Economic Empowerment Of Rural Women
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Transcript of Economic Empowerment Of Rural Women
Economic Empowerment Economic Empowerment of Rural Womenof Rural Women
A Case Study from ITCA Case Study from ITC
Presentation at FICCI’s ‘Indian Rural Business Summit’New Delhi, 8th October 2007
Mission Sunehra KalMission Sunehra KalTransforming Lives & LandscapesTransforming Lives & Landscapes
• Natural resources managementNatural resources management– Wasteland development– Integrated watershed development– Improved agricultural practices
• Sustainable livelihoodsSustainable livelihoods– Breed improvement programme– Women’s economic empowerment
• Improving employabilityImproving employability– Universalising primary education– Skills training & upgradation
Forging Multi-Stakeholder PartnershipsForging Multi-Stakeholder Partnerships
ITC Limited
Civil Society Government
Community(Farmers, women and children)
Scale TodayScale Today• 74,427 hectares of wastelands
converted into productive agro-forestry
• 27,714 hectares brought under soil & moisture conservation
• 1.08 lakh milch animals covered under animal husbandry programme
• 13,171 women organized into micro-credit groups
• 86,000 primary school goers provided additional coaching
Women’s Economic Women’s Economic EmpowermentEmpowerment
Activity UnitTo date
Micro-credit programmeSHGs (cumulative) No 887 Members (cumulative) No 13,171 Savings (cum) Rs (lakhs) 72.05
Internal loans disbursed Rs lakhs 86.43
External loans leveraged Rs lakhs 130.94
Self EmploymentSHGs covered No 362 IG beneficiaries No 3,921
Micro-enterprisesSHGs covered No 221 IG beneficiaries No 2,923
Skills training No of women 1,321
Achievement
Women’s ProgrammeWomen’s ProgrammeMicro-enterprisesMicro-enterprises
Activity Unit Volume WomenTurnoverNo (Rs Lakh)
Agarbatti (Munger, Saharanpur, Hardoi)Tonnes 73 750 50.91
Chunari (Saharanpur) 120 0.64 Chikan (Hardoi) 280 34.00 Vermi-compost (Munger) Pits 105 123 0.83
FMCG Sales (Hardoi) 110 1.40 Mushroom cultivation (Saharanpur) Qtls 150 210 2.99 Total 1,554 90.77
Chikankari in HardoiChikankari in HardoiAA Case studyCase study
Promoting Rural Women Entrepreneurs
Low Productivity Trap of Chikankari Low Productivity Trap of Chikankari WorkersWorkers
• Unorganised• Extreme poverty• Illiteracy• Stranglehold of money lenders• High interest rates on loan• Long chain of intermediaries• Labour model for work• Social stigma• Lack of skills and competency• Gender bias
Changing the Rules of the Changing the Rules of the GameGame
Microfinance and
Micro-enterprises as
“Silver Bullets”
Micro-financeMicro-finance
1. Extensive mobilisation of women 2. Formation of micro-credit groups3. Capacity building to handle cash
transactions, bank accounts, government office, etc
4. Promotion of savings to create corpus 5. Internal lending to meet consumption
needs6. External loaning for productive purposes
Micro-enterprise: ChikankariMicro-enterprise: Chikankari
1. Organisation of women into production groups
2. Introduction of revolving fund3. Skills training & up-gradation to
enhance employability4. External consultancy for modern
designs5. Capability building for value addition in
work6. Marketing channel for finished goods
Enterprise Coordinator
Designer
Sanchalika
Production Group (50 women)
SHG SHG SHG
Member Member MemberMember
NGOITC
Info flow
Structure of micro-enterpriseStructure of micro-enterpriseFund flow
Only women as members
10-12 women as members
Revolving fund model for sustainabilityRevolving fund model for sustainability
NGOITC
Production Group “A” (50 women)
Production Group “A1” (50 women)
Production Group “A2” (50 women)
Revolving fund (Rs.6 lakh)
Installment payback
Revolving fund (Rs.6 lakh)
Installment payback
Revolving fund (Rs.6 lakh)
Chikankari value chainChikankari value chain
Production group
orders
orders
orders
orders
Finished goods
ITCNGO
Partner
Customers
Finished goods
Micro-finance and Micro-Micro-finance and Micro-enterprise enterprise Scale TodayScale Today
Inception 2004Inception 2004• No. of SHGs 193 • No. of members
2,725• Savings (lakhs)
10.32 • No. of women in Chikankari
250• Sales turnover (lakhs)
34• Wages distributed
15
Vision 2010Vision 2010•No. of SHGs 600•No. of members 10000•Savings to be generated Rs 1 crore•No. of women in Chikankari 600•Sales turnover Rs 2 crores
Micro-finance and Micro-enterprise Micro-finance and Micro-enterprise Vision for TomorrowVision for Tomorrow
Home Makers to EntrepreneursHome Makers to Entrepreneurs
• Creates women entrepreneurs• Eliminates long chain of
intermediaries• Creates various capitals-social,
economic, human• Provides regular source of income• Captures greater value chain
Value Creation for SocietyValue Creation for Society
• Better nutrition, health care & education for children
• Poverty alleviation• Brings gender equality• Improvements in food security and
quality of diets• Induces wider movements of women
for social, political and social change
Lessons for replicationLessons for replication
• Tripartite relationship model for inclusive growth
• Working model based on revolving funds• Micro-finance as the backbone• Choice of market oriented enterprise• Market linkages• Development through business model• Capacity building for continuous
improvements
Thank You