progress report - projecttejaswini.com report 08-09.pdf · progress report tejaswini rural women...

2008-09

PROGRESS REPORT

TEJASWINI RURAL WOMEN EMPOWERMENT PROGRMME Mahila Vitta Evam Vikas Nigam(M.P.Govt Undertaking)

24-Zone II, M.P.Nagar Bhopal-11

Tejaswini Rural Women Empowerment Programme MP

INDEX

1. A Brief Overview ------------- 03

2. Rational ---------04-08

3. Programme Area -------------09

4. Sources and Use of funds -------------10

5. Statement of Use of funds by expenditure type ---------11-13

6. Reconciliation of IFAD funded special account ------------- 14

7. Output monitoring Report ---------15-33

Tejaswini Rural Women Empowerment Programme


Tejaswini Rural Women Empowerment ProgrammeTejaswini Rural Women Empowerment ProgrammeTejaswini Rural Women Empowerment ProgrammeTejaswini Rural Women Empowerment Programme

A Brief Overview A Brief Overview A Brief Overview A Brief Overview

S.No Particulars Details

01 Name of the Project Tejaswini MP

02 State Madhya Pradesh

03 Total District covered 06

04 Total Blocks covered 45

05 Total villages 2782

06 Total villages covered 2510

07 Total locations 60

08 Total No of Clusters 589

09 Targated SHGs 12000

10 Total SHG formed till March 09 8478

11 SHGs in Progress till March 09 793

12 No of eligible Households 478561

13 Total No of SC Households 76068

14 Total No of ST Households 128472

15 Total SHG Members 108207

16 Total SC Population covered 15.16%

17 Total ST population covered 33.14%

18 Total OBC Population covered 45.86%

19 Other 5.34%

20 Total BPL Members in Groups 51.84%

21 Total Non BPL Members in SHGs 48.15%

22 Location Coordinators posted till date 58

23 Community Accountant posted till date 56

24 Community Moblisers Posted till date 553

25 Total saving Rs.134.4 Lakh

26 No of Inter loan 12758

27 Total Inter loning Rs.49.45 Lakh

28 Bank Account Opened 553


Rationale

Since independence many efforts were made for development of rural and

urban women by various government and non-government departments. These

efforts were made for women working in organized and unorganized sector.

Initially the focus of programmes, projects and schemes of these agencies were on

welfare activities. Apart from capacity building, under these programmes, projects

and schemes the government and some non-government agencies used subsidy and

loan providing approach in which the Government was the giver and women were the

takers. This has increased the habit of dependence on government or some

organizations. In all types of situations varying from small personal help to big

crisis women were dependent on external help. Almost no attempts were made

based on self-initiatives and women suffered a lot in want of timely appropriately

and adequate help. These programmes, projects and schemes have generated

enough awareness in all walks of life like; education, health, culture, social and legal

rights, and economic activities in women. It is learnt from these programmes,

projects and schemes that no government or other organisation can fulfill the vivid

and variety of needs forever. A need was felt to make an environment for support

of women at grass root. Number of experiments was going on in the country and

other nearby countries on women development. Some results were clearly visible of

different types of experimentation. The self-help group creation, its activation

and sustenance experiment conducted in Bangladesh, Indonesia, Korea and Nepal

resulted in many success stories. Considering the results of these

experimentations the concept of women empowerment geared up in many countries.

It was well established that the women can identify their real needs and fulfill

those needs with their local limited resources. If they participate in the process

and their resources are pooled appropriately. They need to be brought together

through some initiatives by local agencies. They need to be educated and trained in

establishing micro-groups. Their efforts need to be made continuously by the

agency that is very close to them that understand their culture, value, traditions

and belief.

Department of women and child development has been created under

Ministry of Human Resource Development to bring the women into the main stream

of National Development. State Government has also positively endorsed the need

and entrusted their work on Mahila Vitta Evam Vikas Nigam, Bhopal. This agency is

solely responsible to implement the new strategy of economic development of

women through facilitating access to training, entrepreneurship development,


credit, technical consultancy services and marketing facilities. This agency is

putting endless efforts to make women as equal partners and participants in the

development process. The vision for Tejaswini Programme has been crafted at

National level which reads as follows :-

� The development of strong and sustainable SHGs and their apex institutions

� Access to micro finance services through bank linkages

� New and improved livelihood opportunities and empowerment of women to use

these opportunities

� Activities for gender equity and empowerment including access to functional

literacy, improved health, labour saving infrastructure and participation in local

governance

The The Tejaswini Programme components have also been spelt out at National

level. The brief description of each component is given below :-

A. Development of community institution

The programme will facilitate the social and economic empowerment of

around 1,80,000 women by supporting around 12,000 SHGs. Regular meetings

of the SHGs and intra-group savings and lending will be an important part of

this empowerment.

SHG based apex institutions will be developed in line with the demand of the

SHGs. At the same time the village level committees (VLCs) at the village

level will be facilitated. VLCs are envisaged asbeing active at the local level

regarding planning, governance and womens empowerment.

A location office is already setup for 150 to 200 SHGs. The location office

is maintaining formation and nurturing of the SHGs, their training and

capacity building, supporting their savings and lending, obyaining finance

from banks, enhancements of livelihood capacities of the SHGs as well as

providing training and support for various social development activities. Each

location have one Location Coordinator, ond community accountant and 10

community moblisers to fascilitate the SHGs.

The project has begun an intensive training programme for the location

staff on SHG formation and nurturing with the help of RNGOs. The training

programmes conducted so far include:


1. Base line survey and cluster formation.

2. RRA & Households survey.

3. Gender sensitization.

4. SHG formation & process

5. Maintenance of SHG accounts.

6. SHG management Training (Picture Book)

7. Social justice and Equity

8. Strengthening of SHGs

Further training programmes are planned on a range of issue inter-loaning, bank

linkages, federations/ apex institutions and as per needs/ demands emerging from

the field.

B. Micro Finance Services

Micro finance services are an important component of the programme. To

begain with, the process to traind the SHGs for intra group savings and

lending is started at the locations. Thereafter the SHGs will be linked with

the banks to obtain finance. Micro insurance activities will also be supported.

Training in finance management system will be imparted to the members of

SHGs and their federations. Training and orientation programmes for

bankers are proposed in order to make the micro finance more effective.

The process of SHG formation began seriously in July, 2008 in the

Programme. As on March 2009, 8478 SHGs have been formed in Tejaswini.

These groups have been provided with cash boxes as well as appropriate

registers and individual savings books. The groups have so far saved Rs 134.4

lacs. Inter loaning has began in maximum groups.

C. Livelihood and Entrepreneurship Development

Under the programme, efforts will be made to enhance livelihood

opportunities for the women associated with the SHGs skill development

training will be imparted to the SHG members. Additionally, SHGs will be

trained in entrepreneurship development to enable them to exploit the

opportunities of the market. To this end business development center will be

supported in the districts. These business development service centers will

support the SHGs in product development, market and technical research,


marketing etc. support will be extended to SHG base producer companies to

enable women to exercises their collective power in marketing.

To identify and explore the livelihoods opportunities an agency would be

finalize to help the process. For the selection of this agency the EOI called

for different agencies. As advertisement is issued for this purpose and 51

EOI are received for this. Their scruitning and selection of agency would be

start after the model code of conduct.

D. Women’s Empowerment and Social Justice

This component of the Programme will address gender empowerment.

Environment for women’s empowerment will be created through sensitization

programmes for government servants of different levels, members of village

Panchayats, particularly males, and through radio and TV programmes.

Activities to reduce women’s drudgery will be supported in the programme.

Health and political empowerment issues will also be addressed.

The programme began working on gender issues from the very first, as there

was a tendency in such programmes to ignore these issues. To beginning with

gender sensitization training programme was held with SPMU and DPMU

officers and gender sensitization training was held for the location staff.

The gender sensitization workshops produced enthusiasm from some

Programme staff and FNGOs, but others found that these were too

disruptive and radical. This showed that the Programme needed to engage

not only with the community but its own team in an intensive manner. A

workshop was held to deliberate the strategy for approaching gender

related issues. During these deliberations, it was decided that SHGs would

be encouraged to take up problems that do not arouse too much opposition in

the community to begin with, such as taking benefits from government

schemes and health issues to begin with, and as the groups become stronger,

they would be supported to address more contentious issues such as family

violence.

Training programme for location staff have subsequently been held to

explain the Programme strategy vis-à-vis gender, and how SHGs can be

encouraged to take small initiatives. These capacity building exercises will


continue through 2009-10. Some important activities of this component are

as follows –

• Trg / of staff on Gender issues, Module 3 ,Two days

• Training of Social Justice and Equity, Module 7,Three days

• Training on Health issues , three days

• Study on women violence

E. Implementation of Tejaswini

District Programme Management Units (DPMU) are being set up in all the six

districts to implement Tejaswini. It is envisaged that while MVVN will

coordinate the Tejswini Programme, government and non government

agencies which have expertise in various components of the Programme, and

are keen to work for the empowerment of poor women, will be partners in

implementation . Tejaswini is supported by the international Fund for

Agriculture Develoment (IFAD).

These interventions are being managed by well-defined project management

structure in which roles and responsibilities of each constituency are clearly

defined. These constituencies work in close collaboration with stakeholders

at each level.


Programme area The programme is being implemented in 06 districts of Madhya Pradesh. The

names and basis of their selection is as follows –

• Panna, Chhatarpur and Tikamgarh: Districts with a high degree of gender

inequality.

• Dindori, Mandla and Balaghat: Districts with high incidence of poverty and

large tribal population.

The Programme invisages setting up of a state project Management

unit(SPMU)a and District Programme Management Units (DMPUs) in all the six

districts. The Programme also envisages the setting up of a location office for 150-

200 SHGs, to impart training and assistance for the empowerment of SHGs, intra-

group savings and lending, obtaining finance from banks, enhancement of livelihood

capacities of the SHGs as well as providing training and support for various social

development activities. Location offices are to be set up by Field NGOs (FNGOs).


Sources and Uses of funds

The Component Wise Programme Cost and Its Contribution is as follows :-

(Rs in millions)

Component State

Govt.

Other

international

agencies

Bankers NABARD IFAD Benefici

aries

Total

1. Grassroots Ins. Bldg 1.747 - - - 21.139 129.204 343.52

2. Livelihood & ME Dev 18.769 - - 12.658 174.163 205.591

3. Micro finance

services

2.182 - 842.445 - 34.483 - 879.111

4. Women Emp. &

social equity

4.801 1.746 - - 53.253 8.293 68.530

5. Prog. management 26.626 - - - 92.974 - 119.601

Total 54.126 1.746 842.445 12.658 567.45 137.934 1615.92


Statement of Use of funds by expenditure type

Description of Category

Total Expenditure Rs.(in lakhs) Up to

22/07/07 23/07/0

7 to 31/12/0

7

01/01/08 to

31/03/08

Up to 31/03/08

01/04/08 to

30/06/08

01/07/08 to

30/09/08

01/10/08 to

31/12/08

01/01/09 to

31/03/09

01/04/08 to

31/03/09

Equipment , Materials

0.04 0.45 7.56 8.05 6.04 12.3 42.69 7.84 68.87

NGOs and Service Providers

0 0.18 0.79 0.97 0.27 52.24 76.94 92.17 221.62

Training 0.79 2.59 0.9 4.28 6.64 11.3 5 14.7 37.64

Community Funds & Grants

0 0 0 0 0 0 0 0 0

Consultants, Studies

3.04 14.2 0.17 17.41 0.24 0.35 1.29 0.08 1.96

Incremental operating costs

(a) Salary and allowances

6.95 11.7 20.2 38.85 14.65 23.16 18.81 28.36 84.98

(b) Operation & Maintenance

0.91 7.14 11.98 20.03 11.86 14.08 9.3 11.76 47

Total 11.73 36.26 41.6 89.59 39.7 113.43 154.03 154.91 462.07


Sources and Uses of Fund WEF 01/04/08 to 30/06/08 (Quarter Ist)

Sources and Uses of Fund WEF 01/07/08 to 30/09/08 (Quarter IInd)

Op. Balances Bank 10654333.00

Cash 34262.00

Fund Received 0.00

Componentwise Exp. Disbursement categories Description of Components Total Expenditure

Rs.(in lakhs) Category No. Description of Category Total Expenditure

Rs.(in lakhs) Gross root institution building 2.85 I Equipment , Materials 6.04

Women Empowerment & Social Equity

4.04 ii NGOs and Service Providers

0.27

Livelihood Microenterprises dev.

0 iii Training 6.64

Microfinance services 0 iv Community Funds & Grants

0

State Programme management unit

14.5 v Consultants, Studies 0.24

Distt. Programme management unit 15.88


Programme Liasoning unit 0.21 VI (a) Salary and allowances

14.65

Monitering & Evalution unit 2.22 (b) Operation & Maintenance

11.86

39.7 Total 39.7

Cl. Balances Bank 7282372.00

Cash 23804.00

Op. Balances Bank 7282372.00 Cash 23804.00

Fund Received 58664000.00

Componentwise Exp. Disbursement categories Description of Components Total Expenditure Rs.(in

lakhs) Category No. Description of Category Total Expenditure Rs.(in

lakhs) Gross root institution building 63.81 I Equipment , Materials 12.3



52.24


0.34 iii Training 11.3


0





Programme Liasoning unit 0 VI (a) Salary and allowances

23.16


14.08

113.43 Total 113.43


Cash 18994.00


Sources and Uses of Fund WEF 01/10/08 to 31/12/08(Quarter IIIrd )

Sources and Uses of Fund WEF 01/01/09 to 31/03/09(Quarter IVth)


Fund Received 0.00






92.17


0 iii Training 14.7


0





Programme Liasoning unit 0.68 VI (a) Salary and allowances

28.36


11.76

154.91 Total 154.91


Cash 15755.00


Fund Received 0.00






76.94


0.06 iii Training 5.01


0





Programme Liasoning unit 0.46 VI (a) Salary and allowances 18.81


9.3

154.04 Total 154.04


Cash 18078.00


Reconciliation of IFAD funded Special Account

S.No. Particulars Month & Year Advance

Amt in USD

Reimbursement Description

Funds released by IFAD

01 Advance 10/2007 1000000.00 $ - RF-1

Debit Advice 04/2009 96663.28 $ RF -2 & 3

160926.19 $ RF – 4

229690.38 $ RF – 5

Total 487279.85 $

02 Reimbursement pending 307511.54 $ RF- 6

03 Claim yet not

submitted

01/2009 to

03/2009

INR 154.91lakhs -

Tejaswini Rural women Empowerment Programme ,MP


Output Monitoring Report

Tejaswini was declared effective from 23rd July 2007 and by 31st March

2009, would have completed 20 months i.e. a little over an year and two quarter.

During this period the main focus has been on setting up the project structure,

development of programme strategy, SHG formation and development, training of

staff and the progress of the Programme is provided in a chronological sequence, to

enable an understanding of how the Programme has developed over time.

1. Setting up of the Empowered Committee

The Empowered Committee under the chairmanship of the Chief Secretary to

guide and monitor Tejaswini Programme was set up on 23rd Feb., 2007 and its first

meeting was held on 26th March, 2007. In this meeting the Programme was

presented to the Committee, and the Committee gave general guidelines about

setting up SPMU and DPMU and starting up the project. The Empowered Committee

also set up sub-Committee chaired by the Principal Secretary Woman and Child

Welfare Department, with the Finance Secretary as member, that could meet more

frequently to consider various other important issues. Three meetings of the

Empowered Committee have been held so far.

2. Setting-up of SPMU and DPMU

The setting up of SPMU and DPMU began subsequently. Transparent and

rigorous procedures were followed for selection of staff. For the manager level

these included written tests, group discussions and interviews. The selection team

included external experts, a government representative as well as the Managing

Director MVVN/ Project Director Tejaswini.

With IFAD concurrence, some necessary changes were made in the management

structure as well as the pay structure of employees. The most important change

made was that each district was provided with and Additional District Project

Manager to strengthen the district offices.

All posts at SPMU and DPMU have been filled, provides the present status of posts

filled in SPMU and DPMU). At present, SPMU and DPMUs are fully functional with

the required infrastructure, facilities etc. Staff position at annex-1

3. Financial and Administrative Rules for Tejaswini

The Programme also prepared its own financial and administrative rules, to

smoothen administrative and financial decisions. These were approved, with


modifications as suggested by the Finance Secretary, by the sub-Committee of the

Empowered Committee and were subsequently placed before Board of the

Corporation and the Empowered Committee.

4. Selection of Resource Agencies for Institutional Development

Two resource agencies, i.e. PRADAN and Mahila Chetna Manch (MCM) have been

selected to provide resource support for institutional development. These agencies

were selected through and open tendering process. Mahila Chetna Manch was

contracted to provide resource support for Tikamgarh. Chhatarpur and Panna, while

PRADAN was contracted to provide the same for Balaghat, Mandla and Dindori.

These agencies have subsequently provided critical support in strategizing for SHG

development, preparation of resource material and training of location staff.

RNGOs have also set up two location centres in each district, i.e. six location

centres per RNGO.

5. Loan Effectiveness and Start-Up Workshop

After the above activities, the loan agreement for made effective from 23rd

July 2007 and a start-up workshop was held on 09 & 10 August 07 in Bhopal with

participation of UNOPS and IFAD representatives.

6. Implementation Manual

An implementation manual for the Programme was prepared and shared with the

staff.

7. Setting up of State Level Project Advisory Committee (SPAC) and District

Level Committees to ensure coordination at the state and district level

State Level Project Advisory Committee (SPAC) was setup on 4th Oct. 2007.

District level committees were set up under the chairmanship of the District

Collector on 13th August, 2007. These have met regularly in the district to review

the progress of the programme.

8. Selection of Locations

60 locations were selected in the six project districts. These locations were

selected to include the most deprived areas in each district. A systematic

procedure was developed to identify such areas. Blocks were ranked for under-

development and poverty on the basis of criteria such as SC/ST population and

literacy, and within the blocks, pockets of poverty were identified. Clusters of 50

to 60 contiguous villages were thus identified as locations. Areas where there are a

large number of villages under similar programmes i.e. The District Poverty


Innetiative Programme (DPIP) and M.P. Rural Livelihoods Project (MPRLP) were

excluded. The list of locations identified is at Annexure 2.

9. Selection of Facilitating NGOs

To set up location offices, MVVN invited expression of interest from NGOs

through advertisements in local and state level leading newspapers on 04.07.07 and

24.07.07. A total of 454 applications were received. A rigorous and transparent

process for the selection of NGOs was followed. The process of selection was

completed in three stages as follows:

A. All the proposals were screened by two committees comprising a consultant

form IFAD Delhi Office, State Government representatives, Resource

NGOs, MVVN representatives and DPMs. The committees marked each NGO

on its organizational strength, experience with SHGs and field presence.

Extra weighage was given to NGOs that had worked with gender related and

livelihoods issues. For each district 12 potential FNGOs were short-listed.

B. In the second stage, field visits to all the short-listed NGOs were held form

September-December 2007. The teams that made the visits comprised of a

representative from M.V.V.N, a representative from RNGOs, the concerned

DPM and a finance expert. The teams had a prescribed format to evaluate

the organizations capabilities on different areas like personnel strength,

financial system, infrastructure and organizational procedure etc. In the

field, teams interacted with the SHGs formed by NGOs and assessed their

quality. The teams also held meetings with government officials and bankers

to know about their experience with the organization.

C. After the field visit short-listed FNGOs were called to make presentations

to a committee comprised of a consultant from IFAD Delhi, a state

government representative, MD MVVN, PD Tejaswinin and representatives

from RNGOs. Organizational strength, SHGs experience and planning for

Tejaswini were the main focus of presentation.

On the basis of the evaluation of the field visit and the presentation, 24 FNGOs

were selected to run location centres in Tejaswini. The list of FNGOs selected is at

Annexure-3.


10. Selection of Base Line Assessment Agency

The Agriculture Finance Corporation (AFC) has been selected to conduct the

base line assessment survey. Though the selection process was completed by MVVN

18th March 2008, IFAD consent was obtained only on Aug. 2008 The agency is at

present conducting their field work, and the reports expected to be available by

July 2009.

11. Appointment of Locations Staff

Location staff was appointed by the FNGOs. Each location office in Tejaswini

has a location coordinator, a community accountant and 8-10 community mobilizers.

Guidelines specifying minimum qualifications were issued by SPMU and the process

of selection was also laid out. This included written tests, group discussions and

interviews. The District Project Managers also participated in this process to

ensure that appropriate candidates were selected. For the selection of location

coordinators and community accountants, resource NGOs was also involved.

Community mobilizers were selected from among local persons after written tests,

group discussions and interviews.

The position regarding the recruitment of location staff at present is as follows:

Name of Post Number of posts Present status

Location coordinator 60 58

Community accountant 60 56

Community mobilizers 589 559

12. Selection of Villages

Within the locations, villages in which the project actually planned to work were

identified on the basis of the following factors:

• Percentage of SC/ST and below poverty line families in the village

• The male female ratio of the population for Tikamgarh, Chatarpur and

Panna

• The possibility of making new Self Help Groups.

• The location staff was provided training for this exercise.


Villages taken up by the District Poverty Initiative Project (DPIP) in Tikamgarh,

Chatarpur and Panna, and those taken up by the MP Rural Livelihoods Project in

Mandla and Dindori were excluded, as these are subsidy based livelihoods

programmes, and it was anticipated that it would be difficult to implement

Tejaswini in such villages. Through the Empowered Committee it has also been

ensured that DPIP and MPRLP will not expand into villages selected for Tejaswini.

13. Household Survey

Before commencing forming SHGs, a household survey was undertaken to

identify the poor families in the villages. The location staff was trained to

undertake this survey and a list of eligible families has been drawn up in each

village and these include families registered below the poverty line, SC and ST

families as well as families of small and marginal farmers. Category-wise details of

the households identified are at Annexure-4 .

14. Gender Sensitization of Project Staff and Location Staff and Planning

for Gender

The programme began working on gender issues from the very first, as there

was a tendency in such programmes to ignore these issues. To beginning with gender

sensitization training programme was held with SPMU and DPMU officers and

gender sensitization training was held for the location staff . The gender

sensitization workshops produced enthusiasm from some Programme staff and

FNGOs, but others found that these were too disruptive and radical. This showed

that the Programme needed to engage not only with the community but its own team

in an intensive manner. On 3-4 Oct. 2008 a workshop was held to deliberate the

strategy for approaching gender related issues. During these deliberations, it was

decided that SHGs would be encouraged to take up problems that do not arouse too

much opposition in the community to begin with, such as taking benefits from

government schemes and health issues to begin with, and as the groups become

stronger, they would be supported to address more contentious issues such as

family violence.

Training programme for location staff have subsequently been held to explain

the Programme strategy vis-à-vis gender, and how SHGs can be encouraged to take

small initiatives. These capacity building exercises will continue through 2009-10.


15. Training of Location Staff on SHG Formation

The project has begun an intensive training programme for the location staff on

SHG formation and nurturing with the help of RNGOs. The training programmes

conducted so far include:

• Mobilization, SHG formation and SHG processes

• SHG Accounts

• Communication and SHG training

Further training programmes are planned on a range of issue inter-loaning, bank

linkages, federations/ apex institutions and as per needs/ demands emerging from

the field.

16. Preparation of Resource Material for SHG Development

SPMU has prepared appropriate material for supporting the location staff as

well as for SHGs to keep accounts etc. The material prepared so far include:

• A resource book for location staff on SHG processes

• A picture book and accompanying manual for the location staff to train SHGs

• Books of accounts for SHGs.

• Charts whereby SHGs can chart their own progress.

17. Formation of SHGs

The process of SHG formation began seriously in July, 2008 in the Programme.

As on March 2009, 8478 SHGs have been formed in Tejaswini. These groups have

been provided with cash boxes as well as appropriate registers and individual

savings books. The groups have so far saved Rs 134.4 lacs. Inter loaning has began

in maximum groups. Details are at annex -5

18. Management Information System

The project has developed detailed formats for monitoring SHG development.

The formats have been so designed that they can be useful for all Programme

personnel, from the community mobilizer to the project director.

These formats allow for the monitoring of the following indicators:

• Regularity of meetings

• Attendance in meetings

• Amounts saved, loaned, recovered.

• Emerging social and equity issues.


Additionally, to monitor SHG processes check lists have been prepared for 3 & 6

month old SHGs and one year old SHGs are planned to be prepared in the near

future, SPMU has provided computers at the location offices with UPS/ inverter

and Printer. A computerized MIS system will be developed subsequently.


Challenges Faced

The Programme faces several challenges, some of which are as follows :-

• Other subsidy oriented livelihoods programmers: An issue that is raised

constantly by the field agencies in Tejaswini is that the programme has no

subsidy component, while in the same districts areas there are three ongoing

livelihoods programmers, i.e. Swanrnajayanti Grameen Swarozgar Yojana (SGSY)

all across Madhya Pradesh, District Poverty Initiative Programme (DPIP) in

three Tejaswini districts; and MP Rural Livelihoods Programme (MPRLP) in two

Tejaswini districts, that have a high subsidy component. In general, the focus in

Madhya Pradesh has been on subsidy based livelihoods programmes rather than

SHGs obtaining finance through banks.

Consequently, people in the villages ask for subsidy, and mobilizing women to

form SHGs without any subsidy is made difficult. Additionally, even location

staff that have worked previously in subsidy based programmes have to be

reoriented, as they too have used the subsidy as a 'mobilization' tool.

Compounding this issue is the fact that in some villages there have been bad

experiences with SHGs, where funds have been appropriated by some

individuals. Thus the task of building faith in SHGs and their capacity to

leverage finance and improve their livelihoods poses a challenge.

• Building up the skills of community mobilizers: The NGOs within the

programme have hired more than 500 community mobilizers, who are local.

Building up the capacities of community mobilizers is a challenging task,

particularly in honing their communication skills and clarifying concepts. Though

the SPMU and DPMU have continuously held training programmes and provided

resource materials, there remain gaps in the understanding of community

mobilizers, and continuous work in this area over a long time is needed.

• Flexibility to NGOs and maintaining quality: The Programme needs to strike

a constant balance between providing flexibility to FNGOs and maintaining a

high quality of work. A Programme like Tejaswini needs to have a fair degree of

flexibility, so that all partners can contribute maximally. Yet there are also

NGOs that tend to do sub-standard work. The Programme is struggling with the

ideal balance between providing flexibility and direction/ resource support.


Annexure-1

Staff Position of SPMU and DPMUs

Staff Position of SPMU and DPMUs

Name of Post Number

of posts

Posts

filled

SPMU

Finance Manager 1 1

Community Institution & Micro Finance

Manager

1 1

MIS Manager 1 1

Gender Specialist 1 1

Livelihood Manager 1 1

Communication & Coordination Officer 1 1

M&E Assistant 1 0

Finance Assistant 1 1

Project Assistant 4 4

Helper 1 1

DPMUs

District Programme Manager 6 6

Finance Officer 6 5

Additional District Programe Manager 6 6

M&E Assistant 6 5

Finance Assistant 6 6

Project Assistant 6 6

Helper 6 6


Annex -2

District wise list of location centers

S.No. District Name of location center S.No. District Name of location

center

1 Dindori Amarpur 4 Panna Ajaygarh

Dindori Amanjganj-1

Gadasari Amanjganj-2

Gorkhpur Devendra Nagar

Mehadwani Gunnor-1

Raipura Gunnor-2

Samnapur Pawai

Shahpura Raipura

Shahpur Semaria

Total 9 Shahnagar

2 Mandla Bichiya Total 10

Bijadandi 5 Chhatarpur Badamlehra

Chiraidongari Bagota

Ghughari Bamitha

Mawai Ghuwara

Mohgaon Gulganj

Nainpur Ishanagar

Narayanganj Londi

Niwas Maharajpur

Padmi Naugaon

Total 10 Rajnagar

3 Balaghat Baihar Total 10

Balaghat 6 Tikamgarh Anantpura

Birsa Bahmoro kala

Garhi Baldevgarh

Khairlangi Budera

Kirnapur Digora

Lalbarra Jatara

Lanji Madia

Mahkepar Niguan

Paraswada Niwari

Waraseoni Tirchar kala

Total 11 Total 10

Total location centers in 6 districts - 60


Annexure-3

Tejaswini Rural Empowerment Programme

FNGO’s List

District Mandla

1. Jay Bharti Shiksha Kendra, Jabalpur

2. Sahara Manch, Raisen

3. Centre for Advance Research & Development (Card), Bhopal

4. Bhagini Nivedita Shiksha Samiti

District Dindori

1. All India Society for Electronics & Computer Technology (Aisect), Bhopal

2. Bhopal Yuva Prayavaran Shikshan & Samajik Sanshthan (Bypass), Bhopal

3. Dronachrya Shikshan Samiti, Ujjain

4. National Institute of Women child & yuth Development (Newcyd), Nagpur

District Balaghat

1. Baihar Nari Utthan Sewa Mahila Mandal, Baihar, Balaghat

2. Social Action for Rural Development (Sarda), Balaghat

3. Anupma Edecation Society, Satna

4. Gramin Vikas Mandal, Balaghat

District Panna

1. Jagrati Yuva Manch Sanstha, Sahnagar, Panna

2. Chetna Samaj Sewa & Vikas Samiti, Chattarpur

3. Suruat, Bhopal

4. Shikshan & Prashikshan Sanshthan (Vote), Sagar

District Chattarpur

1. Mahila Samiti, Chattarpur

2. Darsana Mahila Kalyan Samiti, Chattarpur

3. Priyavrit Mahila Utthan Samiti, Chattarpur

4. Dastak Sewa Samiti, Chattarpur

District Tikamgarh

1. Development Alternative, Tikamgarh

2. Srijan, Delhi

3. Manav Vikas & Prakratik Sadhan Prabandhan Samiti, Jhabua

4. Vikalp, Tikamgarh


Annexure-4

Tejaswini Madhya Pradesh

House Hold Survey Data

S.No Name of District Total no

of villages

Covered

Total no

of HH

Total no

of

ineligible

HH

Total no

of eligible

HH

No of SC

House

Holds

No of

ST

House

Holds

01 Dindori 386 69958 11206 58752 7215 38062

02 Mandla 326 80520 18415 62105 4832 46159

03 Balaghat 575 143724 19826 123898 12230 30215

04 Panna 416 80898 13429 67436 19586 8365

05 Chaterpur 403 123576 37344 86232 9842 1907

06 Tikamgarh 404 95414 11327 83087 22363 3764

Total 2510 594090 111547 493837 76068 128472


Annex 5

Project Progress till March 09

District

Total

villages

covered

No of group

formed

Total

members Total saving

In Rs (Lakhs)

Total no of

loans

Total

amount of

inter loan

Dindori 386 1481 18210 25.80 2909 9.87

Mandla 326 918 10727 14.90 1666 5.52

Balaghat 575 1573 19496 29.70 5296 21.38

Panna 416 1642 21538 19.51 580 2.26

Chaterpur 403 1482 18685 25.59 704 3.7

Tikamgarh 404 1382 19551 18.95 1603 6.7

Total 2510 8478 108207 134.4 12758 49.45


Annex-6

Location Center wise Progress

S. No.

District Name of location center

No. of clusters

No. of villages

No. of

Villages

where

formed

No. of SHG formed

No. of SHG in progress

Total Bank Acct Opened

No. of Eligibal HH

1 Dindori Dindori 10 48 48 204 10 214 23 7860

Shahpur 10 41 41 170 15 185 1 7990

Shahpura 10 48 48 204 12 216 0 5586

Raipura 10 49 49 175 6 181 0 6290

Gadasarai 10 47 47 128 10 138 0 7716

Gorakhpur 10 42 42 162 10 172 0 6199

Mehadwani 10 41 41 158 7 165 2 5094

Amarpur 8 46 37 128 14 142 2 5192

Samnapur 8 36 33 152 15 167 0 6825

Total 9 86 398 386 1481 99 1580 28 58752

2 Mandla Bichiya 8 59 36 87 0 87 8 8397

Bijadandi 10 39 26 71 0 71 0 4782

Chiraidongari

10 52 36 91 40 131 0 5230

Ghughari 10 46 32 103 40 143 13 7758

Mawai 8 51 42 73 0 73 1 6438

Mohgaon 9 39 25 121 20 141 22 5341

Nainpur 10 53 36 84 46 130 0 5687

Narayanganj

10 55 12 36 0 36 0 5234

Niwas 10 51 40 102 20 122 5 4664

Padmi 10 45 41 150 25 175 0 8574

Total 10 95 490 326 918 191 1109 49 62105

3 Balaghat Baihar 10 52 52 151 5 156 0 5586

Balaghat 10 59 59 120 2 122 0 7185

Birsa 10 50 50 153 4 157 0 5785

Garhi 10 50 50 128 4 132 1 5680

Khairlangi 10 49 49 143 3 146 14 19249

Kirnapur 10 58 58 156 4 160 15 17430

Lalbarra 10 50 50 158 4 162 21 13381

Lanji 10 50 50 135 4 139 38 12176

Mahkepar 10 50 50 158 0 158 9 14463

Paraswada 10 57 57 131 2 133 0 4795

Waraseoni 10 50 50 140 3 143 40 18168

Total 11 110 575 575 1573 35 1608 138 123898


4 Panna Ajaygarh 10 47 46 173 27 200 0 9172

Amanjganj-1

10 48 44 154 46 200 0 7944

Amanjganj-2

10 58 47 177 23 200 0 6275

Devendra Nagar

10 68 58 174 26 200 2 8310

Gunnor-1 10 52 36 121 30 151 0 3812

Gunnor-2 10 53 47 180 20 200 2 7574

Pawai 10 27 25 169 31 200 19 5562

Raipura 10 41 40 184 16 200 41 7748

Simaria 10 40 36 143 57 200 20 5576

Shahnagar 10 41 37 167 33 200 26 5463

Total 10 100 475 416 1642 309 1951 110 67436

5 Chhatarpur Badamlehra 10 49 37 137 15 152 3 7711

Bagota 10 49 46 153 8 161 13 8742

Bamitha 10 40 34 151 8 159 25 8072

Ghuwara 10 44 44 146 0 146 0 7764

Gulganj 10 44 44 142 0 142 52 5264

Ishanagar 10 43 40 153 9 162 14 11418

Loundi 10 55 52 150 7 157 12 12404

Maharajpur 10 33 33 170 5 175 18 11121

Naugaon 10 46 38 124 26 150 16 7384

Rajnagar 10 37 35 156 9 165 61 6352

Total 10 100 440 403 1482 87 1569 214 86232

6 Tikamgarh Jatara 10 26 26 120 7 127 0 6483

Bahmoro kala

10 27 27 150 10 160 0 5904

Niwari 9 36 36 116 5 121 8 5193

Tirchar kala 9 39 39 158 6 164 6 8097

Niguan 10 42 42 147 5 152 0 8181

Madia 10 39 39 150 7 157 0 6104

Anantpura 10 49 49 161 6 167 0 9139

Digora 10 52 52 152 6 158 0 9001

Budera 10 48 48 120 10 130 0 10693

Baldevgarh 10 46 46 108 10 118 0 11343

Total 10 98 404 404 1382 72 1454 14 80138

GT 60 589 2782 2510 8478 793 9271 553 478561


District wise SHG Formation Status

0

500

1000

1500

2000

1481

918

1573 164214821382

No.

of S

HG

s

Districts

SHG Formation Status

Dindori

Mandla

Balahat

Panna

Chhatarpur


Age wise SHG status

BPL/Non BPL Cast wise distribution

43%

44%

13%

0-3 months

4-6 months

7-9 months

BPL52%

Non-BPL48%

ST33%

SC16%

OBC46%

Other5%


SHG Meeting Regularity

SHG Attendance Regularity

84%

8% 8% Between 76%-100%

Between 51%-75%

Between Less than50%

74%

11%

15% Between 76%-100%

Between 51%-75%

Less than50%


SHG saving regularity

Saving Loan and Repayment

[

68%

11%

8%

13%Between 91%-100%Between 76%-90%

Between 51%-75%

Less than50%

0

2000000

4000000

6000000

8000000

10000000

12000000

14000000 13439888

4945960

2279565

(Am

t. in

Rs.

)

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