Chapter VILivelihood Promotion by SEWA 14Case Study 6 :SEWAaims at fullemployment ofpoor women− assuredwork, income,food and socialsecurity (includinghealthcare,child care andshelter).Self Employed Women’s Association (SEWA) is a labour union of women engaged in the informal sectorin rural and urban areas since the last 30 years. SEWA aims at full employment of poor women − assuredwork, income, food and social security (including healthcare, child care and shelter). Based in Gujarat, itworks with nine partner organisations in seven other states v . SEWA Gujarat’s membership as of January<strong>2008</strong> is 551,764 women, of which 62 per cent are from rural areas, and 38 per cent are urban. While allof SEWA’s members belong to the SEWA union, many also belong to other membership-based organisationsestablished by SEWA such as SEWA bank, SEWA cooperatives vi , SEWA Cooperative Federationand rural member-based organisations such as producer groups, SHGs, SEWA district associations viiand SEWA marketing organisations such as Gram Mahila Haat and SEWA Trade Facilitation Centre.There are different sister organisations of SEWA that provide various services to members and to takeinitiatives for policy advocacy.SEWA’s approach to building livelihoods is encouraging as well as challenging to replicate. There are nopre-determined set of deliverables or rigid framework. At the same time there is absolute clarity thatthe aim is to secure full employment for SEWA members. (Also see Box 6.1)Some key initiativesSEWA’s model of livelihood promotion has four pillars which contribute to higher income for the members– a four-level training for members, microfinance services, marketing services and support servicesfor social security. ix In urban Ahmedabad, SEWA organises its members into trade groups which fightfor the rights of members and enable policy changes at the state, national and international level.SEWA rural presently works with poor women engaged in the following occupations – agriculture, saltfarming, weaving, non-timber forest produce and craft. For example, SEWA set up one of its first childcare centres in the salt pans of Surendranagar in 1992, building first a platform of credibility and trustamong the salt workers and then launched the institutional drive through savings groups. The periodfrom 2000 to 2001, the three important pillars – credit (for working capital), marketing linkages (tie-upwith Gujarat Alkalies and Chemicals Limited) and technical training for producing industrial salt – werebuilt. The access to working capital from SEWA Bank and the marketing tie-ups freed them from theclutches of traders. SEWA’s financial and marketing services have produced dramatic results with thesehouseholds rising above poverty.Craft in Banaskantha: SEWA’s objective in Patan was to provide the rural craftswoman with a market.Trainings went hand-in-hand with market-linkages. Savings groups and credit for asset building werestarted around the same time. Successive disasters in subsequent years – cyclone, drought and earthquake– resulted in craft being the only source of livelihood for the women in Banaskantha and Kutch andsubsequently SEWA’s artisan base burgeoned to nearly 15,000. The challenge before SEWA was to providework to thousands of these artisans. To achieve this, SEWA realised that it had to convert the economicdevelopment programme into a business organisation and compete in the mainstream market.SEWA Trade Facilitation Centre: In 2003, the SEWA Trade Facilitation Centre (STFC) x was initiatedin Ahmedabad as a Section 25 company, where the artisans themselves are the suppliers and shareholders− 15,000 member artisans are also the shareholders of STFC. It plays a facilitator role by providinga whole range of business development inputs ranging from market readiness, market linkages, market14214Case developed by Girija Srinivasan on the basis of discussions with Ms. Reema Nanavaty, Rural Co ordinator, SEWA and her paper “LivelihoodFinance – SEWA’s experience” which she made available for this work. To condense SEWA’s experience in a case would have been very difficultbut for this support from her.
Civil Society Initiativesintelligence, product development, quality standardisation, R&D, information systems, access to capitaland state-of-the-art technology to its member-producers to help them become ‘market ready’.STFC has evolved a multifaceted marketing strategy – retail marketing for meeting both local and urbanneeds, exhibitions in cities, wholesale marketing to bulk buyers from other countries, e-marketing throughthe STFC portal and supplying to retail chains like Fabindia. Currently in its sixth year of operations,STFC has realised Rs 1.3 crore in sales revenue, of which 65 per cent is paid to about 3,500 artisans.Agriculture commodity marketing and Rudi: SEWA, from its experience of organising small andmarginal farmers, realised that they lack access to markets for quality products for consumption, resultingin ill health and malnutrition. Often the farmers couldn’t consume what they produced because of thelack of storage space and the need for converting the produce to cash. GRAM Haat xi enabled the settingup of a processing and packaging centre and four selling centres in Sabarkantha. Presently 3,963 SHGscovering about 45,000 small and marginal farmers supply their produce. In 2004, Gram Haat establishedRudi xii as its brand for the products. Around 1,200 SEWA members have been trained as saleswomenin the villages, popularly referred to as ‘Rudiben’. Rudi products are also sold to institutional buyers likehostels, hospitals and government midday schemes, and SEWA’s Krushi bazaar as well. The turnover isabout Rs 2 crore a year and the target is to reach Rs 5 crore in the next five years. Nearly 90 per cent ofthe amount goes back to the village community and 10 per cent towards administration expenses.Apart from Rudi, the Gram haat forges marketing tie-ups between the producer groups and the corporatesector like ITC and Giant Oil Corporation. A public limited company Jeevika is being launched toundertake marketing of farmers’ produce and in future Gram Haat will manage production and qualityassurance.Over the years, SEWA’s interventions have helped in cost reduction in inputs, improved productivityand net income realisation from the produce whether it is the farm or non-farm sector. Farmers are alsobeing given training in futures trading. This will facilitate the members in changing the crop pattern onthe basis of future prices of the commodities.ChallengesAccording to SEWA 1 , the key challenges are access to global markets and paucity of facilitating institutionsto support the producer groups. “Microfinance alone cannot generate sustained employment norreduce poverty. The women producers need uninterrupted access to trade in larger markets to raise theirincome. They need access to adequate capital, suitable market links and better terms of trade. Theyneed to build up more organisational and managerial capacities to run their businesses profitably andtrade firmly and more importantly enabling policies. Today, there is a total absence of such institutionsthat serve the professional needs of the poor,” says the organisation.Over the years,SEWA’sinterventionshave helped incost reductionin inputs,improvedproductivityand net incomerealisation fromthe produce.Case Study 7 :SIFFS Model of Livelihood Financing 15SIFFS (South Indian Federation of Fishermen Societies) is a large network of fishermen’s organisationsand currently operates in the states of Kerala and Tamil Nadu and the Union Territory of Pondicherry.It is in the process of establishing its operations in the state of Andhra Pradesh. SIFFS has an approximateclient base of 10,121 fishermen, who are members of about 266 primary societies attached to the15Case developed by Ramesh S Arunachalam. This case uses material from Arunachalam Ramesh S et al (<strong>2008</strong>) cited below and several other studiesdone by Ramesh S Arunachalam for SIFFS. Other resources including several informal notes and papers from SIFFS and Shri Vivekanandan,Former CEO of SIFFS, are also gratefully acknowledged. All of these resources are cited from Arunachalam, Ramesh S et al (<strong>2008</strong>), “EnhancingFinancial <strong>Services</strong> Flow to Small Scale Marine Fisheries Sector: A Study for FAO/UNTRS”, FAO/UNTRS Publication143
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Chapter Iresponse, risks and shocks
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Mona DikshitMona Dikshit has been a