MCR HRD
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
• 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 poor covered
90% of rural
–
–
–
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
AP-SERP Model
OPPORTUNITIES
REDUCING
VULNERABILITY
• 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
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
11
Key elements of the NDCC
Balanced 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
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STHREE NIDHI
• Community owned financial institution
• Timely and adequate credit
• Credit delivery in 48 hours
• Focus on poor
• Low cost credit delivery system
