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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
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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 ANDHRA PRADESH 1.09 crorewomen in 9.80 lakh S.H.Gs All Villages and 90% of rural poor covered Almost 50% population is covered Per group –Rs225000 in 2011-12 Accounts for 48% of the loan outstanding at All india level • 79 Lakh SHGs • 10 crore households • South India major share • 30% of the population covered • Per Group- Rs 122000 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 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: Isurancecover 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 • NHED • Regular training & health education • - Counseling at Growth monitoring
STHREE NIDHI • Community owned financial institution • Timely and adequate credit • Credit delivery in 48 hours • Focus on poor • Low cost credit delivery system
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