Chapter VIGroup-based microenterprise promotion: SKDRDP also promotes a number of individual and groupactivities. xviii The role of SKDRDP is to finance, train and assist the groups with their management andmarketing. Over 40,000 families from 3,000 groups have received assistance to start enterprises. Thegroups get the fixed assets usually under a government programme and access working capital throughtheir groups. The positive result of various microenterprises has encouraged SKDRDP to set up aseparate not-for-profit Section 25 company called SIRI specifically to provide marketing services, to thebusinesses groups. xix The total sales turnover of SIRI as of March 2007 was Rs 6.8 crore. The biggestbuyer of the goods is the temple itself and the millions of devotees it receives every year.Pragati Nidhi Microfinance Programme: SKDRDP’s Pragati Nidhi programme is the largestcommunity-based microfinance programme run by an NGO in India. SKDRDP is a financial intermediary,it borrows from banks in bulk and on-lends to the groups. The total loan that can be availed byan individual is Rs 1 lakh. The rate of interest to a member is 12 per cent which makes it one of thecheapest microfinance loans in India. Most of the loans are long-term – even up to 10 years − thusmaking weekly instalments small and easy to repay. As of March <strong>2008</strong>, nearly 6 lakh active borrowershave outstanding loans of Rs 320 crore. Nearly 70 per cent are women.Sampoorna Suraksha Microinsurance programme: SKDRDP’s realisation that the majority of thefamilies are highly vulnerable to unexpected shocks, which could quickly undo all their progress, led it tointroduce Sampoorna Suraksha. It is unique in that it covers not only hospital and other medical costsbut also a full range of other risks, including maternity expenses, loss of earnings during convalescence,funeral expenses, losses arising from floods and other natural calamities, damage to housing and standingcrops, and general accidents.Key features of the interventionsThe concept offarmers sharinglabour hasenabled the mento bond togetherand is centralto SKDRDP’ssuccess.The Pragathi Bandhu groups of SKDRDP are the only male-dominated SHGs in India. The conceptof farmers sharing labour has enabled the men to bond together and is central to SKDRDP’s success.However women’s groups now outnumber men’s groups in outreach and portfolio value. SKDRDPprovides a full range of livelihood assistance to these groups. The microfinance programme has beendesigned to reflect members’ needs - larger, longer-term and lower-cost loans - as compared to small,short term, high-interest loans prevailing in the sector. The groups have access to their own funds, fromlocal banks and from Pragathi Nidhi. Most of the groups however prefer to borrow from the Nidhibecause the terms are more liberal. Pragathi Nidhi is indeed livelihood financing with credit availablefor every conceivable purpose.ChallengesSKDRDP is now shifting its focus to agro-processing and non-farm activities, and to the growth ofwomen’s group enterprises. This involves marketing in competition with well-known brands and therehave been few examples anywhere of successful group-owned manufacturing businesses. SKDRDP istaking on a major challenge and needs to develop supply and marketing expertise in a variety of productlines. So far, the products made by groups have not faced any marketing challenges as there is a captivemarket, the devotees of the temple, but soon the production will grow beyond narrow markets.Labour-intensive production is good for the village women’s welfare, but it may not be competitive, andproducts which can more economically be made by machine may have to be dropped. Developing newremunerative enterprises for the women will be a challenge. Another challenge facing SKDRDP is thatof skilled human resource. The increasing exposure of SKDRDP to microenterprises demands highlyqualified human resource.146
Civil Society InitiativesCase Study 9Myrada 17Established in 1968, Myrada is an NGO involved in microcredit initiatives and sustainable developmentin the southern states of Karnataka, Andhra Pradesh and Tamil Nadu through 14 active projects. Theorganisation focuses on the building of appropriate peoples’ institutions rather than on the delivery ofgoods. 18There are three categories into which the livelihoods activities of the poor broadly fall in Myrada’s experience:i) farm (agriculture); ii) on farm (includes activities around the farm which are direct sources ofincome like animal husbandry and poultry, but increasingly - since the late ‘90s - vermicompost and otherorganic inputs which are being sold); and iii) off-farm (ranging from processing food products, cottageindustries, small shops, trading and increasingly ancillary units manufacturing or finishing products outsourcedby the private sector). Myrada works on the premise that one cannot design a livelihood strategyfor the poor; the situation in which each family is placed differs, the risks vary and are unexpected. Ratherthan pre-designed livelihood assets the poor need support (infrastructure, communication, technical,skills) and institutional space (which gives them the power to call for and use these support services attheir time and to the extent required - they drive the convergence, not outsiders).Myrada workson the premisethat onecannot designa livelihoodstrategy for thepoor.Rather thanpre-designedlivelihood assetsthe poor needsupport andinstitutionalspaceSome key initiatives:Self-help Affinity groups (SAGs): Myrada’s unique SAGs emerged from a breakdown of one cooperativein Kadiri. Discussion with members of the cooperative, who met Myrada staff in groups to discussthe crisis, showed clearly that what linked the members of the group were relations of trust and thewillingness to support one another. This relationship was described later as ‘affinity’. This is why Myradacalls the groups it has formed and trained “SAGs”, whose members are homogeneous economically, andself-select themselves. While they belong to different castes, inclusion is based on affinity. The SAG is aparticipative/membership institution of people at the base of the diamond that has proved that it canempower the poor provided they are functioning well. In the mid-90s about 20-25 SAGs joined togetherto form one federation. About 100-120 SAGs form one Community Managed Resource Centre (CMRC)which provides support for livelihood strategies. They are centres where farmers bring their producefor onward sale .They provide legal services, raise funds from government, provide training in skills andare actively engaged in job placement. They are able to lobby with the government for veterinary careand health programmes and to access support from the private sector for agricultural diversification,horticulture and poultry. They also provide various services like telephone, fax, internet; 14 of them haveV-SAT. They support the aged by ensuring that they get pensions and provide services to the disabled.Focus on women groups: Myrada’s focus on forming women’s groups is based on the assumption thatthis would provide women with the opportunity to grow in confidence, management and negotiatingskills, as a result of which they would be able to invest in livelihood strategies; secondly that they wouldspend their income on their children and in the home. Myrada also assumed that if the women becamea source of money as well as knowledge for the family, their status in the home would rise.Lobbying with Gram Panchayats (GP): Another institution at the base, which is more representativethan participative, is the GP. The GP too can and should play an important role in supporting thelivelihood strategies of the poor. Unfortunately, even though more and more funds are flowing into theGPs, its governance leaves much to be desired. Myrada is currently lobbying government to appointadministrators for at least the major GPs who can manage all the service providers attached to it as well17Aloysius Prakash Fernandez, Myrada18http://web.mit.edu/urbanupgrading/upgrading/resources/organizations/MYRADA.html147
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Chapter Iresponse, risks and shocks
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Mona DikshitMona Dikshit has been a