World Bank Supervision Mission

Transcription

1 NOTES ON INDIRA KRANTHI PATHAM VIZIANAGARAM DISTRICT World Bank Supervision Mission October 2008

2 VIZIANAGARAM DISTRICT MAP 1 st PHASE :- ( July, 2000) 1. BALIJIPETA ( 09) 2. BONDAPALLI (20) 3. CHEEPURUPALLI (23) 4 GARIVIDI (22) 5. KOTHAVALASA (34) 6. PACHIPENTA (12) 7. POOSAPATIREGA (25) 8. SALURU (11) 9. VEPADA (31) 10. MERAKAMUDIDAM (16) 11. G.L. PURAM (02) 12. KURUPAM (03) 2 nd PHASE :- (Aug, 2001) 13. GURLA (23) 14. JIYYAMMAVALASA (05) 15. S.KOTA (30) 16. DATTIRAJERU (17) 17. BHOGAPURAM (26) 18. VIZIANAGARAM (28)) 19. KOMARADA (01) 20. MENTADA (18) 3rd PHASE :- (Oct, 2002) 21.Makkuva RB Puram Badangi Therlam Gajapathinagaram Nellimarla Denkada L.Kota th PHASE :- (Apr, 2003) 29. JAMI 30. GANTYADA. 31. BOBBILI 32. SEETHANAGARAM 33. GARUGUBILLI. 34. PARVATHIPURAM.

3 INTRODUCTION The society for Elimination of Rural Poverty (SERP) is implementing Indira Kranthi Patham (IKP) DPIP/APRPRP in all 34 mandals, covering 26 Plain and 8 Tribal Area mandals in Vizianagaram district. The Project is expanded to cover the entire district in four Phases. Participatory Identification of poor PROCESS OF PIP Identification of the poor through participatory methods is both highly efficient and is creditable by all concerned, for this purpose. This way, instead of just understanding the economic condition of the poor, the social and economically deprived would also be brought under consideration. The most important factor would be participation of the community in identification of poor. Participatory tools / methodologies like social mapping and well being analysis facilitated in the habitations to identify the target poor and poorest of the poor. The whole process had undertaken in the open public place involving all sections of the society in the village. RESULT OF PARTICIPATORY IDENTIFICATION OF THE POOR (PIP) THROUGH P.R.A. EXERCISE CONDUCTED IN ALL THE VILLAGES IN VIZIANAGARAM No. of HH POP POOR NSP NP POP POOR NSP NP TOTAL DPMU 56, , ,104 41, ,574 TPMU 26,119 41,491 26,890 6, ,391 TOTAL 82, , ,994 48, ,965

4 APL 46% BPL 54% DPMU SC ST BC OC TOTAL POP 8,861 3,448 41,156 2,998 56,463 Poor 17,343 5, ,332 7, ,208 Non Poor (M) 10,103 2, ,565 12, ,104 Non Poor (R) 2, ,936 9,152 41,799 TOTAL 38,474 12, ,989 32, ,574 TPMU SC ST BC OC POP 3,986 11,321 9, ,119 Poor 5,535 16,114 17,789 2,053 41,491 Non Poor (M) 2,302 6,159 15,881 2,548 26,890 Non Poor (R) ,884 1,584 6,891 TOTAL 12,337 34,503 47,428 7, ,391 DISTRICT AT A GLANCE Sl. No. Particulars DPMU TPMU TOTAL 1 No. of Mandals covered No. of Revenue Villages Total Households in the district BPL Households as per PIP No. of white ration card holders No. of SHGs 20, Village Organisations No. of VOs Registered No. of MSs formed No. of MSs Registered Mandal Vikalangula Samakyas 03-03

5 FORMATION OF NEW SHGs and INSTITUTIONS OF POOR So far 3,47,124 households of POP & Poor have been organized into 25,659 SHGs. Indira Kranthi Padham believes in the fact that poor are willing to be organized and elimination of rural poverty is possible by strengthening these institutions of the poor. One of the most successful strategies by keeping this premise in mind that all the poor are organized in to groups (SHGs) which are federated in to Village Organisations at Village level and Mandal Samakhyas at Mandal level (which is the unit of administration in Government of Andhra Pradesh equallent to a mini block) and a District Federation Zilla Samakhya at District level. Skill and knowledge will be constantly imparted to these Organisations through trainings on different subjects to achieve self-reliance and self-sustenance to facilitate emergence of strong institutions of poor to champion the cause of the poor and constantly work with them spinning them out of poverty over a period of time. INSTITUTION BUILDING STRUCTURE : IB Strategy : 1. To ensure each VO to list out names of poor not yet organized along with their families socio economic conditions and including coverage as an important agenda points in VOs meetings. 2. Mandals through adopting of CRP strategy for seeding the best practices of the mature SHGs, VOs and MS using experiential learning methods. 3. Model Mandals adopting External CRP strategy for strengthening their institutions benefiting 50% of VOs and remaining 50% of VOs adopting by Internal CRP strategy.

6 4. Concurrent and statutory audit for all VOs, MSs and ZS and training to CBOs on analysis of audit reports through Financial Management and Audit CRPs strategy. 5. Training to all VO OB members and MS EC members on MACS Act-1995 through Registration CRPs. 6. To assess the institutional sustainability achieved by the all SHGs, VOs and MSs by generating various sources of income and formulate plans for developing them into self-reliant organizations. CRPs Strategy CRPs approach for strengthening of SHGs through External CRPs: This district adopted external CRPs strategies for social mobilization to revive defunct groups and strengthening of both new and existing groups. The Village organizations have involved themselves to take up these responsibilities. In Vizianagaram DPMU there are 5 AC clusters. 12 External CRP Teams each team consisting 2 Women Members, 1 Sr. Book keeper and one Animator are drawn from Kurnool to train the SHG groups in the district. One External CRP Team will work in one Model Mandal for 1 Year and will cover 50% VOs. The Team will 15 Days per month. While the CRP Team is working in the village the CCs and the MBKs of the CC Clusters will stay with the team and get thorough immersion and exposure to all the IB, mf and CIF management processes of the project. COMMUNITY INVESTMENT FUND CIF provides resources to the poor communities for utilization of funds as a means to improve their livelihoods. This is one of the important components which supports communities to prioritise their livelihoods through LEAPS in the early stages and now through Micro Credit Plan (MCP) and allocates 50% of the funds to the Poorest of the Poor (POP). There are three types of sub projects.

7 Income Generation Activity (IGA). Social Development Activity (SDA). Infrastructure Activity (IA). The bulk of CIF budget is earmarked to the IGA and utmost care has been taken to ensure that atleast 50% of CIF shall go to SC and 10% to STs respectively. Similarly, it is applicable to CIF recovery also. Further, 10% is earmarked and priorities to DAPs. Basing on the Annual Work and Finance Plan the funds have been transferred to the Mandal Samakhyas w.e.f on wards. Out of total IKP project budget, CIF is the most important component that determines the level of employment generation for the poor and POP. As per the MCPs, CIF sub projects have been sanctioned and grounded as indicated below. CIF YEAR WISE RELEASES YEAR SC ST BC OC TOTAL AMOUNT RELEASED Rs. In Lakhs TOTAL , ACTIVITY WISE CIF SUB PROJECTS AND RELEASES Sl. No INCOME GENERATING ACTIVITY ACTIVITY SC ST BC OC PHC TOTAL TYPE RELEASED 1 ADDA LEAF PLATES IG 1,203, AGRL. INPUTS , ,356 IG 2,829,480 3 BAMBOO BASKET IG 1,862,103 4 BANANA CULT IG 263,410 5 BARBER SHOP IG 182,830 6 BOREWELL IG 623,160 7 BRICK MAKING IG 1,195,010

8 INCOME GENERATING ACTIVITY Sl. No ACTIVITY SC ST BC OC PHC TOTAL TYPE RELEASED BUFFALOES IG 496,120 9 BULLOCK CART BULLOCKS IG 804, IG 2,470, BUSINESS TOTAL , ,099 IG 11,589, CANAL IG 97, CARPENTRY IG 419, COWS IG 1,002, MM PROJECT 3 3 IG 9, DAIRY 6, , ,112 IG 101,114, DPIP RELEASED (TPMU) IG 5,684, DUCK REARING IG 39, FISH BOATS IG 1,201, FISH NETS IG 158, FISH VENDING ,044 IG 2,359, FISHER MAN UNITS IG 48, FOOD SECURITY , ,829 IG 1,766, GOLD SMITH 2 2 IG 8, HORTI CULTURE IG 154, KEROSINE ENGINE KIRANA IG 1,589, IG 2,311, LAND DEVELOPMENT IG 148, LAUNDRY 30 MANGO GELLY MAKING IG 461, , MEDICAL PLANTS IG 92, MUSICAL BAND IG 134, NTFP IG 187, OIL ENGINE IG 317, ORCHED BUSIENSS IG 1,015,000

9 Sl. No INCOME GENERATING ACTIVITY ACTIVITY SC ST BC OC PHC TOTAL TYPE RELEASED 36 ORCHED BUSINESS IG 220, PETTY TRADES 3, , ,384 IG 31,552, PETTY TRADES (DISABLE) IG 2,100, PISCI CULTURE IG 48, POTTERY IG 12, POULTRY IG 343, RAM LAMBS REARING IG 185, RICKSHAW IG 398, SHEEP REARING 1,614 1,141 3, ,546 IG 27,371, SKINS & HIDES IG 1,622, STD BOOTH IG 53, STONE CUTTERS IG 220, TAILORING IG 710, TODDY TAPING IG 116, VEG. GROWING VEG. VENDING 52 WEAVERS IG 1,769, , ,984 IG 4,804, IG 879,400 0% 7% IG INFRA SOCIAL FINANCIAL IG - Rs Crores. Infra - Rs Crores Social - Rs Crores 93 % 17% Total - Rs Crores 2% 81%

10 SOCIAL DEVELOPMENT ACTIVITY Sl. No. ACTIVITY SC ST BC OC PHC TOTAL TYPE RELEASED 1 BRIDGE SCHOOL S 756,120 2 COMPUTER EDUCATION S 44,048 3 CRECHE S 97,190 4 Grahanam Morry & Minaral Mixure 5 GUM KARIYA S 883, S 186,859 6 HEALTH RISK FUND S 285,120 7 HEALTH SP S 504,579 8 HEALTH&NUTRITION S 250,562 9 HEALTH&NUTRITION CRECHE S 9, SCHOOL FOR DISABLED S 104, SOUKARYAM PROTECTED WATER 12 SUPPLY TOYS & TEACHER,AAYA 13 REMUNERATION 3, , ,169 S 12,867, , S 19, VERMIN COMPOST S 24,800 This is the most important component of the project to make the poor bankable by providing to the banks the poor can take loans and repay them back with more than 99% repayment rate. An amount of Rs. 35 crores provided by the project in this component has facilitated total credit of Rs crores.

11 Sl. No. INFRASTRUCTURE ACTIVITY ACTIVITY SC ST BC OC PHC TOTAL TYPE Amount (Rs.) 1 AGRL IMPLEMENTS Infra 98,727 2 CHECK DAM 3 COMMUNITY HALL infra 742, Infra 60,000 4 COMMUNITY SHED Infra 5,000 5 CULVERT Infra 67,500 6 MI TANK Infra 251,348 RE-CYCLING OF CIF :- The focus on recovering and recycling of CIF has given good results. In DPMU, there has been substantial improvement in the recovery. Recovery % improved to 100%. CIF has played a remarkable role in various aspects of improving the livelihoods of the poor. Perhaps, without CIF the District Interventions like LIFE INSURANCE SCHEM, ANIMAL INSURANCE SCHEME, DISABILITY CERTIFICATION CAMPS, COMPREHENSIVE FOOD SECURITY would not have been possible.

12 Now, it becomes an important source for CBOs (SHG/VO/MS) in Capital formation for the livelihood improvement of the PoP. Our learning in DPMU shows that capacity building of the community on their livelihood activities and support services is very much necessary for enhancing the productivity and thereby their income from income generation Activities.

13 Mandal Name Opening Loan Balance Privious Month Over Due Demand During the Month Demand During the Month including Over Due Collection During the Month Total Over Due Amount Interest Amount Interest Amount Interest Total Amount Interest Total Amount Interest (4+6) 9(5+7) 10(8+9) (11+12) 14(8-11) 15(9-12) 16(3-11) 17(11/8* 100) 18 19(16+18) 21 1 Vizianagaram Loan Outstanding Recovery % New Loans (Rs) Total Loan CIF Bank Balance S L N o 2 Gajapatinagaram Bondapalli Mentada Ramabadrapuram Seetanagaram Garugubilli Dattirajeru Bobbili Vepada L Kota Jami Gantyada S Kota Kottavalasa Bogapuram Pusapatirega Denkada Garividi Badangi Gurla Cheepurupalli Balijipeta Merakamudidam Terlam Nellimarla Total

14 SHG BANK LINKAGE Sl.No. Year No. of Groups Linked Am ount (Rs. in Crores) Per Group Lending , , , , , , , , , , , , , , , , , ( as on Sep) 9,008 13, , o Per Group linkage increased from Rs.15,000/- during the year to Rs lakhs during SHG BANK LIKAGES COMPUTERITION DETAILS: MS accountants positioned : 26 No. of mandals having Computers, UPS, Printers : 26 Internet connections : 12 Static Data Collection completed, Entered, Verified and Saved permanently : 26 Mandals Dynamic Data Collection completed, Entered, Verified and Saved permanently: 26 Mandals

15 TOTAL FINANCIAL INCLUSION The poor and the poorest of the poor in every village are identified under Indira Kranthi Padham (IKP) project through participatory methods by involving the poor themselves in the district. The required capacities are built up in SHGs and the concept of thrift and savings, around which the self help movement is built up, has resulted in corpus in crores. These funds are rotated among the members themselves and demonstrated good financial discipline in managing their economic operations. As a consequence of this, the bankers have come forward to finance these SHGs and the SHGs have been able to access. Through SHGs model, the poor have been able to access to bank finance and taking up small economic activities apart from fulfilling their social and health needs. TFI CRPs No. of Bank Branches : 119 Bank Mitras identified : 115 Trained & Positioned : 115 No. of TFI CRP teams Identified & Trained : 119 Positioned : 95 INDIRAMMA HOUSING LOANS PHASE - 1 Total No. of beneficiaries in the district - 62,792 Less : Out side SHG benf. - 6,635 NET SHG BENIFICIARIES - 56,157 Achievement Physical Financial Under Spl. SHG Bank Linkage - 22, Under Normal Linkage - 19, Under Recycling of CIF - 2, Total - 44, % of Achievement % Leftover members - 11,814 (DPMU-5921, TPMU-5893)

16 INDIRAMMA HOUSING LOANS PHASE - II Total No. of beneficiaries in the district - 1,14,145 (DPMU-89033, TPMU-25112) Less : Out side SHG benf. - 2,773 NET SHG BENIFICIARIES - 1,11,372 Physical Financial Achievement (DPMU) - 21, TPMU - 1, TOTAL - 23, Cores % of Achievement % COMPREHENSIVE FOOD SECURITY DEFINITION HUNGER CAN NOT BE POSTPONED Food security has been variously defined in the literature, but the generally accepted definition draws 'Food security at the individual, household, national, regional and global levels is achieved when all people at all times have physical and economic access to sufficient safe and nutritious food to meet their dietary needs and food preferences for an active and healthy life. It represents 'a condition in which the probability of a country's citizens falling below a minimum level of food consumption for a healthy living Household Food Security is defined as the capacity of households to procure a stable and sustainable basket of adequate and nutritious food FOOD GAP The average requirement of rice for an Indian house-hold is kg per month, taking into consideration the average size of the house-hold is 4.8. The availability of rice from the Public Distribution System (PDS) per family is kg per month. For the balance rice or cereals the house-hold depends upon open market this is the food gap. Bringing this gap is the most important component of rural families budgeting activity in which the access to financial resources is the most important limiting factor which is linked to seasonality (as more than 80% of rural poor lives in villages with Agriculture as their major livelihood (as labourers) which again is at the mercy of vagaries of nature.

17 The purchase of the rice from the open market is subject to the following factors: The purchasing power/income of the house-hold, will always fluctuate and directly depends upon selling of his/her own labour and availability of work. The quality of the rice The rate Exploitation in wrong weighment as negotiating power of poor is almost nil. All the above factors result in either mal-nutrition or un-even nutrition causing the deprivation of continuous and sufficient flow of food to the poorer sections of the community. The deprivation of food is also not distributed among the members of the household evenly the children and the women are more deprived rather than the male members within the house-hold. ADDRESSING THE GAP Food Security intervention not only addresses the hunger gap in rural communities but also relieves the rural poor house wife from mental tension searching for next meal for her husband and children who always lulls in a uncertainty where it will be there or not. Through this scheme, the Village Organisations (VO) encourage Self Help Group (SHG) members to draw their full Public Distribution System (PDS) quota as per their entitlement and ensure that the members utilize this opportunity. For the balance, the VO estimate the bulk requirement of SHG members for rice and other essential commodities, negotiate and procure better quality commodities from the open market and supply to their members at a price lower than the retail outlets. OBJECTIVE Objective of the food security scheme is to ensure the poor family two square meals of food, including access to the rice taken from the Fair Price Shop under PDS. The rice issued under PDS will be sufficient for 10 days only to a poor family. The remaining 20 days requirement, the family generally purchases the rice from open market. This gap is assessed for every member. The requirement of other essential commodities are also assessed in addition to rice and added to the basket of adequate food. This member level requirement will be compiled at SHG level and requirement of all SHGs will consolidated at VO level.

18 BACKGROUND The Food Security Programme is a unique progamme started in the name of RICE CREDIT LINE in Vizianagaram District in the year The programme has been implemented in 12 Mandals in 1 st phase. A quantity of 2,500 MTs of rice taken from Civil Supplies department value of 1.55 Crores distributed to the Rural Poor People. Benefiting 23,355 families covered in 1,960 SHGs. The repayment of the rice is very satisfactory and led to the introduction of 2 nd phase in the year benefiting 81,272 families from 5,983 SHGs with 8,163 more MTs of Rice. The entire programme is organized through community and its organizations such as SHGs, VOs and MSs. Thus benefiting 1,04,627 families from 7,943 SHGs in 24 mandals of the district. The Scheme has generated tremendous demand and has provided the desired life line in terms of food security to the poor communities and emerged as major entry point activity for the World Bank sponsored District Poverty Initiatives Project (DPIP) in the district. After the termination of the RCL in the district the Community Based Organistiosn (ZS / MS / VO) have conducted sries of meetings which emerged the introduction of Comprehesive Food Security Scheme in 2004 Aug to begin with covering all the fishermen villages and tribal villages in the plain areas of the district with support from Community Investment Fund (CIF) of the project. This community-based food security scheme is facilitated by the field level project staff, but conceived, designed and implemented by the community-based Organisations i.e., SHGs, VOs and Mandal Samakhyas (MSs). There is no involvement of any department at any level in any decision of the community. IDENTIFICATION OF POOR & EMERGENCE OF INSTITUTIONS OF POOR The poorest of the poor and the poor are identified by the poor themselves through PRA methods. The women members of these house-holds are organized into small groups consisting of members, called Self-help Groups (SHGs).The SHGs are federated into Village Organization (VO) at village level. The VOs are again federated into Mandal Samakhyas (MS) at mandal level-the village and the mandal are the administrative units in the state of Andhra Pradesh and the federation of VOs and MSs are co-terminus with these administrative units as a part of the strategy for the implementation of the World Bank assisted DPIP project for elimination of rural poverty in the district. Intensive training is takenup for members of the SHGs, VOs and MSs to build their capacities, to manage their institutions and to implement the project by themselves. this is the crux of the project which aims at creation of self reliant and self managed institutions of poor ( SHG., VO., & MS) with capacities built to a level where in they will champion the cause of the poor and will continue to work with poor until such time they came out of poverty on their own. The project staff will provide facilitation support to these organizations to handle this task by giving required

19 trainings and providing access to resources ( both natural and financial) to canalize them to be invested in productive livelihoods this is economic dimension in the project. There is a bigger social dimension in the project which aims at providing social security through community run mutual assurance scheme to cover the human lives and loan Protection Scheme to cover the animal lives, fighting against elimination of child labour, food security, eradication of child marriages, reduction of infant mortality rate etc., Out of these activities food security and mutual co-operative insurance have emerged as most popular schemes with 1.3 Lakh families reaping the benefit of food security scheme and 2.21 Lakh families covered under social security net and 50,000 animals insured. IMPLEMENTATION OF THE SCHEME Objective of the food security is to ensure the poor family two square meal of food include access to rice taken from FP shop under PDS. Will ensure all the members who are having white ration cards to draw their entitlement of rice from FP Shop every month by providing credit. The project is conceived with an assumption that the rice issued under PDS will be sufficient for 10 days only to a poor family the remaining 20 days requirement the family generally purchases the rice from open market. Member wise food gap is assessed in detail by VO which is consolidated at the SHG level who places an indent to the VO to procure the same in addition to rice, the requirement of other essential commodities are also assessed and added to the basket of adequate food. At the Village Organization level there will be functional committees with specific duties allocated to handle the scheme viz., Purchase Committee, Distribution Committee, Recovery Committee etc., The VO discusses the consolidated proposal for all SHGs in the VO, in its Executive Committee meeting held for every month and give its approval. The Purchase Committee formed by the VO out of its Executive Committee will conduct market survey for the essential commodities and after obtaining the approval of the EC, will procure the indented quantities. The Distribution Committee will distribute rice and other essential commodities to all SHGs in the premises of the VO. The SHGs will in turn distribute them to their members as per their indent. Each member will repay the amount in 2 3 installments, in addition to down payment paid at the time of taking the rice. The total amount will be repaid in three to four weeks by SHG to VO. In the last week the process will be repeated and again the rice will be procured & distributed it to members The recovery rate is 100% and now, Comprehensive Food Security includes different packages in different mandals, this has resulted in

20 decrease in family expenditure and has given not only peace of mind to the house wife but also access to nutritious food as they have secure 50 Kgs of Rice bag and monthly provisions in their house. The most important impact is availability of nutritious food to the children and our SHG women is also eating two square meals of food which she used to neglect earlier. The Scheme has generated tremendous demand and has provided the desired life line in terms of food security to the poor communities. Food Security is being implemented in all the 34 Mandal Samakyas in Vizianagaram district. MSs. Out of 1251 VOs, the food security initiative is being implemented by 1200VOs. Total turnover per month is Rs.7.55 Crores Qty of Rice per month :68,66,050 Kgs. FOOD SECURITY SCHEME MONITORING SYSTEM : Sl. Particulars No. No.of Mandals 1 (DISTRICT) Achievement 34 2 No. of Vos No.of SHGs No.of Beneficiaries & Families The functional committee system in the VO will monitor the scheme. The fortnightly meetings by the VO will be attended to by the representatives of the SHGs during which the repayments and progress of the scheme are monitored. The Mandal Samakya will review the implementation of the Food security in all VOs twice every month. The Zilla Samakhya monitor the progress of the scheme during it s monthly meeting. PAVALAVADDI SCHEME: (INTEREST SUBSIDY) The scheme was started during the year with an object of providing interest subsidy on the loans taken by the SHGs. The scheme is applicable to all loans extended by the banks on or after 1 st July, 2004, under SHG Bank Linkage Programme. The incentive will be in the form of reimbursement of interest whatever is above 3% interest irrespective of bank interest rates. The subsidy

21 shall not include penal interest, liquidated damages etc., paid to the bank. The year wise achievement is as follows: Sl. No Year Physical Financial (Rs. In Lakhs) (1 st Half Year) 20, TOTAL AMOUNT SPENT (1 st Half Year Requirement) 24, JOBS The Jobs strategy has evolved over a period of four years. Being a CDD (community driven) project, the work is on different levels to reflect the aspirations of rural youth. Some youth are willing to move to better opportunities in urban and semi-urban areas. Others are content to work, even at lower salaries, in their own villages. The Jobs models attempt to reflect these varying aspirations. Sustainability also comes from training the community itself to take the Jobs agenda forward. Though challenging, a pilot was carried out, after much brainstorming, in giving community market -scanning skills. Community takes a lead role in identification of the rural unemployed youth, facilitating them to approach Training Centre decide the training / skill they want and to undergo training and to join the job.

22 RAJIV UDYOGSREE SGSY RIAD TOTAL Target (SGSY 650) 4490 Achievement (SGSY 483) (for half year) SGSY Target Achievement - 1,826 (on going 1,130) Sector Target Achievement ongoing IKP LABS Security Textiles English WRP Dist Model Tally Sky Lark Construction Gems & Jewellery Total 2,500 1,826 1,130

23 DISABILITY COMPONENT Project objectives Enhancing livelihood opportunities and Quality of Life for Persons with Disabilities (PWDs) and their families Ensure optimum utilization of residual abilities by PWDs Improve capacities of PWDs to access and avail various entitlements and services offered by the government Mainstreaming disability concerns in policy making and line activities Pilot Mandals : 3 ( Three ) (NELLIMARLA, VIZIANAGARAM, GURLA) S. No. District Pilot Mandals Other than Pilot DPMU Other than pilot TPMU TOTAL 1 No,.of intensive disability Mandals No. of Disabled Groups formed No.of Disabled persons organised into SHGs No.of Mandal Vikalangula Samakhyas formed No.of PWDs received CIF ( & ) No. of Disabled Groups received CIF Amount of CIF Received by PWD Groups Bank Loans received by PWDs Groups Amount of Loan SGSY Groups SGSY Amount SGSY Individuals Amount

24 o All disabled persons provided with disability certificates and multi purpose passport books by conducting multipurpose identification camps. DPIP OH BLIND DEF MR Bus Rly., Pass Certificates DPMU TPMU Total CAMP FOR CLEFT LIPS OPERATION : Conducted the operation successfully for 125 candidates with the help of Dr Srinivas Gosla Reddy, GSR Institute of Craniofacial & Facial Plastic Surgery and UNI CARE Doctors free of cost. Institutional Building DAP - CRP Strategy 30 DAPs identified as CRPs and given training on Group formation, SHG Book Keeping. These 30 CRPs were drafted to other then pilot mandals for imparting IB inputs to DAPs and formed the 283 DAP SHGs. UNDER NIMH 319 TRI-CYCLES RECEIVED AND DISTRIBUTED ON THE OCCASION VISIT OF HON BLE SPEAKER ON 15 TH JULY, Organize Mega Disability Camp under aegis of Bhagavan Mahaveer Vikalanga Sahayata Samithi, Hyderabad for 373 candidates and issued Calipers 203, Limbs 113, Crushers & Walkers 57. SOCIAL SECURITY PENSIONS Sl. No. Year Physical Benf. Covered (Number) ,508

25 Sl. Type of INDIRAMMA INDIRAMMA Grand REGULAR No pension (I&II) Phase III Total 1 OLD AGE 64,619 79,578 32, ,865 2 WEAVERS 1,219 1, ,303 3 DISABLED 7,990 15,191 9,508 32,689 4 WIDOW 10,007 38,143 20,501 68,651 TOTAL 83,835 1,34,404 63, ,508 INDIRA BHIMA YOJANA (Community Managed Assurance Scheme) (udayasree) The innovation is a self managed community based micro insurance for the benefit of the community by the community with an objective of protecting from the risk of death & disability with an affordable rate of lowest annual premium and delivery of service at their door steps. The unique feature of this intervention is the entire process of service delivery system is totally administered and monitored by the Community Based Organizations for the benefit of their members by collecting nominal service charges of Rs.10/- from each applicant. The entire process of insurance is done by the community that is from enrollment of members in the Self Help Groups (SHG) in the insurance policy, collection of premium amount, payment of premium amount to the LIC and collecting data of deaths by the Call Center, claim settlement process through community (Bima Mithras), disbursement of claim settlement amount to legal heirs by community collecting and submission of data of school going children, and disbursement of scholarship. Establishment of Call Center and web-based MIS with a sole objective of providing quick and quality services, through Bima Mitras selected from active SHG members. The responsibility of Bima Mitras is to enquire into each claim of death and disability and after the confirmation of the death as per the insurance regulations hand over an amount of Rs.5000/- as initial solarium. In Vizianagaram District women oganised into Self Help Groups. These Self Help Groups federated themselves into 1251 Village Organizations incorporated under AP Mutually Aided Cooperative Societies Act 1995 which in turn federated into 34 Mandal Mahila Samakhyas, and all the Mandal Samakhyas are confederated into Zilla Mahila Samakhya at District level. Eventually the SHGs and their federations are empowered to play an active role in insurance operations, to reduce rural people s vulnerabilities and to protect their income and asset base, by creating an enabling environment for self management by the community itself with this social infrastructure of the peoples net-work, the

26 implementation of the innovation is made possible. In fact all the members of the SHGs and their federations are poorest of the poor who are denied all the opportunities for development on the pretext of poverty. Impact The impact of this innovation is that there is a substantial increase in outreach of enrollment in the subsequent years and the model is replicated by the other Districts in the State and inspired to implement the Cattle Insurance in the same way. SERP recognized Vizianagaram as one of the resource district for this intervention. UDAYASREE is a wholly managed community based assurance scheme totally managed by the Zilla Samakhya, Vizianagaram. First of its kind in the entire state. The success and popularity of the schemes paved by other districts to start similar schemes. The scheme aims at providing relief to the immediate family members of the deceased SHG women. The scheme assures payment as follows: Natural Death - Rs. 30,000/- Accidental Death - Rs. 75,000/- Permanent Disability of both the limbs/eyes - Rs. 75,000/- Permanent Disability of one limb / eye - RS. 37,500/- YEAR Total no. enrolled Claims settled Amount , ,50, , ,32, , ,20, , ,70, ,65,90, TOTAL 3,48,62, Enrolment Settled 615

27 Scholarships The Zilla Samakhya, Vizianagaram has re-insured the scheme with LIC of India under JANASREE BHIMA YOJANA-SIKSHA SAHAYOG YOJANA which has a back end subsidy to provide scholarships to the students studying 9th 10th Inter and Rs.,1200/- per child per year of the member insured not exceeding two children per member. During the year , 7,748 children of SHG women were sanctioned scholarships worth Rs lakh. During the year , 16,780 children of SHG women were sanctioned scholarships worth of Rs lakh. Role of CBOs ( VO / MS / ZS ) ZILLA SAMAKHYA (District Federation) Nodal Agency for the scheme Maintain data base and Call Centre Issue Certificate of Insurance to each and every member tie up with Insurance Company for re-insurance MIS Capacity building of its staff and community Pay out solatium within hours MANDAL SAMAKHYA (Federation at mandal level) Office bearer is member of Area Committee for verification of claims Recommending authority for claim settlement. Claim documentation Training of VOs VILLAGE ORGANISAGTION (Federation of SHGs) Member education Filling up of Application Collection of premium Reporting of claims Facilitate documentation of claims Distribution of Claim amount to the nominee. REDEMPTION OF CLAIM All redemption claims should be forwarded through the SHG-VO-MS along with the ZS resolution.

28 The VO forwards the application along with above enclosures after verifying the genuineness of the claim, along with its endorsement and resolutions to the MS; The MS submits the same to the ZS with an endorsement of the three member sub committee who verified the claim. Claims will be recommended to ZS twice in a month settled twice in a month. Sub committee meeting on 13th and 29th. Claim will be forwarded to re-insurer. Without waiting for re-insurer the claims will be settled by ZS even it is rejected by re-insurer, if the community feels genuine claim. The claims will be settled twice in a month on 14th and 30th. OUTCOMES OF THE SCHEME The Udayasree life and accident assurance scheme as it came into operation, had several good features. first, for a low one-time premium of Rs. 100/- life and accident insurance benefits were provided to a large number of poor women second, the re-insurance effectively reduced the liability on the ZS third, the entire insurance scheme was under the management of the ZS which the subscribing women could always approach for resolution of any grievance fourth, Udayasree redeemed the insurance claims within thirty days of the claim made and Solatium of Rs.5,000/- within 2-3 days. fifth, the ZS run insurance has strengthened the linkage between the SHG, VO, MS and ZS sixth, the operation of the scheme has improved the management capacity of the community based organisations to mobilise people, to handle funds, to supervise and monitor the program and to support the families in distress. In other words, the Udayasree strengthened the social capital, both in its structural and cognitive forms seventh, the insurance scheme demonstrated EFFECTIVE delivery of Government sponsored Social Security Benefit i.e., more than Rs lakhs was transferred as education scholarship to children of SHG members insured in the program.

29 finally, the experience of the Vizianagaram ZS, provides learning for developing Community Based Mutually Aided Insurance Organizations. Risk Fund Created at ZS level is Rs.1.55 Crore. Aam dmi Bima Yojana (AABY) Aam Aadmi Bima Yojana is a scheme for the benefit of landless agricultural laborer households in collaboration with LIC of India. At present, including Andhra Pradesh 14 States/ Union Territories have agreed to implement the Scheme. It is a group Insurance Scheme for the age group of years. The members should be head of the family (bread winner) or one earning member in the family of rural landless household who are dependent on agricultural labour as their primary source of livelihood. The Premium to be charged under the Scheme is Rs.200/- per annum per member, of which 50% will be contributed by the Central Government and the remaining by State Governments. Under the Scheme, all rural landless households would be provided life and disability cover. On death and permanent disability due to accident, the family would get Rs.75,000/- In case of partial disability due to accident, the insurance cover would be Rs.37,500/-. On natural death, the family would get Rs.30,000/-. A free add-on scholarship benefit for the children of the members of AABY is provided under this scheme. A scholarship at the rate of Rs.100/- per month will be given to maximum two children studying between 9 th to 12 th Standard. This scholarship, however, is payable half yearly. As on date 525 claims were reported to Call Centre and 254 claims settled and amount distributed to nominees remaining claims are under process at LIC. Members covered under Insurance ( ) AABY (Aam Admi Bhima Yojana) : 1.17 lakh members Janasree Bhima Yojana & Other Group Insurance: 3.62 lakh members (DPMU) : 0.15 lakh members (URBAN) : 0.12 lakh members (TPMU) Total insurance coverage : 5.06 lakh members

30 LOAN PROTECTION SCHEME Loan Protection Scheme is an Insurance Scheme aimed at payment of 100% of cost of Animal insured with in 7 days of the reporting of the incident of death to Zilla Samakhya. Zilla Samakhya is maintaining a 24 X 7 Call Centre with Number Bhima Mitras positioned in all 34 Mandals. This is the first of its kind insurance scheme ever implemented by a Poor People Organization empowering poor people to managing their own assets and to mitigate risk. The scheme is open to all the SHG women owning Milch Animals. (Buffalo cow) on payment of 4% of cost of the Animal as premium (Now Zilla Samakhya has decided to reduce premium to 2.5%).(We have 1,08,000 Animals owned by SHG Women in Vizianagaram District) The scheme is piloted in the district during 2006 and 2007 before being up scaled during the current year. Now we have Animals enrolled and an amount of Rs. 1,69,56,808/- (1.70 crores) is collected as a premium. So far all the claims reported have been settled with in the stipulated time (average claim settlement period is 4 days). To these beneficiaries in addition to the sum insured Mandal Samakhya is giving Rs. 10, 000/- more as loan from recycled CIF to purchase new animals. The United India Insurance Company impressed with this Scheme and its transparency has conducted field verifications and decided to reinsure the entire state animal at around 2% premium cost and settlement of claims on the same lines of Zilla Samakhya, Vizianagaram. PROGRESS Enrollment Claims Received % of Claims

31 N P M (Non Pesticide Management) NPM Programme started in Vizianagaram in the year covering wide variety of crops from groundnut, paddy to chillies and cotton etc., NPM Programme implemented in 44 clusters of 18 Mandals. 7 NGOs are selected to work under NPM Programme in Vizianagaram district. Programme running in 27 NGO Clusters and 17 Mandal Samakhya Clusters of formers and 82,772 acrs of land covered under NPM. For effective implementation of NPM 1150 Sasya Mitra Groups and 1150 Former Field schools are formed. 225 Village Activists are identified and working under NPM. 869 Farmer Field Schools conducted as on date. There are 65 NPM hiring centres, 44 NPM Shops, 115 EGS Vermi compost Units, 65 Seed Bank Villages and 838 Seed Bank Farmers in Vizianagaram. Registration fee collected from the farmers : Rs. 2,23,010/- VILLAGE NIRMITH KENDRAS (VNKs) 17 Block Making Machines sanctioned and purchased under Village Nirmith Kendras worth of Rs lakhs. Out of 17 machines 13 machines are working and 1,73,955 bricks were produced. 76,700 Bricks issued to INDIRAMMA Beneficiaries, Rs lakhs of cumulative Value of blocks issued to beneficiaries. Rs lakhs paid to Village Organisations. For effective implementation of programme 25 CRPs are positioned (10 men, 10 women, 5 Book Keepers) 7 No. of centering units were sanctioned. MARKETING Marketing Programme started in Vizianagaram District in the year purchase centres are established in Vizianagaram i.e., Badangi, Jami, Vepada, Bhogapuram, GL Puram and Pachipenta. 8 SHG members are selected as State Marketing CRPs. CRPs working in 5 to 6 mandals. Out of 8 CRPs, 2 State CRPs selected for the training of MBA Course on Marketing at SERP. 63 Quintals of Redgram purchased under marketing programme at Duribili village of Kurupam Mandal Samakhya in the year

32 17 Quintals of Dry Mirch purchased at Golladi VO of Badangi Mandal. 2 CRPs selected to impart training to the members of other states i.e., Delhi and Maharastra. Sl. No. Commodity Quantity (in Qtls) Amount (Rs. In lakhs) 1 Maize Paddy Ground nut Tamarind Brooms (bundles) 6 Adda leafs 300 (bundles) 0.48 DAIRY 25 Villages are identified for the collection of milk in Pusapatirega Mandal. Out of 25 villages 10 Village Dairy Committees are trained at Simhadri Dairy, Pendurthi on testing on Garble Machines. 25 Garble Machines purchased and installed at Village Dairy Committees to test milks worth of Rs. 66,525/-. 20 EMT Machines received from AP Dairy for free of cost. And 8 were installed. 2 members were trained on EMT Machines at AP Dairy, Head Officer, Hyderabad. External CRPs of Mahaboobnagar and Srikakulam visited to Vizianagaram District to follow the process of milk collection. Per day milk procurement is 800 liters. It will increased to 1500 by Nov, 2008 and 2500 liters by Mar, 2009 from one Mandal where the 1 st bulk cooling centre will be commissioned. 9 Bulk cooling centres will be established subsequently. As on date the cumulative procurement of milk is 43,009 liters worth of Rs lakhs. Village Organisation members earned Rs. 3,370/- as commission in 4 Villages.

33 Sl. No. EDUCATION A target of 400 students has been fixed to Vizianagaram district for admission of SSC Passed students in Private /Corporate Junior colleges for the Academic Year Students have been admitted to the Corporate Jr Colleges. The following is the Caste-wise break up of the students admitted. Name of the College Campus No. of candidates admintted Social Category GENDER GROUP SC ST BC OC M F MPC BIPC 1 NARAYANA Vizianagaram NARAYANA Visakahapatnam TOTAL Rs lakhs released to Narayana College management through Zilla Samakhya towards payment for Books and Pocket 3,000/- per head for 233 candidtes and Rs lakhs released towards tution fees for 223 candidates. (10 are dropouts) BUILDINGS TO VILLAGE ORGANISATIONS / MANDAL SAMAKHYAS / ZS Government of Andhra Pradesh has decided to construct buildings to VOs with an intension of strengthening the institution of poor and to give them proper recognition on par with PRIs. According the Government of Andhra Pradesh has sanctioned Rs laks for construction of VO building in every panchayth and foundation stone have been laid by Hon ble Public Representative to all VOs in 335 panchayats under Phase II Indiramma programe duing INTINTA INDIRAMMA Programme from to Buildings have been sanctioned to the Mandal Samakhyas not having perminant Rs lakhs for each building. Rs lakhs has been sanctioned to construct building to Zilla Samakhya.

34 HEALTH & NUTRITION Health & Nutrition Pilot Mandals : S.Kota & Mentada Particulars District Total S.Kota Mentada No. of Village Organizations Health Risk Fund Released 66 Lakhs 36 Lakhs 30 Lakhs No. of VO s with Savings Total Amount of Health Savings 8,63,640 4,18,320 4,45,320 No. of Members doing Health savings No. of Members Benefited by HRF Total amount utilized as loan 28,62,500 12,58,000 16,04,500 Total Repayment Amount 14,32,000 6,14,500 8,18,500 No. of Nutrition Centres Emerged Pregnants enrolled as on date Lactating enrolled as on date Present Strength of Pregnant Present Strength of Lactating Health & Nutrition Trainings: VO Level : Conducting regular 2day trainings to all SHGs in VO on Health & Nutrition Health Activists conducting regular trainings to beneficiaries at Nutrition Centres. Mandal Level: 2 day training twice in a month 2 day training to VHSCs on monitoring of Health & Nutrition interventions of the Village. 2 day training to internal CRPs of CRP Villages on continuation of CRP Strategy. 2 day training to external CRPs 1 day review on training to Health & Nutrition Staff. ZS Level: 4 day training to Mandal & ZS Health Sub Committees on monitoring of Health Nutrition interventions at Mandal & Village Level. Trainings at Jamkhed :

35 36 Health Activists, 43 VHSC Members, 3 PRI members of 5 youth members of CRP Villages of got trained at Jamhed on Health & Nutrition interventions. MONITORING OF HN INTERVENTIONS: Village LeveL: 5 Member Village Health Sub Committees of 66 VOs monitoring the following HN interventions of the village. Health savings, Loans Repayments Traings to SHGs by Health Activist as on schedule. Personal & environmental heigne aspects. Mandal Level : 5 Member Mandal Health Sub Committee is monitoring Village & Mandal Level Health & Nutrition interventions and field functionaries. District Level: 5 Member District Health Sub Committee is monitoring functioning of village & Mandal Level Health Sub Committees and HN interventions of the District. CONVERGENCE: Mandal Samakhya Health Sub Committee is coordinating with Medical & Health Department and conducted Medical Camp at Maleria Prown areas of 2 Mandals. Conducting fixed Health Nutrition Days as per schedule and in specified procedure at the place comfortable to POP & Poor in Coordination of VO Health Sub Committee. ANM & AWW attending to Nutrition Centres once in a Week and guiding in coordination practices & training to Members. ANM & AWW attending to the VO Meetings and sharing their problems in conducting Health & Nutrition days and arriving to solutions in the interest of benefit to POP & Poor. INTENSIVE APPROACHES: CRP Strategy: CRP strategy initiated in 10 VOs as a result 9 Nutrition Centres emerged 45 External Health CRPs developed All the SHGS & VOs started Health & Nutrition as Agenda started addressing their Health Problems. All the members participating in Health Savings Every Member started utilizing HRF for their needs

36 Health expenditure of the members getting reduced due to the awareness by regular trainings. NH days are being conducting regularly Regular cleaning activities are taking up by the Health Sub Committee Internal CRPS held responsible for continuation of CRP Strategy LAND Progress on Land Access: On the advent of Legal Assistance Programme For Poor (Land) L.A.P.L. Programme and introduction of Paralegals and Community Surveyors in Indira Kranthi Patham Land Access, the following are the remarkable tasks taken up in the District. SUB DIVISION WORK: During 2 or 3 decades back, provisional pattas were given indicating the Survey Number as part, pending S.D. Work and under uninterrupted Sivaijama cultivation. The following are some of the specific issues which have been prepared to cater the need of pro-poor. Sl.No. Name of the Mandal 1. Merakamudidam Name of the Village Bheemavaram Pativadapeta H/o Chinabantupalli No. of Beneficiaries 90 SCs 180 BCs, SCs Extent Covered (in Ac.s) Garugubilli Sambannavalasa 83 STs Badangi Kotipalli 309 BCs, SCs Poosapatirega Kovvada 25 SCs TOTAL Apart from the above, 207 POT cases covering an extent of Ac was identified & solved 158 Pothy cases covering an extent of Ac cents was resolved by getting them incorporated in the concerned revenue records, 78 Pattadar Pass Books and Title Deeds covering an extent of Ac cents were got issued under ROR Act and position of assigned land to 111 beneficiaries covering an extent of Ac cents was handed over to the assignees with the convergency and cooperation of Revenue Department by the IKP land unit.

37 II) Physical Inventory: As per the instructions of the Principal Secretary to Government, Rural Development and Chief Executive Officer, SERP Physical Inventory of Government Lands, Assigned Lands, L.C.C. Lands etc., were taken up by each of the Paralegals and Community Surveyors in their respective mandals and so far ten villages per paralegals was completed by identifying land problems. The Following are the Land Problems identified, solved in the 12 mandals where paralegals are positioned. Total Land Total Land Name of the Problems Problems S.No. Remarks Mandal Identified Redressed No. Extent No. Extent 1. Gantyada Cheepurupalli Poosapatirega Merakamudidam Dattirajeru S. Kota Jami Therlam Seetanagaram Bobbili Badangi Garugubilli TOTAL Individual wise land problems were furnished to the Tahsildar concern through Joint Collector. Note: An extent of Ac cents covering 3496 under land development both under Assigned and Zeriothy Lands of BPL Families identified during inventory of villages was referred to the Project Director, DWMA, Vizianagaram for initiating the scheme. The Balance of land problems identified i.e, Ac cents covering 7098 beneficiaries have been furnished to the Tahsildars concerned for solvation and are awaited. III) Convergence of I.K.P. with Revenue Department: Government in it s G.O. Ms. No Dt issued orders for convergence between revenue and APRPRP (SERP) to achieve the following objects. To Ensure Physical Possession of the lands to the poor. To Ensure Legal rights over the lands assigned including incorporation of necessary changes in the revenue records.

38 To Ensure Legal ownership which are under Sivaijamadar occupations and assignable. Government constituted State Level, District Level, Divisional Level and Mandal Level Committees. The District Level Committees will be under the Chairmanship of Joint Collector and shall meet every month. The Divisional Level Committee shall be under the chairmanship of Revenue Divisional Office and to meet every month. And the Mandal Level Committee will be under the chairmanship of Tahsildar concerned and to meet every month. IV) Constitution of District Level (Zilla Samakhya) and Mandal Level (Mandal Samakhya) Land Sub-Committees: Land Committee Consisting 3 members have been constituted at Zilla Samakhya Level and the 12 selected mandals where paralegals are positioned. V) Awareness on Land Records and Land Access: The SERP, Hyderabad has conducted workshop at District and State Level, evaluated process guidelines, got printed (Kara Deepikas) on the following subjects. Fully supplied to the Tahsildars, V.R.Os in the District. 1) Assignment 2) Assignment in Telangana Area 3) POT Act (u/p) 4) R.O.R. Act 5) Land Ceiling 6) Inams in Telangana 7) Sadabainama 8) Survey VI) Action Plan For : The SERP, Hyderabad has proposed to take up EGS on the Assigned and own land of BPL families and Cheepurupalli Mandal was proposed to take up as a Model Mandal. The SERP has also proposed to conduct workshop on these issues on 24 th & 25 th October 2008 at Hyderabad. To take up fortnightly review meeting with paralegals and community surveyors for two days on 1 st, 2 nd and 16 th, 17 th every month at TTDC, V.T. Agraharam. There is a separate land unit constituting of Land Manager (Rtd. Tahsildar), Legal Co-ordinator for T.P.M.U Mandals stationed at Parvathipuram under the Zilla Samakhya.