NRLM –SPIP Kerala

Kudumbashree: Highlights • Neighbourhood groups

• Federated structures

• Embedded CBO

• Support of LSG in creation and nurture of NHGs

• Linkage with the LSG planning process

– Excellent outreach and feedback system – through volunteers

– Community role in channelising benefits

– Solid demand creation for public services and enhanced access

– Improved provision of minimum needs infrastructure.

• Agency of LSG in plan execution

• Economic empowerment crucial, but not all pervasive – social and political space and empowerment given due

• Community based organisation for monitoring and building social capital

• Evaluation Committees at the panchayat level involving all stakeholders partnering in development

Philosophy of Kudumbashree

Social Justice and equity

Citizenship

Freedom and entitlements

Transparency

NRLM-Kerala: Mission

To eradicate absolute poverty through concerted

community action under the leadership of local

governments, by facilitating organization of the

poor for combining self-help with demand-led

convergence of available services and

resources to tackle, holistically, the multiple

dimensions and manifestations of poverty.

NRLM Kerala: Strategies

• Social Inclusion

• Credit and Financial Inclusion

• Livelihood Development

• Skill Development for Placement

Social Inclusion:

Universal Mobilisation Inclusion of outliers in the development process

Customization to different environments

Creation of enabling environment for sustainable livelihoods

Handholding and Integration

Capacity Building

Holistic Approach

Projections- Social Inclusions

Activity

Coverage (Number of families)

7-Year Year 1

Tribal communities

The BPL among the tribal will be

identified and they will be

brought under the network by

the next 6 years(72000 families)

6000 families would be brought into the

network.

The formation of Tribal special mission in 7

districts will be initiated in the 1st year as

pilot

Coastal Communities 1.2 lakh families One seventh of the total fisher folk

population – 6,000 families

Linguistic Minorities To bring them into the network Study to understand their vulnerability

Destitute Rehabilitation 93,000 to be supported One seventh of which will be supported 15,000

Financial Inclusion Activities

Ensuring financial

discipline

Expanding the Financial literacy Campaign

Stronger and wider accounting campaign, strengthening the KAASS

mechanism

Enhancing repayment

capacity of poor

Strengthen the matching grant scheme by enabling funds from the

Revolving Fund component of NRLM

Interest Subsidy scheme - will be revamped

Strengthen the ST Corpus fund intervention

Expand the corpus fund to other vulnerable communities

Ensuring that the NREGS wages received by the poor families are

channelized in-sync with the micro finance activity

Trouble shooting mechanisms-Exposure visits to best practicing CDSs,

Capacity developing trainings.

Reducing dependency

on informal

sources

The Mission will study ‘taking over of informal loans’ and will take up

advocacy with mainstream banks to initiate similar measures

The Financial Literacy Campaign (FLC) will focus on addressing the issue

of informal sector borrowing.

In the fisheries sector, extending a cash-credit facility to NHGs as working

capital.

Activities

Access to finance For pockets where such access is difficult or non-existent.

Use of technology to enable access

Use of Post Offices which have greater spread in many such areas

Banking Mitra – counter clerk at bank branch

Social & financial

security

Existing interventions

Strengthening coverage under RSBY and AABY schemes

New interventions

A Contributory pension scheme for NHG members

Lean-Season Food Credit for areas with high indebtedness for food,

such as the coastal and forest-fringe areas

Financial Inclusion (contd)

Projections- Financial Inclusion

Activity Expected Outcome

Coverage (Number of families)

7-Year Year 1

Capacity Building of

NHG, ADS and CDS

Ensure financial discipline and financial

management capability of the network and poor

families

~2.2 lakh NHGs,

15000 ADS and 978

CDS

One-sixth of the

network

Financial Literacy

Campaign

Ensure financial discipline and financial

management capability of the network and poor

families

~2.2 lakh NHGs ~1.5 lakh NHGs

Capacity building of

KAASS

Ensure financial discipline and financial

management capability of the network and poor

families

1500 persons 300 persons

Enhancing the ST

Corpus Fund

Enhancing capability to repay and addressing risk

aversion among the poor 10,000 NHGs 1000 NHGs

Corpus Fund for other

communities

Enhancing capability to repay and addressing risk

aversion among the poor 25,000 NHGs NA

Working Capital Fund

for the Fisheries sector

Enhancing capability to repay and addressing risk

aversion among the poor 75 CDS NA

Contributory pension

scheme for NHG

members

Social and financial security 40 lakh persons NA

Food Credit Fund at

CDS level Social and financial security 250 CDS NA

Livelihood Promotion

Philosophy “Local Economic Development”

• Collective Farming/Livestock

• Microenterprises

• Allied Sector

• Market Development

• Specific Enterprise Categories

• Samagra- Value Chain Interventions

• Special Enterprise Clusters

• Skill Development for Employability

Collective Farming Activity Expected Outcome

Coverage (Number of families)

7-Year Year 1

Organisation of JLGs Access to institutional farm

credit

1 lakh groups (5Lakh

families) NA

Production and area

incentives to the farmers

Financial assistance and

motivation

1 lakh groups (5Lakh

families) NA

Technology Support

1. One stop centre for

agricultural needs(input

procurement to market)

2. Bio control Lab

3. Soil testing Lab

4. Model Farm

5. Research Trial Plots

6. Vermicompost

7. Nursery

8. Value Addition

Capacitation of the CBO

system in delivering the

desired technology to the

beneficiaries

1 lakh groups( 5 Lakh

families)

NA

Convergence with Local

Government Plans(NREGS,

RKVY)

1 lakh groups(5 Lakh

families) NA

Market linkages Assurance of markets for

farm produce NA

Animal Husbandry Animal Husbandry and allied sector

enterprises FIRST YEAR 7 YEAR

Usage of CDS action plan Demand analysis of the local

community for better production ----- ----

Expansion of JLG strategy to animal husbandry

sector 25000 families

260000

families

Convergence of mission's activities to the other

local government schemes of various

departments

Better implementation process 25000 families 260000

families

Provide local MEC or extension volunteers Better business development

support 25000 260000

Availing of technical and technological support

from veterinarians and resource persons Better rearing practises 25000 260000

Fodder cultivation and promotion of

Kudumbashree Nature Fresh model Utilisation of puramboke lands 1000 10000

Diffused breeder & calf rearing units Make available quality assets of

livestock &poultry 5000 25000

Promotion of Kudumbashree Nature Fresh

model

Better market for produce and

increased income 4000 75000

Hands on training using demonstration - small

holder units Better management for more income 500 5000

Minor economic activity through animal

husbandry Subsidiary livelihood activity 10000 100000

Pet animal breeding Livelihood activity 20 100

Management Information System for

documentation, data analysis and follow up Documentation 25000 260000

Fisheries Activity Expected Outcome 7 yr

coverage

1 yr

coverage

Special financial assistance for the

persons involved in fishing

Reduction of dependence on

money lenders for financial

assistance

1.2 lakh families 6,000 families

Trainings- fish processing & other non

fishing activities

Usage of advanced technology

in fish processing. Linkages

with technical institutes

6,000 families

Infrastructure arrangements for

processing and marketing of fish

Development of infrastructure

arrangements

Formation of consortium

Development of infrastructure

arrangements & prevention of

exploitation of middle men

Convergence of various activities with

NREGS

Creation of job opportunities

during off seasons

Encouragement of inland fishing

Utilisation of back waters and

estuaries thereby increase in fish

production and earnings

32800 families 3280 families

Microenterprises

Production micro enterprises other than primary sector

Preparation of local enterprise directory Usage of CDS action plan and MIS of the mission

for better implementation of viable micro enterprises

Project planning and feasibility analysis Development of viable enterprises

Capacity building and technology support Development of basic skills and entrepreneurial

traits

Finance Financial assistance and motivation

Incubation Lowering the mortality rate of the enterprises

Service Sector micro enterprises Development of models

Capacity building of Kudumbashree service enterprises Capacitation of Kudumbashree training groups.

Strengthening of micro enterprises

Establishment of service enterprises as per the viability New and viable service enterprise setting.

Microenterprises (contd)

Micro enterprise Collectives Based on the need and study

Promotion of Micro enterprise Collectives Convergence of resources, horizontal and vertical

integration and organised marketing

Strengthening linkage to local markets Positioning of all viable local markets to market

Kudumbashree products

Strengthening fairs and markets Exploitation of all possible markets to sell Kudumbashree

products

Establishment of retail outlets Expansion of retail outlets under the common brand name

all over Kerala

Development of e-commerce under the mission portal where

B2B and B2C transactions could be encouraged Use of value paid by post etc

Establishment of Consumer and Market Knowledge Centre Product development and market strategies development

based on consumer and market knowledge

Setting up of Common Facility Centres(CFC's) Processing and production activities economically

Infrastructure arrangements for marketing Based on the need

Skill Enhancement for

Employability

• 2000 persons skill trainings in the first year

• First year to focus on creating institutional

mechanism, formulation of schemes etc.

• Conversion of under skilled to semiskilled

and skilled workforce

• 1,00,000 persons -Total

State Mission Structure • Organisation & Training

• Disadvantaged Groups

• Gender & Balasabha

• Microfinance

• Banking

Organisation & Social

Development

• Planning & MIS

• Publicity

• Documentation

• Finance & Audit

• Establishment

Systems & Structures

• Agriculture

• Animal Husbandry

• Fisheries

• Microenterprises

• Skill Development

• Market Intelligence, Legal Issues

Livelihood

Director and Programme Officer for each division

District Mission Structure

DMC

Skill Dev,

Urban

ME &

Marketin

g

AH &

Fisheries

Agri &

NREGS

SD &

Gender

MF &

Orgn

Accts &

MIS

BLOCK LEVEL

Training

• Capacity Building of CBOs

• Skill Trainings for community enterprises

• Skill Trainings for livelihoods

• Planning & Support Mechanism

• Development Support for Samagra

Projects

• Specialized support for vulnerable groups

Community Structure of

Kudumbashree

CDS

ADS

NHG

• ADS federated into CDS at panchayat level

• Registered society at LSH

• NHGs federated into ADS at ward levels

• 10-20 women from the same locality

• Each family represented by a women

• Five volunteers in each NHG

NRLM Preparatory Works

– Formation of NRLM Core Committee

– National workshop for Action plan preparation on 2010 June 22-26

– Meeting of the Core Committee Members – 2010 July 12

– Joint workshop of Kudumbashree office bearers and the Rural

Development Department- 2010 July 15

– Internal Evaluation meeting of Kudumbashree Mission

– Meeting of the Rural Development officers on 03 September 2010

– Notification of the State Rural Livelihood Mission

– Preparation of State Perspective Plan from NRLM.

– National Workshop on NRLM at Kochi from 16th to 18th December

2010

– The Govt of Kerala, vide GO(Rt)No.262/10/LSGD dated 12/11/2010

have designated Kudumbashree Mission as the State Level Mission

under NRLM.

– NREGS Mission Director, RBI representative, Nabard etc have been

made part of the NRLM.

NRLM Preparatory Works (contd)

– “Success Stories” experience sharing to highlight the importance

of convergence.

– CDS orientation on NRLM conducted in February, 2011

– MIS Database generation-software finalized as on

December,2010; Database entry complete as on May,2011

– DMC orientation- State Level September 2011

– FLC Module preparation- draft module prepared as on

November,2011; further module development exercises taking

place in January,2012.

– RD officers- women welfare officers given induction training (5

days in 7/2/2011 to 11/2/2011)

– SLBC orientation to NRLM

Budget Sl . No Component

7-Year Total (in lakhs) 2012-13

Amount % of Total Amount % of Total

1 Capacity Budiling

& Skill Training 25,198.2 21.72% 1944.18 24.27%

2 Interest Subsidy 7000 6.03% 500.00 6.24%

3 Provision of

Capital Subsidy 60725.5 52.34% 4395.5 54.87%

4

Skills & Placement

Projects &

Innovation

7,500.00 6.46% 150.00 1.87%

5 Infrastructure and

Marketing 10065 8.68% 640.00 7.99%

Sub-Total 1,10,488.7 95.24% 7629.69 95.24%

5 Administrative

Expenses 5,524.44 4.76% 381.32 4.76%

Total 1,16,013.14 100.00% 8011.01 100.00%

RFD-objective, action and

indicators

Ensure universal mobilization of all families that are poor or at the risk of poverty into CBO

Coastal families

Tribal families

Linguistic Min.

Destitute

No. of families

No. of persons

Strengthening members and leadership of the community based organizations

CBO Network

Elected Repre.

Accountants

Officials

Master Trainers

Enterprises

Annual no. of trainings

No. of people trained

Ensure adequate access of financial services for the poor and financial security

Capacity building-NHG,ADS,CDS,KAASS

Financial Literacy Campaign

Corpus Fund-ST, Fisheries, Minorities

Interest Subsidy Scheme

Contributory Pension

No. of NHGs trained

No. of NHGs in receipt of fund

Develop sustainable livelihood options for the poor

Collective Farming

Animal Husbandry

Fisheries

Production microenterprises

Placement interventions

No. of families

No. of persons placed

NRLP

• Projects demonstrating direct livelihood interventions

– Action research & pilot for setting up women bank

– Microenterprise resource centres

– Producer companies of small producer collectives

– Action research study of Homeshop Community Marketing

system

• Projects demonstrating innovative approaches to

programme planning and monitoring.

– Methodology development for comprehensive anti-poverty

subplan

– Management & enhancement of online MIS

• Projects for research and knowledge building

– Gender & Group farming in Kerala: Kudumbashree experience

NRLP-Budget Sl. No Project Name Budget (Rs in

lakhs)

1 Action research & pilot for setting up

Women’s Bank

35

2 Microenterprise Resource Centres 140

3 Producer Companies of small producer

collectives

100

4 Action Research study of Homeshop

Community Marketing System

40

5 Methodology development for

comprehensive anti-poverty subplan

50

6 Management & Enhancement

Kudumbashree Online MIS

50

7 Gender and Group farming in Kerala: A

study of Kudumbashree experience

60

TOTAL 475

NRLP-(2011-2012)

Sl No Project Name Amount (in lakhs)

1 Action Research study of Homeshop

Community Marketing System

25

2 Management & Enhancement

Kudumbashree Online MIS

35

3 Gender and Group farming in Kerala: A

study of Kudumbashree experience

40

Total 100

Thank You