SOIL Report 2008 - ACCESS Development Services

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Chapter VIas to appoint accountants. If this comes through, then with the lobbying from below from SAGs andthe pressures from the CMRCs, it is hoped that several infrastructure projects can be implemented andabove all maintained which will help to support the livelihoods of the poor.Development of software to analyse loans: SHGs have come under criticism from some quartersrecently for lending only for ‘consumption’. Myrada’s analysis shows that this is incorrect. There are trendsin lending over a period of 0-5 years - from small consumption loans to trading and retiring high interestloans, to small assets, and finally to larger ones. From loans for traditional activities to loans for activitieswhich require added value and/or scale. The new software NAB-YUKTI 19 developed by Myrada andconsultants with the support of NABARD helps to analyse the purposes of loans given in the SHGs.Myrada is willing to provide, on request, considerable data on the loans for livelihoods given by SHGs.ChallengesOne problemMyrada facesis that as thegroup membersbegin to producesmall marketablesurpluses,they are notin one villagebut spread overa wide area.Besides, theirsurpluses arenot adequateto maintainthe structurerequired for aviable producercooperative.One problem Myrada faces is that as the group members begin to produce small marketable surpluses,they are not in one village but spread over a wide area. Besides, their surpluses are not adequate tomaintain the structure required for a viable producer cooperative. They need to be supported for a fewyears at least until they attain scale. Myrada finds that CMRCs which emerged in its projects over the pastfour years have begun to promote groups of small producers, provide training to upgrade the quality oftheir products and to cut costs in production. They also provide them with marketing outlets. They arenot registered groups as yet, since their turnover is too small to sustain the infrastructure required by aformal institution. The question then arises: at what stage should these groups become formal producercompanies? Is it appropriate to start with these producer companies even though their scale of operationsis too small? And if these groups are promoted, what is the support they require, from whom andfor how long? These issues need to be addressed in the near future.19SHG monitoring software developed by Myrada and available with NABARD.148
Civil Society InitiativesReferencesBabu Niranjan and Sahu Ashis Kumar,2006, The case of A Case of Shri Kshetra Dharmasthala RuralDevelopment Project linking Microfinance with Livelihoods, http://www.mixmarket.org/en/demand/demand.show.profile.asp?ett=1155Harper Malcolm et al, 2007, Development, Divinity and Dharma, Intermediate Technology,UK.Joshi Sopan, 2008, Mulkanoor: guiding light of India’s cooperative movement,Down to earth, August5, 2008, Http://www.downtoearth.org.in/full6.asp?foldername=20061130&filename=news&sec_id=50&sid=25#Livelihoods, May 2008, Viswanath Reddy - the co operator http://www.aksharakriti.org/.Martha Alter Chen, Et al., 2006, Self Employed Women; Profile of SEWA’s membership, SEWAAcademy,Ahmedabad.Murty, M.G.K.,2003, Mulkanoor a temple, Mulkanoor Co operative Rural Bank and marketing societyLtd, Mulkanoor.Nanvaty Reema, 2001, Making the poor women reach markets, SEWA’s journey, SEWA, Ahmedabad.Rao Lalitha, 2005, Impact of micro credit on quality of life, http://www.mixmarket.org/en/demand/demand.show.profile.asp?ett=1155SEWA, Empowering women through traditional skills, Concept note, Unpublished.SEWA,2008, A paper on Livelihood financing, unpublished.Box 6.1 : Units of SEWA1. Swashree Mahila SEWA Sangh (SEWA Union) Recruits and organises SEWA’s urban and rural membershipand organizes campaigns around issues of concern to its members.2. SEWA District Associations/Federations- These associations provide services to SHGs and producer groupsformed by SEWA members and link them with other services of SEWA. E.g. capacity building, health, childcare,insurance, marketing, credit & financial services3. SEWA Marketinga. SEWA Gram Mahila Haat is a marketing facilitator organisation aiming at providing local/nationalmarketing support to the products of poor, self employed women from rural areas.b. SEWA Trade Facilitation Centre is a company registered under Section 25(1)(a) of The Companies Act,1956. STFC aims at providing marketing support to the craft products produced by rural artisans.4. SEWA Academy- It is a unit engaged in trainings, research and communication services. Training and researchactivities are conducted through District level teams. For providing communication services, Video Cooperativehas been formed.5. SEWA Social Security - These are the services in the areas of health-care, child-care and insurance. For providingthese services, Child-care cooperatives, insurance cooperatives and; cooperatives of health workers and midwiveshave been formed.149
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State of India’s Livelihoods :The
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ChapterPage NoForeword 6Preface 8Ab
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ForewordAs a part of its microfinan
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employment growth, these sectors we
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RIAARMKRRBRSVYSCSC/STsSCPSCSPSERPSE
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Chapter Iresponse, risks and shocks
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OverviewTable 1.2 Employment and Un
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OverviewA recent paper by Arjun Sen
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Overview4. How is the livelihood st
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Overview5.2 Manmade constraints - i
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Overviewthe late 1980s, these two m
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OverviewIn the 1970s, the Chipko mo
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Overviewsocial responsibility (CSR)
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OverviewBox 1.3 Bihar - Underdevelo
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Chapter IIAn enumeration of the dep
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Chapter IIBox 2.1 Macro Level Livel
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Chapter IIIn addition to the above,
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Chapter IIFig 2.1: Poverty Ratio am
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Chapter IIPoormigrantlabouroften su
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Chapter IIInterestingly, the Govern
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Chapter IIThe effective cost of nat
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Chapter IIsector and thereby casual
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Chapter IIReferences1. Aiyar , Swam
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Chapter IIIto, the vulnerability co
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Chapter IIIIt would be useful here
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Chapter IIIof new employment opport
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Chapter IIIinterest subvention - wo
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Chapter III6. The 11th Plan propose
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Chapter IIIBox 3.5: Rural Business
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Chapter III9. The achievement of ge
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Chapter IIIaid. The Plan also seeks
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Chapter IIIand health. They point o
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Chapter IIIReferences1. Ambasta, Pr
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8080
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Chapter IVtransport, storage, commu
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Chapter IVing of ‘English Speakin
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Chapter IVWhile these livelihoods h
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Chapter IVTable 4.6 Employment with
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Chapter IVConstruction requires no
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Chapter IVgains in manufacturing ha
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Chapter IV10. A Spatial Perspective
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Chapter IVA quick glance at some of
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appENDIX TableTable-7: Distribution
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appENDIX TableDams and Displacement
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appENDIX TableFig. A.3.2: High Pote
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appENDIX TableTable A.3.2Table 2: S
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appENDIX TableChapter IV - ANNEX TA
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appENDIX TableAnnex A.5.1Backward R
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appENDIX TableAnnex A.5.3Some UNDP
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appENDIX TableGross Value of Output
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Mona DikshitMona Dikshit has been a
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