World Bank Supervision Mission



Similar documents
Community Investment Fund (CIF)

World Bank Supervision Mission

Project Director DRDA-IKP, Nizamabad

Brief Note on SHG Bank Linkage, TFI and Bridge Loans

7.2. Insurance and Investments

World Bank Supervision Mission

Role of Self-help Groups in Promoting Inclusion and Rights of Persons with Disabilities

Selfhelpgroups - Default Management and Recoveries: A Study among the Scheduled Caste Women in Andhra Pradesh and Telangana

NOTES FOR WORLD BANK MISSION

Walk in Interview for the empanelment of State Master Trainers

Giripragathi Project End Report: Assessment of Health and Nutrition Interventions

INDIRA KRANTHI PATHAM DRDA, RANGA REDDY DISTRICT NOTES FOR WORLD BANK MISSION VISIT IKP-DRDA, RANGA REDDY DISTRICT

भ रत य ज वन ब म ननगम

GOVERNMENT SPONSORED PROGRAMMES

A STUDY ON OWN FUND REVENUE GENERATION THROUGH COMMON PROPERTY RESOURCE MANAGEMENT IN MADANMOHANPUR GRAM PANCHAYAT, WEST BENGAL

INDIRA KRANTHI PATHAM DRDA, ADILABAD NOTES FOR WORLD BANK MISSION VISIT IKP-DRDA, ADILABAD

APPENDIX 1 QUESTIONNAIRE TO BENEFICIARIES PLEASE ANSWER FOR THE FOLLOWING QUESTIONS, YOUR IDENTITY IS GUARDED. PLEASE FEEL FREE TO GIVE YOUR COMMENTS.

SOCIAL SECURITY AND PENSIONS IN INDIA

DISTRICT RURAL DEVELOPMENT AGENCY KRISHNA DISTRICT INDIRA KRANTHI PATHAM RPRP & SGSY

Employment through Skills Training & Placement

GOVERNMENT OF ANDHRA PRADESH ABSTRACT

Village Upliftment Programme Six Month Report. Amainthakarunai, Tamil Nadu, India

Economic empowerment through concessional finance and micro-credit facilities for socio-economically marginalized sections

Insurance in India LIFE INSURANCE CORPORATION OF INDIA

Guidelines for setting up of Block Resource Centres (BRCs) for National Rural Drinking Water Programme (NRDWP) and Total Sanitation Campaign (TSC)

CHAPTER - Vll. Need for the study. Findings. Conclusions. Suggestions. Conclusion

EVALUATION STUDY OF INTEGRATED RURAL DEVELOPMENT PROGRAMME (IRDP)

D]N'F G\ov!Z The manner of execution of subsidy programmes, including the amounts

WOMEN's EYE VIEW -CCD s m a l l c h a n g e, B I G D E A L S

Department for Women, Children, Disabled and Senior Citizens (erstwhile Women Development, Child Welfare and Disabled Welfare Department).

Atal Pension Yojana (APY) 1 Details of the Scheme. 1. Introduction

Sheep Farming. 1. Introduction. 2. Scope for Sheep Farming and its National Importance

SUSTAINABLE EMPOWERMENT MODEL FOR GENDER MAINSTREAMING IN MARINE FISHERIES OF KERALA

Global South-South Development EXPO 2014

SUSTAINABLE LIVELIHOODS AND FOOD SECURITY UNDER CHANGING CLIMATE IN DRY AREAS

Agricultural Machinery Custom Hiring Centres (CHC) Model Scheme

om Andhra Pradessh e, 2012

TABLE OF CONTENTS SL CONTENT PAGE NO. 1 INTRODUCTION 1 2 OBJECTIVE OF SCHEME 1 3 BENEFITS OF SCHEME 2 4 ELIGIBILITY OF SCHEME 2 5 INSURANCE COVERAGE

National Agricultural Insurance Scheme (NAIS) (Rashtriya Krishi Bima Yojana - RKBY)

THE AGRICULTURAL PRODUCE (REMUNERATIVE SUPPORT PRICES AND MISCELLANEOUS PROVISIONS) BILL, 2012

DRC Emergency Food Program. FY14 Quarter 1 Report (1 October 31 December 2013) Award Number: AID-FFP-G

Total Business at 8.08 lakh crore Net Profit for Q2 at 529 crore

Credit Risk. Loss on default = D x E x (1-R) Where D is default percentage, E is exposure value and R is recovery rate.

SELF HELP GROUP Programme

United Bank of India, Head Office: Kolkata Rate of interest Chart on various categories of loans and advances

NREGA for Water Management

FROM SOCIAL PERFORMANCE ASSESSMENT TO MANAGEMENT: CASE OF ESAF MICROFINANCE AND INVESTMENTS PRIVATE LTD., INDIA

IN THE SUPREME COURT OF INDIA CIVIL ORIGINAL JURISDICTION WRIT PETITION (CIVIL) NO.196 OF People s Union for Civil Liberties Petitioner (s)

Dairy Farming. 1. Introduction. 2. Scope for Dairy Farming and its National Importance. 3. Financial Assistance Available from Banks for Dairy Farming

Presentation on Crop Insurance by P. Nagarjun Ex. General Manager AIC Technical Consultant / OSD, Department of Agri. Govt. of A.P.

Programme would like to appoint personnel on contract basis for following posts. 1 Additional Programme Director 01 Rs. 9,00,000/-

Skills for Youth Employment

Entrepreneurship and Small Business- A Study with Reference to Women Self Help Groups

A.P. Government Life Insurance Scheme

i) Revised Rate of Interest structure for MSE advances w.e.f : a. Advances to Micro & Small Enterprises covered under CGTMSE

Can Entrepreneurship Programs Transform the Economic Lives of the Poor?

SOCIAL PROTECTION LANDSCAPE IN GHANA. Lawrence Ofori-Addo Deputy Director, Department of Social Welfare LEAP Coordinator Ghana

1 BACKGROUND. 1.1 Polytechnic Education An Overview

Question 1: What does NSAP stand for and when was it launched?

Jharkhand State Livelihoods Promotion Society (JSLPS)

Budget Financial Inclusion - Guidelines for Financial Inclusion Promotion Fund and Financial Inclusion Technology Fund

THE XVI GLOBAL CHILD NUTRITION FORUM ON SCHOOL FEEDING COMMUNIQUÉ

Note: The paid up value would be payable only on due maturity of the policy.

REQUEST FOR EXPRESSIONS OF INTEREST (CONSULTING SERVICES - FIRMS SELECTION)

Application for availing Working Capital Assistance/Margin money

Position Actual Qualification for the position Salary per month (in Rs.)* Minimum Experience: 4 years of experience in similar field

Rural Women Empowerment and Entrepreneurship Development

Annexure I STATE BANK OF IDNIA APPLICATION FORM FOR BUSINESS FACILITATORS (INDIVIDUALS)

GUIDELINES FOR IDENTIFICATION OF ELIGIBLE HOUSEHOLDS TO RECEIVE FOOD GRAINS AT SUBSIDIZED PRICES UNDER NATIONAL FOOD SECURITY ORDINANCE 2013

Hey, what is Human Resource?

POLICY INOPERATIVE AND UNCLAIMED ACCOUNTS

Short note on Micro Finance Institutions (MFI) bill A. Amarender Reddy

Investment by foreign direct investors in to Insurance company is restricted to 12% 25% 40% 26%

No. J-11011/2/2008-NREGA Government of India Ministry of Rural development NREGA Division

Short title, extent and commencem ent

Written Contribution on General Discussion on Rural Women. Submitted by Self Employed Women s Association - SEWA

Direct Benefit Transfer and Financial Inclusion Learning from Andhra Pradesh

Scheme for Financing the SHGs/Minority Artisans/Individuals through NGOs/Co-operative Societies/Trusts

Cambodian Youth Development Centre (CYDC)

Sectors of the Indian Economy

A.P. Government Life Insurance Fund Rules

How To Audit The Smallholder Plantations Entrepreneurship Development Programme

2. Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA)

CHETANA COLLEGE OF SPECIAL EDUCATION

FORM - I SECTION A (General Information)

COMPENSATION POLICY. The policy is based on the principles of transparency and fairness in the treatment of customers.

Government of India Ministry of Tribal Affairs

The Tamilnadu Industrial Investment Corporation Limited, 692, Anna Salai, Nandanam, Chennai FREQUENTLY ASKED QUESTIONS (FAQs)

The interest factor depends on the perceived risk factor by the banks, past track, growth and profitability trends and the industry profile.

not to be republished NCERT A Shirt in the Market

Can Entrepreneurship Programs Transform the Economic Lives of the Poor?

TERMS OF REFERENCE For Web Development and Management

Are Banks and MFIs Natural Partners in Financial Inclusion A Report by Microsave

Terms of Reference Concurrent Monitoring of Mid Day Meal (MDM) in Odisha

MINISTRY OF ENVIRONMENT AND FORESTS NOTIFICATION. (a) Act means the Public Liability Insurance Act, 1991(16 of 1991);

RULES FOR THE PRADHAN MANTRI SURAKSHA BIMA YOJANA

A review of agricultural and monsoon conditions

IN SCHOOL AND WORKING CHILDREN

Government of India Ministry of Labour and Employment

Transcription:

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

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 - 07 22.RB Puram - 13 23.Badangi - 14 24.Therlam - 15 25.Gajapathinagaram - 19 26.Nellimarla.- 24 27.Denkada - 27 28.L.Kota - 32 4 th PHASE :- (Apr, 2003) 29. JAMI 30. GANTYADA. 31. BOBBILI 32. SEETHANAGARAM 33. GARUGUBILLI. 34. PARVATHIPURAM.

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 180699 173994 82582 48690 No. of HH POP POOR NSP NP POP POOR NSP NP TOTAL DPMU 56,463 139,208 147,104 41,799 384,574 TPMU 26,119 41,491 26,890 6,891 101,391 TOTAL 82,582 180,699 173,994 48,690 485,965

APL 46% BPL 54% DPMU SC ST BC OC TOTAL POP 8,861 3,448 41,156 2,998 56,463 Poor 17,343 5,812 108,332 7,721 139,208 Non Poor (M) 10,103 2,840 121,565 12,596 147,104 Non Poor (R) 2,167 544 29,936 9,152 41,799 TOTAL 38,474 12,644 300,989 32,467 384,574 TPMU SC ST BC OC POP 3,986 11,321 9,874 938 26,119 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) 514 909 3,884 1,584 6,891 TOTAL 12,337 34,503 47,428 7,123 101,391 DISTRICT AT A GLANCE Sl. No. Particulars DPMU TPMU TOTAL 1 No. of Mandals covered 26 08 34 2 No. of Revenue Villages 921 627 1548 3 Total Households in the district 384574 101391 485965 4 BPL Households as per PIP 195670 67610 263280 5 No. of white ration card holders 369283 84366 453649 6 No. of SHGs 20,218 5441 25659 7 Village Organisations 978 273 1251 8 No. of VOs Registered 978 264 1235 9 No. of MSs formed 26 08 34 10 No. of MSs Registered 26-26 11 Mandal Vikalangula Samakyas 03-03

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.

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 work @ 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.

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. 2005-06 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 2001-02 433 660 146 1 1240 8073779 80.74 2002-03 2434 1546 5415 175 9570 52002453 520.02 2003-04 2077 719 7645 350 10791 59092791 590.93 2004-05 1937 915 9099 592 12543 26716712 267.17 2005-06 9129 1434 9325 457 20345 75034411 750.34 2006-07 346 26 1337 1299 3008 15696000 156.96 TOTAL 19623 5472 36907 3664 65666 249483274 2,494.83 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 56 4 65 453 IG 1,203,105 328 2 AGRL. INPUTS 91 23 1,215 27 1,356 IG 2,829,480 3 BAMBOO BASKET 42 528 34 604 IG 1,862,103 4 BANANA CULT 24 114 138 IG 263,410 5 BARBER SHOP 3 54 7 64 IG 182,830 6 BOREWELL 37 20 46 103 IG 623,160 7 BRICK MAKING 62 10 1 317 IG 1,195,010

INCOME GENERATING ACTIVITY Sl. No ACTIVITY SC ST BC OC PHC TOTAL TYPE RELEASED 244 8 BUFFALOES 12 44 56 IG 496,120 9 BULLOCK CART 15 10 BULLOCKS 179 60 116 298 33 164 IG 804,090 1 538 IG 2,470,740 11 BUSINESS TOTAL 758 135 2,004 202 3,099 IG 11,589,157 12 CANAL 16 16 IG 97,000 13 CARPENTRY 1 96 1 98 IG 419,965 14 COWS 35 70 9 114 IG 1,002,150 15 16 MM PROJECT 3 3 IG 9,800 16 DAIRY 6,693 696 6,385 305 33 14,112 IG 101,114,841 17 DPIP RELEASED (TPMU) 198 645 79 922 IG 5,684,915 18 DUCK REARING 7 6 3 16 IG 39,200 19 FISH BOATS 210 210 IG 1,201,330 20 FISH NETS 35 35 IG 158,480 21 FISH VENDING 52 69 921 2 1,044 IG 2,359,606 22 FISHER MAN UNITS 12 12 IG 48,600 23 FOOD SECURITY 293 197 4,182 157 4,829 IG 1,766,733 24 GOLD SMITH 2 2 IG 8,820 25 HORTI CULTURE 44 44 IG 154,000 26 KEROSINE ENGINE 56 4 27 KIRANA 66 18 287 469 15 362 IG 1,589,874 155 708 IG 2,311,835 28 LAND DEVELOPMENT 8 7 15 30 IG 148,400 29 LAUNDRY 30 MANGO GELLY MAKING 164 164 IG 461,930 12 12 75,870 31 MEDICAL PLANTS 178 3 181 IG 92,285 32 MUSICAL BAND 35 35 IG 134,070 33 NTFP 76 8 84 IG 187,040 34 OIL ENGINE 2 3 49 14 68 IG 317,870 35 ORCHED BUSIENSS 46 185 12 243 IG 1,015,000

Sl. No INCOME GENERATING ACTIVITY ACTIVITY SC ST BC OC PHC TOTAL TYPE RELEASED 36 ORCHED BUSINESS 15 48 63 IG 220,500 37 PETTY TRADES 3,798 581 4,733 228 44 9,384 IG 31,552,585 38 PETTY TRADES (DISABLE) 45 2 376 25 448 IG 2,100,150 39 PISCI CULTURE 15 15 IG 48,500 40 POTTERY 1 3 4 IG 12,350 41 POULTRY 36 13 57 106 IG 343,680 42 RAM LAMBS REARING 46 46 IG 185,190 43 RICKSHAW 98 3 1 102 IG 398,390 44 SHEEP REARING 1,614 1,141 3,723 46 22 6,546 IG 27,371,083 45 SKINS & HIDES 393 2 2 397 IG 1,622,985 46 STD BOOTH 2 10 12 IG 53,080 47 STONE CUTTERS 63 3 66 IG 220,480 48 TAILORING 29 1 130 17 177 IG 710,996 49 TODDY TAPING 35 35 IG 116,900 50 VEG. GROWING 71 3 51 VEG. VENDING 52 WEAVERS 772 495 12 581 IG 1,769,740 84 1,051 77 1,984 IG 4,804,215 252 252 IG 879,400 0% 7% IG INFRA SOCIAL FINANCIAL IG - Rs.23.20 Crores. Infra - Rs.00.12 Crores Social - Rs.01.62 Crores 93 % 17% Total - Rs.24.94 Crores 2% 81%

SOCIAL DEVELOPMENT ACTIVITY Sl. No. ACTIVITY SC ST BC OC PHC TOTAL TYPE RELEASED 1 BRIDGE SCHOOL 50 20 130 200 S 756,120 2 COMPUTER EDUCATION 4 105 24 3 136 S 44,048 3 CRECHE 29 71 43 10 153 S 97,190 4 Grahanam Morry & Minaral Mixure 5 GUM KARIYA 4 36 5 41 S 883,400 238 1 243 S 186,859 6 HEALTH RISK FUND 31 40 58 3 132 S 285,120 7 HEALTH SP 64 104 125 33 326 S 504,579 8 HEALTH&NUTRITION 53 108 362 4 527 S 250,562 9 HEALTH&NUTRITION CRECHE 10 10 S 9,800 10 SCHOOL FOR DISABLED 60 60 S 104,000 11 SOUKARYAM PROTECTED WATER 12 SUPPLY TOYS & TEACHER,AAYA 13 REMUNERATION 3,267 172 3,940 790 8,169 S 12,867,128 80 760 840 200,000 45 45 S 19,250 14 VERMIN COMPOST 14 2 72 88 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. 598.14 crores.

Sl. No. INFRASTRUCTURE ACTIVITY ACTIVITY SC ST BC OC PHC TOTAL TYPE Amount (Rs.) 1 AGRL IMPLEMENTS 11 153 4 168 Infra 98,727 2 CHECK DAM 3 COMMUNITY HALL 29 251 280 infra 742,800 503 503 Infra 60,000 4 COMMUNITY SHED 63 63 Infra 5,000 5 CULVERT 36 36 Infra 67,500 6 MI TANK 12 22 150 184 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.

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.

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 1 2 3 4 5 6 7 8(4+6) 9(5+7) 10(8+9) 11 12 13(11+12) 14(8-11) 15(9-12) 16(3-11) 17(11/8* 100) 18 19(16+18) 21 1 Vizianagaram 13799213 0 5954 65441 29238 65441 35192 100633 65441 30636 96077 0 4556 13733772 100 0 13733772 182001 Loan Outstanding Recovery % New Loans (Rs) Total Loan CIF Bank Balance S L N o 2 Gajapatinagaram 8919354 0 0 92790 40235 92790 40235 133025 92790 40235 133025 0 0 8826564 100 400000 9226564 63774 3 Bondapalli 12689267 0 0 129734 41736 129734 41736 171470 129734 41736 171470 0 0 12559533 100 600000 13159533 340590 4 Mentada 14148646 0 0 142820 68493 142820 68493 211313 142820 68493 211313 0 0 14005826 100 200000 14205826 256741 5 Ramabadrapuram 7802377 0 0 110486 45221 110486 45221 155707 110486 45221 155707 0 0 7691891 100 700000 8391891 212042 6 Seetanagaram 9104067 0 63 90472 43832 90472 43895 134367 90472 43895 134367 0 0 9013595 100 0 9013595 241906 7 Garugubilli 10400885 0 0 78659 40200 78659 40200 118859 78659 40200 118859 0 0 10322226 100 0 10322226 235338 8 Dattirajeru 15599675 0 0 113630 54594 113630 54594 168224 113630 54594 168224 0 0 15486045 100 200000 15686045 198945 9 Bobbili 9000370 0 6910 102439 36210 102439 43120 145559 102439 43120 145559 0 0 8897931 100 0 8897931 223371 10 Vepada 10931406 0 0 105898 53056 105898 53056 158954 105898 53056 158954 0 0 10825508 100 150000 10975508 28097 11 L Kota 8258448 0 0 73164 35401 73164 35401 108565 73164 35401 108565 0 0 8185284 100 280000 8465284 110200 12 Jami 9000761 0 0 98939 40118 98939 40118 139057 98939 40118 139057 0 0 8901822 100 120000 9021822 24050 13 Gantyada 8285132 0 0 75834 36691 75834 36691 112525 75834 36691 112525 0 0 8209298 100 250000 8459298 13580 14 S Kota 9051405 0 0 86194 42707 86194 42707 128901 86194 42707 128901 0 0 8965211 100 120000 9085211 30332 15 Kottavalasa 10506329 0 0 110159 45619 110159 45619 155778 110159 45619 155778 0 0 10396170 100 150000 10546170 43978 16 Bogapuram 10900220 0 0 99999 53251 99999 53251 153250 99999 53251 153250 0 0 10800221 100 150000 10950221 70684 17 Pusapatirega 8882060 0 0 85887 41164 85887 41164 127051 85887 41164 127051 0 0 8796173 100 100000 8896173 127712 18 Denkada 9673128 0 0 84142 41640 84142 41640 125782 84142 41640 125782 0 0 9588986 100 200000 9788986 221484 19 Garividi 9488246 0 0 87019 41730 87019 41730 128749 87019 41730 128749 0 0 9401227 100 0 9401227 601412 20 Badangi 8453448 0 0 117709 48030 117709 48030 165739 117709 48030 165739 0 0 8335739 100 0 8335739 370676 21 Gurla 10101707 0 0 98853 46895 98853 46895 145748 98853 46895 145748 0 0 10002854 100 126000 10128854 274106 22 Cheepurupalli 11170982 0 0 108502 47156 108502 47156 155658 108502 47156 155658 0 0 11062480 100 200000 11262480 329657 23 Balijipeta 10257584 0 0 88665 42589 88665 42589 131254 88665 38846 127511 0 3743 10168919 100 0 10168919 283413 24 Merakamudidam 10010993 0 0 99620 47003 99620 47003 146623 99620 47003 146623 0 0 9911373 100 0 9911373 265952 25 Terlam 9223215 0 0 86556 42014 86556 42014 128570 86556 42014 128570 0 0 9136659 100 0 9136659 310903 26 Nellimarla 9756559 0 0 84781 39378 84781 39378 124159 84781 39378 124159 0 0 9671778 100 150000 9821778 242222 Total 265415477 0 12927 2518392 1144201 2518392 1157128 3675520 2518392 1148829 3667221 0 8299 262897085 100 4096000 266993085 5303166

SHG BANK LINKAGE Sl.No. Year No. of Groups Linked Am ount (Rs. in Crores) Per Group Lending 1 1999-2000 220 0.39 18,000 2 2000-2001 1,614 1.92 12,000 3 2001-2002 4,459 6.78 15,000 4 2002-2003 4,742 15.01 32,000 5 2003-2004 8,963 27.13 30,000 6 2004-2005 10,291 48.68 47,000 7 2005-2006 10,665 87.16 81,700 8 2006-2007 13,499 195.71 145,000 9 2007-2008 13,937 256.36 183,000 10 2008-2009 ( as on Sep) 9,008 13,403.11 172,000 19571 25636 8716.91 1999-00 39.6 192.06 2000-01 678 2001-02 4868.39 2713.09 1501.33 2002-2003- 2004-03 04 05 2005-06 2006-07 2007-08 o Per Group linkage increased from Rs.15,000/- during the year 2001-02 to Rs. 1.83 lakhs during 2007-08. 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

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 - 22,594 21.48 Under Normal Linkage - 19,129 14.05 Under Recycling of CIF - 2,621 1.59 Total - 44,343 37.12 % of Achievement - 78.96% Leftover members - 11,814 (DPMU-5921, TPMU-5893)

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) - 21,790 24.56 TPMU - 1,328 1.47 TOTAL - 23,118 26.03 Cores % of Achievement - 20.75% 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 50-60 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 15-25 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.

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.

BACKGROUND The Food Security Programme is a unique progamme started in the name of RICE CREDIT LINE in Vizianagaram District in the year 2001-02. 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 2002-03 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 10-15 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

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

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 1200 3 No.of SHGs 10816 4 No.of Beneficiaries & Families 139276 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 2004-05 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

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 2004-05 4954 40.01 2 2005-06 15755 173.17 3 2006-07 19218 396.32 4 2007-08 (1 st Half Year) 20,600 445.50 TOTAL AMOUNT SPENT 1055.00 2007-08 (1 st Half Year Requirement) 24,957 531.00 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.

RAJIV UDYOGSREE 2007-08 SGSY RIAD TOTAL Target - 2619 1871 (SGSY 650) 4490 Achievement - 3199 1782 (SGSY 483) 4981 2008-09 (for half year) SGSY Target - 2500 Achievement - 1,826 (on going 1,130) Sector Target Achievement ongoing IKP LABS 250 123 290 Security 100 309 30 Textiles 500 724 430 English WRP 300 357 65 Dist Model 300 135 15 Tally 150 - - Sky Lark 200 72 90 Construction 400 106 210 Gems & Jewellery 300 - - Total 2,500 1,826 1,130

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 3 31 8 42 2 No. of Disabled Groups formed 246 473 251 970 2 No.of Disabled persons organised into SHGs 1606 3382 1596 6584 3 No.of Mandal Vikalangula Samakhyas formed 3 0 0 3 No.of PWDs received CIF (2005-06 & 2006-07) 595 1268 31 1894 4 No. of Disabled Groups received CIF 115 297 4 416 5 Amount of CIF Received by PWD Groups 47.19 75.52 1.55 124.26 6 Bank Loans received by PWDs Groups 54 118 0 172 7 Amount of Loan 26.44 42.32 0 68.76 8 SGSY Groups 48 51 99 9 SGSY Amount 24.80 26.49 51.29 SGSY Individuals 205 205 11 Amount 12.80 12.80

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 5162 3250 3743 1018 5714 11522 TPMU 1572 625 892 312 1672 2897 Total 6734 3875 4635 1330 7386 14319 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, 2007. 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) 1 2000-2001 40590 2 2001-2002 54807 3 2002-2003 61629 4 2003-2004 61629 5 2004-2005 59502 6 2005-2006 64842 7 2006-2007 83835 8 2007-2008 157163 9 2008-2009 281,508

Sl. Type of INDIRAMMA INDIRAMMA Grand REGULAR No pension (I&II) Phase III Total 1 OLD AGE 64,619 79,578 32,668 176,865 2 WEAVERS 1,219 1,492 592 3,303 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 63,269 281,508 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 347124 women oganised into 25659 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

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 250000 200000 2003-04 26,853 82 16,50,000 2004-05 51,178 226 46,32,500 2005-06 64,929 313 66,20,000 2006-07 75,049 245 53,70,000 2007-08 221000 615 1,65,90,000 221000 TOTAL 3,48,62,500 150000 100000 50000 0 26853 82 51178 226 64929 313 75049 245 2003-04 2004-05 2005-06 2006-07 2007-08 Enrolment Settled 615

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 ITI @ Rs.,1200/- per child per year of the member insured not exceeding two children per member. During the year 2006-07, 7,748 children of SHG women were sanctioned scholarships worth Rs.92.97 lakh. During the year 2007-08, 16,780 children of SHG women were sanctioned scholarships worth of Rs. 173.01 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 48-72 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.

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 92.97 lakhs was transferred as education scholarship to children of SHG members insured in the program.

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 18-59 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 (2008-09) 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

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 9701115588. 34 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 48719 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 2005-06 2006-07 2007-08 Enrollment 3519 4756 48675 Claims Received 96 120 170 % of Claims 2.73 2.52 0.35

N P M (Non Pesticide Management) NPM Programme started in Vizianagaram in the year 2006-07 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. 28126 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. 16.15 lakhs. Out of 17 machines 13 machines are working and 1,73,955 bricks were produced. 76,700 Bricks issued to INDIRAMMA Beneficiaries, Rs. 6.10 lakhs of cumulative Value of blocks issued to beneficiaries. Rs. 4.82 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 2002. 6 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 2008-09

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 250 1.75 2 Paddy 31650 160.35 3 Ground nut 500 5.00 4 Tamarind 326 3.95 5 Brooms 2500 0.35 (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. 5.18 lakhs. Village Organisation members earned Rs. 3,370/- as commission in 4 Villages.

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 2008-09. 233 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 146 56 59 28 3 72 74 98 48 2 NARAYANA Visakahapatnam 87 9 63 15 0 71 16 56 31 TOTAL 233 65 122 43 3 143 90 154 79 Rs. 2.99 lakhs released to Narayana College management through Zilla Samakhya towards payment for Books and Pocket money @ 3,000/- per head for 233 candidtes and Rs. 43.00 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. 2.00 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 01-09-2007 to 15-09-2007. 19 Buildings have been sanctioned to the Mandal Samakhyas not having perminant buildings @ Rs. 10.00 lakhs for each building. Rs. 50.00 lakhs has been sanctioned to construct building to Zilla Samakhya.

HEALTH & NUTRITION Health & Nutrition Pilot Mandals : S.Kota & Mentada Particulars District Total S.Kota Mentada No. of Village Organizations 66 36 30 Health Risk Fund Released 66 Lakhs 36 Lakhs 30 Lakhs No. of VO s with Savings 66 36 30 Total Amount of Health Savings 8,63,640 4,18,320 4,45,320 No. of Members doing Health 5940 2711 3229 savings No. of Members Benefited by HRF 3169 1348 1821 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 9 5 4 Pregnants enrolled as on date 46 22 24 Lactating enrolled as on date 64 31 33 Present Strength of Pregnant 17 6 11 Present Strength of Lactating 26 12 14 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 :

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

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) 90.00 180.00 2. Garugubilli Sambannavalasa 83 STs 83.00 3. Badangi Kotipalli 309 BCs, SCs 309.00 4. Poosapatirega Kovvada 25 SCs 25.00 TOTAL 687 687.00 Apart from the above, 207 POT cases covering an extent of Ac. 254.79 was identified & solved 158 Pothy cases covering an extent of Ac. 204.72 cents was resolved by getting them incorporated in the concerned revenue records, 78 Pattadar Pass Books and Title Deeds covering an extent of Ac. 79.86 cents were got issued under ROR Act and position of assigned land to 111 beneficiaries covering an extent of Ac. 172.13 cents was handed over to the assignees with the convergency and cooperation of Revenue Department by the IKP land unit.

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 1072 493.12 4 7.47 2. Cheepurupalli 1064 655.02 111 106.05 3. Poosapatirega 1364 681.13 74 57.38 4. Merakamudidam 1010 977.55 158 47.38 5. Dattirajeru 1023 847.45 121 122.78 6. S. Kota 363 165.91 - - 7. Jami 473 291.05 7 1.81 8. Therlam 1363 791.68 215 243.92 9. Seetanagaram 867 572.71 68 100.55 10. Bobbili 975 571.50 47 56.75 11. Badangi 1076 617.13 254 46.84 12. Garugubilli 1024 529.00 21 24.34 TOTAL 11674 7193.25 1080 815.27 Individual wise land problems were furnished to the Tahsildar concern through Joint Collector. Note: An extent of Ac. 1615.45 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. 4762.53 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. 1148 Dt. 27.12.2002 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.

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 2008-09: 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.