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

Welcome

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