother

6. No regularly employed person in the family7. Socially Disadvantaged Groups(SC/ ST)

8. Presence of Mentally or physically challenged person /Chronically ill mem ber in the family

9. Famil ies w i th an il li terate adul t member

9 Point Poverty Index (Revised - Rural)

A family having at least four of the above factors is classifiedas a Family at Risk or a Poor Family


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1) Neighbourhood Group (NHG)

2) Area Development Society (ADS)

3) Community Development Society (CDS)

1) Neighbourhood Group (NHG)

2) Area Development Society (ADS)

3) Community Development Society (CDS)

Community Based Organisation


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One woman each from 15 40 families at risk Organized into aNeighbourhood Group (NHG)Democratically selected Committee of Five Barefoot Specialists

One woman each from 15 40 families at risk Organized into aNeighbourhood Group (NHG)Democratically selected Committee of Five Barefoot Specialists

1) Neighbourhood Group The Building Block 1) Neighbourhood Group The Building Block

Volunteer for Community Health Activities

Volunteer for Infrastructure Development

Volunteer for Income Generation Activities

Secretary (The General Manager)

President (The Leader and Chief Coordinator)

Community Based Organisation(CBOs)

Video clip


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Community Based Organisation (CBOs)...........

2)Area Development Society - ADS

Federation of all NHGs in a wardFederation of all NHGs in a ward

3)Community Development Society- CDSThe Apex body at the Local Body Level

Registered under the Travancore - Cochin Literary

Scientific & Charitable Societies Act of 1955

The Apex body at the Local Body Level

Registered under the Travancore - Cochin Literary

Scientific & Charitable Societies Act of 1955


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PrivateSector

Dept.for Socially

Disadvantaged

Agriculture&

AnimalHusbandry

Dept .

IndustriesDept.

EducationDept.

CBOsof

the poor

UD/RDDept.

SocialWelfare

Dept.

Women andChild Dev.

Dept.

HealthDepartment

Banking Institutions R & A Institutions

NGOs.

LSGs

CBOs

HealthDept.

Women &Child Dev.

Dept.

SocialWelfare

Dept.

NGOs

EducationDept.

AgricultureDept

IndustriesDept.

BankBank

UD/RDDept.

PrivateSector

NGOsSC/ST Dept.

CB

Os

CB

Os

CBOs

Demand led convergence - A tried & tested model


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Key Development InititiativesHuman Resource DevelopmentMicro Finance Plus

Savings & CreditBank LinkageMicro housing (Bhavanashree)Micro Enterprises

Basic Minimum NeedsBalasabha - Children's NHGAsraya - Destitute RehabilitationProgramme

Samagra - Rural Business Hubs


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From M icro Finance to Micro Capital to

Micro Enterprise

MF

CBO

ME

IdentificationFormationLeadership

Thrift &

creditSelf help &Mutual help

Capitalformation

Income generation

Micro HousingMH

Micro InsuranceMI

MC

Capacity buildingNetworking

Local economic

development

Poverty reduction


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Capacity & Capability building of CBOs

Training for skill upgradation andattitudinal change of Volunteers

Training in Micro Enterprise Development

Preparation of anti-poverty sub plan andconvergence

Cascading type of training in 34 topics

Performance Improvement Training tie

up with EDII, Ahemadabad

Sensitization programmes in specializedtopics like Legal Literacy, WomenFriendly Police etc

Capacity & Capability building of CBOs

Training for skill upgradation andattitudinal change of Volunteers

Training in Micro Enterprise Development

Preparation of anti-poverty sub plan andconvergence

Cascading type of training in 34 topics

Performance Improvement Training tie

up with EDII, Ahemadabad

Sensitization programmes in specializedtopics like Legal Literacy, WomenFriendly Police etc

1). Human Resource Development 1). Human Resource Development


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2).Microfinance in Kudumbashree

Basic thrift and credit operations at NHG level Weekly meetings and collection of savings Cumulative Savings of Rs 984 cr and loan of Rs 2488 cr

NHG-Bank linkage model for accessing additional funds End borrowers get credit at bank rates Gradual increase in loans 91711 NHGs linked for Rs 542 cr Incentive of Rs 5000 (max)/ linked group from Kudumbashree funds

Bhavanashree Micro housing product through bulk linkage to CDS Loans of Rs 40000-5000 with 10 year repayment period

Monthly EMI of Rs 450-600 44000 loans sanctioned worth Rs 185 cr LSG provide assistance upto Rs 10000 / loan


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Banking Operations (contd..)

Microenterprises individual and group (min 5) incomegeneration activities Projects of upto Rs 2.50 Lakhs 50% of the total project cost as back end subsidy 45 % is the loan component More than 100 activities ranging from solid waste management to

Health care to IT services Yuvashree programme for youth from NHG families Common activity bought under single brand Take home food

supplement units (more than 300)

5717 group and 26522 individual enterprises involving 67000people

Subsidy worth Rs 47.69 cr released


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Kudumbashree definition of Micro Enterprise

An enterprise with investment ranging from Rs5000 to Rs 250000

Turn over between Rs 100000 and Rs 500000

Generating at least Rs 1500 per member permonth

An enterprise fully owned , managed and operated

by members themselves (OME)

Micro Enterprises


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Microenterprise Formation

Awareness creation of enterprises opportunities through 1 dayGeneral Orientation Training (G.O.T)

3 day Entrepreneurial Development Programme (E.D.P) for

developing essential skills for enterprise Identification of activity and expression of training needs Technical Training arranged by CDS Preparation of detailed project report assisted in some cases by

MECs (Microenterprise Consultants) Appraisal of the project by CDS before submission to banks Performance Improvement Programme(PIP) after completion of 6

months of operations in respect of similarly placed enterprises

direct marketing, catering, solid waste management, nutrimix


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Kudumbashree Model of ME Development contd.. Handholding support

Microenterprises Consultants (MEC) Rural Management Enterprise Consultant (RMEC)

Performance Improvement Programme(PIP) Funding Support Training cost upto Rs 2000 per person Subsidy upto 50 % of project cost (max of Rs 7500 per

person)Typical Project proposal (10 member group)

Total Project Cost Rs 200000 Beneficiary Contribution Rs 10000

Subsidy Rs 100000 Bank Loan Rs 90000

Monitoring Mechanism Local Government Involvement

L.E.D register for identifying enterprises/entrepreneurs


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Micro Enterprise Project Identification

Grabbing the emerging opportunitiesGrabbing the emerging opportunities

IT- Data ProcessingIT enabled servicesIT@SchoolHardware unitsRepair & Maintenance unitsWeb designing & hosting

Software Development


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Dry Flower


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Multi-Purpose Job Club


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Laundry units


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Direct Marketing Group


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Handicrafts


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Ethnic Foods


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Bamboo Clocks


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Flower Arrangements


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Paper Cups


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Cloth Bags

Paper Bags


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An innovative enterprise to improve the nutritional status of

children below 3 years in BPL families

Food Suppliment Take Home Ration through Anganvady

Technology support from CPCRI, Kasaragode

Five member activity group formed from NHGs

Five hundred Groups targeted from 100 LSGIs

Project cost of each unit Rs 2.20 lakh, Subsidy Rs 50000/-and Rs 10000/- entrepreneur contribution

Bank loan Rs 1.60 lakh per unitFunding through YuvashreeIntensive training to entrepreneurs for six days at existing Units

Amrutham Take Home Food Supplement

Micro Enterprise (Contd)


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Enterprise to help improve the nutritional statusof children between 6 months and 3 years

Supply Food Supplement as a part of the Take

Home Ration through Anganvadis

Technology support from CPCRI, Kasaragode

Enterprise groups with modern machinery

Total market projected at about Rs 50 cr per

annum

Amrutham Take Home Food Supplement

Micro Enterprise (Contd)


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Amrutham


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Amrutham


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Income in the hands ofwomen has importantbeneficial effects on

family well being

3)Basic Minimum Needs

44,526 New Houses (urban)

35,429 Shelter up gradation

Women entrepreneurs for repair ofwater meter

Promotion of Rain water harvesting

46,344 sanitary latrines

620 school toilets

20 Sanitary Marts

155 Micro enterprises to manageSolid Waste and Provide CleanEnvironment


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4). Lease Land farming - Harithashree

Employment opportunities for women inAgricultural Sector

Fallow lands brought under cultivation

Increase in land productivity

Additional Income and food security for poorfamily ensured

Opportunity to implement new agriculturalmethods and new planting materials

Availability of loan from financial institutions

Revamping the agricultural sector


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Lease Land Farming


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An informal forum of children for improving creativity andtalents

7,34,225 students in 42071 Bala Sabhas (age group of 10-15)

480 volunteers for nurturingBala Sabha

Thrift crossed INR 27.54 million

Weekly meetings at common place

Teaching the difficult subjects through plays and games

Annual Balasabha Sangamams

5) Bala Sabha - Childrens NHG ( Urban Area)

Video


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6) Asraya:Destitute Identification


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WHO ARE THE DESTITUTES ?

They are poorest of the poor-most vulnerable

They are the outliers of the development scenario inthe negative extreme

They live at the margins of the economy, society andpolity.

They do not have a voice or the power of choice

They are faceless and powerless not a constituency They are assetless, with capabilities too low even to

access entitlements

Les Misrables

6).Asraya:Destitute IdentificationRehabilitation & Monitoring


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Any family which attracts 7 - 9 indicators is at high risk

1. Landless

2. Houseless

3. Without access to drinking water4. Without access to toilet

5. Woman - headed

6. Unemployed7. Belonging to SC/ST

8. Physically/ mentally challenged person (at least one member)

9. Illiterate adult member (at least one member)

First level risk factor

IDENTIFICATION OF DESTITUTES

IDENTIFICATION OF DESTITUTES


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1. Squatter

2. Sleeping in public places

3. Family headed by widow/abandoned woman/unwed mothersliving in distress

4. Incurable disease

5. Beggars

6. Woman victims of atrocities/trafficking

7. No bread winner

Aggravating risk factors

IDENTIFICATION OF DESTITUTES (Contd..)

If any one of the following factors is additionally attracted, the family is classified as Destitute


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Documentation of current status and needs.

Survival needs (food,health,pension)

Infrastructure needs (shelter,sanitation,drinking water)

Psychological needs (inclusion,safety)

Human development needs (education, skill building)

Economic development need (accessing

capital,employment)

Preparation of family level plan.

Integration into village panchayat level plan.

PROCESS OF PLAN PREPARATION (Contd)


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7) SAMAGRA (Local ProductionMarketing Network)

Productivity improvement

Quality enhancement Product diversification

Ensuring market for the produce

Increased people participation

Increased women participation

Poverty reductionCapacity Building


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SAMAGRA - Activities envisaged

Cultivation of Nendran Banana in 2400 hector

Training to the activity groups -600 Nos.

Establishing Village Knowledge Centre 4 Nos. Establishing Modal Nursery 1 No.

Establishing Demonstration Farms -4 Nos.

Integrated Pest and Disease Management 2400

hector

Establishing Quality Control Labs - 4 Nos. Establishing processing park 1 No.


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SAMAGRA

Nature Fresh


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Nature Fresh Fresh Milk with Fresh Nature


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Nature Fresh Home Delivery

A good model of problem solving


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8) Clean Kerala Business

Solid W aste Management W ealth from W aste

Solid W aste Management Groups from N HGs

Group M embers collect segregated waste fromHouseholds

Transport w aste to Corporation dumping yards

using tipper auto rickshw a

Each household pays Rs 30/ - per month as usercharge

Group cater 500 to 1000 houses

Project cost Rs 3.5 lakh

Clean Kerala units established in 20 ULBs

9) EKSAT


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An innovative knowledge based enterprise

An Enterprise based on capacity building

An enterprise to meet the training needs of the community

The team consisting of educated & qualified youth fromNHG families

Equipped with most modern equipments

A Team with intensive training from reputed institutes

Training programmes of Kudumbashree being outsourced

9) EKSAT(Employment through K now ledge, Skill and

Attitudinal change through Training)


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An innovative knowledge based enterprise to meet audit

Audit team drawn from unemployed Commerce

graduates from NHG families

Audit team guided by professional CharteredAccountants

An innovative mechanism for effective auditing of

Kudumbashree CBOs which number 1.60 Lakhs

10) KAASS (Kudumbashree Accounts & Audit Service Society)

Collaboration with National Scientific


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x Technological advancement in M icro Enterprises

x Im proved Quality of products

x Professional managem ent for M icro Enterprises

x Opportunity to form clusters

x CPCRI , CMFRI , DRDO, CFTRI , RR L, II Ts, II M s etc. can

support in poverty reductionx Tie up w ith Social Science Institutes & Regular colleges

Collaboration with National Scientific,

Technical, Academic & Research Institutions

Innovations in Kudumbashree


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Thrift & Credit and Linkage BankingMicro Enterprise DevelopmentClean Kerala BusinessSanthwanam

KASSEKSATNutrimix

BhavanashreeLivelihood Oriented Business School(LOBS)Certificate course for the poor

GRQLED register

Market innovations mm asachantha, retail netw ork Samagra projects

Organogram ...


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EXECUTIVE COMM ITTEE

EXECUTIVE DI RECTOR

DIR (A &F)

g g

14 District M ission Co-ordinators

GOVERN ING BODY

DIR(SR) : Director (Southern Region) : DIR(CR) : Director(Central Region)DIR(NR) Director (Northern Region) : DIR(A & F) : Director(Finance & Administration)

POs

AO

AcO

OSS

O (C )


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ADM C -1

OSS -1 OSS -2

Organogram (Cont)

DISTRI CT M ISSION CO-ORDI NATOR

ADM C -2

A DM C : A ssi st an t D ist ri ct M issi on Co -or din at or

OSS : Office Secretarial Staff


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Achie ements


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Achievements (Contd)

Innovation

Ashraya Balasabha Yuvasree MEC Community Auditors

NREGS APSP

Concerns


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Concerns

-Credit off take-Interest rate

Burden of success NGO/Religious SHGs Federation above a level


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Please visit us www.kudumbashree.org

www.sjsry-kudumbashree.org

Mail to us

[email protected]

[email protected]

[email protected]

Thank you...hank you...

kudumbasree210608

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