Kudumbashree State Poverty Eradication Mission

Kerala

Understanding Kudumbashree

CDS

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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

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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

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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

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. . . 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

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Livelihood Interventions

• Micro Enterprises – Individual – Group – Special Projects

• Collective Farming • Consortia • Samagra (Comprehensive)

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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

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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

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Financial Helps

Loan from their own thrift

Linkage Loan

Bank Loan

Subsidy

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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

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Enterprise development- Kudumbashree Financial Assistance

Subsidy RME &Yuvashree Maximum 10,000/- per family 50% of total project Cost

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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

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Interest free loan from Kudumbashree For solving the unexpected Financial

crisis Maximum 2,50,000/-

Crisis Management fund

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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

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Technology fund

For purchasing new machineries or Technology Up gradation of the units

40% or 2,50,000/- of fixed cost

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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

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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

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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

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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

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Asraya – MIS Screens

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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

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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

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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

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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)

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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

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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

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–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