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AP Model for comprehensive poverty eradication. Social mobilisation and empowerment of women. Vision: every poor family out of poverty. improved status in society comprehensive food security – freedom from hunger

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AP Model for comprehensive

poverty eradication

Social mobilisation and empowerment of women


Vision every poor family out of poverty
Vision:every poor family out of poverty

  • improved status in society

  • comprehensive food security – freedom from hunger

  • income - minimum of Rs.5000/- per month, from 3 - 4 stable livelihoods (agriculture, allied,etc)

  • house-hold expenditure controlled

  • Comprehensive risk management

  • good shelter

  • good health and quality education


Holistic model covers all dimensions economic and social
Holistic model – covers all dimensions – economic and social

  • Inclusion - 90% of rural poor in S.H.Gs

  • Special focus on ultra poor and vulnerable

  • Gender balance – intra family equity

  • Micro finance

  • Food Security

  • Health & Nutrition

  • Agri - Marketing

  • Non-Pesticidal Management of Agriculture

  • Dairy

  • Jobs

  • Insurance


A.P Federation Model

Z S

200,000

400,000

MMS

4000

6000

-

V.O

150

-

200

SHGs

SHGs

SHGs

SHGs

SHGs


Outreach
Outreach

  • S.H.Gs in all villages of AP

  • More than 90% of rural poor organised

  • 87.5 lakhs rural women organised into 7.0 lakh S.H.Gs (upto March 2007)

  • (35% of all S.H.Gs in India country are in A.P)

  • 33,747 VOs, 1083 MSs and 22 Z.Ss formed

  • Universal coverage of all poor


Total financial inclusion

recent intervention for addressing the ‘high cost’ debt of the poor


Objectives
Objectives

  • To address all the needs of the poor-deepen the credit inflow

  • To transform money lender – dependent rural poor into bankable community

  • To eliminate high-cost interest regime form the lives of poor

  • To arrest the resource drain from the poor

  • To build up diversified & multiple livelihoods of the poor


9000

6500

3063

2001

1017

754

454

197

2001-02

2002-03

2003-04

2004-05

2005-06

2006-07

2007-08

2008-09

SHG-Bank Linkage in AP


Expenditure Portfolio of the Poor

  • Food

  • Health problems – minor/major

  • Education

  • Interest outflow

  • Working capital - farm/non-farm

  • Assets – land, cattle, non-farm

  • Housing – construction, repairs

  • Life cycle ceremonies


Indebtedness of the poor
Indebtedness of the poor

  • Each asset-less rural poor family at present needs Rs.40,000 credit

  • The bank finance accessed by the poor family, at present is 10,000 – gap: 30,000

  • Gap at State level: Rs.25,000 crores

  • Debt from informal sources: 15000 crs

  • Interest payments to informal sources : Rs. 5000 crores per annum


The impact of ‘high cost’ debt on a poor family

  • Per capita annual debt servicing burden: Rs.6000

  • 10 – 40% of income for servicing ‘high cost’ debt

  • This burden is ‘neutralizing’ all poverty eradication efforts aimed at income generation

  • Priority: to address ‘high’ cost debt


Cost of servicing loans from money lenders mfis per s h g
Cost of servicing loans from money lenders/MFIs - per S.H.G

Bank linkage per district 2006-07: 150 crores

Annual interest paid by all SHGs : 184 crores


T f i process
T.F.I Process

  • Effective utilisation of the S.H.G network

  • Facilitate each SHG to identify all the financial needs of each member’s family

  • Development of ‘Micro-Credit Plan’ by the group itself

  • Participation of Bank Manager in the process of development of MCP by the group


T f i process1
T.F.I Process

  • Role of S.E.R.P

  • Pro active role of SLBC

  • Involvement of all banks

  • Adoption of Micro credit planning process as the basis for bank linkage, and, not multiples of savings

  • CRP strategy

  • Continuous nurturing of S.H.Gs by the S.H.G federations and D.R.D.As

  • ‘Pavala vaddi’

  • Continuous monitoring of recoveries


Micro credit plan
Micro Credit Plan

  • Micro Credit Plan components:

    - Debt swapping- the loans taken by the poor from money lenders at high rate of interest

    - financial requirement for assets acquisition and working capital

    - financial requirement for social needs – food security, health, education etc.,


T f i achievement
T.F.I Achievement

  • Implemented in 304 villages with 183 crores in 2006-07

  • In 07-08, it is planned in 5000 villages with Rs.4,000 crores to cover 10,00,000 families

  • Quantum of finance ranges from 80 lakhs to 1crore 50 lakhs to each village

  • Per group finance: quantum jump from 83,600 to 450,000


Bank – Linkage amount taken under T.F.Iin Maharajpeta (V) Consisting of Maharajpet, Gopuralam & Dontanapalli Hamplets of Rangareddy Dist

No. of SHG’s : 25

No. of Members : 264


Loan amount taken under tfi in gopularam h o maharajpet v of rangareddy district

Loan Amount Taken Under TFI in Gopularam H/o Maharajpet (V) of Rangareddy District

No. of SHG’s : 11

No. of Members : 96

Social Category : SC


Relief in interest burden per annumin Gopularam H/o Maharajpet(V) of Rangareddy District

No. of SHG’s : 11

No. of Members : 96

Social Category : SC


Building up of Assets of the poor in T.F.I. Village : Gopularam

No. of SHG’s : 11

No. of Members : 96

Social Category : SC


Increase in Annual Income of the poorin Gopularam H/o Maharajpet (V) of Rangareddy District

No. of SHG’s : 11

No. of Members : 96

Social Category : SC


Effective impact of total financial inclusion on the poor in gopularam h o maharaj pet v

Before TFI

After TFI

EFFECTIVE IMPACT OF TOTAL FINANCIAL INCLUSION ON THE POOR IN GOPULARAM h/o MAHARAJ PET (V)


Impact on the bank branch
Impact on the bank branch

  • Participation of bank manager in the process

  • Increase in the access by the poor to the bank

  • 100% recovery in new-intervention villages

  • Increase in the profitability of the bank- 100% increase in rural branches


Impact on the poor
Impact on the poor

  • Huge mental relief in switching over from money lender to the bank

  • Reduction in interest payments in each family

  • Increase in asset base of the family

  • Unleashing of entrepreneurial spirit of the poor

  • Increase in health conditions of the poor-as it results in improvement in food in-take by the poor

  • Improvement in children’s education and higher education in poor families


Sustainability of the Model

  • Enhanced savings by individuals, in S.H.Gs and in V.Os

  • Social Security:

    - RD for the children of members

    - Life, health and asset insurance

  • Reduction in expenditures:

    - Food Security

    - NPM

    - Micro Irrigation

  • Intervention in value chains of ‘key livelihoods’ of the poor



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