BAL MAHILA VIKAS SAMITI (VAMA) ANNUAL REPORT 2019-2020 · 2020-07-03 · Watershed Management...

ANNUAL REPORT 2019-2020

1 | Preparing people to help themselves

BAL MAHILA VIKAS SAMITI

(VAMA)

ANNUAL REPORT

2019-2020

“PREPARING PEOPLE TO HELP THEMSELVES”



Late Shri I. B. Verma (1966- 2018) A visionary person, founder of VAMA

Devoted for deprived and illiterate sections



TABLE OF CONTENTS

S.N0 Contents Page No.

1 Message from the Executive Secretary 04

2 Mission and Vision 05

3 Presence 06

4 Aims and Objectives 07

5 Programs 08

6 Activities and Achievements 09-12

7 Micro Finance 13

8 Programme during 2019-20 14-15

9 New Initiatives 16

10 Training and MIS 17

11 Partners and Donors 18-20

12 Newspaper Cutting 21

13 Testimonials 22



Message from the Executive Secretary

In last 30 years, founders of this organization worked at grass root level to uplift the living standard of deprived section of

society. In this sail of voyage, we have encountered many twists and turns but, our institute has maintained its consistency

for amelioration of society. In Year 2019-20 we have accomplished many significant projects and events successfully. But,

we fall upon with a major irrevocable loss, our organizing secretary, Shri I. B. Verma left us with a legacy of altruistic

devotion and commitment for weaker sections. With his capable leadership’s organization has retained, outstanding

progress this year also. This could have been materialized only because of your valuable input in enabling us to serve better.

I extend my sincere gratitude to each and every individual, who has assisted our society in this novel mission. In this year,

we have succeeded to achieve new targets and have witnessed several seminal moments that have pushed further, our impact

in various facets of the voluntary sector.

Brief Details of running programme:

Reinforcing Women for Sustainable Livelihood

Nurture of Farmer Producer Organizations

SHG-BANK Linkage

JLG-BANK Linkage

Digital Financial Inclusion

ASHA Health Worker Training

Provide Education Support to Poor & Needy Kids

VAMA Convent School

VAMA Private ITI

VAMA ANM School

Micro-Finance to Poor Women

Watershed Management

Eshakti

MEDP

This is a new paradigm in the history of voluntary sector, where three-tier mutual interaction among Civil Society,

Government and International Organizations, has come out as new methodologies and practices to promote a nuanced

approach to development professionalism.

I take this opportunity to thank and express sincere gratitude to all the esteemed members, colleagues, support agencies, donors and friends, who have been associated with us directly or indirectly to materialize the idea. I look forward for your

support and close association journey ahead.

Regards

SIDDHARH VERMA

EXECUTIVE SECRETARY



Organization and governance

Bal-Mahila Vikas Samiti (VAMA) is a non-profit organization, which aims at establishing an egalitarian society and creates opportunities for the rural and marginalized strata of the society to generate a sustainable livelihood. Established in 1988 by a group of social workers and registered under Madhya Pradesh Societies Registration Act 1973, VAMA currently operates in Gwalior, Datia, Chambal and Bundelkhand districts of Madhya Pradesh.

Its initiatives are targeted towards disadvantaged social groups such as dalit, tribal, women, working children and other deprived classes. These include capacity building, livelihood generation, awareness about land rights and women’s rights, health and sanitation, gender equality, domestic violence, rural education, financial literacy and microfinance to poor women. At present the organization runs from the grants and donations it receives from its partners and the CSR activities of organizations. The profits from the microfinance unit and the VAMA group of colleges are redirected to the development programs.

VAMA envisions reaching 40,000 active clients by 2020 by introducing individual and emergency loans besides the main JLG (Joint Liability Group) & SHG (Self Help group) product line.

Governing body

The Governing Body forms the decision-making unit within the organization. It consists of 07 members who are development practitioners, professionals, activists and academicians. It is laudable that such broad-based bodies have been set up, in order to advise and support the VAMA’s Executive Secretary and its staff.

As an organization, VAMA functions democratically under the aegis of the body. Most of the members are pooled form the local area as they have a thorough knowledge of the ground reality and understand the local people well.

Mission and vision

MISSION

To establish an egalitarian society with emphasis on

inclusive and sustainable growth of deprived classes.

VISION

Exploitation and injustice free, enlightened society.



districts

Gwalior

Datia

Morena

Bhind

Sheopur

Shivpuri

Tikamgarh

PRESENCE



VAMA has been working for last 30 years in the various blocks of the Gwalior, Chambal and Bundelkhand regions of Madhya Pradesh. These areas are characterized by geographical remoteness, core backwardness and extreme social discriminations. We emphasize over the empowerment of dalits, poor & marginalized communities, to uplift their living standard, create awareness for legitimate rights and train them for employment .

REGIONS

Chambal

Bundelkhand

MADHYA PRADESH

Activities pertaining to development of socially deprived and backward communities.

Enhancement of mutual co-operation and participation

Augmentation of awareness about gender equity and social justice.

Sustainable development of living standard using scientific technologies

Awareness about quality and healthy living practices

Development of responsible society to ensure sustainable utilization of natural resources

Consciousness about use of renewable/alternative energy sources

Development of small and micro enterprises, managed by marginalized and vulnerable section of society.

Creation of different earning resources for women groups, through micro credit

Participation of last line of society to implement social justice

Activities focused on fund generation for rural and urban slums

To build up a cadre of self dependent, educated women

Magnification of micro-finance activities

To establish a pronounced coordination with the institutions concerned

Aims and objectives



Right based framework

Programs

As of 31st March, 2020

Loan portfolio: Rs. 36,953,630.00

- Average loan size of Rs. 10,872.00

- No of group’s coverage: 916

- Active clients: 2238

- Members: 3896

- Loans given for: Micro-enterprises, Dairy, Agriculture, House repair and Sanitation & Education. Social development

regime

Women Empowerment - Financial Augmentation- Natural Resource Management - Improvement of rural Livelihood - Literacy Development - Prevention of female feticides - Against domestic Violence - Sanitation & Hygiene (WASH) - Health training – MEDP Training -

Education and training

- VAMA Convent School, Datia

(Play group to 12th Class)

- VAMA ANM nursing school, Datia

(Focused on local rural women)

- ASHA Training Supported by NRHM

- VAMA Private ITI affiliated by NCVT

MF Synopsis



Plantation of more than 3000 plants in the year 2019-2020

3800 farmers have been linked with 10 FPO'sfor best farming practices in year 2019-20

Ascertained the availability of subsidized animal feed for farmers

Celebrated women's day and created awareness about leading government schemes and programs pertaining to self employment and financial independence

E-Shakti project has been approved targeted for the extension of easy bank credit facility for 217 SHGs

152 individuals have been equipped with technical education in electrician and stenography trade by VAMA Private ITI.

Focus on easy microfinance assistance

Wide spread approach up to 32,012 members covering 254 villages and 32 urban slums of Gwalior and Datia districts.

Motivational programs and training for development of banking habits

Easy access for credit facilities for self-employment, productive trades like farming, horticulture, animal husbandry, dairy, poultry and to initial stage retailers

Many projects have been accomplished pertaining to awareness of financial management. 80,000 women of deprived rural section have been trained in Datia, Gwalior, Bhind, Morena, Sheopur, Tikamgarh districts.

Financial management training has enlightened rural women, for foundation of SHG. Many of them are connected to Banks & various schemes and are self dependent.

Pioneers in effective implementation and creating awareness about “BetiBachao-BetiPadao Abhiyan” in close association with M.P. Voluntary health association. This initiative included more than 550 members and gathered attention of leading news paper Dainik Bhaskar.

VAMA has been recognized as "Mother NGO" for Datia district by the Directorate of Health & Family Welfare, Madhya Pradesh for NRHM & RCH (Reproductive & child health activities) programs

Approx. 800 ASHA's- Accredited Social Health Activists are trained in VAMA every year, since 2010.

VAMA institution has its own ANM (Auxiliary nurse mid wife) training centre with 30 approved seats

The organization has accomplished Targeted Intervention (TI) Project sponsored by Madhya Pradesh Aids Control Society in Districts Mandsour and Neemuch.

VAMA has trained individuals under Skill Development Program (SDP) for Sanitary Napkin manufacturing in villages of Morar block of Gwalior.

Conducted workshop on “De-addiction awareness building” in Gwalior & Bhander block of Datia district. 81 persons of different age groups of deprived section of society participated in it.

Successfully accomplished a program on “Violence against Women” supported by PACS, DFID

VAMA convent school has become functional in Datia District from 2014. The focus is to provide better education facility for local rural. Till date 750 students have been benefitted at minimal expenditure with free of cost education for girls.

We have conducted 2 MEDP training programme for 60 womens for getting expect in diary activity. It was funded by Nabard.

Activities and achievements



VAMA ANM SCHOOL

VAMA ANM School came into existence in 2008. This

institution, imparts Nursing education to women of the

poor and socially deprived class. This initiative is

targeted for the development of trained Nursing

human resource. Our institute is affiliated with Indian

Nursing Council, New Delhi and recognized by

Mahakaushal Nursing Council, Madhya Pradesh. Our

institution has 30 approved seats.

VAMA CONVENT SCHOOL

Driven by the self commitment of consistent uphill

struggle for the deprived section of society. And to

realize the dream of standard education at minimal

expenditure, VAMA convent school initiated in the

year of 2014. School is equipped with modern

educational facilities and well qualified teaching staff.

VAMA PRIVATE ITI

To arrange skill development program in near

vicinity, for socially and economically deprived

youths. VAMA initiated ITI institute in year 2016

under two trades i.e., Electrician & Stenographer

THE SHAMDASANI FOUNDATION

The Shamdasani Foundations a charitable trust,

supports orphan

An ages, schools, handicapped homes, aged-blind,

health centers, hospitals, and rural self-help groups.

VAMA has been associated with Shamdasani foundation

since 2012. In FY 2019-20 grant of Rs. 10,000 was

released for needy poor kid’s education.



Behavioral Change Communication

Prime objective is communication for development. This process includes spread of awareness,

interaction with societies, groups to bring positive change in behavior. In this campaign VAMA has

executed following activities this year;

Mason Training

Entire country is feeling a fresh breeze of Swachch Bharat Abhiyan. Many of the states,

districts, and areas are becoming ODF gradually. Millions of toilets have been constructed in

this campaign. Success of this dream project depends upon the quality and sustainability of

constructed toilets. To develop skilled man power, for appropriate toilet construction. 25

persons were trained about the construction and sustainable model of toilets, Consultants have

imparted the training, with live demo of construction of model toilet.



Livelihood Training

Distribution of sanitation kit

Advocacy of Residents

To improve and refresh the knowledge of

women, a training program was

conducted for 30 womens, who were

involved in income generation activities.

This training has benefitted the womens

to sharpen their skill and update with

latest developments in the area.

50 sanitation kits were distributed to the families of Low class families. Intention was to

create awareness and implement the concept of hygiene.

Arranged direct discussion about the

challenges and difficulties faced by the

residents, in hygiene and health

maintenance. All these were recorded

systematically and submitted to the

departments concerned for timely

disposal.



VAMA'S MICRO FINANCE

Microfinance is a source of financial services for entrepreneurs and small businesses lacking access to banking

and related services. The main mechanisms for the delivery of financial services to such clients are relationship-

based banking for individual entrepreneurs and small businesses; and, microfinance is used to describe the supply

of financial services to low-income employees, which is closer to the retail finance model prevalent in mainstream

banking. In the last one decade, the Micro-Finance sector has emerged as an effective tool towards the

elimination of poverty in India. The poor have so far not been able to procure loans from the commercial banks.

The reasons are many – the banks lacking remote rural presence, persons don't know the procedures, the

apathetic attitude of the bank officials, not able to fulfill the conditions or rules required to get the loan approved

etc. In these circumstances, the micro-finance initiatives are making this process easy for the poor. Now, the poor

residing in remote rural areas are able to obtain loans from Micro-Finance Institutions (MFI) to fulfill the necessity

of small business requirements and for other educational and health purposes. Micro-finance initiatives, SHGs

(Self-help Groups) or JLGs (Joint Liability Group) are formed for savings purposes and also arrange for small

credits. In this way, Micro-finance has proved to be effective in economically uplifting the poor class. VAMA

entered in to Micro-Finance sector in July 2006, about 18 years after its initiation of social work in the work area.

It means that the organization had made necessary preparations in these years before it started disbursing micro-

financial credit to the people. Keeping poverty in mind VAMA felt to design three major components of

promoting microfinance, livelihood improvements and capacity building for primary and secondary stakeholders

to bring them into the mainstream of development.

The process flow



ACREDITED SOCIAL HEALTH ACTIVIST (ASHA) CERTIFICATION TRAINING

VAMA has been selected as the District training site to conduct the ASHA (Accredited Social Health Activist)

Certification training in Datia by NIOS. We have successfully accomplished the training program for the asha

certification training. Prime objective of National Rural Health Mission is to develop, trained female community health

activist ASHA for every village in country. ASHA is a resident of same village and is trained to work as an interface

between the community and the public health system. With the assistance of VAMA, local ASHA's have been trained to

creates awareness on health, nutrition, basic sanitation, on existing health services and the need for family welfare

services.

E-Shakti Project

NABARD has joined hand with VAMA to

digitalize the details of Self Help Groups. Working

promptly in this direction our institution has linked

217 SHG on online portal. This step has provided

the direct access for SHG's to be considered by

different financial institutions and donors. This

digital data updating has, not only benefitted the

SHG's but has improved transparency of process,

as it is reflecting real time financial status of

groups, individually. This task has been

accomplished in backward areas of Gwalior-

Chambal region.



REINFORCING WOMEN FOR

SUSTAINABLE Livelihood (AWP)

The project aims to build the competence of the

Gram Sabhas with the effective participation of

women in Panchayati Raj institutions. The

objective is to ensure gender equality in Gram

Sabhas. This project also empowers women

economically and socially. Prime focus is on

Livelihood Generation for women, reduce

gender inequalities. The project is under

progress and running in its 3rd phase. At present

it is operative in 12 Villages of Morar Block of

Gwalior District (M.P.).

ASHA TRAINING

VAMA has been selected as the District training

site to conduct the ASHA (Accredited Social

Health Activist) training in Datia. We have

successfully accomplished the training

program for the 1st, 2nd, 3rd, and 4th rounds,

refresher, Urban and Rural induction training.

Prime objective of National Rural Health

Mission is to develop, trained female

community health activist ASHA for every

village in country. ASHA is a resident of same

village and is trained to work as an interface

between the community and the public health

system. With the assistance of VAMA, local

ASHA's have been trained to creates

awareness on health, nutrition, basic

sanitation, on existing health services and the

need for family welfare services.



Formation & Nurture of Farmer producer Companies

To facilitate the easy market access for small scale farmers, and to provide best price for their product, concept of

“Farmers Producer Organizations” has been launched in our country. VAMA with the consistent support of

NABARD has succeeded to link 4000 marginalized farmer of Gwalior -Datia region with leading FPO's. The

NABARD has sanctioned project for Promotion and nurture of 10 Farmers Producers Organizations in this region.

All these companies have been registered under companies Act, 2013. Under these registered companies 10 shops

has become functional to provide quality animal feeds at minimal expenditure in their near vicinity.

In this F.Y, all the 10 FPOs got sanction from Nabkisan Finance Ltd for purchasing of Animal feed by which more

farmers can join the FPO for getting benefit.

New Initiatives-FY 2019-20



Training and mis

Trainings of staff in FY 19-

20

Technical Training from Sa-dhan

and water.org on WASH

FPO CEO's Training by Nabard

(Bird Lucknow)

PO & CEO's Training by Nabard

(Bird Lucknow)

Asia pacific Housing forensics By

Habitat for Humanity

Partners Meet by Sa-Dhan

National Conference by Sa-Dhan

SHG EShakti Project by Nabard

Management of information

system

VAMA has established an efficient Management of

Information System (MIS) and succeeded in having a fully

computerized MIS of MF and program unit. Earlier,

'EMPOWER’ & ‘EXCELLENCE’ from Savvy Solution Pvt.

Ltd., Jabalpur (MP). Software was installed at the HO as

basis for testing purposes and later adopted 'Micro

Financer's Software. Presently it has adopted ODED’s

open CBS; and process of transactions is going on

effectively. Moreover in 02 Branches, VAMA has fully

computerized MIS System which includes the HO. For

accounting tally ERP 9 is being used.

Besides, VAMA has deployed 03 operators for systematic

management of the MIS System and WIFI campus for

managing this huge computer infrastructure.



Partners and donors

Networking partners

Micro finance investment partners



PROGRAM PARTNER



Rang-De, Bangalore: Vama has partnership with Rang De Organisation since 2013 & till the date we have disbursed Rs. 5,28,81,100 to 4899 needy women to earn their bread.

NABARD (National Bank for Agriculture and Rural Development), Bhopal: NABARD has provided Sanitation Loan to VAMA. In Madhya Pradesh we are the only one NGO for whom NABARD has provided the Loan for construction of 225 sanitaion units in the Morar block of Gwalior district in Madhya Pradesh.

Samunnathi Financial Intermediation and Finance Limited: Samunnathi Is one of the best MFI Partner of VAMA. Samunnathi has provided Loan of Rs. 50Lakh for Agriculture and allied activities.

Kashi Vishwanath Vidhya samasthe, Bangalore: VAMA is working with KVVS in the District Gwalior of Madhya Pradesh. They have disvursed Rs. 1,12,00,000 in the F.Y 2019-20.

Indian Grameen Services (Basix-Lamp Fund), Bhopal: Vama is sharing partnership with Indian Grameen Services since 2012 & till the date they support us with Rs. 50 Lacs of Term Loan for on- lending to SHGs & JLGs.

SBI (State Bank of India), Gwalior & Bhopal: Vama& State Bank of India's partnership is quite long. They support us with term loans in past. After that we have been sanctioned a Cash Credit Limit of Rs. 50 Lacs that is now extended to Rs. 80 Lacs.

HFH (Habitat for Humanity), Delhi: Vama has partnership with Habitat for Humanity India since 2013. With the Support of Habitat, we have constructed 1218 toilets & Repaired House in Block Morar, District Gwalior. Recently we have a new proposal of construction of 500Toilets and 150 House repairing project in Morar Block.

CURRENT Funding PARTNERS - mf



Paper cutting



“It has been a pleasure working with VAMA. We got a proper exposure to how things work in an NGO end and the activites how it works effectively.”

Anusha Etane, SPJIMR

“Good to working here. Heplfull and friendly environment. Had a quick learning experience. Rushabh Chhada, SPJIMR

“Great Work, Interesting multi team is very good. Good MIS Management. Keep it up”.

Sahiba Mehboob, Water.org “Wonderful work done by VANA Team. Has a great interaction with the team wishing all the very best for future success”.

Gaurav Agarwal, Water.org

“Extremely good visit to VAMA, target villages, good staff team. All the best”

Gautam Nandi, Amit Kumar, Samunnati Finance.

Testimonials



"जजजज जज जजज जज जजजज जजजजज जज जजजजज जज, जजजज जज

जजजजजजजज जज जजज जजजजजज जजज,

जजजज जज जजजजजजजज जज जजजजजज जजजज जज जजजज जजज ज"

Bal Mahila Vikas Samiti

VAMA

Head Office

Address : 9-C, Maharana Pratap Nagar, Usha Colony, lashkar, Gwalior (M.P)-474009

Branch Office

NH-75, Gram Gandhari, Jhansi Road, Datia (M.P)

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