MCR HRD

Report
Empowering Communities towards
Poverty Free Andhra Pradesh
G.V.S.Reddy, MD
STHREE 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
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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 201112
– 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
AP-SERP Model
EMPOWERMENT
•Mobilization of the poor
•Member managed C B O
•Social capital
OPPORTUNITIES
•Education
• Employment
•Credit
• Access to natural Resources
REDUCING
VULNERABILITY
•Social Security-Insurance
•Pension Scheme
•Health
•Debt swapping
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
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 NDCC
Balanced diet
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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
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STHREE NIDHI
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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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