Kudumbashree

2. Kudumbashree State Poverty Eradication Mission Kerala

3. Today, the bank officer calls me ‘madam’ !

4. 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

5. Understanding Kudumbashree • Community Development Society • Office bearers on ADSs in a local body* • 7 office bearers • Interfaces with local govt. • Area Development Society • Office bearers on NHGs in a ward • 7 office bearers • President • Secretary • 5 sector volunteer • Neighborhood Groups • 10 to 20 women; one from each family • 5 office bearers • Weekly thrift, min decided by NHG • Can undertake economic activities

6. Sizing Kudumbashree • Community Development Society • 1043 local bodies • 65 Urban • 978 Rural • 1072 CDS • Area Development Society • 19,000+ ADS • Neighborhood Groups • 250,000+ NHGs • 39 lakh (3.9 million) members • 2013 • Special thrust to increase coverage • Special-need NHGs

7. Supporting Structures • Chairman - Minister, LSG • Vice Chairman – Principal Secretary, LSG • Governing Body • Executive Committee LSGD • State Mission • Executive Vice Chairman (IAS) • Executive Director (IAS) • Director (A&F) • Admin, Finance and supporting Officers • Program Officers • Subject Matter Consultants • District Missions • District Mission Coordinator • Assistant DMC • Subject Matter Consultants • Community Resource Persons • Micro Enterprise Consultants • Trainers • Auditors • Sector-wise Resource Persons

8. Kudumbashree – PRI Convergence • 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 • Area Development Society • Ward councilor is the patron • Neighborhood Groups • Active participation in Gramasabha • Implementing agency for many LG programs

9. 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

10. Micro Finance Back

11. Programmes • Social Empowerment • Asraya • Balasabha • BUDS School • Tribal special project • Women’ • Empowerment • Gender Self Learning Programme • Nirbhaya • Economic Empowerment • Collective Farming • Micro Enterprises • Market Development

12. 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

13. Asraya – MIS Screens

14. 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

15. A “bala” parliament in session

16. Science is fun !

17. Craft & Nature

18. 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

19. BUDS School

20. 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

21. 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)

23. 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

24. 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

25. . . . Collective Farming

26. Pineapples of Ernakulam

27. Rice from Palakkad

28. Vegetables from Thrissur

29. More Vegetables

30. Training on Coconut climbing

31. Even mechanised farming

32. 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)

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

34. ME - Handicrafts

35. ME – Animal Husbandry

36. ME – Tailoring & Leather

37. ME – Env. friendly Bags

38. ME - Pottery

39. ME – Laundry

40. ME - Catering

41. Special ME - Santwanam

42. ME – Cultural Back

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

44. Photos

45. Photos

46. Photos

47. Enabling Structures

48. 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

49. Thank You!