study of shgs of persons with disability in anantpur

8/8/2019 Study of SHGs of Persons With Disability in Anantpur

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Study of SHGs of Persons with

Disability in Anantpur district

Based on visit in three Mandals-Parigi, Gorantlaand Madaksira

15-11-2010 to 18-11-2010

Submitted by-

Prabhat Kumar

Sumit Chandra


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Introduction:

Anantpur district has selected for disable activities in the year 2004. At first phase, 5

mandals have selected for this activity in the year 2004 and in second phase, 5 more mandals

added for this activity to address the problems of Disable people though linking them with

different government scheme and provide micro credit for income generation activities to

eradicate poverty among them.

A three days field visit was organized in this district by two members team to understand the

on-going activities, gaps and remaining problems which yet to be addressed. Three Mandals

were selected- Parigi and Gorantala which had started this activity in 2004 and other

Madakashira which had started this activity in the year 2008. Purpose behind selecting old

and new mandals was to understand the impact of this project for addressing the needs of the

disable people.

Objectives:

To understand the difficulties which are faced by people with disability.

To understand the ongoing activities of IKP and its effectiveness to solve theproblems of Disable people.

To find out challenges before the ongoing process which yet to be addressed by

project.

Methodology:

To understand dynamics of the life of disable people, study was conducted at village level.

Three days Information was collected through direct interaction with Project staff at different

levels, beneficiaries and office bearer (OB) of ZVS, MVS and VAS. To understand ground

level impact of this project, team had interaction with beneficiaries at their door step indifferent villages. To understand activity which is address by SADAREM camp, team has

interacted with beneficiaries and doctors team. Team has gone through different records

which are maintained by staff at different level to ensure the quality of information.

List of selected VAS in 3 mandals ofAnantpur:

Mandal Gram Panchayat VAS name

Parigi Kodiginahalli Balaji

Kranthi

Mother Teresa

Gorantala

Gorantala Chanakeswa

Sai Raghvendra

Malasamundram Mother Teresa

Madakashira Madakashira C. Venketashwara Swami

Bullasamudram Sri Shivaji


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Findings of the study:

Our study is based on the discussion with VAS members and project staff. Throughout this

study we got to know the problems which are encountered by disable people and IKP

interventions to address those problems. Here is the list of factors influencing the life of

disable people and their respective solutions by the project -

Factors Sub-factors Problems which are

faced by Disable Person

IKP Activities to

address those

problems

Social

Social exclusion Social needs of person

neglected by society, self

imposed exclusion( avoiding

interaction with people)

To organise them in

VAS, MVS and ZVS.

Education Lack of proper attentionfrom parents, educational

institutions, society and by

disable person itself

Neighbourhood center(NHC), NRBC and other

activities to solve these

problems.

Day-to-day

activities

There is no such effective

process to teach them certain

activities and dependency on

others.

Neighbourhood center

(NHC), NRBC and other

activities to solve these

problems.

Entertainment Limited day-to-day activities

use to keep them away from

social interaction

NHC, Kalajatha teams,

December 1- functions to

promote entertainmentactivities.

Risk at work No safety guidelines or

support provided to them at

work place

Health insurance scheme

like Janashree and

Niramaya.

Encouragement Poor encouragement from

society.

Encouragement from

CBO has create respect

both in family and society

Self-motivation Parents and society mostly

failed to generate faith in

their own capacity since

childhood

Through Institution

building, NHC, NRBC

support and collective

efforts have created self

confidence.

Voice Platform to discuss their

problems were less.

VAS, MVS and ZVS

from village to district

level has helped them to

raise their voice


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Knowledge

sharing

People attitude divides them

from society and keep them

alone

Platform like VAS, MVS

and ZVS meeting has

helped.

Marriage Due to limited livelihood

options and other constraints

unable to find life partner

Marriage incentive and

promotion through CBO.

Talent

development

There was no specific

Platform to develop and

show their talent

Kalajatha team, Early

identification of children

and different support

mechanism and activities

On World disability day

promoting their talent.

Economic

Family condition Poverty, family size, type of

livelihood (daily, monthly,

seasonal), dependency

Micro-credit, job-mela,

EGMM etc

Credit support Notion that disable peopleare unbankable

A

vailability of microcredit through bank

MVS, SHG own fund,

and pensions

Source of income Dependency on other family

members

Availability of micro-

credit for income

generation activities and

pension

Employment

opportunities

Lack of opportunities

keeping in view their special

needs

Proper education,

scholarship and

livelihood information

through CBO like Job

Mela, training

programme has created

opportunity

Asset ownership Deprived from parent

property, land and

partnership

CBO has create

awareness

Poor capital base Less options to decide their

own fate

Micro-credit activities

has helped to create

income generation

activities and capital

Poor health

services

Limited information about

health services, attitude of

doctors, and price of

medicines was a hindrance.

Nutrition food, Linking

with hospitals, services of

Health professionals and

financial support from

MVS has bring change.


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HealthServices

Risk of life Simple health problems also

aggravated due to pre-

existing complexities

Insurance, health

services, and financial

support from CBO.

Aids and

appliances

Availability, maintenance,

and exchange was difficult

Availability on the basis

of disability certificate

and applicationHealth

expenditure

Low income of family,

costly doctor fee, high

operation and medicines

cost

Providing support from

different government

schemes.

Certificate Delay in approval,

commission of middlemen,

acceptability by others

Scheme to provide

certificate (SADAREM),

bus and train pass to all

Insurance Insurance companies are

reluctant to provide full

coverage

Availability of Janashree

and Niramaya

Political

Lack of political

attention

No political representative

has shown interest to their

problems

CBO has helped to get

political attention

Irregularities in

Government

facilities

health camps, aids and

appliances, operation

facilities remains neglected

affair for disable people

With the help of CBO

members are organising

and utilising services

Unorganised

communities

Till now a common voice

against biased treatment

never came by this section

VAS, MVS and ZVS

have organised members

Technology

Lack of

availability

Rural areas are still

untouched from better

agricultural implementations

technology, purified water,

ICT, media & television.

CBO has provide credit

and other support to

reduce unit cost of

technology

Affordability Still technology is out of

reach for poor differently

abled people due to

exclusion

With the help of CBOs

economies of scale can be

achieved

Regular interaction with

community has helped toimprove awareness

Familiarity withtechnical

appliances

Illiteracy, low Englishknowledge, own disability,

low social interaction

mainly responsible

Poor awareness

about rights

(Property, food,

employment, etc.)

In contrast to city dweller, a

person with disability in

village is forced to keep

quiet against deprivation due

Through CBO activities

and regular discussion on

different issues in

meetings


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Legal

to less information and lack

of public support

Guidelines In Govt guidelines on

various issues, concessional

provisions for differentlyabled people are neglected

SERP has address their

problems but yet need to

practice

Right to access

services

In case of denial, delay or

low quality service there is

no desk where people can

get justice soon

Continuous effort

needed

Throughout our interaction with disable CBO we have experienced, this project has created

tremendous change in the life of the differently-able people. Mostly disable peoples were

from POP and poor sections of the society. Their source of income of the family was

dependent on daily wage and it used to vary from month to month up to availability of work

and seasonality. Illiteracy among this community was high.

Member information:

Disability status among members:

VAS Members Disability

Male Female MR PH VI SH

Balaji 8 7 NA NA NA NA

Kranthi 4 10 NA NA NA NA

Mother Teresa 6 6 NA NA NA NA

Chanakeswa 6 3 3 4 2 0

Sai Raghvendra 2 7 1 6 2 0

Mother Teresa 4 7 2 5 1 3

C. Venketashwara Swami 8 2 1 4 3 2

Sri Siva Ji 6 4 1 8 0 1

Turnaround brought by the collective efforts-

a. Social-

There was a time when person with disability was excluded from society. Their contribution

among the society was limited. But intervention through IKP has changed this myth and it

has organised them in the form of VAS, MVS and ZVS. This community based organisation

has helped them to start saving, organise weekly and monthly meeting from village to District

level and share different issues, problems and appropriate solution. Proper help from micro-


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credit has helped them to do future planning and involve themselves into income generation

activities. The incidents of people calling them with their disability, has stopped after this

social change. Now member of VAS are considered into mainstream of the society.

To entertain and create awareness in the community Kalajatha team organise programme at

village. On World disability day, programmes are organised every year to encourage talent of

person with disability.

b. Microcredit:General and loan information of VAS:

VAS Inception No. of

Members

Meetings Monthly

savings

No. of

BL

No. of

CIF

Balaji 5/4/2008 15 Weekly 100 1 2

Kranthi 2/2/2008 14 Weekly 100 2 1Mother Teresa 2/6/2004 12 Weekly 100 2 2

Chanakeswa 2007 9 Weekly 25 2 1

Sai Raghvendra 3/11/2008 10 Weekly 40 1 0

Mother Teresa 6/2/2004 11 Weekly 25 1 2

C. Venketashwara

Swami

17/2/2008 10 Weekly 100 1 0

Sri Siva Ji 2007 10 Monthly 25 4 1

Status of Bank linkage was good in all three Mandals.A

ll the VA

S has got micro-crediteither from Bank or CIF. Groups are able to get next linkage within 10 days after completing

last linkage. Average Bank linkage number was 2 (approximately 1.75) in all studied V AS

with maximum loan amount C3.00 lakh. Similarly, Community Investment fund (CIF)

utilisation was also good. All the studied VAS has maintain regular saving and repayment of

loan.

c. Education Center:For spreading awareness among less privileged children those who are not able to attend

regular school, IKP has introduced Neighbourhood center (NHC) and NRBC (with the help

of Serve Sikasha Abhiyan). Here not only they are learning life skills but also improving theirhealth status through nutrition food and physical activity.

We met MR children Maruthi in Parigi Mandal who was going to NHC. But due to scarcity

of fund their center closed from last 2 weeks. According his sister, she found significant

improvement in his behaviour after attending NHC. Unfortunately in Gorantla and Parigi

Mandal NHC is also closed in last few days due to scarcity of fund as only administrative

fund is available. The project is finding difficult to arrange Rs 14000 as transportation cost


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per month for beneficiaries. The playing and physical exercise appliances are closed in MS

room. In Gorantla Mandal due to lack of storage space, whole material is kept into a small

room where rain water leakage is damaging the materials.

d. Economic:Previously when they were not organised, their credit source was limited. They have nocommunity saving and micro-credit was also limited due to several reasons as bank and other

sources use to consider them unbankable. But now the situation has changed. VAS has own

bank account and they are getting credit support from VAS, Bank and CIF. This credit

support has given new way of thinking about future planning and it has also helped them to

create employment opportunities.

e. Health services:In our country, health service is the big problem from over the years. This problem is more

complicated for vulnerable class of the society. Due to poverty they can not bear the cost of

private hospitals. Due to these reasons most of persons which has curable disease was forcedto live disable entire their life. They were unable to get support which was offered by

government and others were taking benefit.

Through intervention of this project, it has helped them to get certificate and other support.

To reach the beneficiary government has organised SADAREM camp to access disable in

three phases. Presently through Phase-I, they are assessing pension holders amount up to

C500. This is the following chart as on (01/04/2010 to 15/11/2010):

Totalno

.

of

Disabled

pen

sioners

No

.

ofperson

assesse

d

Certificates Issued Rejected Status

Ortho Visual

Hearing

MR MI MD Total

Direct

Rejected

Assessed

&

Rejected

Total

rejected

55830 28554 15855 3160 4128 3876 245 0 27264 1290 3816 5106

This SADAREM camp has helped to assess disable person and provide certificate according

to their disability percentage for life time. This camp also helped to find person who needs

surgery and after that they will start living normal life. Through this camp, doctor team has

found many forgery cases also where people has produced fake certficates.

Other processes are also in practice to solve the problem of disability or reduce the impact.

Kalajatha team is giving message of healthy life through cultural activities at village level.

Early Identification of Disable children help to provide appropriate health services. On

necessity basis, project is helping to provide support like- nutrition food, Aids and

Appliances, health services, insurance (Janashree and Nirmana) and other financial support to

improve the life of differently-able people.


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Conclusion:

Over the years effort, IKP has address key issues. Project is providing sustainable growth

with positive change. It has shown success in bringing tremendous change in perception of

people towards disability and disable person. Confidence among the Disable has helped them

to indulge in several activities to strengthen their life. Through inclusion of disable people

into CBOs, efforts had provided strength to whole community as it has brought a deprivedsection of community into the mainstream.

Issues related with On-going programmes:

1. Bank linkage:

a. Banks are creating problem to provide Bank linkage to VAS member below 18

years age because of not availability of supporting guideline. There is a need to

prepare guideline (according to present problem in Gorantal and Madakasira

mandals).

b. Some of Banks are taking 1% Fixed Deposit of total loan amount (Medakasira

mandal).

c. In Parigi and Gorantla mandals, APGB is creating problem for getting loan in case

of VAS has less than 10 members.

d. Syndicate bank is not providing loan pass book to the groups.

e. Difficulty to get pension on time from Panchayat, sometimes rude behaviour of

Panchayat members

2. Neighbourhood center of 5 mandals (started in year 2008-09) were not functioning

due to scarcity of fund. As per the discussion with DPM-Disability, only

administrative fund is available. But disable children from distant villages are not able

to come because of travelling cost and wage-loss of caretaker.

3. NRBC was running with the fund of Serva Shiksha Abhiyan (SSA) in 2008-09 but

last one year (2009-10), there was no fund from SSA to run this center. At present

SSA is offering Educational Inclusion Programme, under it NRBC can be linked

with Mandal Education officer to get place in government school and other

administrative cost under this scheme.

4. Effective medical support: Differently-able people require regular health check-up,

treatment, doctors advice and medicine support. For these activities, attitude of

medical staff and sensitisation of project staff is required.

Suggested plan:

y Skill development Programmes: Presently qualified differently-able people are

participating in EGMM and job Mela and getting job as per their skill. Apart from it

we can add some other small entrepreneur development programmes to help them for

better utilisation of micro-credit. These are the following activities-

a. Agricultural Entrepreneurship development- Agricultural and allied activities


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- Animal husbandry

- Poultry etc,

b. Product Entrepreneurship Development- Food Processing & Bakery Products

- Agarbatti making

-

Soft toy making- Dress Designing

- Handicrafts Manufacturing

- Paper Cover, Bag, Envelop & File Making, rope making, etc.

c. Process Entrepreneurship Development- Two Wheeler Servicing

- Domestic Electrical Appliance Repairing, etc.

d. Business Management- How to identify a business?

- Required skill for opening of petty shop, vegetable shop, juice corner, tea

shop, chicken & meat shop and other activities.

- Required skill for on-going business, etc.


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C t t

Name: K. Satyacharana

Age: 18

Family members: 5Education: 11

thclass

Exposure to outside world: Visited Anantpur twice

House: Pukka house (provided under IAY)

K. Sat acharan li wit h hi parent in B llasamundram vil lage of Madakshira

Manda l of Anant pur district. He is youngest among three brothers. In his

chil dhood both of his legs para lyzed due to po li o. Later due to post effect of

po li o bo th of his hand is showing weakness.

Due to effort of his parents he has completed 10th from village school. In school he wasalone because of unable to walk. Compare to other friend he was taking more time to rich

school. Some times with the hel p of parents and other time lonely he was going to school

through sloppy land. In school students use to call

him by his disability rather than his name. In such

severe situation also he didnt stop going to school.

1st

December, 2009 he got tricycle with hel p of

M S. It has hel ped for movement within the

village. But due to weak arms he cant push tricycle

on his own for long distance. In rainy days and

sloppy land he always needs one person to assist

him. College is 6 KMs away from village and it

needs to go by bus or auto but due to travelling

problem he is unable to go regularly.

Livelihoods of the family:

His family doesnt have land to cultivate so they are working

as agriculture labour in others field. Agriculture work

contributes major portion of the livelihood and income from

NR GS contribute 2nd

position. His brothers are unemployed

and forced to work as a labour. He is getting `500/ pension per

month. In 9th

class, he got scholarshi p but in 10th

he didnt

received.

Assets:

1. Agriculture wagelabour

2. NREGS works3. Monthly pension4. Scholarship5. Milch Animal


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Pucca house from I A Y.

One milch animal

Utilisation of Microcredit It has utilised for purchasing of Milching animal,

Medicine, education and consumption purpose of family.

Government schemes:

Membership in institutions :

He is a member of Sri shiva ji VAS in Madaksira MVS. Group has 10 members. It hasincepted 3 years back. VAS has supported to get loans for his family. It has helped to

improve credibility in family.

Socio- economical and political benefit of VAS:

1. Social: VAS is a platform of sharing knowledge and skills. It has brought confidence

among members to come out their homes and understand the outside world.

Previously members were calling him by his disability but after the membership of

VAS, people are calling him by his name. It has also helped to increasing social status

by interacting IKP functionaries.

2. Economical: Microcredit is the major benefit he got from VAS. Previously due to

poverty and disability he and his family were unable to get credit support but now he

is able to get.

3. Political Benefit: Previously disable pensioners were facing irregularity but not it has

changed. Leaders also start to give respect to organized community. Now being the

member of VAS, they are getting call from Panchayat.

S.No From When How much Satisfaction

level

Pension 7 month before Rs500/- per

month

Need more help

PDS Through white

card

30 kg per

month

2 lit kerosene

Satisfied

Subsidised electricity Rs. 60 permonth

satisfied

Drinking water Last year Public tap satisfied

Others Insurance

scheme

Same as JBY Satisfied


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Comparatives analysis of condit ion before and after joining SHG:

Before joining SHG After joining SHG

He dont have any saving mechanism.

No source of loan on his own

Parents used to borrow at high interest

rate

Family only depend on Agriculture

labour.

He doesnt have any voice in society.

He never invests for insuring his life.

Limited place to go

Saving at VAS

Now he has credit source with low interest

rate.

Low interest rate with subsidy

Pension has added one more income

source

Now he can present his views in front of

group members and government officials.

He use to attained VAS meeting and other

activities at MVS.

Futu re plans

Satyacharan is doing 10+2 in commerce. He wants to complete his study like others. He hasconfidence that his grit will bring good results for him.

Case study 2- Maruthi and his sister


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(Parigi mandal is one of the best performing Mandal in disability component. We came across several

exemplary field staff and people with determination who have challenged their disability. Maruthi and his sister

is one of such cases)

In trod ction:

Kodiginahalliis a small village in ParigiMandal. Under poverty alleviation initiatives of IKPthree VAS were formed in village. Maruthiis member of one such VAS named- Balaji. He is

12 year old and mentally retarded. He lives with

his mother and sister. His sister Anusuya is 18

year old. He lost his father 12 years ago before

of heart problem.

Famil Assets: Family dont have own land

and house. They live in a rented house by

paying Rs.500 monthly charge.

Income of the famil :

His mother is

daily wage

earner in

agriculture

and mason activities. She is also enrolled as wage labour

in MNR GS. His sister is working in Neighbourhood

center as Aaya with monthly salary ofC500/-.

Role of Nei hbourhood Center (NHC):

Maruthi has mental disorder since his childhood. Atthe age of 6 years, he started walking. In

the year 2009, he joined NHC atPerigi Mandal. It is 5 km from his village. He is getting

company of his sisterto go school and she is hisbest friend. She explained how afterjoining

NHC behaviour ofMaruthi has improved and he is able to perform his daily activities. Every

morning he eagerly wait for NHC auto which used to pick him up from his house.

Hope ofRay with NHC:

Last weekthe NHC has been closed due to some reason and auto has stopped coming to his

village but like previous week prepares for NHC school time. He regularly askshis mother

and sister- why auto is not coming and I am not going to school. His sister has also lost her

job and monthly income.

Like Maruthithere are many differently disabled children who have ray of hope with NHC.

Shut down of centeris affecting the hope of both children and their parents. Parents are not

able to send their children due to transportation difficulties and its cost and loss of wage. But

stillthey are asking when schoolis going to open?

Agriculture wage

NREGS works

Monthly pension

Sister working as Aaya in

Neighborhood center


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study of shgs of persons with disability in anantpur

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