The Kalanjam Community Banking System.Pptttttt
-
Upload
ashish-kumar-barnwal -
Category
Economy & Finance
-
view
934 -
download
0
description
Transcript of The Kalanjam Community Banking System.Pptttttt
![Page 1: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/1.jpg)
The Kalanjam Community Banking System
By:-Ashish kumar BarnwalPankaj Kumar BarnwalXidas,Jabalpur
1
![Page 2: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/2.jpg)
Introduction
The Kalanjiam Community Banking Programme focuses on women and believes that localised financial institutions owned and controlled by women are an effective strategy to impact on poverty and gender issues.
The primary unit of community financial institutions is the Self-Help Group of 15 to 20 poor women and is called the Kalanjiam
2
![Page 3: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/3.jpg)
Contd…………
Kalanjiam is a Tamil word which means “grain storage jar.”
The programme has taken the shape of a movement called the ‘KalanjiaIyyakam’ working towards bringing more women into the fold of the Kalanjiams;
3
![Page 4: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/4.jpg)
Contd…………..
The Kalanjiam Movement is implementing a number of innovative programmes for reaching out to more women.
The Kalanjiam Foundation has been promoted for up scaling the Kalanjiam nested institutions model.
4
![Page 5: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/5.jpg)
Vision
To reach nearly millions of poor families
and impact on their livelihoods in a significant way.
5
![Page 6: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/6.jpg)
Mission
• Up scaling the Kalanjiam Program;• Create, Nurture and Sustain Community
Organisations of women in Microfinance for Development;
• Deepening the Microfinance for addressing poverty.
6
![Page 7: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/7.jpg)
Guiding Principles• Promotion of Self-regulation and
self-renewal process;• Promotion of people institutions with
the prime focus on self help, mutuality and sustainability;
7
![Page 8: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/8.jpg)
Contd……………..
Value collaboration with mainstream financial and development institutions;
Working with poor women to address poverty and development of women.
8
![Page 9: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/9.jpg)
Products/Services
• Savings
• Credit
• Insurance
9
![Page 10: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/10.jpg)
Women's Savings & Credit Groups (15-20 members) Primary Groups at Village level.
Local Banks
Federation of groups (150-200 groups) At the
Block level
Cluster Development Association
(15-20 groups) 4-5 nearby
villages
Nested Institutions
10
![Page 11: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/11.jpg)
Reach•Exclusive focus on poor reaching out to 257,928 poor women;•Geographical spread-5,604 villages/slums of 103 locations of 25 underdeveloped districts.•States- Tamil Nadu, Karnataka, Madhya Pradesh, Orissa.• Union Territory- Pondicherry.
11
![Page 12: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/12.jpg)
A number of 32 commercial banks and Regional rural Banks are currently involved in the linkage programme with the Kalanjiams through 192 bank branches;
Through this linkage, bank is providing a bulk loan to group and group acts as a financial intermediary and takes the responsibility of managing the loan among members and repay to the bank;
This group lending reduces the transaction cost for the bank and helps to reach large number of clients;
12
![Page 13: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/13.jpg)
The direct linkages by groups has significantly influenced the profitability of these branches and resulted in institutionalising the collaboration.
Many banks like ABN AMRO, Canara Bank, SIDBI have sanctioned loans at competitive rates with flexible terms and see a great business opportunity in future.
13
![Page 14: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/14.jpg)
The programme has promoted 47 federations which are different levels of growth process in terms of addressing financial and social development needs of poor women.
It has initiated many social development programmes which include housing, infrastructure, health, education, sanitation, drinking water, skill building, insurance and business promotion.
These federations have established linkages and entered Memorandum of Understanding (MoU) with local, district administration, municipalities, apex banks, CAPART, HDFC SIDBI, NABARD and industrial houses.
14
![Page 15: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/15.jpg)
Many federations actively participate in promoting philanthropy in each location by way of supporting education of children through scholarships, donations to people affected by fire accidents, floods and other calamities, and for meeting major health expenses of other members - and their families.
15
![Page 16: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/16.jpg)
References
• http://www.dhan.org/kcbp/frames.html
• Karmakar, K.G. (2002), Rural Credit and Self-Help groups, Sage Publications, New Delhi.
16
![Page 17: The Kalanjam Community Banking System.Pptttttt](https://reader033.fdocuments.in/reader033/viewer/2022051609/547284edb4af9f980a8b4eed/html5/thumbnails/17.jpg)
THANK YOU !
17