KudumbashreeState Poverty Eradication Mission

Kerala

Today, the bank officer calls me

‘madam’ !

The Evolution

1992 Poverty Eradication Experiment in Alappuzha Municipality

1994 Entire Rural Area of Malappuram District

1995 Urban areas across the state

1998 State-wide launch of Kudumbashree

2013 39 Lakh(3.9 million) women members

Understanding Kudumbashree

CDS

ADS

NHG

Neighborhood Groups• 10 to 20 women; one from each family• 5 office bearers• Weekly thrift, min decided by NHG• Can undertake economic activities

Area Development Society• Office bearers on NHGs in a ward• 7 office bearers

o Presidento Secretaryo 5 sector volunteer

Community Development Society• Office bearers on ADSs in a local body*• 7 office bearers• Interfaces with local govt.

Sizing Kudumbashree

CDS

ADS

NHG

Neighborhood Groups• 250,000+ NHGs• 39 lakh (3.9 million) members• 2013

o Special thrust to increase coverageo Special-need NHGs

Area Development Society• 19,000+ ADS

Community Development Society• 1043 local bodies

o 65 Urbano 978 Rural

• 1072 CDS

Supporting Structures

CDS

ADS

NHG

State Mission• Executive Vice Chairman (IAS)• Executive Director (IAS)• Director (A&F)• Admin, Finance and supporting Officers• Program Officers• Subject Matter Consultants

LSGD

District Missions• District Mission Coordinator• Assistant DMC• Subject Matter ConsultantsCommunity Resource Persons• Micro Enterprise Consultants• Trainers• Auditors• Sector-wise Resource Persons

Chairman - Minister, LSGVice Chairman – Principal Secretary, LSGGoverning BodyExecutive Committee

Kudumbashree – PRI Convergence

CDS

ADS

NHGNeighborhood Groups• Active participation in Gramasabha• Implementing agency for many LG

programs

Area Development Society• Ward councilor is the patron

Community Development Society• Member secretary – a government official• Evaluation Committee• Provides anti-poverty component of

annual plan• Contributor to the women’s component

plan and local economic development plan

Micro Finance• NHG act as thrift & credit societies• Facilitate savings at door-step• Group (NHG) decides on the minimum weekly• Internal Loan Limit : 80%• Bank Grading after 6 months• Linked Loans• Kudumbashree Support

§ Matching Grant§ Interest Subsidy Scheme§ Auditing through Kudumbashree Audit and Accounts Service Society (KAASS)§ Digitalized Monitoring and Repayment Information System§ Community Monitoring - MF Subcommittee, Internal Auditing§ Financial Literacy Campaigns§ CDS Accountants§ Banking Resource Persons (Rtd. Bank officials)§ Bank Mithra - Counter clerk at Bank Branch Back

Micro FinanceAs of 1-May-2013Total Thrift : Rs. 1,707 croreInternal Loans : Rs. 7,130 croreLinkage Loans : Rs .1,575 crore

Back

ProgrammesEconomic

Empowerment

Collective FarmingMicro EnterprisesMarket

Development

Social Empowerment

AsrayaBalasabhaBUDS SchoolTribal special

project

Women’Empowerment

Gender Self Learning Programme

Nirbhaya

Asraya• Destitute (family) rehabilitation• NHG identifies potential beneficiaries• Verification & plan preparation by local body• Approved funds transferred upfront• Spending progress monitored through MIS• 98.5% local bodies have Ashraya projects• Mandatory component of plan from 2013-14

Asraya – MIS Screens

Balasabha• A tiered network of Children• Small Learning Groups for experimental

and systematic learning• Thrust on overall development of

children• Right based approach• Meena’s World weekly Radio Program

As of 1-May-2013Total Balasabha : 35,000+Balasabha Members : 364,000+

A “bala” parliament in session

Science is fun !

Craft & Nature

BUDS School• Mentally challenged children• Interventions – from basic life skills to vocational

training– medical attention– physical and mental therapy– mobility equipment– hearing aids– individual vocational and educational training and skills– transport– food– language training

• Local Self Government owned schools – sponsorship, community/ parent management support

• Health, Social welfare department interface• 52 schools at present

BUDS School

Tribal Special Projects• Initiative in collaboration with the Tribal department• Primarily targets at bringing the marginalized tribals

under the aegis of the Kudumbashree network and provide them with facilities which were otherwise less accessible or denied

• Micro finance and Micro enterprise activities are given special attention– Encouragement of tribal participation in the MNREGS

activities– Formation of special Ashraya projects– provision of supplementary food for the malnourished

aged, infants and adolescent girls– formation of ST Balasabhas

Gender Self Learning Programme• Innovative concept introduced in 2007 • Capacitating the women to understand the existing

patriarchal systems – Encourage discussion in NHG beyond thrift and credit– Participatory module formulation- life experiences of

women as base.– Women’s space in development – blocks and constraints

experienced– Resource persons at State/ District/ Block/ Panchayat level

for module preparation and information dissemination– One Resource person per NHG

• 2013 – Digitization and analysis of “Life Experiences”• Gender portal for sharing consolidated views

(www.sreesakthi.org)

Nirbhaya• Programme of Government of Kerala to prevent sexual violence

against women and children• Implementing through Social Welfare Department• Kudumbashree – implementing agency at grass root level• Piloting in selected 77 Panchayats from all 14 districts.• Official launching in October 2011• Features of the programme

– Strengthening of Jagratha Samithi– Free legal advocacy by LSGs integrating the programme in Plan fund– School oriented counseling and adolescent health programmes with

the support of education department– Trainings and orientation workshops through ICDS supervisors, ASHA

workers & Anganwadi workers by Health department– Capacity building of CBOs- to address gender disparities, awareness

about violence against women & children, rights about women & children

– 2013 : Crime Mapping across the state

Collective Farming• Leased Land Farming – 2006• Collective Farming – 2010• Joint Liability Group (JLG)– 4 -10 members– Minimum area of 50 cents to a maximum of 5 hectares– Maximum of 3 plots

• Support from Kudumbashree– Trainings– Area incentive– Production incentive– Interest subsidy

. . . Collective FarmingAs of 1-May-2013Total Area : 13,000 hectaresNo. of JLGs : 54,000No. of women : 285,000+Major Crops : Banana

Tapioca(Cassava)VegetablesPaddy

Pineapples of Ernakulam

Rice from Palakkad

Vegetables from Thrissur

More Vegetables

Training on Coconut climbing

Even mechanised farming

Micro Enterprises (ME)

• Rural Micro Enterprise Scheme (RME) • Yuvashree programme for youth (Gender

neutral)• Seasonal enterprises (festival focus)• 50,000 plus micro enterprises created• Annual financial turnover range

Rs 12,000 to Rs 25 lakhs (2.5 mil)

ME - Areas

• Animal husbandry• Food processing• Manufacture• Services• Responsible tourism• Solid Waste Management• Canteen and Catering service• Santwanam(paramedic services)

ME - Handicrafts

ME – Animal Husbandry

ME – Tailoring & Leather

ME – Env. friendly Bags

ME - Pottery

ME – Laundry

ME - Catering

Special ME - Santwanam

ME – Cultural

Back

ME - Marketing

• Monthly market• Weekly market• Seasonal market• Home Shop• 2012 – Chaarutha : curio product range• 2013 – 24 x 7 markets, including e-shop

Photos

Photos

Photos

Service Area Group Name DetailsAuditing KAASS Kudumbashree Auditing &

Accounting Services Society

Training – General EKSAAT, AWAKE

Education Knowledge Skill Aptitude and Training

Training – Micro Enterprises

MEC Micro Enterprise Consultants

Training – Food Service

AIFRHM Adebha Institute for Food Research and Hospitality Management

Management MIS From State Mission

Enabling Structures

Nodal Agency

• State Rural Livelihoods Mission under NRLM• State Urban Development Agency for urban

poverty alleviation programmes• National Resource Organization under NRLM– Support to States for implementation of best

practices• PRI-CBO Convergence• Micro Enterprise Consultants

– Providing support to BRLPS since January 2013

Thank You!