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WEAVING DREAMS -A case of Shree Khodiyar Bachat Mandal, Jamnagar

By : GSWMA

Agriculture contributes nearly 14.5 % of India’s GDP but more than 60% of workforce is workforce depends on agriculture for their livelihood. Hence agriculture is considered as the backbone of India. Being home to more than 17% of world’s population and due to constant increase in population at an alarming rate the pressure on agricultural land is being increasing constantly. On the contrary agricultural land is reducing due to industrialization and growing number of cities, thus creating job opportunities for skilled and unskilled labors. Due to all these reasons and changing life style migration is a major challenge for the rural economy. Although there are different opinions about positive and negative effect of migration, but in long term migration is not a solution. So there is an urgent need to generate alternative employment within the villages to stop migration.

Jamnagar is known as Halar in Saurashtra region. It is situated at the sea coast of Gujarat. Natural calamities like uneven rainfall, drought, and earth quake affect the farmers. Kharachia village of Jodiya block is situated near the sea coast. Total population of the village is 1860 comprising of major communities like Patel, Rajput, Bharwad, Koli and Harijan. Rainfed agriculture is the major source of livelihood in this village. Fadsar, Kharachia, Utbet sampar and Zinzuda are the 4 villages selected under IWMP-10 (Integrated Watershed Management Programme- Fadsar cluster). According to village survey conducted before preparation of Detailed Project Report, after the monsoon season due to lack of work agriculture and casual labors migrates to nearby cities and women were confined to stay back at home without any work. Women could not go for work as per the socially imposed structure. During survey and focus group discussion with the villagers it was elicited that women want to do home based works without hindering their daily household works.

After providing various concepts building training for SHGs, Shree Khodiyar Bachat Mandal was formed with 10 members in May 2012 with monthly small savings of Rs. 300 (@ Rs. 30 per member at Dena Bank, Aamran branch. Before finalizing livelihood activity under IWMP, various group level and village level meeting were conducted by the watershed development team. As there is a predominant demand of the sewing work for the local market and according to the requirement of the group for home based work, sewing activity was selected for this group.

In November 2013 a memorandum of understanding was signed between VWC and SHG to start the activity. Ten sewing machines were purchased at the cost of Rs 6200/- each and Rs. 30000/- for purchasing procuring raw materials from nearby market at Dhrol, Aamran and Morbi.

One month training and workshop programme on sewing activity was arranged by the Project Implementing Agency (DWDU) for imparting necessary skills to the SHG. Other trainings were also conducted in coordination with Vikas charitable trust as per demand of SHG members with support of VWC and WDT members.

Fig. 1 : Training on sewing of Shri Khodiyar Saving Mandal
After implementing the activity there is remarkable growth of their business. Now after 3 months the group is able to earn Rs3000 (approx) per month. The work orders of items like stitching uniform (150 rs/piece), blouse (120 rs/piece), fall (30 rs/item), dress material (100 rs/piece) from nearby blocks has been increasing constantly. The group has also started to make cushion cover (80 rs/piece) and carry bag (30 rs/piece) to sell in their own village and nearby villages.

Fig. 2 : Sewing activity of Shri Khodiyar Saving Mandal

According to the president Jyotiba Parakramsinh Jadeja of Shree Khodiyar Bachat Mandal : “All of us are women residing in Kharachia village belong to other backward caste (OBC). Our literacy level is very low and our family is totally dependent on our husbands, who were the sole breadwinners of our families. Thus, managing the household expenses was always a major problem and we had to slowly cut down our food expenses in order to meet the children’s education expenditure. Now after starting sewing business our economic status has increased as we have started contributing to our family”

This small initiative has brought a great economical and social change in their lives. With the extra source of income the women are not only contributing to their family income but also started lending to other members. The group members have started to participate in the decision making process inside their houses. Even in social gathering and Gram Sabha’s the group has started their participating actively. Considering the escalating demand of the products the group is now planning to expand their business. This micro entrepreneurship is not only helping this village to reduce migration but also acting as a role model for women empowerment.

Contributors: Smit Hingrajiya (Technical Expert), WDT Team (IWMP-10), DWDU Jamnagar

Women Empowerment and Self-sustainability through Watershed Project in LILIYA Taluka

By : GSWMA

Introduction 

Watershed management has emerged as an important intervention for supporting natural resource based livelihood mean in different agro-climatic regions in India and Gujarat. This case study is discussing the high level of community participation in watershed management. This programme is being implemented by the District Watershed development Unit, Amreli under the Integrated Watershed Management Programme (IWMP). This intervention created an awareness and participation among women residing in the rural pockets of Amreli, which had empowered them to play a positive role in holistic development of themselves and the society. The user groups and self-help groups were also closely associated with economical issues, thus directly contributing to the economic and social development of Sanaliya village under Liliya Taluka, Dist. Amreli.

 

Role of Women 

Women have played an ‘invisible’ role for a long period of time in the economic development of rural areas, as they have been perceived as helpmates, wives and mothers, and as generally subservient to the dominant economic work of men, both in farming and outside it. The Self-Help Groups (SHGs) in micro watersheds have received much attention from the policy makers and others for their perceived ability to contribute significantly to the economic growth and poverty alleviation. These groups are homogenous groups having common interest who are dependent on the watershed area such as: landless laborers, agricultural laborers, rural women, shepherds, scheduled castes/tribes etc. Around 50 per cent of villagers who are directly or indirectly dependent on watersheds should generally be enrolled as members in the SHGs. Evidences show that the SHGs are formed mostly for Women-oriented activities.

Fig.2 : STUDY AREA: IWMP 7 (Batch II) Sanaliya Village, Liliya Taluka, District Amreli

District Watershed Development Unit,(DWDU),Amreli in its endeavor had facilitated the SHG “Shree Jee Self Help Group” in Sanaliya village lies under Kutana Cluster in IWMP-8 (Batch 2) in Liliya Taluka.
  • Name of SHG: Shree Jee Self Help Group 
  • Number of Members: 14 (ALL WOMEN) 
  • Date of Formation: 26/07/2011 
  • Status of Participants: APL Mission: To enhance and strengthen economical status of members. 

 

Introductory Level

At the very first stage of planning process of the cluster, Participatory Rural Appraisal (PRA), was done with the help of the villagers and the Watershed Committee, in which a special meeting was held only Women in which information regarding SHG was put forward, and its members were decided duly on democratic pattern, after that SHG nomenclature was done, and the name of SHG "Shree Jee Self Help Group" was coined.

 

Activities Chosen

After the formation of the SHG a meeting was carried out to choose the activity(s) under the supervision of WDT-CME and Nodal of PIA and in this meeting the members were asked to interact with each other and to discuss what activity(s) to be carried out in the SHG. The thing which came out of the discussion was that to make different kinds of Home decoration handicraft as it was a tradition over here to gift it in marriages and other auspicious events. The members also said that there is a vast opportunity of selling these items as there is an availability of local market demand for these items.

 

Pre Activity Work

Before starting the Handicraft Activities a proper well structured training session was needed. The SHG members of Shree Jee SHG decided had undergone a comprehensive training in the nearby village of Godavadar. A local trainer is employed for the purpose. The SHG members went on to training in the day time and practiced the same at night. The training was organized for a month to enable them to gain expertise. The trainees of the SHG were certified by DWDU Amreli.


Fig.3 : Training to SHG

Fig.4 : SHG Members Practicing at Common Place

Fig.5 : Training and Practicing session of Handicraft Making by SHG Members


Fig.6 : Training Certificate Distribution

Fig.7 : Training Certificate Distribution

 

Post Activity

After the training and practicing session for one month the SHG members were now quiet familiar as well as well expertise with SHG activities as well as Handicraft making. Later on they started selling the handicraft items on small scale. Later with the increased familiarity and demand they went on to join hands with the "Ramapir SHG Group" functioning in "Bhurakhiya Village" under IWMP-10,Chhabhadiya Cluster to open a Handicraft selling shop near the famous "Bhurakhiya Hanuman Temple" which use to sell the handicraft items from different villages. It sells the products on Commission basis. The shop was opened on 11/02/2013.

Fig.8 : Handicraft Selling Shop at Bhurakhiya Hanuman Temple, Bhurakhiya Village, Lathi Taluka

 

Handicraft Store 

“The SHG’s participated in Gram Haat organized at Ahmedabad on 28/02/13 to 02/03/2013 and they sold items worth Rs.6000.Taking together of items sold at Amreli and Ahmedabad it constitutes of Rs.17000.”

 

Conclusion

The whole program not only made the women of Sanaliya village economically established but also boosts up Self Confidence and now they can achieve a greater responsibility in Society. The most pivotal thing to be marked here is the Decision Making role of them, in their socio-economic life. Indeed their success can be summarized as a role model for other Watershed intervene Livelihood activities.


Contributors: DWDU Amreli, Nischal Chudasama (Technical Expert)


Concept to Reality – ‘Revolving Fund’ (A Small Attempt for a Bigger Change)

By : GSWMA
A self-help group (SHG) is a village-based financial and social intermediary usually composed of 10–20 local women. The first SHG was formed by Mysore Resettlement and Development Agency (MYRADA) in 1985. After the success of their initiative the concept was replicated exponentially in all parts of India. Later on from 1992 National Bank for Agriculture and Rural Development (NABARD) had taken greater initiatives to link the SHGs with banks commonly known as SHG bank linkage programme. Various Government and Voluntary organisations have promoted the linkage programme and tried to link them with main stream economy.

Revolving Fund Concept: The conceptual framework of Integrated Watershed Development Programme (IWMP) is to augment the livelihood status of the people dependent on a particular catchment area. District Watershed Development unit (DWDU) is acting as project monitoring and implementing agency in Patan district of Gujarat. In few projects where forest area is more than 33 percentages then the implementing agency is District Forest department. DWDU has taken a major initiative in promotion of the concept of revolving fund in Patan under the IWMP project. By definition ‘Revolving Fund’ is a capital raised with a certain purpose which can be made available to the same users more than once. The Revolving Fund is expected to be utilized for income generation activities and return within 18 months. This repayment will be deposited in the Watershed Development Fund (WDF) to utilize the fund in future.

The risk factor of this concept is delayed repayment of the fund or turning loan amount into a bad debt. To overcome the risk factor DWDU has promoted revolving fund on SHG basis rather than individual basis. The SHG then lends the money to the individual as per their demand and norms of the group. It has been observed that due to proper selection of individuals by the group and peer pressure, the repayment is secured. Beside this the SHGs are formed with majority of similar occupational and social backgrounds, therefore the group activities selected by them are quite similar in nature. Hence increases the chance of success. This also increase the managerial ability of the SHGs as all decision was taken by the groups themselves.

 

The main benefits of this initiative as per the beneficiaries: 

1. Availability of fund at 1 % interest which is very nominal than other informal lending sources. The money lender is the main source of informal credit in village with usually interest rate of more than 24-30 % depending of the requirement of the individual. While revolving fund is interest free. In some cases SHG itself decided to impose minimal interest to the borrower to ensure repayment and enhancement of group savings.
2. Timely availability of fund: The fund flow is flow Village Watershed Committee (VWC) to respected SHGs. The SHGs then provide the fund to the individuals ensuring repayment within 18 months. The administrative process is simple and there fund is available timely to individuals.
3. Promote group activities: DWDU is acting as a key agency for capacity building of the SHGs. Hence group activities based on livelihood enhancement are being promoted with proper training from different resource persons.
4. Being different from a grant based system this approach enhance the group’s ability to become self sustainable.
5. Improves managerial skill of the SHG

 

Initiatives: 

The first revolving fund of Rs 25000 was given to Jaychetrapal SHG for package tea business in Bhilot village (IWMP-11) of Radhanpur Taluka. The group then procured bulk quantity of local branded tea which is having high demand in that area, and packet it in small pouches to sell in the village. The indicator of their healthy business is depicted by the timely repayment of the loan. Within 6 months they have already deposited Rs 10000.

Being encouraged by their success revolving fund is highly encouraged in IWMP project area of Patan. In Mubarakpura village (IWMP-2) at Sami taluka a group named Arti SHG has taken revolving fund on Nov 2012 for procurement of cumin seeds for cultivation on farm land that was taken on lease by the group members. The seed money was given to 7 members of that SHG. Although cumin production was not very high due to acute shortage of rainfall but still they were able to repay the amount by May 2013 (within 6 months). Now again this year they are willing to take revolving fund for cumin expecting a higher yield compared to last year as average rainfall in this region is more than last three years average.

Naroda Gangaben Chehabhai, a member of GangaMaiya SHG, Anwarpura Village (IWMP-9 ) located at Sami Taluka, received Rs 25000 as revolving fund under Integrated Watershed Management Prorgamme (IWMP) during April, 2013. With her own contribution of Rs 6000 she purchased a Mould Board plough with Rs 35000. The MB Plough with her own tractor have been rented for Rs 600/hr. As her first business startup she had managed to operate nearly 45 days for the Kharif season of 2013. Her reported average revenue was approximately Rs. 63,200 whereas the expenditure was Rs 34650 towards diesel expenses and Rs 20350 for maintenance (including driver). Her net income during the season is Rs 8200. Now she is all ready to catch the Rabi season and also started to repay to revolving fund. On the other side it is also helping other farmers for timely tillage practices.

Fig. 1: Plough of Anvarpura village
Fig. 2: Godhana SHG group
Fig. 3: SHG group of Bhilot
Fig. 4: Kirana shop of motipimpli


Mrs. Jamiben Kanji bhai native of Motipipli village IWMP -11 located in Radhanpur Taluka is a member of Jai Chamunda SH started on Nov, 2007 with 16 members. Being a member of the SHG, Jamiben received various trainings on understanding of the concepts of savings, skills development and entrepreneurial development trainings from DWDU. After the training she decided that it would be good to start a provision store as there were no other provision stores in nearby adjoining areas. Incurring her demand, the Village Watershed Committee has provided Rs 25000 as revolving fund to the SHG on 6 July 2013 to start a provision store. She manages to procure materials in bulk from the Radhanpur market situated at 10km from the shop. At the starting the shop was doing average business and she was able to save Rs. 200 per day (i.e monthly earning of Rs 6000). Within few months she was able to understand the customer preference and apart from regular provisional goods she also keeps seasonable goods and manages to earn Rs 4000-5500 per month taking into the account expenses on electricity. She has so far repaid an amount of Rs 7000 to the SHG.

Small kirana shop, cutlery shop, cattle feed shop, agri implements and various other small business and entrepreneurship has been evolved by this small effort of revolving fund. Till now nearly 28.38 lakh revolving fund has been disbursed to more than 76 groups and 40 villages. In all the groups the repayment time is remarkable.

Although it is a minor step but these small initiatives are bringing great impact on the life of people. There is still a huge scope to promote revolving fund for not only in Patan but in other villages of Gujarat. Now the SHGs themselves are very much interested to receive the revolving fund and generate alternative livelihood.

Contributors: M.K.Patel (Project Director, Patan), Manishaben Patel (MDT-CM), Chetnaben Patel (WDT CM), Nainaben Patel (WDT-CM), Abhinandan Das (Technical Expert, Patan), Megha Jhamb (Technical Expert, Patan)

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