Microfinance in BISWA and Mission Shakti

1. Microfinance in BISWA and Mission Shakti Bibhu Prasad Mohanty Director-Operations, BISWA Consultant-Mission Shakti

2. BISWA • Bharat Integrated Social Welfare Agency –BISWA, a very active NGO with MF practice vigorously present in Orissa, Jharkhand, Chhattisgarh, Bihar. It has branches in 14 states of India • It has got MF portfolio of more than Rs.450 crores • It is linked with several Govt funded development projects across the country mostly on Education, Health, HIV/AIDS, Water & Sanitation, Conservation of Natural resources, Women Development, Forestation development, River basin management, Pollution control and environment, Child right , Organic farming, shelters for underserved and victims of social problems etc

3. BISWA • All the projects aim to raise the status of the serving community where they can be bale to make use of own endowment and have access to adequate financial resources where BISWA facilitates microfinance services.

4. Program areas of BISWA • Microfinance • Microenterprise • Micro-Insurance • Micro Marketing (Cross Marketing) • Social Development

5. Micro Insurance Life , Health, Assets and Accident Business Development Services at SHGs level

6. Single Window Services Micro Enterprise Microfinance Self Help Group Social Development Micro Insurance Marketing of SHGs Product

7. Growth of BISWA

10. Loan Officer status of BISWA

12. Empowerment of WSHG FederationMission Shakti Initiative

13. FLOW CHART OF MISSION SHAKTI PROGRAMME MVSN: Mahila Vikas Samabaya Nigam MVSN Mission Shakti Directorate Active persons-Staff Members of MVSN and a cell of Consultants District level Federations TIER – III Active persons-Federation Leaders Key Persons facilitating: Collector, DSWO, LDM Block level Federations TIER – II Active persons-Federation Leaders Subject Matter Specialists Key Persons Facilitating: BDO, CDPO, Mission Shakti Coordinator, Banker, NGOs Panchayat level Federations TIER – I Active persons-Federation Leaders Key Persons: Facilitator/ Shakti Sahayika Key Person : WSHG Leader WSHGs

15. District Level Organizational Arrangement DLF DLF DLF DLF DLF DLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF BLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF GPLF SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs SHGs District level Federation- DLF Block level Federation- BLF GP Level Federation- GPLF Self Help Group- SHG

16. District Social Welfare Officer Child Development Project Officer (CDPO) of ICDS Project at Block Level CDPO CDPO CDPO Subject Matter Specialists Livelihood Subject Matter Specialists Microfinance Mission Shakti Coordinator Mission Shakti Coordinator acts as Executive Officer of Block level Federation Multipurpose Worker

18. Pre-conditions to form a Federation • Strong SHGs in place. • Should have interest to establish a federation. • Records / files are kept in place at SHGs. • SHGs should have developed a system of conducting regular review and planning meetings of their activities. • SHGs should run effectively for at least one year. • They should have a feeling of making a larger identity to solve several problems they face in day to day life

19. Steps to form Federation • Identification of area or block (it should be within 5-7 km radius). • Meeting called under the guidance of CDPO at block level • Discussion on relevance of forming block level and panchayat level federations. • Sharing of SHG experience – achievements / failures, conflicts, disappointments etc • Facilitating cross learning or group to group learning / support • Strong and selected representative of SHGs emerge from the process and meet few times and share their experience and constitute the bye law etc • Membership rules and regulation for federation decided and Federation is formed and registered under the guidance of DSWO and CDPO

20. Size of Membership and types of Federation • With a membership of not less than 10 and not more than 50 SHGs, and always ensure maximum participation of PWDs while keeping the size and scale of activities manageable. • Federations are also formed on basis of activity cluster • Ready to eat food production and supply • Leaf plate and cup production and supply • Minor forest producers • Kendujhari Phula Badi

21. Activities that federations undertake • Regular review of and reflection on SHG activities. • Strengthen SHGs through ideas, suggestions, exposure visits, audits, capacity building / training, etc. • Collection and dissemination relevant, useful, and interesting information to SHGs • Take up activities of benefit to member SHGs and communities. • Take up activities that strengthen the federations themselves • Make effort to solve the social maladies and patriarchal practices where women are victims

22. Key management features of WSHG Federations • Ensuring continuity of socio economic activities • Federation Meetings and consolidating efforts of SHGs • Enacting own Rules and regulations for effective management of various programmes of own and Govt. • Responsibility-sharing at different layers • Taking up activities like MDM, PDS, LPG gas distribution, Electricity bills collection, Pisciculture at Panchayat Tank, reviving community forest management activity, conservation of Biodiversity, production and distribution of RTE food materials

23. Key management features of WSHG Federations • Maintain books and documents • Appraisal, monitoring, and evaluation of activities • Grading of SHGs • Negotiating on behalf of Banks and Govt Depts. • Fundraising • Microfinance with SHGs • Micro-insurance recently started

27. Thanks to All……