Social Project on Mahila Housing Sewa Trust
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Transcript of Social Project on Mahila Housing Sewa Trust
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
SOCIAL PROJECT
ON
“Mahila Housing Trust”
(SEWA)
Prepared by:
Gurjar Pankaj(34)
Jadav Akshay(38)
Kharpate swapnil(47)
Modi Dhara (59)
Submitted to:
Prof. Sonu V Gupta
SKPIMCS, MBA-1, Trimester-2 1
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
TABLE OF CONTENTS
Preface
Acknowledgement
Introduction
Research Methodology
Objective
Data Collection
Findings
Results
Impact
Summary and Conclusion
Bibliography
Appendices
SKPIMCS, MBA-1, Trimester-2 2
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
Preface
There are number of NGOs working around us but we hardly know
about them. They are providing a facilities for the upliftment of poors. They are
contributing themselves as social responsibility. There are millions of people who
are not able to get a cup of tea. As a social responsibility NGOs and government
make efforts for the upliftment of those people.
Mahila Housing Trust is also a part of these wonderful efforts MHT is
sister organization of SEWA(Self Employed Women’s Association ).in this report
we have mentioned the projects of MHT and it’s results and impact in the society.
From these project we can know how MHT works ,from where it is funded, how
many people have been benefited.
SKPIMCS, MBA-1, Trimester-2 3
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
Acknowledgement
We are feeling great pleasure in submitting this report and it is our
great opportunity to convey thanks to all of them who have helped us in
completing this report. There are many people who play a very vital role in our
achievements but giving a vote of thanks to that great people is also one
achievement. And this opportunity I have got at a time of submitting this report.
We are thankful to my college authority and especially my project
guide Prof. Sonu Vijayshankar Gupta for continuous encouragement and
guidance.
And lastly, We are thankful to all my friends and others who have
helped us in completing this report.
Thanking you.
SKPIMCS, MBA-1, Trimester-2 4
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
INTRODUCTION
SEWA:
The Self Employed Women's Association (SEWA) is a trade union of women workers in
the informal sector. Established in 1972, SEWA's main goals are to organise women
workers for full employment and self-reliance by working with them and helping them to
own and manage their own institutions. Practically, the strategy is carried out through the
joint action of trade unions and co-operatives. Full employment means employment
whereby workers obtain work security, income security, food security and social security
(health care, child care and shelter).
At SEWA we organize workers to achieve their goals of full employment and self reliance
through the strategy of struggled and development. The struggle is against the many
constraints and limitations imposed on them by society and the economy, while
development activities strengthen women’s bargaining power and offer them new
alternatives. Practically, the strategy is carried out through the joint action of union and
cooperatives.
SEWA is both an organisation and a movement. The SEWA movement is enhanced by
its being a sangam or confluence of three movements: the labour movement, the
cooperative movement and the women’s movement. But it is also a movement of self-
SKPIMCS, MBA-1, Trimester-2 5
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
employed workers: their own, home-grown movement with women as the leaders.
Through their own movement women become strong and visible.
Gujarat Mahila Housing SEWA Trust (MHT)
Preparing and finalizing house designs in consultation with
communities and expert consultants
Helping the district federations in getting the designs / plans
and cost estimates approved by the government
Technical identification and training of masons, housing
construction teams
Procurement of raw material supply
Technical inputs, supervision and monitoring of construction, and
Linking with other technical agencies as and when needed
MHT has total 2 branches. The head office is in Ahmedabad and the 2 branches
are in Vadodara and Surat..
Goals of MHT SEWA
To improve the housing and infrastructure conditions and overall living
environment of SEWA members;
To create improved access to important services such as shelter finance, legal
advice, technical assistance, information on housing market and shelter related
income opportunities for poor working women; and
To influence housing and infrastructure related urban and rural development policies and
SKPIMCS, MBA-1, Trimester-2 6
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
programmes and bring the benefits of these policies within the reach
SKPIMCS, MBA-1, Trimester-2 7
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
MAHILA HOUSING SEWA TRUST: KEY ACTIVITIES
Facilitating Access to housing, infrastructure and Environment
Upgradation.
Construction related advice and supervision of new houses, cattle sheds, roof rain
water harvesting tanks and house up-gradations;
Grass root community members and government agencies to facilitate access to
housing and infrastructure schemes of the state and central governments;
Setting up of city wide-waste management systems through mobilizing poor
women in the informal sector;
Co-ordination, institutional partnership development and capacity government for
integrated slum development ;
Planning underway to set up a “habitat resource center”
Facilitating Access to housing and infrastructure finance
Member of he national taskforce on ‘housing finance for the informal sector’
convened by HUDCOin 2000
Development of viable housing and infrastructure micro finance delivery and
repayment system for rural and urban areas ,aimed at increasing efficiency.
SKPIMCS, MBA-1, Trimester-2 8
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
cy and outreach.
Reseach training and documentation.
Training development and overall capacity building of community based
organization in slum pockets of ahmedabad city, to procure and maintain
improved infrastructure services;
Regular training of construction women workers to upgrade their skills;
Training of housing finance and technical teams for better delivery of housing
credit and technical construction related advice in urban and rural Gujarat;
Development of a capacity building training module for micro finance institutions,
to facilitate access to improved infrastructure and housing;
Preparation of various research publications videos and documentation of local
and national field based learning related to improve shelter for poor women in the
informal sector.
Advocacy and Networking
Organizing of national workshops on topical shelter related issues such as
“housing Finance for poor women in the informal sector ,to inform and influence
sector reform;
Liaiso and interface with government to effect policy change in the sector ; and
Development of a national “CBO Network” connecting people’s community based
organizations working towards facilitating improved access to shelter, across
India.
SKPIMCS, MBA-1, Trimester-2 9
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
SKPIMCS, MBA-1, Trimester-2
Accounts Team
Financial
Consultant
(1)
COMMUNITY MOBILIZATION
TEAM(17) Members
Administrative
Team
(4) Members
TECHNICAL TEAM
Members (Engineers)
CO-ORDINATOR (TECHNICAL)
Board of TrusteesBoard of Trustees
SPEARHEAD TEAM
(6) Members
Electrical Engineer (1)
Mechanical Engineer (1)Civil Engineers
(9)
IT TEAM Members
IT Consultant
/IT In charge (1)
Data Entry Operators
(1)
PROJECT CONSULT
ANT(4)
10
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
Fund sources
Foreign private parties like US AID, donors.
Fund allocation process
Fund are allocated as per the need of the project , but they are mainly
bifurcated in four ways
1. Personal expenses:
Project in charge
Supervisor
Civil engineer
Accountant
Computer operator
Spearhead leader
2. Training expenses:
Raw material
Tools
Conveyance charges
Seminars
Initial infrastructure setup exposes
3. Administrative expenses:
Office expenses
Documentation
Electricity ,water
SKPIMCS, MBA-1, Trimester-2 11
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
SKPIMCS, MBA-1, Trimester-2 12
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
SEWA Bank
SEWA Bank will:
Facilitate in linking up with the Housing Finance Institutions, in mobilizing needed
financial resources, and
Develop financial management and monitoring systems for the district
federations, SEWA and MHT.
Saving accounts compulsory for all beneficiaries
Minimam saving account starts with 50/rs
Loan is provided till the limit of 50000.
Loan is granted on the recommendation of spearhead and on past record.
Projects Undertaken By MHT
SEWA has undertaken various projects under its wings for slum upliftment. It carries out
these projects as middlemen between the government and the slum dwellers.
The various projects that it has undertaken are:
Ujala Yojna: This is a slum electrification project. It carries out this project in co-
ordination with AEC.
Parivartan Yojna: This project is carried out for the development of slum areas
by providing them with basic amenities.
Karmika Project: Under this project, MHT has undertaken to train the women
laborers so that they become skilled workers and are able to improve their
standard of living.
SKPIMCS, MBA-1, Trimester-2 13
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
Reconstruction Project: This project was undertaken by MHT devastating
earthquake of 2001. it reconstructed thousands of houses in Kucth & Bhuj for
people who had lost their houses in the natural calamity. This project is now over
& no more work is carried out in it now.
Aawas Yojna: Under this project MHT undertook to construct house for people
living under poverty line & in villages by charging minimal amount from them. This
project is also over now, but is soon to restart.
SKPIMCS, MBA-1, Trimester-2 14
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
RESEARCH METHODOLOGY
Our topic for Social Project was Mahila Housing SEWA Trust (MHT). We
were required to study everything about MHT i.e. its structure, working, projects
undertaken by them and the satisfaction level of beneficiary of “MHT” etc. To get
the basic idea about the organization we first searched about it in the internet. We
found out what SEWA as a whole stood for and in which areas it worked. Then we
decided to visit the main office of MHT so that we can interact with them and get a
clear idea about their working.
For paying a visit to them and knowing about their working we first
prepared a questionnaire in our group. We prepared questions such as:
What is the basic role of MHT?
What are the various projects undertaken by you?
From where do you arrange funds for various projects?
In which cities do you have your branches?
So on and so forth.
We interacted with the people who were actually carrying out the various projects
for MHT. They gave us the clear idea about the role they were playing as a mediator
between the government and the slum dwellers for whose development they were
working.
SKPIMCS, MBA-1, Trimester-2 15
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
OBJECTIVES
Our basic objectives to choose MHT as a study for our social project were:
To study how MHT functions.
To understand the contribution of MHT in development of the society.
To study the satisfaction level of beneficiary of “MHT”.
SKPIMCS, MBA-1, Trimester-2 16
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
DATA COLLECTION
For the purpose of data collection for our study, we personally visited the Mahila Housing
Trust office situated on Gujarat College Road, Ahmedabad. We had prepared a
questionnaire for the purpose of asking them. However, new questions automatically
emerged in our mind once we started interacting with them. We asked them various
questions related to the projects undertaken by them, which are still continuing and
which have closed. The project authorities were generous enough to give their time to us
and answer our questions patiently.
The various questions asked by us to the project authorities of MHT are as follows:
o What is SEWA as a whole?
o What is the role played by MHT?
o Which are the various projects undertaken by MHT?
o How and where are these projects carried out?
o Where are the various branches of MHT located in Gujarat?
o Which areas are covered by MHT for development purpose?
o How has MHT contributed to the development of society as a whole?
SKPIMCS, MBA-1, Trimester-2 17
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
FINDINGS
We found various things after we completed our research in MHT. The research gave us
a clear idea about how MHT works and what work it does. We were also able to look
clearly at various projects undertaken by MHT and how work is carried out in them.
Here we discuss about the various projects undertaken by Mahila Housing Trust.
Parivartan Yojna
Objectives: The main objectives of carrying out this project by MHT are
To help the government in slum upgradation.
To provide basic amenities to the slum dwellers.
To motivate the slum dwellers to become a part of the project carried out by the
government for their up gradation.
Activities:
To give shape to this project MHT has joined hands with Ahmedabad Municipal
Corporation (AMC), SEWA bank and the community where the transformation is
to take place.
The MHT plays the role of middlemen between the AMC and the slum dwellers
under the Parivartan Yojna.
It motivates the slum dwellers to become a part of the project and help the
government in their upgradation.
SKPIMCS, MBA-1, Trimester-2 18
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
To start with, a survey of the area is carried out where the upgradation is to take
place.
The survey is carried out to find out which basic amenities such as gutter
connection, drinking water, street lights, are used by the slum people and whether
they are using it ‘legally’ or not.
The data such collected is then analyzed and then given to the AMC who then
decide how much development is to be done in the area.
The actual cost of the development of the area comes out to be Rs. 16500 but the
slum dwellers are charged the minimal cost of Rs. 2100 for the same. The rest of
the amount is provided by the AMC.
For this purpose, all the slum dwellers are required to open an account with the
SEWA bank. The slum dwellers do not require paying the entire amount in lump
sum but can pay the same in installments when ever they have he money.
The seven infrastructure services provided to slum dwellers include:
Individual sewage
Individual toilets
Paved roads
Street lights
Basic solid waste management
Storm water drainage
MHT also carries out the awareness and training programs related to
maintenance of the basic amenities provided to them.
Apart from ahmedabad, this project is also carried out in Surat and Vadodara.
SKPIMCS, MBA-1, Trimester-2 19
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
Following is the contribution made by various sources for carrying out Parivartan Yojna
successfully.
Component Comm Indu NGO AMC
Physical
Development
2000 2000 --- 2000
Community
Development
--- --- 300 700
Networking with
existing main
system
--- --- --- 3000
Community
corpus
100 --- --- ---
Individual toilet 4500 --- --- ---
TOTAL 2100 2000 300 10200
SKPIMCS, MBA-1, Trimester-2 20
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
Ujala Yojana
Objectives: The objectives of carrying out this project by MHT are as follows.
To ensure availability of safe and legal electricity supply to slum residents with the
help of AMC, AEC and NGOs.
To minimize process time for new connection, organize and operate a proper bill
recovery system
To eliminate unauthorized use of electricity, regularize connections and minimize
techno commercial losses.
To involve slum dwellers in the supply and payment of dues through CBOs.
To develop strategies for up scaling the programme at all levels.
Activities:
The successful partnership of the Parivartan slum upgradation programme reinforced
and enhanced trust of the community in the approach (public-private partnership) for
service delivery. They realized that paying for the services would ensure delivery of
quality services at their door step. The informal tenure compromising of non eviction for
10 years provided by the AMC’s Slum Networking Program (SNP) increased their
readiness to invest in their houses in the slum. Almost 90% of the residents in the slum
networking programme voiced their demands for the legal supply of electricity. The
Ahmedabad Electricity Company (AEC) had very stringent norms for electrification.
Following documents were must for legal electrification. Their names in “7/12 records”
SKPIMCS, MBA-1, Trimester-2 21
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
(records demonstrating legal ownership of land).The latest copy of tariff bill Rationing
cards in their names (proof of residence). With a background of the existing problems
and the success
of Slum Networking Project, AEC took up a pilot initiative funded by USAID, to provide
electric connections to slum households.
The normal rate for providing electric connection varies from Rs 4,000-6,000 (91-136
US$) per household. Through this initiative, AEC gave connections at the rate of Rs
2,170 (49 US$) per household, the remaining amount being subsidized by USAID. As in
the SNP, the facilitation for this initiative was done by the NGOs. With a background of
the existing problems and the success of Slum Networking Project, AEC took up a pilot
initiative funded by USAID, to provide electric connections to slum households. The
normal rate for providing electric connection varies from Rs 4,000-6,000 (91-136 US$)
per household. Through this initiative, AEC gave connections at the rate of Rs 2,170 (49
US$) per household, the remaining amount being subsidized by USAID. As in the SNP,
the facilitation for this initiative was done by the NGOs. The pilot project turned out to be
a win-win situation for all partners. The slum residents were able to access regular
(legal) electric connections at affordable rates. The AMC’s purpose that more number of
citizens could lead a better quality of life was furthered through this initiative. For the
AEC, the electricity theft rate decreased and simultaneously, the regular electricity usage
rate increased. The project helped NGOs move further ahead in achieving their mission
of making initiatives for equity in development. Both, Saath and MHT facilitated loans for
payment of one time connection costs by the slum dwellers
The One time connection cost have been phase wise downscaled from Rs. 6000 (136
US$) to Rs. 2300 (52 US$). Slum residents are willing to pay provided that electricity is
affordable and accessible. Conducive conditions have to be created for electricity to be
affordable to the economically vulnerable section of the society. AEC realized that a
large portion of their customer base was slum residents. Slum residents can afford to
pay for the services provided to them. Irregular suppliers were meeting the demand
SKPIMCS, MBA-1, Trimester-2 22
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
resulting in loss to the utility company. Dangers associated with irregular electricity
supply
can be done away with. Profit margins of the utility company also increased. Today, the
partners have been working proactively to ensure that maximum number of legal electric
connections are provided, in the slums of Ahmedabad. A total of 94786 households
have been electrified. The slum dwellers have paid Rs. 40,000,000 (909,091 US$) as a
one
time connection cost to the AEC. Considering an average consumption of two units a
day the people are paying monthly revenue of Rs.18600000 (422727 US$) to the AEC.
Unrestricted and regularized power supply has made their life easier. Overall there is
improvement in the quality of life and regular electricity supply has also increased the
overall productivity level of the slum residents. There has been a positive impact on the
health status of slum residents at large. Children are able to study without fearing power
cut. Access to more electrical appliances has made them more informative. Now they
have a proper residential proof by paying their bimonthly electricity bill. Most significantly,
the self worth of the slum residents has increased manifold and this also paves a way
towards integration of the slum residents into the social and economic fabric of the city.
Before the Pilot Project
Difference in estimates for the connection in households of the same slum ranging
between Rs.6000-9000 (136– 204 US$) Issuance of bimonthly consumption bills was a
high costs for the slum dwellers.
After the Pilot Project
Uniform costs for all households in the slum i.e. Rs. 5200 (118.18 US$). AEC
commissioned changes in their operational structure to facilitate issuance of bills.
SKPIMCS, MBA-1, Trimester-2 23
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
Sardar Aawas Yojana
Objectives:
To analyze the availability of existing national and international sources of
housing finance for the poor and report on the current status of housing finance
flows to the poor.
To review and make recommendations on housing finance needs, as well as on
support systems and services necessary for communities and households to
maximize access to and utilization of housing loans.
To develop an integrated working system for housing micro-finance at the
grassroots level that would be capable of replication throughout the country.
To undertake an analysis of barriers to accessing funding for housing and develop
recommendations for overcoming them.
MHT has implemented the Aawas Yojana of the Government of Gujarat for providing
a pucca house to the rural poor. Over 1000 houses have been constructed in the
district of Patan, Surendranagar, Kutch and Kheda. MHT has linked the participant
community with other infrastructure scheme of the government to provide water
connection and electricity.
Activities:
Provision of basic infrastructure in slums and low income areas in partnership with
Urban Local Bodies (ULBs).
SKPIMCS, MBA-1, Trimester-2 24
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
Developing slum up gradation plans with urban local bodies to plan and design
basic infrastructure in slums.
Electrification for low income households.
Karmika School for construction workers.
Planning and construction of low income housing.
Technical assistance for disaster resistant housing in rural areas.
Training awareness and capacity building of community based organization
(CBO) and Urban Local Bodies.
Facilitating access to housing and infrastructure finance with technical support.
Action, research and documentation.
Policy influence, advocacy and networking.
SKPIMCS, MBA-1, Trimester-2 25
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
Reconstruction Project:
This project was undertaken by MHT during the devastating earthquake of 2001. It
reconstructed thousands of houses in Kucth & Bhuj for people who had lost their houses
in the natural calamity. This project is now over & no more work is carried out in it now.
Gujarat Earthquake – 26 January 2001:
Following the major earthquake (7.9 on the Richter scale) that hit Gujarat on 26 January
2001, the most severely affected districts of Gujarat were:
1. Kutch
2. Patan
3. Surendranagar
Post Earthquake Survey Results: Damage to Housing:
Following no. of houses were damaged in the earthquake:
Sr. No. District Talukas No. of
VillagesNo. of Houses
Damaged
Totally Partially
1.Kutch Abdasa 26 1416 2216
Nakhatrana 23 1503 1926
Lakhpat 16 915 246
Patan Santalpur 44 7000 4000
SKPIMCS, MBA-1, Trimester-2 26
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
2.Radhanpur 21 500 2000
3.Surendranagar Dhrangadhra 10 2500 800
Halvad 9 2500 700
Patadi 13 600 450
cTotal :
162 16,934 12,338
MHT’s Proposed Housing Reconstruction:
As far as building reconstruction – housing was considered MHT covered161 villages in
the three districts – Kutch, Surendranagar and Patan. The total number of completely
damaged houses in these 161 villages in three districts was around 16,000. The no. of
houses, that were severely damaged, and which were inhabitable were around 12,000.
Totally around 28,000 houses were rebuilt in 161 villages.
Activities:
a. The entire housing reconstruction programme was participatory and owner driven.
b. There are 10 major communities in these 3 districts. Each community has its own
housing design and style
c. In consultation with the different communities, MHT developed community-
specific housing models. The draft model was finalized in consultation with expert
panel of architects and engineers.
d. Meanwhile SEWA’s district association’s field teams conducted "Sandesh Yatras"
in the selected 30 villages. The main objective of "Sandesh Yatra" was to orient
the villagers on safety and scientific building practices.
SKPIMCS, MBA-1, Trimester-2 27
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
SKPIMCS, MBA-1, Trimester-2 28
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
Karmika Yojna:
Objectives:
To provide skills training for various trades in construction industry to all
construction workers with a focus on women workers.
To provide basic functional literacy to construction workers.
Testing, evaluation and certification of skilled construction workers.
Development and promotion of alternative and low cost construction methods and
material.
To carry out distance learning and refresher courses.
Activities:
Construct industries is the second largest employment providing
industry after the Agriculture industry in un-organized sector. Also
93% of working labors are women.
Mahila Housing Trust (MHT) initiated a construction women workers skill
upgradation program in 1999 based on the demand from over 20000 women
construction workers organized by SEWA.
MHT established a training center providing skill upgradation training like
masonry, plaster pointing and tiling.
It partnered with the Construction Industry Development Council (CIDC) to
undertake testing and certification of trained workers.
Later with collaborative effort of MHT and CIDC, Karmika School for Construction
Workers was established in March 2004 near Krishna hart institute Manipur
village.
It provided training like masonry; plaster pointing, tiling, carpentry, plumbing and
lab technician to unskilled and semi-skilled women construction workers.
The testing and certification was jointly carried out by CIDC and IGNOU
SKPIMCS, MBA-1, Trimester-2 29
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
Fund Procurement:
Every organization requires funds for carrying out its various activities. MHT gets its
funds from the following sources for the purpose of carrying out various projects and for
meeting its various needs.
o SEWA Bank
o From government – it has joined hands with AMC & AEC for carrying out various
projects and a part of fund is provided by them.
o Donations
o Grants from government
o Funding agencies like US Aid
The following is the data of SEWA bank which is the core fund for various
projects carried out by MHT.
Particulars
2000-2001 2001- 02 2002- 03 2003-04 2004-05
2005-06
No. of members
25,464 26,793 29,595 34,834 44,938
44,909
Share Capital (Rs.)
1,10,19,000 1,17,77,000 1,48,72,000 1,79,53,000 2,05,98,000
2,57,83,000
No. of Accounts
1,13,583 1,72,010 2,02,706 2,56,617 2,76,684
2,91,535
Total Deposits (Rs.)
26,81,22,000 46,43,91,000 62,39,28,000 61,96,99,000 62,47,66,000
66,57,94,000
Working Capital (Rs.)
38,99,79,000 62,54,26,000 84,90,95,000 87,23,62,000 89,14,47,000
94,12,07,000
SKPIMCS, MBA-1, Trimester-2 30
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
No. of loans & Advances Accounts
39,284 44,187 50,849 53,472 64,326
76,857
Loans & Advances (Rs.)
8,97,26,000 10,67,49,000 13,35,85,000 16,69,44,,000 18,41,72,000
24,37,47,000
Profit (Rs.) 18,22,000 35,70,000 51,76,000 88,59,000 62,20,000
61,38,000
An Interview with the Beneficiary and the spearhead leader of MHT
Name : Savitaben SindhavAs ; spearhead leader and Head of the slumsArea: Talavdi na chaapra Amraivadi , Swastika char rasta.Work experience: Since 7 years with MHT Task: To collect the installment from slums , to work as the cementing factor between Bank and Slum dwellers, appointing the Garbage pickers etc.Facts we got: Is on the payroll of MHT of Rs. 120/dayProblems like liquor barrens and their sell and production in their area.No co-operation from MHT or any other admin bodiesPeople are less interested in the activities of Karmika as less stipend is provided (Rs. 90/day).Constant harassment by the contractor.
SKPIMCS, MBA-1, Trimester-2 31
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
Karmika School: Building Capacity of Construction Workers
SKPIMCS, MBA-1, Trimester-2
I. More Working Days
5%
69%
26%
2%
58%
40%
0%
10%
20%
30%
40%
50%
60%
70%
80%
Less Than 10 Days 11 to 20 days 21 to 30 days
(Base N = 193)Working Days
Perc
en
tag
e
Before Training
After Training
32
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
For trained women there has been increase in the number of days of work. After training 40% of women reported working for 21 to 30 days in a month as compared to only 26% before training.
Eighty percent trained women reported rise in their income after training.
SKPIMCS, MBA-1, Trimester-2
II. Rise in Income
20%
80%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
No Yes
Per
cent
age
III. Total Daily Income Before and After Training
26%
48%
26%
0%2%
18%
70%
10%
0%
10%
20%
30%
40%
50%
60%
70%
80%
Less than 50 Rs. 51 to 70 Rs. 71 to 100 Rs. More than 101 Rs.
(Base N = 193)Daily Income
Per
cen
tag
e
Before Training
After Training
33
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
There has been a very substantial increase in the income of trained women. Seventy percent of the women reported earning between Rs. 70 to 100 per day after training as compared to only 20% before training.
The income of trained women rose from Rs. 10 to Rs. 50 per day. Nearly 42% reported rise of between Rs. 21 to Rs. 50 per day in their income. While 13% reported a rise of more than Rs. 50/- a day.
SKPIMCS, MBA-1, Trimester-2
IV. Amount of Rise in Income
20%
12%
25%
15% 15%
13%
0%
5%
10%
15%
20%
25%
30%
1-10 11 - 20 21 - 30 31 - 40 41 - 50 More than 50(Base N = 193)Amount (Rs.)
Perc
en
t
34
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
SKPIMCS, MBA-1, Trimester-2 35
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
As is well known women in construction work were only manual laborers. After training 30% of the women reported getting the work of helper to the karigar and 20% reported doing Karigar work such as masonary and laying of tiles, toilets, bathrooms and even overhead water tanks. Four women trained by us have become independent contractors besides nearly 10% doing minor works independently. Karmika School for Construction Workers now employ five trained women as trainers in Masonry, Tiling and Carpentry while one woman assists the trainer in electrical training.
SKPIMCS, MBA-1, Trimester-2
V. From Labourer to Karigar
100%
0% 0%
50%
30%
20%
0%
20%
40%
60%
80%
100%
120%
Labourer Helper to Karigar Karigar
Labourer to Karigar
Per
cen
tag
e
Before Training
After Training
36
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
Increase in Women’s ability to do skilled work after training
Sixty eight percent of the trained women reported that their confidence in doing more skilled construction work has gone up. Among them forty five percent said they have now the confidence of doing any skilled construction
SKPIMCS, MBA-1, Trimester-2
VI. Ability to do Skilled Work
45%
2%25%
18%
10%
Any Type of Work Electric WorkAble to do Chantar, Plaster Better Finishing with Greater SpeedOther
VIII. Confidence Level
32%
68%
0%
10%
20%
30%
40%
50%
60%
70%
80%
No Yes(Base N = 193)
Per
cen
tag
e
37
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
work. Four percent women reported that they have now developed courage to go alone for the work. Post training some women told us that their bargaining power has now increased. Their status within the family and the community as well as at work had decidedly gone up. Their own perception suggested that their confidence levels in their work as well as in general had substantially gone up. Training gave them literacy, numeric and capacity to take even precise and minutiae measurements. On the whole they had better work and home life.
A very common complaint of women construction workers was the behaviour of the contractor and Karigars towards them. Rude and insulting behaviour and sexual harassment was frequently and commonly reported by women during training. Usually women will go in group for work to avoid sexual harassment and if on any day they could not find anybody to go with them for work then they would rather not go. After training some women developed confidence and could go alone for work. Eighty five percent of the trained women reported that contractor talked nicely and with respect. Also only 7% of the trained women reported sexual and verbal abuse as compared to nearly one fourth of the sample before training.
SKPIMCS, MBA-1, Trimester-2
VII. Contractor Behaviour Towards Women
64%
24%
12%
85%
7% 8%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
Speaks Nicely and Respects uswhile doing work
Sexually Harrasses and Abuses Other
(Base N = 193)Contractor Behaviour
Per
cen
tag
e
Before Training
After Training
38
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
Results Achieved
As of May 2008, 45 slum communities/projects covering 8,348 households benefiting 39,045People have been completed. At present 4 slum communities covering 1124 household &5620 people is in advanced stage of completion. Additional 5 slum communities covering 588household & 2940 people is proposed for infrastructure development in year 2008 – 2009.
So far the community members have paid a total of US $ 3,80,600 to the AMC as theircontribution towards the services, something never done by slum dwellers anywhere else inIndia.
Health and hygiene interventions are carried out in all SNP slums that help families utilizehealth advisory and referral services to improve their quality of life.
- Organized over 275 training programs conducted separately for men, women, girls andboys for giving them basic health and hygiene awareness
- Organized over 115 camps (General camps, TB camps and Eye camps) with the help ofmedical experts.
- Distributed low cost generic medicines worth over INR 1, 35,000 to poor patients.- 18000 children immunized in 45 SNP slums.
- Generating awareness for TB and AIDS by conducting Role Plays in the slumcommunities.
- Operation of 9 child care centres in the slum communities in partnership withGovernment’s Integrated Child Care Development Scheme (ICDS) and other privatecontributions. Through these services the programme provides child care services to over402 children. Additional 4 slums are linked to nearby child care centres benefiting 79+children.
SKPIMCS, MBA-1, Trimester-2 39
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
Impact
- By May 2008, 45 slum communities covering 8348 households benefiting 39045 peoplehad been successfully upgraded.
- The slum communities in Ahmedabad have access to water, sanitation, electricity, streetlighting and paved footpaths.
- Renewed infrastructure: 18057 sq.mt. concrete and 14814 sq.mt. stone pavements havebeen made, 832 electric poles have been erected, 4868 bib cocks and 30499 m water lineshave been put in place, 300 garbage bins have been strategically placed, 27380 m sewagelines, 4860 gully traps, 955 inspection chambers, 421 man holes and 4150 private toiletshave been built.
- The community members had paid a total of US$ 380,600 to the AMC as theircontributions towards the services, something that has never been done by slum dwellersanywhere else in India.
- Over 275 training sessions for men, women, girls and boys have been conducted.
- Over 115 medical camps held and generic drugs worth over US$ 2,988 have beendistributed.
- Over 18000 children have been immunized, while 9 child care centers are in operation,providing services to over 402 children.
SKPIMCS, MBA-1, Trimester-2 40
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
CONCLUSION
MHT as a sister organization of SEWA is working on various projects whose main aim is
development of lower income group of the society.
It works for their upiftment and to improve their standard of living in the society as a
whole.
It has improved the housing and infrastructure conditions and overall living environment
of SEWA members;
It has provided safe and legal electricity supply to slum residents with the help of AMC,
AEC and NGOs through its Ujala Yojna. It also involves slum dwellers in the supply and
payment of dues through CBOs.
It motivates the slum dwellers to become a part of the project carried out by the
government for their up gradation through Parivartan Yojna.
The seven infrastructure services provided to slum dwellers under this project include
Individual sewage
Individual toilets
Paved roads
Street lights
Basic solid waste management
Storm water drainage
SKPIMCS, MBA-1, Trimester-2 41
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
BIBLIOGRAPHY
- Asnani P. U., Slum Networking Project – Ahmedabad Good Urban GovernanceCampaign – India Launch; Learning from One Another, Page # 308 – 331, September2001
- Bhatt Bijal, Ahmedabad Parivartan Programme, Good Urban Governance Campaign –India Launch; Learning from One Another, Page # 285 – 290, September 2001
- Wealth Creation & Well Being Impacts of Slum Up gradation & Improved ServiceDelivery to the poor – WSP – SA
- Bhatt Bijal, Good Governance Through Partnership: Ahmedabad – Parivartan ProgrammeShelter – Volume IV, No. 2, Page # 22 – 27, April 2001,
- Parivartan & Its Impact: A Partnership Programme of Infrastructure Development inSlums of Ahmedabad City – Gujarat Mahila Housing SEWA Trust
www.sewa.org
www.sewahousing.org
www.sewabank.com
Annual report of SEWA
Brouchers published by SEWA for various projects undertaken by them.
SKPIMCS, MBA-1, Trimester-2 42
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
APPENDICES
PARIVARTAN PROJECT
BEFORE
SKPIMCS, MBA-1, Trimester-2 43
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
AFTER
KARMIKA PROJECT
SKPIMCS, MBA-1, Trimester-2 44
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
UJALA YOJNA
SKPIMCS, MBA-1, Trimester-2 45
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
SARDAR AAWAS YOJNA
SKPIMCS, MBA-1, Trimester-2 46
Social Project – Mahila Housing Trust (MHT), A Sister Organization Of SEWA
SKPIMCS, MBA-1, Trimester-2 47