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Empowering Communities towards Poverty Free Andhra Pradesh
G.V.S.Reddy, MDSTHREE NIDHI
2 Nov 2012
SHG CENTRIC APPROACH FOR POVERTY ALLEVIATION
• EFFECTIVE STRATEGY FOR POVERTY ALLEVIATION
• POVERTY IS MULTI-DIMENSIONAL• SAVINGS WAS ENTRY POINT BUT NOW…• POOR ARE BANKABLE• LARGEST MICROFINANCE PROGRAMME IN
THE WORLD
STATE WISE DISTRIBUTION OF SHGs
• Andhra Pradesh 10.50 lakh
• Tamil Nadu 8.27 lakh • Maharshtra 7.71 lakh • West Bengal 6.47 lakh• Karnataka 5.35 lakh• Orissa 5.03 lakh• UP 4.30 lakh
• Kerala 3.94 lakh• Assam 2.18 lakh• Rajasthan 2.13 lakh• MP 1.78 lakh • Gujarat 1.68 lakh• Bihar 1.40 lakh
COVERAGE ALL INDIA AND AP
ALL INDIA• 79 Lakh SHGs• 10 crore households• South India major share• 30% of the population
covered• Per Group- Rs 122000 at all
India level
ANDHRA PRADESH• 1.09 crore women in 9.80
lakh S.H.Gs– All Villages and 90% of rural
poor covered– Almost 50% population is
covered– Per group –Rs225000 in 2011-
12– Accounts for 48% of the loan
outstanding at All india level
NEW INITIATIVES
• LWA districts• NRLM• Replication of AP model
SHGs-Rural Transformation
Economic development
Social development
General empowerment-Rights based approach
Institutional development
EMPOWERMENT REDUCING VULNERABILITYOPPORTUNITIES
• Mobilization of the poor
• Member managed C B O
• Social capital
• Education• Employment• Credit• Access to natural
Resources
• Social Security-Insurance• Pension Scheme• Health• Debt swapping
AP-SERP Model
Impact of SHG appraoch• Social empowerment of women• Savings by the poor• Access to financial services-Money
Multiplier effect• Emphasis on education • Improvement in health• Entering decision making bodies• Movement against social evils• Reduced dependency on informal money
lenders and other non-institutional sources• Increased assets and income
OUTCOMES OF INTERVENTIONS – Leveraging the power of the Collectives
• Bank linkage: Rs 43,316.15 Crores given to SHGs (members are individually non-bankable)
• CMSA: NPM of farming-NPM, SRI Paddy, 36’X36’ Model, NADEP, NPM Shops-Mobilization of 19.67 lakh farmers across 38.71 lakh acres
• Dairy: Women SHGs and their federations have ensured minimum support price to milk in 4200 villages.
• Marketing: VOs earn income by way of commission-26.11 lakh tons of agricultural produce worth Rs.2131 crores has been collected by VOs.
• Health and nutrition: 4200 NDCCs -98% safe deliveries, 97% complete ANC recorded across all intervention areas in the state.
• Social security: Isurance cover to 91 Lakh rural households. Coverage of 43 Lakh under Co- contributory pension.
OUTCOMES OF INTERVENTIONS – Contd
• Disability: Enhanced quality of life and opportunities for nearly 3 Lakh people with disabilities.
• Education-Balabadi• Land related issues• Focus on PoP for development• ODF Villages through active involvement of VOs
in convergence with the RWS and NREGS • Gender related issues-SAC• Family welfare measures-birth rate• Usage of IT
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36 X36 Models • Seven tier intensive cropping model• Model developed based on
principles of photo candle requirement and companion crops
• Tool to achieve nutritional security at the households level
Achievements:• So far 33,008 models established
across state • The incomes from this model range
from Rs.4,000-Rs.12,000 p.a• The highest income so far is
Rs.19,000 p.a
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Key elements of the NDCCBalanced diet • Provision of breakfast, lunch & dinner as per standards• Prepared by trained cook, the SHG member• Regular use of millets (150g)• Community gardens for regular use of leafy vegetables
Internal lending• 2.5 lakh as one time grant to NDCC• Interest generation through SHG lending
NHED
• Regular training & health education • - Counseling at Growth monitoring
STHREE NIDHI
• Community owned financial institution• Timely and adequate credit• Credit delivery in 48 hours• Focus on poor• Low cost credit delivery system
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