Annual Report 2009-2010

ANNUAL ADMINISTRATION REPORT 2009-2010
KUDUMBASHREE State Poverty Eradication Mission Trida Building, II Floor, Chalakkuzhy Road Medical College P.O., Thiruvananthapuram-695011 Tele-0471-2554714, 2554715, 2554716 Email: info@kudumbashree.org www.kudumbashree.org
CONTENTS
Topic Pages
Kudumbashree Annual Administration report
1. Introduction
1.1 Genesis 1.2 Mission statement of Kudumbashree 1.3 Structure of Kudumbashree 1.3.1 Neighbourhood Group 1.3.2 Area Development Society 1.3.3 Community Development Society 1.3.4 Role of CDS 1.3.5 LSG and the Community Structure 1.3.6 CDS Action Plan 1.3.7 Other Interventions 1.3.8 Award for Best CDS
4 5 6 6 7 8 10 12 12 13 22 26 29 29 29 30 31
2.ORGANIZATIONAL STRUCTURE
2.1 Governance 2.2GoverningBody 2.3 Executive Committee 2.4 District Mission Offices
3. FUNCTUIONING OF THE MISSION 33

3.1 Economic Development 3.1.1 Micro Finance 3.1.2 Micro Enterprises 3.1.3 Samagra 3.1.4 Collective Farming 3.1.5 Urban Poverty Alleviation
33 33 38 51 57 71
3.2 Social development 3.2.1 Asraya 3.2.2 Buds School 3.2.3 Balasabha, Balapanchayath 3.2.4 Special tribal project 3.2.5 Special SC project 3.2.6 Gender Self Learning
78 78 79 79 81 82 84 90 92
4. FINANCE 5. DEPARTMENTAL PUBLICATIONS
6. IMPLEMENTATION OF RIGHT TO 93 INFORMATION ACT 7. AWARDS AND REWARDS 94
1. INTRODUCTION
With more than 37 lakh members, Kudumbashree had created a well knit network of women in every village, town and city of Kerala. Through concerted and continuous action sustainable livelihood options for the poor are being developed. Persistent efforts to reach out to the most vulnerable and reached among the poor are also underway. The largest success story of empowering poor women in the villages of Kerala was kicked off in Alappuzha Municipality in 1992, focused on a community-based and participatory approach to planning and implementing poverty reduction programme. Kudumbashree is envisaged not only as a Mission, but also as a process, a project and a delivery mechanism for the poor. The 12 years of Kudumbashree have been on a very sharp learning curve. Unraveling the complexities of circumstances exacerbating poverty, finding processes that work, and processes that do not, finding new livelihood options, improving upon existing options, seeking partnerships for empowerment all these have contributed to ensuring that kudumbashree
continues to grow and learn. Some of the development imperatives that we had to find answers for are indicated below: How do we enable women of the network to move beyond agency? What should be the relationship between a community organisation of women and a local self government where both strive towards development alleviation? How do women leaders of the network learn to respect and appreciate the deeper vulnerabilities of the poorer in their midst? How can women look at the social issues that lead to their marginalization in a seemingly inclusive society, and understand the gender dimensions of disenfranchisement? These questions have given rise to certain processes that are transforming the nature of the network and the development space it occupies. Through that change, a sustainable model for community based poverty eradication is slowly gathering momentum. and poverty
1.1. Genesis The decentralisation experiment in Kerala and the transfer of powers to local governments came in two bursts. First, in October 1995, when the decision to transfer most of the development institutions to local governments along with staff was taken, and the second, in August 1996 when the decision to transfer about a third of State Plan resources to local governments was announced and the Peoples Plan Campaign launched. Alongside this, it was decided to universalise the Anti-Poverty Programme of the State under the name of Kudumbashree. The concept of Kudumbashree sought to match the energy of the selfhelp group movement with the need for a community platform to interface with local self governments. This anti-poverty programme had evolved through a long phase of experimentation. The Urban Basic Services for the Poor (UBSP) implemented in Alappuzha Municipality in 1992 focused on a community-based and participatory approach to planning and implementing poverty
reduction programme. This was when the nine point index for identifying families at risk of poverty was first evolved. The promise of the initiative prompted Government to launch the pilot programme in Malappuram district of Kerala, in November 1994, under the Community Based Nutrition Programme (CBNP implemented with UNICEF support). Almost simultaneously, the Government decided to give universal coverage of the programme for urban areas in December 1994. The formal launch of Kudumbashree was on May 18, 1998. The crux of the strategy was to a) Create a strong network of neighbourhood groups across all wards of the state b) Federate the network at the level of the panchayat c) Increase the presence of the poor in the grama sabhas d) Bring voice to women in the decentralized planning process e) Create spaces for poor women to interface with local governments through the anti poverty sub plan, womens component plan etc f) Use micro finance as the means of accessing affordable credit through formal financial institutions NHGs would link up with banks directly, and the federated structure would become the facilitator and liaison with the bank. The Kudumbashree network developed across the state in three phases. By March 2002, the entire state was brought under the Kudumbashree network Today the community network of kudumbashree covers every grama panchayat and over 90% (17486) of the panchayat wards of the state. There are 2.04 lakh NHGs, in which women from 37.43 lakh families participate. Nearly one in every two households of Kerala has a representative in Kudumbashree. The coverage of the poor is nearly universal. The only families remaining to be covered are outliers in remote tribal hamlets, migrant women and sections of the coastal population. Built around three critical components micro credit, entrepreneurship and empowerment the Kudumbashree initiative has today succeeded in addressing the basic needs of the less privileged women thus providing them with a more dignified life and a better future. Kudumbashree differs from conventional programmes in that it perceives poverty not just as the deprivation of
money, but also as the deprivation of basic rights. The poor need to find a collective voice to help claim these rights. 1.2. Mission Statement of Kudumbashree To eradicate absolute poverty through concerted community action under the leadership of local governments, by facilitating organization of the poor for combining self-help with demand-led convergence of available services and resources to tackle the multiple dimensions and manifestations of poverty, holistically. Kudumbashree is not only envisaged as a Mission, but also as a process, a project and a delivery mechanism for the poor. Kudumbashree, through concerted and continuous action, had created sustainable livelihood options to the poorest of the poor in the society. Kudumbashree has been continuously evolving, and today has moved on from micro finance to local economic development. From seeking to provide welfare to the poor, we are enabling the poor to claim entitlements. The search has also been one of transforming citizenship. 1.3. Structure of Kudumbashree The Community Based Organisation, Kudumbashree, conceived of poverty as a basket of relative deprivations and vulnerabilities and has developed an innovative methodology to identify the poor using non-economic parameters. The poor thus identified were organised under a wellnetworked Community Based Organisation (CBO). This methodology has since been incorporated into the policy framework of the State for the identification of the underprivileged. The Kudumbashree community organisation is a three-tiered structure with its apex tier anchored in the local self governments. The three tiers are: Neighbourhood groups (NHGs) Groups of 10-20 women from the same neighbourhood form the foundation of the structure Area Development Society (ADS) Federation of NHGs within a ward of the LSG Community Development Society (CDS) Registered Society as the Federation of ADS within the LSG participation to
1.3.1 Neighbourhood Group (NHG) The lowest tier constitutes the Neighbourhood Group with 10 to 20 women members selected from economically backward families. Meetings are convened on a weekly basis in the houses of NHG members. In the weekly meeting all members bring their thrift, which will be collected and recycled, to the system by way of sanctioning loans. In each Neighbourhood Group from among the poor women five office-bearers are selected for undertaking various functional activities. 1. Community Health-Education Volunteer 2. Income generation activities volunteer (IGA) 3. Infrastructure Volunteer 4. Secretary 5. President Salient Features of the NHG Membership Women 18 years of age and above from economically weaker families from the area covered by the group; Membership limited to one from a family, but other women family members can take part in discussions and activities All members of the NHG form the General Body Special NHG for ST Communities Executive Committee President, Secretary, Income Generation Volunteer, Health & Education 5 members Affiliation with CDS Volunteer, Basic Infrastructure Volunteer To be renewed every year
Election of Executive Once in three years; At the special meeting of the NHG convened for the Committee purpose, as part of the general election process in the CDS; Either the President or Secretary should be from a BPL family; Same person can be President or Secretary only for two consecutive terms Fund Fund of the NHG made up of membership fees, interest and penal interest earned from lending to members, donations, receipts from activities etc. Thrift and credit Collection of thrift on a regular basis and its accounting; Managing thrift
account with local bank; Lending to members from thrift funds based on terms developed by the group Bank linkage Obtain grading as per NABARD grading norms Bank linkage for graded groups Activity Groups Members from the NHG alone or along with members of other NHGs form activity groups for micro enterprises, joint liability groups etc. Records maintained by Minutes book, Membership Register, Thrift Register, Loan Register, Monthly NHG Report of Thrift and Credit, Membership fees and penalty register, Assets register, Revolving Fund Grants-Aid register, Affiliation file, Micro Enterprise Register, Bank Pass book, Annual Receipts and Payment Statement and Audited accounts Audit Accounts of the NHG are audited by the Kudumbashree Accounting and Auditing Service Society (KAASS); Internal audit is taken up by the NHG
1.3.2 Area Development Society (ADS) The second tier is the Area Development Society, which is formed at ward- level by federating all the NHGs in the ward. The activities and the decision in the ADS are decided by the representatives of the women elected from various NHGs. The Area Development Society consists of: 1) General Body Consists of all Presidents, Secretaries & three sectoral volunteers of the federated NHGs. 2) Governing Body Consists of seven member governing body elected from the general body. The seven member governing body consists of ADS chairperson, ADS vice-chairperson and ADS secretary. The following are the ex-officio members of ADS general body and governing body. 1. ICDS/Anganvadi worker 2. Saksharatha prerak 3. Two experienced ex-ADS office bearers 4. Local Junior public health nurse There is also provision for proportionate representation of SC/ST members in the Committee. Salient Features of the ADS General Body One ADS per ward of the LSG (if at least two NHG in the ward); Five members from each NHG within the ADS area form the General Body; Ward Member / Municipal Councillor of the Ward to be Patron of the ADS Special ADS for wards with at least one Special NHG of ST communities
Salient Features of the ADS Executive Committee Seven Members Committee elected by the General Body, including three officebearers elected by the General Body - Chairperson, Vice-Chairperson, Secretary; Ex-officio members of the Executive Committee ICDS Worker, Literacy worker and JPHN nominated by the LSG Council, Two ex-ADS members co-opted by the Executive Committee; SC&ST proportionate membership through election or nomination The ADS Executive Committee will have Income Generation Volunteer, Health & Education Volunteer and Basic Infrastructure Volunteer Election Responsibility NREGS Once in three years; As part of the General Election process for The ADS shall be responsible for the implementation of NREGS works in its area; ADS members to be Mates by rotation
Records maintained by Minutes book, Notice Book, General Body- Executive Committee membership ADS register, Affiliation Register, Cash Book, General Ledger, Stock register, Micro Enterprise Register, Bank Pass book, Annual Receipts and Payment Statement and Audited accounts, Monthly report of thrift and credit activities of NHGs; NREGS records Audit Accounts of the ADS are audited by the Kudumbashree Accounting and Auditing Service Society (KAASS); Internal audit is taken up by the ADS
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1.3.3 Community Development Society (CDS) At the Panchayat / Municipal level a Community Development Society (CDS), a registered body under the Travancore-Cochin Literacy Scientific and Charitable Societies Act, is formed by federating all ADSs in the local bodies. The CDS consists of 1. General Body -It consists of all ADS members and ADS Governing Body members. 2. Governing Body -The Governing Body consists of Chairperson, Vice-chairperson, VicePresident, Member Secretary (Ex-officio member). The CDS general body and governing body also consists of five women elected representatives and two experienced ex-CDS representatives as ex officio members. Salient Features of the CDS General Body Executive Committee Executive Committee members of all ADS in the LSG area (seven each) Elected members from the General Body one per ADS, Not more than five women LSG members, two ex-CDS members co-opted by the Committee Office-bearers Chairperson, Vice-Chairperson, five Sub-committee conveners Micro Finance (Vice-Chairperson to be Micro Finance sub-committee convener), Micro Enterprise, Social Development, Basic Infrastructure, NREGS & Farming Member-Secretary Officer appointed by the LSG Registration Audit One time registration as a Society; Annual renewal of registration as per Act Accounts of the CDS are audited by a Chartered Accountant (with support of KAASS); Internal audit is taken up by the CDS Accountant Appointed by CDS; Salary for first two years paid by Kudumbashree Mission; 50% of salary supported in third and fourth years
Participation of vulnerable group The modified byelaw provides for ensuring proportionate representation of the SC and ST communities as well as for special ADS to cater to the requirement of specific vulnerable groups.
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Coverage The Kudumbashree Community Organisation network is present in all the 999 Gram Panchayats, 53 Municipalities and five Corporations in Kerala. Number of NHGs Total families covered Number of ADS Number of CDS 2.03 lakh 37.37 lakh 17486 1061
1.3.4 Role of CDS 1. LSG liaison 2. Linkage Banking co-ordination 3. Information Dissemination 4. Community network Strengthening Activity 5. Facilitating Income Generating Activity 6. Facilitating Identification of Poor for the purpose of LSG led Development Programmes. 7. Articulation of Community demand for Development 8. Leadership of NHGs 9. LSG Plan Intervention - Anti Poverty Sub Plan - Women Component Plan - Local Economic Development 10. Legal Literacy 11. Facilitation of Centrally Sponsored Schemes 1.3.5 LSG and the Community Structure The Community Structure is embedded in the local self-government, but has an autonomous functional character of its own. The Social Welfare Standing Committee of the LSG is responsible for monitoring and guidance of the community structure as part of its constitutionally-mandated role. The CDS Evaluation Committee is the formal mechanism that brings together the LSG and the Community Structure. Kudumbashree Annual Administration report
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Evaluation Committee The Evaluation Committee of the CDS is chaired by the President of the Gram Panchayat. VicePresident of the GP, Chairpersons of Standing Committees of the GP and LSG Secretary are members of the Committee. The CDS Chairperson, Sub-committee conveners and MemberSecretary represent the CDS. Officers of Line Departments attached to the LSG (Agriculture, Animal Husbandry, ICDS etc.) and managers of banks/financial institutions in the GP are also members of the Evaluation Committee. The Evaluation Committee serves as the platform for bringing about convergence in the implementation of development activities in the LSG. It approves the CDS Action plan, and ensures that the activities proposed in the Action Plan find place in the allocation plans of the LSG and line departments and credit plans of financial institutions. 1.3.6 CDS Action Plan The CDS Action Plan is an annual demand plan, consolidating development requirements from the NHG to the CDS level. Objectives of the CDS Action Plan are the following: Enable participatory, bottom-up consolidation of development demands in the community Provide a tool for the local self government to converge resources for community development and poverty alleviation from various sources Act as the basis for monitoring performance and achievements of the community network and supporting structures Process of CDS Action Plan NHG level information collection Consolidation at ADS level Consolidation at CDS level Preparation of Action Plan Discussion and approval by CDS Executive Committee Discussion and approval by Social Welfare Standing Committee of LSG Discussion, approval and fund allocation by Evaluation Committee Final approval by LSG Council
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Components of CDS Action Plan General Information of the CDS Micro Finance activities Bank linkage, matching grant and Interest subsidy scheme Micro Enterprises New demand Strengthening existing enterprises Placement oriented training demands Collective farming Marketing support activities Balasabha Ashraya CDS Annual Budget
Formulation of Annual CDS Action Plan 2009-10 In 2009-10, Kudumbashree Mission developed a procedure and direction mechanism to formulate annual action plan for all CDSs. The main objective of the annual CDS action plan was to integrate plans and schemes of local bodies, government agencies, without duplication. This would help the community organisation gain maximum benefits. In short, the CDS action plan shall be called a demand plan. The CDS action plan envisages convergence of local bodies and different departments into the activities of Kudumbashree. The structure of the action plan is set so as to deliver maximum benefits for the NHGs. Method of Convergence The action plan provides an array of details on anti poverty sub-plan, SCP/TSP, local economic development sub-plan, National rural employment guarantee scheme, women component plan, special programmes and schemes for children, aged and differently abled people. The details would form as a base for building concepts through which specific programmes could be Kudumbashree Annual Administration report
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established. Also it serves as a foundation for planning projects pertaining to special supplementary nutrition programme and palliative care support for the aged, pension for differently abled people, assistance for buds special schools including learning material procurement and distribution, distribution of supplementary food, honorarium for buds school teachers and health security packages. It also enables the local bodies to integrate parts of Ashraya projects in the implementation level. Participation of Evaluation Committee The evaluation committee constituted by Kudumbashree is accountable and responsible for the stages of CDS action plan, subjects referred in CDS action plan, successfully deciding on convergence and integration of schemes and programmes of different departments and developmental agencies of the government. In order to bring action plan in tune of the needs and demands, special evaluation committee meetings are held from time to time. In accordance with the CDS action plans, an activity calendar is formulated for implementation procedure. Formulation process of action plan The formulation process of the action plan was done by mass participation from the NHGs. The process of approval of action plan is listed below: Planning at NHG level Consolidation at ADS/ward level Standardisation at CDS level Scrutiny of the draft action plan by the respective Panchayat welfare standing committee Scrutiny by evaluation committee of Kudumbashree (opportunities for converging the programmes and schemes pertaining to local economic development, government departments) Recommendations from evaluation committee to be incorporated by CDS Submission for approval of action plan by governing council of the local body Implementation of annual action plan approved by governing council of the local body
Simple formats were developed for collection and consolidation of the details pertaining to CDS action plan. As part of the preparation of the annual CDS action plan, special NHG meetings, ADS/CDS workshops and block level trainings were organised.
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Sl.No Activity 1 2 3 Participation in the special NHG meetings Trainings for the CDS executive committee Block level workshops
Participation 1500000 21000 7000
Strategies for institutionalizing the activities of evaluation committee Special trainings were conducted by Kudumbashree Mission to observe the CDS level activities, to set and give guidelines in order to institutionalise the evaluation committee. These trainings enabled the committees to properly intervene in different stages of planning and implementation. A resource pool of panchayat presidents were deputed to take leadership and give guidelines during trainings. Trainings were given to 1,228 evaluation committee members. CDS level special training on CDS action plan The CDS executive members underwent special trainings on capacity building for the implementation of CDS action plan. The trainings were planned at CDS level. Context specific training modules were developed so as to incorporate the needs and demands of the respective CDSs. The main objective of these trainings was to capacitate CDS governing council to logically implement different projects cited in the action plans. Training method The delegation from the State Mission visited selected CDS, explained and clarified the method for evaluating the action plan. Special meetings of the evaluation committee of these CDSs were held to scrutinize the progress of the CDS on the basis of the action plan. The meetings were effective to deliver the guidelines for speeding up the activities of CDSs. In accordance with the meetings, follow up trainings were conducted under the leadership of District Mission team and selected resource persons. The trainer resource persons were assigned responsibilities by fixing targets and results. In addition to this, mock presentations of the CDS committee/ evaluation committee were held at districts with the participation of CDS office-bearers and resource persons. This training method enabled Kudumbashree to implement the CDS action plan effectively. The trainings formed a major component in achieving the plan expenditure of Rs. 125 crore. Participation of CDS executives and Resource Persons in the Special workshops
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Sl.No
District
Special training at CDS level (DMT+RP) Name CDS of the Participation 30 50 40 30 35 40 30 30 40 50 40 35 30 30 25 25 30 590
Participation in the District level workshop 300 225 175 250 600 200
1 2 3 4 5 6
Trivandrum Kollam Pathanamthitta Alapuzha Kottayam Idukki
Kalliyoor Kottukal Sasthamkotta Pandalam Thekekara Aryaad Kurichy Kanjiyaar Upputhara
7 8 9 10 11 12 13
Ernakulam Thissur Palakkad Malapuram Kozhikkode Wayanad Kannur
Edathala Varavur Elapully Thazhekkadu Kuruvetoor Muttil Anjarakandy Thillankeri
575 600 600 200 275 200 300
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Kasargode Total
Uduma
300 4800
Participation in the CDS level special workshops Sl.No 1 2 3 4 5 6 7 District Trivandrum Kollam Pathanamthitta Alapuzha Kottayam Idukki Ernakulam No of participants 1,334 1,226 758 1,117 1,152 1,363 750
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8 9 10 11 12 13 14
Thrissur Palakkad Malappuram Kozhikkode Wayanad Kannur Kasargode Total
1,481 1,451 1,845 1,326 434 1,264 647 16,148
Skill training for CDS executives In order to capacitate leadership, administrative and implementation skills, skill trainings were conducted for CDS chairpersons, Vice-chairpersons and subcommittee conveners. The responsibility of training was vested on Kudumbashree- EKSAT units. The skill training focused on increasing the knowledge and understanding of management skills, procedure for reporting, organisational framework and programme implementation methods adhered in the 3 tier organisational system. Details on participation Sl.No District Total CDS chairpersons 1 2 3 4 5 6 7 8 9 10 11 Trivandrum Kollam Pathanamthitta Alapuzha Kottayam Idukki Ernakulam Thrissur Palakkad Malappuram Kozhikkode 78 71 54 73 75 52 88 92 91 102 78 26 29 41 54 23 32 83 41 48 89 34 Participation No: of CDS Sub committee conveners 83 121 167 214 72 80 379 111 179 295 112 109 150 208 268 95 112 462 152 227 384 146 Total
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12 13 14
Wayanad Kannur Kasargode Total
25 81 39 999
25 74 18 617
86 256 77 2232
111 330 95 2849
Training of the CDS accountants Orientation training on Kudumbashree was given to the newly recruited CDS accountants. It primarily dealt with various programmes of Kudumbashree and characteristic features of the organisational structure. It was held between 25 th and 30th of August 2009 in different trainings of Trivandrum district. Members of the EKSAT units and resource persons of Kudumbashree formed the faculty team. Details of participation are listed below: Sl.No District 1 2 3 4 5 6 7 8 9 10 11 12 13 14 Trivandrum Kollam Pathanamthitta Alapuzha Kottayam Idukki Ernakulam Thrissur Palakkad Malappuram Kozhikkode Wayanad Kannur Kasargode Total Participation 82 74 47 75 72 38 88 73 67 70 57 21 49 42 855
Training of Mates- National Rural Employment Guarantee Scheme Kudumbashree in co-ordination with SIRD has already developed an action plan for special skill training for Kudumbashree Mates with respect to Planning, Implementation & Monitoring of NREGS. Training for 64,557 mates has been provided in the first phase taking 4 per ADS. The Kudumbashree Annual Administration report
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training was conducted with the support of SIRD- ETC faculties & Kudumbashree Resource persons. Identity cards in approved formats with photos attached & certificates were distributed for the mates who attended the training programme. Second phase of the training has now started. The details of participants of the training are given below. SL.NO 1 2 3 4 5 6 7 8 9 10 11 12 13 14 DISTRICT Trivandrum Kollam Pathanamthitta Alapuzha Kottayam Idukki Ernakulam Thrissur Palakkad Malappuram Kozhikkode Wayanad Kannur Kasargode Total NO OF MATES 4,600 3,711 2,882 2,900 4,100 2,247 5,232 4,557 5,537 12,885 4,830 1,292 4,407 2,400 61,580
Orientation Programme for Kudumbashree Officials Special trainings were conducted for the entire Kudumbashree officials & consultants in KILA, Thrissur on 11th & 12th August 2009 to implement project worth Rs.100 crore in the financial year 2009-10 as per the CDS action plan. The objective of the programme was to capacitate the District Mission to implement the programme in a time-bound manner with due care on the functional strategies & implementation procedures. All the officials of the State/ District mission, two Resource persons per district, KAASS members, MECs & EKSAAT members participated in the programme with the total participation of 278 persons. Special training for CDS member secretaries Special awareness programme for CDS Member-Secretaries were conducted in
Thiruvananthapuram from January 10th to 30th to provide sufficient information regarding various programmes & implementation procedures of Kudumbashree. Handbooks were distributed to the participants as part of the workshop. The participant details are furnished below. Kudumbashree Annual Administration report
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SL.NO 1 2 3 4 5 6 7 8 9 10 11 12 13 14
DISTRICT Trivandrum Kollam Pathanamthitta Alapuzha Kottayam Idukki Ernakulam Thrissur Palakkad Malappuram Kozhikkode Wayanad Kannur Kasargode Total
TOTAL CDS 78 71 54 73 75 52 88 92 91 102 78 25 81 39 999
PARTICIPATION 60 59 53 59 65 74 44 77 65 74 60 21 61 37 809
1.3.7 Other Interventions Micro Enterprise Consultants Meet To make the MECs self-reliant, the authorities organised an MEC meet that was held in Mar Gregorious Centre, Thiruvananthapuram on 2009 December 28 -30. 240 MECs attended the programme. Trainings for Clean Well Units Kudumbashree members who are engaged in Solid waste management need awareness regarding safety measures that should be adopted and responsibility in delivering timely service. Kudumbashree proposed trainings for these groups with the help of EKSAAT faculties. The training module was designed in such a way that the faculties would travel along with the groups, observe their activities and rectify the unnecessary practices. As a first phase, the clean well units of Thiruvananthapuram were trained. Committee Formation Special Sub Committee Formation of District Planning Committee A special sub committee has been formed to review the activities of Kudumbashree under various LSG departments of districts and to bring necessary control. The Government has issued orders incorporating the following members under the surveillance of District Planning Committee. The evaluation would be made based on the report prepared by the District Mission Coordinator. The Kudumbashree Annual Administration report
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report evaluates the progress in the implementation of the Kudumbashree programmes in LSGs compared to the projects envisaged in the CDS Action plan. Structure of sub committee 1. District Planning Committee chairman 2. District Planning committee Secretary 3. Four representatives selected by the District Planning Committee (District Planning committee member - Panchayat - Municipal level) 4. Members of Kudumbashree Governing Body of Districts 5. Kudumbashree District Mission coordinator 6. Asst. Development Commissioner(General) 7. Panchayat Deputy Director Criteria for Evaluation 1. Progress of implementation of Kudumbashree Action Plan 2. Asraya Project 3. Samagra Projects 4. SC/ST Projects 5. BUDS Special School 6. Bank Linkage activities 7. Centrally Sponsored Schemes (Urban Areas) Modified Guidelines with regard to duties & responsibilities of Member-Secretaries Guidelines specifying the duties and responsibilities of Kudumbashree Member-Secretaries were unavailable. Similarly, the responsibilities that the Member-Secretaries have to carry out too were vague. Member-Secretaries play a crucial role in linking Kudumbashree activities in various LSGs and the official responsibility is vested upon them. At this juncture specific guidelines became inevitable and the guidelines designed by the State Mission detailing the roles & responsibilities of Member Secretaries got Government approval and orders. Development of Corpus Fund for members of NREG- ST sectors Kudumbashree has developed a tailormade wage distribution mechanism and implementation procedure to ensure the participation of SC members in the NREGS programme. The mission developed this pattern on the basis of field studies of the models followed by the districts and discussion with NREGS workers, CDS members, Mates and ST Promoters. The Government Kudumbashree Annual Administration report
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also has approved to pilot the new pattern of wage distribution. The new pattern piloted is that the women ST workers would get a part of their daily wages i.e Rs.50/- in three days so that daily households needs could be met without a break, and without having to resort to informal loans.. For the purpose a Special corpus Fund has been formed at the ADS level. Increment in CDS HonorariumAs per the Kudumbashree Governing Body decision the Grama CDS chairpersons honorarium has been revised based on specific conditions and criteria to a minimum of Rs.1500/- and a maximum of Rs.3000/- as on 01/12/2009. Increase in CDS Administrative Grant Financial aid for meeting the daily expenses of CDS administration activities for the smooth and active functioning of the CDSs is being given in the form of Administrative Grant. When the new CDS bylaw came into force, the areas of functioning and responsibilities of CDS became wider. To fulfill the duties properly the Kudumbashree Governing Body decided to revise the Administrative Grant. It has been revised to a minimum of Rs.2200/- and a maximum of Rs.3500/- as per 29/04/2010. Introduction of honorarium for CDSs in Urban areas In the case of CDSs in Urban Local bodies no provision for honorarium has been made. Like rural CDSs the urban CDSs also takes care of Kudumbashree activities along with the Poverty reduction programmes of ULBs. Taking this into consideration the Kudumbashree Governing body decided to provide honorarium for Urban CDSs from SJSRY fund. Special Development Packages for CDSs Special Development Packages for CDSs who are backward in activities has been developed. The mission has developed an action plan for those CDSs who are weak in the implementation of programmes and activities. The situation of these CDSs would be analysed taking care of each element and based on the analyses, special action oriented packages would be designed. Kasaragode District Mission prepared a special action plan and implemented a Rs.11 lakh-project to strengthen the CDSs of Delam padi, Mogrul Puthur, Madhur and 10 CDSs in Manjeswaram blocks. The programmes are planned with the participation of Kudumbashree Resource Persons. Special Financial aid for Kudumbashree organisational systems office-bearers
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The Governing Body of Kudumbashree has decided to provide special financial assistance to the families of the three tier organisational systems office-bearers and women resource persons in case of emergencies such as unexpected diseases or deaths due to accidents. The support would be provided from Kudumbashree Own fund. On account of this Rs.15,000/- has been issued from Kudumbashree Own fund for the families of former CDS chairperson of KothamangalamSheela Vijayan, Edakkattuvayal CDS Chairperson(former) and Kudumbashree resource person Geetha Andrew for their childrens education. CDS action plan for the financial year 2010-11 Modifications have been made in the methodology & implementation formats for the CDS action plan preparation. The modified formats are used in the preparation of CDS action plan for the financial year 2010-11. The action plan has ensured necessary information for the implementation of various programmes/ projects such as the Anti-Poverty Sub-plan, SC/ST sub plans, sub-plans in Local Economic Development, NREGS, Women Component Plan, special programmes for the Physically & mentally challenged ones , children and the elderly. Trainings- Preparation of CDS Action Plan Kudumbashree has conducted training programmes for the successful implementation of programmes as per the time-bound CDS action plan. As the first phase trainings for resource persons were conducted on 25-26th January 2010 in view of formation of CDS action of Grama Panchayats, 188 resource persons attended the training. Similarly, around 301 persons attended the training programme conducted for the preparation of Municipal-Corporation CDSs action plan. The trainings conducted in District/ Block/ Panchayat levels as part of project formulation is furnished below. SL.NO 1 2 TRANING/ LEVEL District level trainings Block level trainings PARTICIPANTS Resource persons CDS Chairpersons, NOS 332 Vice- 8,289
Chairpersons, Sub committee conveners of CDS Executive Committee, 3 Municipal level trainings CDS Member Secretary, CDS Accountant CDS Executive members, 890 Member 4 Panchayat level trainings Secretary, CDS 11,525 Accountants CDS Executive members
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5 6
ADS level trainings NHG level trainings
member
Executive 12,5845
committee members 5 member Committee 8,42,587 members
1.3.8 Award for best CDSs From the financial year 2009-10, Kudumbashree Governing Body has decided to introduce awards for best CDSs who show excellent performance in Kudumbashree activities. The award would be based on the Swaraj model. For the best CDS selection and award finalisation special committees at State- District levels has been formed. The Government has issued orders/ guidelines for CDS elections. According to the government guidelines and orders the following CDSs has been selected as the best rural - urban CDSs. Those CDSs who won the State level award has been provided Rs.2,50,000/- (Rupees Two lakh Fifty thousand) and those who received special awards were provided Rs.1,00,000/-(Rupees one lakh) & those who won District level selection were provided Rs.50,000/-(Rupees Fifty thousand) as cash prize. Best CDSs at State Level Sl.no 1 2 3 4 5 Best CDSs Rural Nenmeni Pananmaram Nedumkandam Kinanoor Karinthalam Thillankari
District Wayanad Wayanad Idukki Kasaragode Kannur
Urban Kuthuparamba Chavakkad Mattannur Kangangadu Malappuram
District Kannur Thrissur Kannur Kaseragode Malappuram
CDSs who received Special Awards 1. Bedaduka CDS( Kasragode) 2. Thiruvaniyoor CDS(Ernakulam) CDSs that have turned up within the first five at District Levels Sl.no 1 District Thiruvananthapuram CDSs 1. Kottukal 2. Karumkulam 3. Tholikkodu 4. Karode 5. Kollayil Kudumbashree Annual Administration report
25
Kollam
1. Piravanthoor 2. Thekkumbhagam 3. Kulathupuzha 4. Vilakudi 5. Ittiva 1. Vallikode 2. Kalanjoor 3. Malayalapuzha 4. Ayiroor 5. Konni 1. Kanjikuzhi 2. Pulinkunnu 3. Pathiyur 4. Mannancheri 5. Pallippad 1. Ettumanoor 2. T.V.Puram 3. Thidanad 4. Bharananganam 5. Vazhur 1. Karunapuram 2. Nedumkandam 3. Pampadumpara 4. kanjikuzhi 5. Upputhara 1. Thiruvaniyoor 2. Edathala 3. Rayamangalam 4. Vadakkekkara 5. Pambakuda 1. Nadathara 2. Velookkara 3. Amada 4. Muriyadu 5. Thrikkur 1. Elappulli 2. Alathur
Pathanamthitta
Alappuzha
Kottayam
Idukki
Ernakulam
Thrissur
Palakkad
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3. Kumaramputhur 4. Nagalasseri 10 Malappuram 5. Puthukode 1. Nilambur 2. Alamkode 3. Muthedam 4. Thiruvali 11 Kozhikkode 5. Niramaruthur 1. Kavilumpara 2. Kakkodi 3. Balusseri 4. Perambra 12 Wayanad 5. Payyoli 1. Nenmeni 2. Panamaram 3. Sulthanbatheri 4. Muttil 13 Kannur 5. Ambalavayal 1. Thillankari 2. Cheruthazham 3. Cherupuzha 4. Sreekantapuram 14 Kasaragode 5. Peravur 1. Bedaduka 2. Kinanoor Karinthalam 3. Ajanur 4. Nileswaram 5. Madikkai
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2. ORGANIZATIONAL STRUCTURE
2.1 Governance Governance of the Mission is done by the Governing Body and Executive Committee. The Governing Body takes policy level decisions and reviews performance of the Mission on a regular basis. Executive directions for scheme formulation and execution are taken in the Executive Committee. 2.2 Governing Body The Management and Administration of the Mission is vested with a Governing Body with Minister (LSG) as Chairman and Principal Secretary LSG as the Vice-Chairman. The Executive Director is the Chief Executive of the Mission who is responsible for the overall management & administration and implementation of the project as per the byelaw of the Mission. As per G.O. (Rt) No.3320/06/LSGD dated 26-12-2006, Government have reconstituted the governing body with the following members. Governing Body members 1. Honble Minister for Local Self Govt. -Chairman 2. Principal Secretary (LSGD) -Vice-chairman 3. Prof. R.Bindu, W. Mayor, Thrissur Corporation -Member 4. Smt. Subaida Ishaak, District Panchayat President, Palakkad-Member 5. Adv. Smitha Gopi, Chairperson, Aluva Municipality-Member 6. Sri.D.Sureshkumar, Ex-Chairman, Punalur Municipality-Member 7. Smt.P.Baby Balakrishnan, President, Block Panchayat, Kanhangad, Kasaragod -Member 8. Shri.P.AyyappanPillai, Ex-President, Block Panchayat, Vellanad, Thiruvananthapuram-Member 9. Smt. Beena Sunny, President, Puzhakkattiri Grama Panchayat, Malappuram-Member 10. Smt. M.Lekshmy, President, Udma GramaPanchayat, Kasaragod-Member 11. Dr.T.N.Seema, TC 42/366(1), Parambil Junction, Vallakkadavu, Thiruvananthapuram (Member of Parliament, Rajya Sabha) 12. Smt. Fathima Abdulkhader, Pampinezhathu, Mathilakam, Thrissur
28
13.
Shri.
M.K.Sudheerkumar,
Ex-President,
Mangattidam
(Sree,
Ayithrambram.P.O,
Koothuparamba, Kannur 14. Dr.M.Beena I.A.S, District Collector, Ernakulam 15. Secretary, Local Self Government (Urban) Department 16. Secretary, Finance Department 17. Secretary, Social Welfare Department 18. Secretary, SC/ST Department 19. Secretary, Health & Family Welfare Department 20. Secretary, General Education Department 21. Director, Panchayats 22. Director, Urban Affairs 23. Member Secretary, State Planning Board 24. Chief General Manager, NABARD Regional Office , Thiruvananthapuram 25. Chairperson, State Commission for Women 2.3 Members of the Executive Committee As per G.O. (MS) No.70/08/LSGD dated 11-3-2008, government have constituted the Executive Committee with the following members. 1. Principal Secretary, LSGD -Chairman 2. Director of Panchayats -Member 3. Representative from Finance Dept. -Member 4. Director, Urban Affairs -Member 5. Commissioner for Rural Development -Member 6. Dr.T.N Seema -Member of Parliament, GB Member 7. Executive Director, Kudumbashree -Convenor
29
2.4 Kudumbashree State and District Mission The Mission has a State Mission Office located at Thiruvananthapuram and 14 District Mission Teams located at the district headquarters. The Head Quarters of the Mission is functioning from the TRIDA Rehabilitation Building, 2nd floor, Medical College. P.O, Thiruvananthapuram. DISTRICT MISSION OFFICES 1 District Mission Co-Ordinator Kudumbashree, Dist.Panchayat Building Pattom, Thiruvananthapuram Ph-0471-2447552 2 District Mission Co-Ordinator Kudumbashree Civil Station, Collectorate, Kollam Ph-0474-02794692 3 District Mission Co-Ordinator Kudumbashree, Civil Station, Collectorate Pathanamthitta, Ph-0468-2221807 4 District Mission Co-Ordinator Kudumbashree, Valiyakulam Jn., Thiruvambadi P.O. Alappuzha, Ph-0477-2254104 5 District Mission Co-Ordinator Kudumbashree, District Panchayath Office Kottayam, Ph-0481-2302049 6 District Mission Co-Ordinator Kudumbashree, Civil Station, Collectorate Idukki, Ph-0486-2232223 7 District Mission Co-Ordinator Kudumbashree, Royal Plaza Building, Kalpetta Main road Wayanad Ph- 04936-206589 8 District Mission Co-Ordinator Kudumbashree, Civil Station, Collectorate, Ernakulam Kudumbashree Annual Administration report
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Ph-0484-3210521 9 District Mission Co-Ordinator Kudumbashree, Civil Station, Collectorate Thrissur, Ph-0487-2362517 10 District Mission Co-Ordinator Kudumbashree, Civil Station, Collectorate Palakkad, Ph-0491-2505627 11 District Mission Co-Ordinator Kudumbashree, District CBNP Office Collectorate Campus, Malappuram, Ph-0483-2733470 12 District Mission Co-Ordinator Kudumbashree, Civil Station, Collectorate Kozhikode, Ph-0495-2373678 13 District Mission Co-Ordinator Kudumbashree, Near Yathri Nivas, Kannur, Ph-0497-2702080 14 District Mission Co-Ordinator Kudumbashree, Civil Station, Collectorate Kasargode,Ph-04994-2561119
3. FUNCTIONING OF THE MISSION

Schemes under Kudumbashree 3.1 Economic Development 3.1.1 Micro finance Kudumbashree Annual Administration report
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1. Thrift and Credit Kudumbashree promotes Neighbourhood Groups (NHGs) of 10-20 poor women members as an interface between poor women, banks and government agencies. NHGs are instrumental in thrift mobilization, encouraging the poor to save and to avail low cost formal credit. They facilitate easy and timely credit to the un-reached. The amount of loan to members and the purpose for which the loan should be utilized are decided by the NHG. The repayment is collected weekly during the NHG meetings. It is estimated that the thrift mobilized is on an average Rs 40 per month per member. It is assessed based on CDS reports to Kudumbashree mission that number of NHGs promoted is 202879 out of which 9779 NHGs were created during the financial year 200910.The cumulative thrift mobilized by all NHGs from the beginning to March 2010 is to Rs.1375 crore and the internal loans disbursed to members are to the tune of Rs.3914 crore (As on March 2010). It is also estimated that during the year 2009-10, the total thrift collected by all NHGs is Rs 198.56 crores and the internal loan disbursed is Rs 892.76 crores. 2. Linkage banking NHG-Bank linkage scheme is one of the flagship programmes of Kudumbashree. NABARD SHG-Bank linkage grading procedures are applied while selecting eligible NHGs for availing loan. CDS assists NHG in getting graded by the bank. Bank will provide loans to those NHGs who pass 80 % of marks in the grading. Loan amount to a NHG is linked to thrift amount mobilized and retained within the group as internal loans. Maximum loan amount possible for a NHG is four times of its thrift. In some cases, CDS borrow from the bank as bulk loan for on lending to eligible NHGs. In Bulk linkage, CDS charges 1 or 2 percentage points more than the banks interest rate. A certain date is fixed by the bank within which NHGs are required to repay the amount to CDS. CDS in turn pay the collected amount to bank. The Bank Linkage programme has helped the NHGs to augment their existing resources mobilized through thrift. The total loan amount disbursed under linkage banking in the state from the beginning and upto March 2010 is Rs.993.65 crores. Cumulative number of NHGs availed bank linkage is 118711 NHGs.For the year 2009-10, the total amount of loan disbursed through linkage banking is Rs.284.11 crores to 17,605 NHGs. Kerala State Backward Classes Development Corporation Limited (KSBCDC) has provided loans for backward communities through Kudumbashree Community Development Societies. Kudumbashree Annual Administration report
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Kudumbashree in association with KSBCDC has implemented this scheme in five CDSs in Trissur and three CDSs in Palakkad districts. KSBCDC provides loan at 3 % to CDSs and eligible NHGs avail loan at 5 % from CDSs. Loan amount of 2.2 crores were provided to above mentioned CDSs. Matching grant to thrift &credit societies Matching grant is an incentive provided to NHGs. This grant linked to amount of thrift mobilized, performance of NHG in the Grading and loan availed from banks. An amount of 10% of the savings of the NHG subject to a maximum of Rs 5000/- is provided as matching grant to each NHG. The grant is released based on their assessment rated using a 15-point grading criteria developed by NABARD. In order to avail Matching a NHG must have passed the grading and availed loan from bank. In case of SC/ST NHGs, matching grant will be provided if the NHG has passed grading. Availing bank loan for a SC/ST NHG is not compulsory in order to be eligible for matching grant. Matching Year No of NHGs Cumulative (Approx) 413 1,800 10,000 7,900 43,693 no NHGs (Rs in Lakhs.) 2005 - 2006 2006 - 2007 2007 - 2008 2008 - 2009 2009 - 2010 413 2213 12213 21113 64806 16.50 72.00 400.00 316.00 1559.00 for the year Grant Cumulative Matching Grant (Rs in Lakhs). 16.50 88.50 488.50 804.50 2363.50
For the year 2009-10, Rs.1559 lakhs has been disbursed to 43693 NHGs as matching grant. Achievement in 2009-10 under matching grant is about five times compared to the previous year. It was possible because of the enormous effort put in by Kudumbashree mission. District Mission Teams devised different strategies which have obviously resulted in manifold increase in matching grant. Some of the strategies adopted for disbursing the matching grant is highlighted as under. A. Identification of CDSs/wards: Information on the basis of CDS Action Plans regarding how many NHGs availed Matching grant is analyzed by the District mission. This information has helped the team to focus on most potential CDSs/wards. Kudumbashree Annual Administration report
33
B. Identified CDSs/wards were targeted with special campaigns/melas/ clinics for disbursing Matching Grant to NHGs particularly, in the districts of Kannur, Thiruvananthapuram, Wayanad, Kozhikode, Malappuram, and Pallakad. C. Training and Orientation /campaigns a. Special trainings for CDS Chairpersons, Micro Finance Sub committee, Accountants, NHG Secretaries and resource persons were organised b. CDS executive committee was trained to assess ward level status of Grading, Linkage and Matching grant. c. Training on grading was given to NHGs by MF Subcommittees and CDS Accountants. d. Orientation to NHGs for Familiarisation on Matching Grant applications was done e. Special campaigns in Grama Panchayats which had not availed of matching grant were conducted. D. Assistance to NHGs a. Block level micro finance resource person were positioned to give assistance to NHGs to prepare matching grant applications. E. KAASS Audit - Insisted on providing matching grant forms at the time of NHG Audit. F. Notices and Advertisement were given in print media particularly in Wayanad. G. Created a cell under DMC for distributing Matching Grant H. Special Matching Grant reviews held in District Plan Review Meetings 3. Financial literacy Campaign Kudumbashree programs cover about 37 Lakhs families organized under 2.02 Lakhs NHGs through 1061 CDSs. All NHGs have bank accounts through which members of NHGs have access to savings and credit services of banks. The NHG is acting as intermediary between banks and ultimate beneficiary. Kudumbashree has promoted 202,879 NHGs but number of NHGs graded and linked are 141,434 and 118,711 respectively upto March 2010. As such about 70% of NHGs only have been graded and 84% of graded NHGs provided Bank linkage. About 84168 NHGs remain unlinked, of which 61445 NHGs are yet to be graded. At NHG level, it is observed that there is lack of knowledge about banks procedures, misconceptions regarding interest rates and lack of awareness about banking ombudsmen etc. Kudumbashree has chalked out a comprehensive Financial Literacy Plan in order to provide a platform for NHGs to be aware of and benefit from formal banking services. The financial Kudumbashree Annual Administration report
34
literacy campaign conceptualization, training to RPs and orientation were completed before March 2010. A detailed literacy plan was prepared to extensively cover all NHGs in the first half of the next financial year 2010-11. 4. Interest Subsidy Scheme Government have sanctioned the interest subsidy scheme for Kudumbashree NHGs vide GO (Rt) No 2725/09/LSGD dated 22.10.2009. As per the scheme, all commercial and cooperative banks that are prepared to lend to Kudumbashree NHGs under the linkage banking programme at 9% or below, will be participants in the scheme. The CDS would be raising the claim with the banks and the amount would be dispersed to a designated nodal branch by Kudumbashree State Mission in the case of commercial banks and to the concerned cooperative banks/societies by the district missions in the case of cooperative institutions. The interest subsidy would be provided as annual installments to the banks. Following activities were undertaken within March 2010. Kudumbashree facilitated bankers meeting for finalizing draft interest subsidy guidelines. A final Interest Subsidy Operational guideline was proposed to SLBC which was approved on 14th January 2010. A sub committee with members from district mission teams was constituted to finalize cooperative bank-interest subsidy guidelines. 5. Capacitation for CDS Audit and Accounting support: 6.1 Accountant positioning Government granted permission to hire services of accountants in each CDS vide GO (MS) No.93/09/LSGD Dated, Thiruvananthapuram, 30/05/2009. Accountant are to be paid honorarium of Rs 5000 per month. Phase I: Government shall provide financial support to 1061 CDSs for meeting operational expenses on accountant for a period of two years. Phase II: Government shall extend financial support up to 50% of the operational expenses for a period of next two years. Remaining 50 % must be paid from CDS own funds.
35
At the end of Phase II, it is assumed that banking operations of CDSs shall have stabilized. CDS shall be generating adequate income from its bank linkage to meet accountant salary. Kudumbashree mission conducted exams and interview over two phases for the purpose of positioning accountants. In phase I about 841 accountants were positioned. In phase II an exam was conducted in March 2010 and interviews were scheduled in the first quarter of next financial year, following which accountants were in place in all but 40 odd CDSs. 6.2 Computerised financial accounting system-pilot Out of 991 CDSs, Kudumbashree selected 7 accountants for implementing 'financial accounting system pilot project for strengthening the Community Development Societies (CDS) to computerize financial transactions. As part of the pilot project the 7 accountants were provided training on tally accounting software. Tally ERP 9 software was provided to each of the seven CDS. Periodical reviews were conducted to monitor the tally accounting system. It is observed that CDS receipts and vouchers details are up-to-date. At any time, it is possible to ascertain balance sheet, income and expenditure account and receipts and payments account. 7. Management Information System Pilot of Microfinance Modules Kudumbashree has entered into an agreement with C-DAC to develop a digitized MIS which would be uploaded from each CDS. The software development is funded by the Ministry of IT, Government of India. The first 2 modules to be developed and tested in the field were the general information and micro finance modules. In phase I, an attempt was made for developing comprehensive formats for thrift, internal loan, bank linkage and Bhavanashree operations. MIS pilot project for finalizing the formats was implemented in all CDSs of Kasaragod district and one CDS (Pampakuda) in Ernakulam District. MIS development process has two components; one is database development and second is updating the database. Expected output in Phase I could not be achieved. Out of two outputs, MIS Format and Database, only MIS format could be developed and data base creation could be possible in only one CDS in Ernakulam. In Phase II pilot on data collection, and data entry was carried out. MF formats developed in phase 1 was used for data collection in Panavur Gram Panchayath and Attingal Municipality of Thiruvananthapuram district. Data collection was completed by first week of January 2010. Data entry into C-DAC software was planned to be completed in April-may 2010. After the data entry , necessary changes in formats would be incorporated.
36
In Phase III, final formats would be used for data collection in all CDSs comprising all NHGs. Data base creation would be completed after data collection and data entry of all NHGs in CDAC software. Under the head of capacitation for CDS audit and accounting support, about Rs 313.80 lakhs was spent during the financial year 2009-10. 3.1.2 Micro Enterprises Supporting and sustaining micro enterprises has always been a challenge for development administration. Problems of scale, capability, market and vulnerability etc. do not offer easy solutions. In the recent past Kudumbashree had been attempting to analyse and resolve these problems specifically and jointly, both by increasing the interface with the LSG and the entrepreneur regarding existing programmes, and by bringing new strategies and new programmes that help converge resources and address arising issues proactively and creatively. Coordinating responsibility at different levels State Mission District Mission CDS Micro Enterprise Team headed by Programme Officer ME team led by Assistant District Mission Coordinator ME sub-committee, Micro Enterprise Consultants
(MEC) ADS NHG Income Generation Volunteer Income Generation Volunteer
Activities at different levels NHG ADS Formation of activity groups; support to enterprises Formation of activity groups spanning more than one NHG; support to enterprises CDS Formation of activity groups spanning more than one ADS; Financial assistance to ME; liaison with banks and Kudumbashree Mission; liaison with LSG for financial and infrastructure support; monitoring of enterprises; organising daily/weekly/monthly markets Kudumbashree Annual Administration report
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District Mission
Forwarding applications for subsidy; training and capacity building of enterprises; monitoring of enterprises; formation and support of special enterprises; support for marketing
State Mission
Sanction of subsidy; design of schemes and capacity building programmes; support for marketing initiatives; feasibility assessment and troubleshooting for Samagra projects
Schemes under Micro Enterprises 1. RME Scheme The success of centrally sponsored enterprise programme in the urban areas prompted the Mission to come up with similar enterprise programme in rural areas. The Rural Micro Enterprises (RME) Programme was initiated to help women to set-up Individual and Group enterprises. The minimum number of people required for a group enterprise being five. Various activities like catering groups, tailoring, traditional delicacies, paper products, super markets, direct marketing, various food products, goat rearing, dairy units, rabbit rearing, etc have been formed under the RME programme. Even traditional activities like Goat rearing and Dairy have been set-up under RME.
Details of scheme: Group enterprise Project cost INR 250000 or above Subsidy per group INR 100000 (or 50% of the project cost whichever is less) Subsidy per individual INR 10000
Individual enterprise Project cost INR 50000 or above Subsidy INR 7500 (or 30% of the project cost whichever is less)
Physical achievement: 1123 individual enterprises & 4492 group enterprises in the financial year 2009-10 Kudumbashree Annual Administration report
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RME (Individual) year 2009-10 District Thiruvananthapuram Kollam Pathanamthitta Alappuzha Kottayam Idukki Ernakulam Thrissur Palakkad Malappuram Kozhikode Wayanad Kannur Kasargode Total Subsidy ( Rs.) 225000 255000 Nil 322500 292500 765000 45000 480000 2032500 1426500 1101000 22500 225000 1094000 8286500
No. of Enterprises for Year 2009-10 as on 31.3.10 RME (Group) No groups 432 149 86 767 159 298 1095 174 of
District Thiruvananthapuram Kollam Pathanamthitta Alappuzha Kottayam Idukki Ernakulam Thrissur
Subsidy (Rs) 25292500 7920000 4382500 39125000 8561625 17860000 57487650 9075000
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Palakkad Malappuram Kozhikode Wayanad Kannur Kasargode Total
20010000 19305000 8093500 3730000 12357250 8690000 241890025
144 352 372 233 162 69 4492
2. Yuvashree In order to meet the increasing demands of setting up Micro enterprises, the Yuvashree (programme for generating jobs for 50000 youth) was launched in the year 2005. It provides an opportunity to the unemployed youth, both men and women in the age group 18-35 from Kudumbashree families to start enterprises. Nutrimix, IT units, KAASS and EKSAT are some of the innovative enterprises begun under the banner of Yuvashree. However the Yuvashree programme does not have as many takers as RME and SJSRY, as potential entrepreneurs see the conditionalities of the programme as too restrictive. Hence the Mission proposed for revision of Yuvasree guidelines and the Government issued orders/circular with the major change of the entrepreneurs age from 18-45. Details of the scheme Group enterprise Group may be men/women/mixed groups Age range age between 18 and 45 Qualification SSLC or above Project cost Rs.250000 or above Subsidy per group Rs.100000 (or 50% of the project cost whichever is less)
40
Subsidy per individual Rs.10000 (maximum)
Individual enterprise Age range age between 18 and 45 Qualification SSLC or above Project cost Rs. 50000 Subsidy Rs.7500 (or 30% of the project cost whichever is less) Physical achievement: 40 individual units & 182 group units. Financial achievement: 25.30 lakhs 3. Revolving fund Revolving fund is meant for meeting urgent requirement of working capital. Enterprises are eligible for revolving fund @ 15% of the total project cost subject to a maximum of INR 35000 per group. Financial achievement Details of Revolving fund disbursed - district wise Revolving disbursed 6966385 416700 1880252 1714580 1165000 1916200 8140419 576035 990646 4877385 fund
No 1 2 3 4 5 6 7 8 9 10
District Thiruvananthapuram Kollam Pathanamthitta Alappuzha Kottayam Idukki Ernakulam Thrissur Palakkad Malappuram
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11 12 13 14
Kozhikode Wayanad Kannur Kasargode Total
2839972 664625 820831 1477716 34446746
One of the major issues faced by Micro Enterprise is the shortage of working capital due to delay in payments by wholesalers and departments. Kudumbashree succeeded in providing Rs . 3.44 crores. Revolving fund to units, which helped them in harnessing working capital for continuous production-supply. 4. Crisis management fund Crisis management fund is meant for responding to an unpredictable negative event to prevent it from escalating into an even bigger problem related to Micro enterprise activities of Kudumbashree. Kudumbashree adopts a four pronged approach towards crisis management: 1. Anticipate potential crisis situations and prepare for them 2. Provide accurate information during a crisis 3. React as quickly as possible to the situation 4. Long-term solutions The proposal from the District Mission Team will be scrutinized by a screening committee constituted for the purpose at State level. The screening committee consists of:1. Executive Director 2. Director (A&F) 3. Programme Officer (ME) 4. Accounts Officer Assistance from Crisis Management Fund was provided to about 360 units amounting to a total of Rs.2. 03 Crs. During Onam season with an objective of increasing production, Crisis Management Fund is provided to ME Units as detailed below. Kudumbashree Annual Administration report
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District Thiruvananthapuram Kollam Pathanamthitta Alappuzha Kottayam Idukki Ernakulam Thrissur Palakkad Malappuram Kozhikkode Wayanad Kannur Kasargode Total
Amount Disbursed 3637025 1393000 1206000 812000 50000 120000 5127500 2776000 1089017 2077100 259203 234000 650000 873860 20304705
Amount Refunded 3462025 1241900 1206000 812000 50000 120000 4969658 2776000 1089017 2077100 259203 234000 650000 873860 19820763
5. Cluster and networking The said fund is intended for networking enterprises of similar nature for utilizing economies of scale and for ensuring effective marketing linkage. Nutrimix is an area in which activities were initiated for clustering units at district level. 6. ME Meets ME meets were conducted at block level throughout the State to identify enterprises needing Kudumbashree support and market facilitation. These meets helped in networking those enterprises who had not availed of subsidy support from Kudumbashree. Kudumbashree succeeded in conducting 340 ME meets supporting 11560 enterprises in the last fiscal year. Kudumbashree provided support in the following areas also. 1. Skill trainings Kudumbashree Annual Administration report
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2. Accounting support through KAASS 3. Release of revolving fund / subsidy 4. Productivity improvement programmes 5. Marketing support 6. Inter district product transfer 8. Innovative Enterprises Some innovative micro enterprises are listed below: a) Solid Waste Management KUDUMBASHREE initiated an innovative enterprise namely, 'Clean Kerala Business'. Under this enterprise, women from the poor families who are the members of the Community Based Organisations (CBOs) of Kudumbashree are engaged in door to door household waste collection and transport to the transit points fixed by the Urban Local Bodies. Discussions were held with all ULBs with Solid waste management units and issues of income, hygiene, management support, social security were addressed. Govt have constituted a working group to examine the proposals submitted by Kudumbashree on the basis of these consultations. Based on the report and the committee Government has issued order for ensuring supporting managers for the solid waste unit. b) Nature Fresh Utilizing the enterprise opportunity of producing and marketing fresh milk to urban consumers, Kudumbashree implemented the pilot micro enterprise project named Nature Fresh at Edavetti Grama Panchayat of Idukki district and then Kannady Grama panchayath of Palakkad district. As part of the project, cows were distributed to women entrepreneurs. The milk produced is delivered to the houses within one hour in bottles by a four member women marketing group. Traceability is ensured by numbering the cows and the same number is affixed to the bottles containing its milk. Low cost cattle sheds to ensure maximum hygiene, designed by experts have been constructed in all the homesteads. There was also hands on facilitation by the veterinary surgeon and the dairy development officer on matters of feed, disease management, hygiene control etc. Two wheeler vehicles have been provided to the marketing group through loans. The beauty of the project is that hygienic Kudumbashree Annual Administration report
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management and fresh supply have enabled the project to charge a premium price for the milk for its freshness, and demand continues to outstrip supply. In order to extend the Nature Fresh Project to other district a workshop had been conducted at Yuvakshethra, Palakkad. Grama Panchayath Presidents, Vet. Surgeon and District Mission team Field visit at Kannadi Nature Fresh was members were participated in the workshop.
also organised as part of the workshop. As a results several panchayaths are coming forward to implement this scheme. Alagappa Nagar in Trissur has already launched the project. Sasthamkotta in Kollam and Thidanadu in Kottayam Districts are also ready to launch the project. c) Amrutham Food Supplement The AMRUTHAM unit produces a baby food supplement developed by Central Plantation Crops Research Institute (CPCRI) Kasaragod. anganwadi network by the Amrutham units. Action had been taken to procure and supply Wheat required for the production of Amrutham Food Supplement in subsidised rate (Rs.4.15 per kg) under Wheat Based Nutrition Programme. A co-ordination Committee of Nutrimix Units in each and every district is formed and under the strict supervision of DMT,.This committee is engaged in procuring and distribution of wheat from the FCI godowns to the Nutrimix Units. A total quantity of 34, 33,000. kgms of wheat procured during the year 2009-10. e) IT & ITES Much of the data entry work taken up by Government departments is being out sourced to these units which give employment to over 2500 poor women. In 2009-10, the IT units were taken up mostly with digitizing the BPL data and ration cards for the State Govt. RSBY, AABY related works. Hospital kiosks for birth registration were also taken up by various IT units. Capacitation of these units to take on servicing web management and free software based work is underway. A proposal to form an IT consortium for these units is under active consideration. For finding out suitable entrepreneurs, GOT conducted as detailed below: District Thiruvananthapuram Kollam GOT Conducted 87 71 Total No. of Participants 21785 6942 Kudumbashree has 400 operational units. Food for The Take Home Ration Scheme is provided to the
45
Pathanamthitta Alappuzha Kottayam Idukki Ernakulam Thrissur Palakkad Malappuram Kozhikkode Wayanad Kannur Kasargode Total
0 72 109 62 439 90 146 12 90 30 149 62 1419
0 10800 10048 10599 25400 17396 17296 780 12138 3854 15360 6983 159381
In order to develop entrepreneurial Skill, EDP & Skill training were conducted as below. District No.of EDPs No.of participants Thiruvananthapuram Kollam Pathanamthitta Alappuzha Kottayam Idukki Ernakulam Thrissur Palakkad Malappuram Kozhikkode 34 52 20 49 55 20 284 57 47 1 60 2169 3412 1782 3675 3420 800 16016 3854 2894 68 736 No.of Training 60 14 6 6 18 122 76 56 88 1 62 Skill No.of participants 4191 588 630 65 1019 4768 7195 13074 3341 35 786
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Wayanad Kannur Kasargode Total
20 16 46 761
724 2550 1725 43825
18 87 1 615
601 2406 1 38700
For enhancing the skill of existing entrepreneurs PIP & Accounting training were conducted as below. District No.of Training Thiruvananthapuram Kollam Pathanamthitta Alappuzha Kottayam Idukki Ernakulam Thrissur Palakkad Malappuram Kozhikkode Wayanad Kannur Kasargode Total 0 0 1 0 3 0 0 2 6 0 1 0 0 1 14 PIP No.of participants 0 0 35 0 100 0 0 300 375 0 50 0 0 161 1021 No.of Accounting Trainings 0 8 1 0 3 0 0 0 6 0 0 6 2 1 27 0 330 42 0 116 0 0 0 375 0 0 220 172 27 1282 No.of participants
Strengthening Of Micro Enterprises Consultant (MEC) Systems The existence of enterprises is heavily dependent on the quantum and quality of hand holding support provided. In order to ensure frequent and quality hand holding support MECs were selected and positioned after training. 130 numbers of MECs were newly inducted in to service Kudumbashree Annual Administration report
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in the year 2009-10, enhancing the total number of MECs to 250. A Business Plan for MECs has been prepared and circulated to District Missions. In order to equip them with adequate knowledge in Business Management Practices, CREAM (Certificate in Rural Entrepreneurship Administration and Management) training is started with the support of Timbaktu Foundation. 33 persons are selected and training for 42 days (7 months x 6 days each) is being given. Using them as RPs TEAM training are conducted in district level for the entire 250 MECs for 18 days (6 months x 3 days) Each MECis given charge of 6 existing ME units and they are entrusted to visit these ME units at least once every month and to take efforts to improve functioning of the ME units. Tourism Souvenir As part of the Souvenir project, an agreement was made with renowned artist Shri. K.B.Jinan of Kumbhalam Aruvacode for developing 150 new souvenir designs in terracotta A training for 20 women entrepreneur in the new designs was organised. Developing souvenir products in sectors like screw pine and other natural fibres with the active support of institutions like Kerala State Institute of Designs is also under consideration. 3.1.3 Samagra Samagra is an attempt to address the entire production supply value chain holistically, by scaling up productive activity both qualitatively and quantitatively and seeking viable supply and marketing opportunities. This makes it imperative to think beyond the local market, as well design appropriate wholesale/ institutional tie-ups. It also necessitates other interventions in terms of ensuring legal compliance, market research, branding, trade promotions, distribution network etc. Samagra is implemented in the State in collaboration with the three -tier local selfgovernments and other agencies. The activities delineated in the Samagra projects vary according to the nature of the project. The Samagra Project is implemented on the basis of Samagra Guidelines issued by the Mission. The activities of Samagra are as follows: Scale up of enterprise activities to bring economies of scale. Convergence of different activities/departments Ensuring product diversification and quality enhancement. Employing the marketing strategies and techniques.
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Projects under Samagra 1. Nendran Banana Project The Nendran Project implemented in Trivandrum District aims at bringing 2,400 ha of land under Nendran cultivation by generating employment opportunities to 30,000 women beneficiaries. The Project was implemented under the active participation District Panchayath, Kudumbashree Mission, National Horticultural Mission and Private Partner, Prowins Agri System. The project cost was Rs 42.66 crores. In Trivandrum, as part of the Samagra Project 13,000 women beneficiaries are directly involved in the production of Nendran Banana. The Project is being revised and phased out. The revised project cost is Rs 40.60crores Phase I of the Samagra is nearing completion with Nendran cultivation in 1,780 ha in 34 Panchayaths, A tissue culture lab, soil testing lab and bio control lab is being set up as part of the Nendran Project. The non feasible components such as Leaf Analyis lab, Banana Paper unit, Banana Fiber unit, Reefer Trucks etc were revoked. The products are absorbed in VFPCK and other local markets. Phase II of the Project which comprises of Expansion of the Nendran Cultivation into remaining 21 Panchayaths has been started under the leadership and active participation of CDS. In this phase, 800 ha of land will be brought under Nendran cultivation. In the second phase, cultivators have been grouped into JLGs with interest subsidy benefits. The technical facilitation is being provided by the Private Partner, Prowins Agri System. In order to bring sustainability in the Nendran Project, Master Farmers are selected and given capacity building training to shoulder the technical facilitation responsibilities even after the private partner exits. For ensuring that the responsibilities are carried out efficiently an MOU is signed with District Panchayat, Kudumbashree and Prowins Agri System. In order to bring more coordination for the project, block level coordinators are being positioned. The block level coordinators will coordinate with the Master Farmers. The CDS Mechanism is involved in facilitating bank linkage. . Review mechanism is inbuilt in the project so that trouble-shooting takes place immediately and corrective measures can be adopted without delay. The HO reviews the progress of the project once in two weeks with all the Staff of the District Mission..
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The Third Phase of the Project is value addition. Owing to unavailability of NHM funds this component was shifted to third Phase. Value-addition will be taken up in small scale on a pilot basis. 2. Harithasree Harithashree aims at cultivating vegetables in the nearby panchayats of Thiruvananthapuram corporation to satisfy the demand of the corporation. The project cost is Rs10.21 crores. Activity groups consists of five women take up cultivation throughout the year. In 2009, 1,085 activity groups were engaged in the cultivation of 130 ha of land. Expenditure of Rs. 7,56,501 was incurred. 3. Nedumpana Apparel Park The Nedumpana Apparel Park is established in Nedumpanna Grama Panchayath in Kollam District where a high end, semi automated tailoring facility is set up. The unit is employing stateof-the-art machinery for producing high quality apparels. The unit is providing employment opportunities for 46 women. The unit started working from March 2010. Shirts, Nighty, Uniform, and Frocks are stitched based on orders. A total of 440 shirts were stitched and given to Zoom Focus Shirts; 1,140 Nightys were also stitched for an entrepreneur. The project cost is 71.44 lakhs and funds have been provided by the Industries Department, Govt. of Kerala for this project apart from LSG and kudumbasree funds. The Future Plans are developing the NAP star brand and marketing shirt and ladies wear in this brand name. Also, plans are afoot to design products by using the CAD Software and other Fashion Designing Software. There are plans for getting Fair Trade Certification and linking this Project with export in the fair trade market. 4. Madhuram Project The Samagra Project of Pathnamthitta District carries the objective of providing employment to 10,000 women beneficiaries by engaging them in Bee Farming. The Rubber Plantations in Pathnamthitta provides an encouraging environment for Apiculture. The project cost was originally 31.35 crores for activities like establishment of bee hives, procurement and processing centers, Agmark labs and also value addition of honey. The honey production which started from Feb 2009 by 216 groups yielded 45.7tonne honey. The Project was revised in 2009. The revised Project cost is Rs.7 crore. During this year ( FebApril 2010 ) 210 groups have produced 20.3 tonnes of honey. It is also planned to set up a honey Kudumbashree Annual Administration report
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processing centre in Parakkode Block Panchyath. Tender for buying the machineries for the processing centre has been finalized. The project aims to establish marketing tie up with institutional buyers such as Kottackal and Oushadi. Also, there are plans for branding the honey as well as formulating strategies for capturing the retail market. 6. Marari Mushroom This project aims at mushroom and spawn production. Area of operation is Aryad and Kanjikuzhi block of Alappuzha district, which covers eight panchayats. A total of 300 women from 50 units form the direct beneficiaries of this project. 50 mushroom production units and one spawn production unit will be set up. The project intends to produce 1,000kg of mushroom per day. The varieties of mushrooms produced will be milky ( Calocybe indica) and oyster (Pluerotus sp). This will be marketed to the local market, supermarket chains, hotels of Alappuzha and Ernakulam districts through Marari Marketing Company Limited. Beneficiaries for 20 units were selected. Construction of spawn unit is underway. A model cultivation unit was set up for skill training in mushroom. This Model cultivation unit is fully activated. Skill training to 66 beneficiaries has been completed and training was given by Tropical Botanical Garden and Research Institute. 7. Ornamental Fish Project Ornamental fish culture is a novel micro enterprise activity taken up in Vaikkom Block Panchayat of Kottayam district, where majority of the people are depending on the traditional sectors such as fisheries and coir for their livelihood. The project aims to develop income generating activities for Kudumbasree NHG members, with the maximum utilisation of the natural resources and human resources available. The enterprises were started under the joint initiative of Matsyafed, Block Panchayat and Kudumbashree Mission. The project worth Rs.1.5 crore supports 200 units comprising 1,000 women in one Block Panchayat and six Grama Panchayats. Implementing agencies of this project are District Mission Office Kottayam and Matsyafed, Kottayam. All the activities for the project are directly supervised by Primary Fishermen Welfare and Development Cooperative Societies functioning in Udayanapuram Grama Panchayat. So far 42 units have taken up the project. Major items of fishes cultured are Gold fish, Guppy, Platy, Molly, Angel fish, Gaurami.. Ornamental fish cultured are marketed through Kavil agency. A monitoring committee consisting of DMC Kottayam, District Manager Matsyafed, Kottayam, concerned Grama Panchayat Presidents and CDS committee for the performance appraisal, follow up and expansion guidelines and assistance is also established. Kudumbashree Annual Administration report
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8. Ksheerasagaram Ksheerasagaram is one among the innovative projects of Kudumbashree, conceived for Idukki district in collaboration with Idukki District Panchayat, Nedumkandom Block Panchayat and seven Grama Panchayats of Nedumkandam block, Agriculture Department, Animal Husbandry Department, KLD Board and banks. Total outlay of the project is Rs. 2.462 crores. The three-year project was started in March 2009 and during the year 2009-2010, the project has succeeded in giving employment to 245 NHG members through cow rearing, milk marketing and value addition. Newly designed hygienic cattle sheds were constructed in all units. 490 high yielding animals were brought from outside states which have resulted in raising the average milk production of Nedumkandum block by 5,000 litres/ day. More than 55 acres of land were brought under fodder cultivation by this project, which assisted farmers in reducing unit cost of production. In addition, 245 biogas plants were constructed so as to augment family income of these units. A unit for value addition has also been started as part of this project. Production of hygienic milk is one of the major features of the project. Plans are formulated to introduce marketing units so that milk produced by these units are captured as a whole and sold to households in a fresh state. Preparation and marketing of homemade chocolates are also envisaged. The second phase of the project is aimed at providing employment to 440 beneficiaries by establishing one cow diary units. Construction of hygienic cattle sheds; biogas plants and fodder cultivation to at least 1 acre by a group are also made mandatory in the project so as to increase income per unit. 9. Poomala Nature Fresh Project The project is implemented in Velliyamattom grama panchayat of Idukki District, which has 1,500 ST families in NHGs, with the assistance of Grama Panchayat and Animal Husbandry Department. With an aim to increase general health status of children and provide a small earning for Kudumbashree women of Velliyamattam panchayat, 1,350 backyard poultry units, have been started in Velliyamattom panchayat. Two egger nursery units have also been established in which one day old chicks from Kerala Agricultural University are raised up to 45 days and sold to backyard poultry units. The project has resulted in an additional production of 500 eggs/day. Marketing groups are being identified. 10. Thirumadhuram
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The Samagra project formulated in the Ernakulam district is implemented jointly by Ernakulam District Panchayat, Kudumbashree Mission and grama panchayats. The project envisages cultivation of pine apple in a total of 500 ha. The project cost is Rs.33.33crores. During 2009-2010, 200 ha of land was cultivated by 175 groups and 10,848 tonnes of pineapple was produced. As a part of value addition, Pine apple RTS is marketed in the brand name of pineshree. 11. Nivedyam The Nivedyam project, which aims at production of Kadali ( a variety of banana) for for holy rituals in temples, is implemented in Thrissur district. The project is implemented jointly by Kodakara Block Panchayat, Grama panchayats within the block and Kudumbashree mission. The bunches of Kadali banana are supplied to Guruvayur temple for daily rituals through a cooperative society for marketing. Eighty activity groups together cultivated in 40 acres of land and 8,67,292 bunches were supplied to Devaswom. 12. Kondattom Project The Kondattoms are crispy fries of Palakkad. The project aims to start 24 Common Facility Centres employing 480 women thereby producing 21 varieties of Kondattom. The project will be helping in rejuvenating the agricultural sector at a cost of Rs. 2.85 crores. Eleven experienced women from the Brahmin community engaged in Kondattom production were identified, given training and positioned as leaders for the group. Out of the 21 varieties of Kondattoms, eight varieties which have good market potential were standardised and Production Protocol has been prepared. The project has been slow to take off, due to unavailability of land. Only one cluster has commenced with 10 women beneficiaries at Kottai. Five more places have been identified for starting the CFC, and building modification works are going on in the identified areas. The future plan for this Project include, expansion of the production to 23 CFCs marketing the produce in the brand name Sun Fresh as well as forming a Producer Society. 13. Manufacturing of Footwear Uppers This Samagra Project is implemented in CheruvannurNallalam Grama Panchayath in Kozhikode District is under the joint collaboration of Grama Panchayath, Kudumbashree and VKC Foot wear Manufacturing Company. The local foot wear industry has been beset by problems of shortage of skilled labour to work on the leather uppers. The industry set up a high tech training Kudumbashree Annual Administration report
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centre with the support of CLRI. The project aims to correct this labour shortage by having a homegrown skill base, that would be provided handholding support and apprenticeship till they become self-dependent. As part of the programme, technical skill training will be provided to 1,000 women in the area of cutting, clipping, Computer Aided Design (CAD) etc. The uppers manufactured by the Kudumbashree units will bought back by VKC according to MOU signed by the parties. 10 units have been set up generating employment to 100 women beneficiaries. 14. Goat Village Project A Samagra project of Kannur district, Goat Village is aimed at providing regular source of income to 5,000 Kudumbashree members in 40 panchayats of the district, through goat rearing enterprise. The project is being implemented by Kudumbashree mission with the help of Kannur District Panchayat. The project also intends to create an organized market for goat meat. A modern slaughter house is being set up as part of this project by the District Panchayat, which procure animals from the units. The project envisages to achieve a boost in mutton production by about 335 tonnes, milk production by 18 lakh litres annually. The project succeeded in forming 375 units. An amount of Rs. 25 lakhs has been spent by District Panchayat for constructing slaughter house. A 40 group Veterinary Extension team has been appointed for constant monitoring and reporting of the project. All the beneficiaries who have already started units are being given performance improvement training using revised module prepared by experts and including practical classes, demonstrations, and field visits. Special training classes are being carried out so as to create awareness about the project among CDS chairpersons of the panchayats where the project is being carried out. As a part of monitoring an extensive survey has been carried out in existing units the details and problems of each unit have been identified and catalogued. Measures are being carried out to ensure organized purchase of animals from agencies after thorough study about the agency. Future plans include supply of CDS checklists, and development of a monitoring system which include Panchayat level and District Level monitoring committees. A project Evaluation committee is to be formed under the supervision of District Mission. 15. Saphalam Project Saphalam Project is implemented by Kudumbashree in association with the Kasargode District Panchayath, Block Panchayath and Grama Panchayaths. The Project cost is Rs 225.31 lakhs. The project aims at collection, processing and value addition of cashew nuts. The Project aims to set up 36 cashew processing units and one cashew apple processing unit in 12 Grama Kudumbashree Annual Administration report
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Panchayaths. 12 cashew processing centers and one cashew apple processing centre have been established employing about 100 women beneficiaries. Paranky Nut is the brand developed and so far 15 tonnes of cashew nuts were processed and sold in the market for Rs.45 lakhs . The future plans of the Project includes value addition to bring roasted cashews and salted cashews into the product portfolio to capture the retail markets. To reach potential distributors the Vehicle purchased by the District Panchayath is placed with the sales executives. This year sales turnover of Rs 75 lakhs is expected to be generated. 3.1.4 Collective Farming Collective farming in Kerala had gone beyond the sole objective of ensuring food security. It has become an instrument of social and economic inclusion and has heralded an era of new social relations by providing women a collective voice. Women have become leaders who have control over time, resources and produce. From a labourer destined to work for minimal wage, collective farming has transformed the beneficiaries to effective producers. Increased financial returns and sustainable employment opportunities have given them a sense of security and the much needed hope for the future. A typical farming group formed consists of 4-10 members. These groups are now being organized as Joint Liability Groups (JLG) to make available institutional credit and also for proper monitoring. The group cultivates in one of the three types of land viz, own, leased or Government land. Majority of women groups take up land in lease for cultivation. Eligible assistance is made available from all the converging partners. The venture is made profitable through convergence of various departments. Collective farming is one of the important intervention areas of Kudumbashree in the livelihood sector. A campaign for panchayat and NREGS linkage in 2009-10 saw an exponential increase in women talking up agriculture as activity groups. The focus was on rice and vegetables, and a double benefit of livelihood and food security made collective farming a popular intervention with over 2.3 lakh women taking up agriculture. This was made possible because of the integration with the CDS action plans, where a bottom up demand flow was able to identify larger number of women who wanted to come into farming, and the LSG linkage helped in channelizing inputs and training, increasing the confidence of women to take on cultivation, and to find the lands to do so. Role of Kudumbashree Mission
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Apart from mobilizing the farming groups, the Mission provides Area incentive according to the area and crop cultivated and also production incentive according to the productivity for promoting farming, thus making the fallow land cultivable. In some cases, Training and Market support is also given. The State Government supports farming groups organized as Joint Liabilty groups through interest subsidy. Five per cent subsidy is provided for the interest rate on loans taken as crop loan from the banks. Role Local Self Government Panchayats help the farming groups by making available the inputs, machineries through
Paadasekharasamitis (Field committtess). They also organise special markets for the produce. NREGS is functioning through LSG. In Muttil Panchayat in Wayanad District, Collective farming is practiced in an exemplary manner . Special markets are arranged as there is a good demand in the market for the vegetables cultivated through collective farming. Even the minority groups and the backward communities are engaged actively in collective farming. The input provided by the agricultural department and the incentives given by Kudumbashree motivates them to take up farming. NREGS through Grama Panchayats NREGS is integrated with collective farming by providing the labour for agricultural activities like land preparation and irrigation. One time development of land for farming is permissible under NREGS. A successful case of integration of NREGS with the panchayat and kudumabshree support is that of Perambra, where 140 acres of land which was lying fallow for the past 25 years was brought under cultivation by 35 farming groups. The land was previously rendered unusable on account of the garbage dumping of the Perambra town. Previously clearing of the garbage dump had been tried by many others and was unsuccessful. With the determined effort of the Kudumbashree women, the land could be made cultivable under the NREGS programme, and over 100 acres of paddy was harvested for the first time in 25 years. Agricultural department-krishibhavan
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Krishibhavan supports farming groups by providing subsidy for seeds and fertilizers. Soil sample testing is one of the activities done by the Krishi Bhavans for the groups. Crop insurance is also provided. Through the benefits received as a part of collective farming, many groups and their respective families prospered. In Uduma Panchayat in Kasaragode around 110 acres area was cultivated under collective farming with the joint effort of the Agricultural Department and Panchayat. Power-tiller was given to Kudumbashree for tillage purpose from Padasekharasamiti. The paddy harvested was marketed as Kathir Rice. Credit sources Credit sources such as primary Agricultural Cooperative societies, nationalised banks and other private banks are important supporting agencies for the collective farming groups. PACS provide interest free loans for selected crops and play an important role in the farming by these women groups .Nationalised banks and some private banks provide crop loan for the group at 7 percent. Out of this 7 percent 5 percent is provided as interest subsidy from Kudumbashree and hence the group gets the loan at a low interest rate. If the group is able to leverage the 2% interest subsidy available from GOI for prompt repayment, it would in effect become an interest free loan. Agricultural University-Krishi Vigyan Kendra (KVK), ATMA Training on agricultural activities has been given through KVKs ATMA. The department has also been providing support to some Samagra projects. Physical and Financial achievements During the financial year 2009-2010, various crops including paddy, vegetables and others (banana, tapioca, pineapple, ginger medicinal plants, betel vine) were cultivated in a total area of 25062.081 ha. Area brought under cultivation of paddy was 6790.96 ha, Vegetables contributed to 2987.954ha and 15383.23 ha of area was covered by other crops. Details of area covered are depicted in Table A. correspondingly area incentive of Rs 10.68 crore has been distributed by Kudumbashree. In addition to this, a production incentive of Rs 9.43 crore was also given. Thus a total expenditure of Rs 20.11 crore was incurred by Kudumbashree for Collective farming. Table A. Area covered under collective farming 2009-2010 Sl.no district Area cultivated (in ha) Total area NHGs
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(in ha) Paddy 1 2 3 4 5 6 7 TVM KLM PTA ALP KTM IDK EKM 66.93 159.92 122 388.56 566.10 245.60 400 CDS 626.54 624.13 Vegetables 160.15 38.966 16 26.468 39.1176 1269.20 323 Others 2433.768 238.467 109 33.38 470.3044 6610.40 1383 2660.848 437.361 247 448.516 1075.53 8125.2 2106 1773 1204 2872 2504 1773 9805 3988
Sl.no district 8 TSR 9 1 10 11 2 12 3 13 4 14 5 PKD Thrissur MPM KKD Kannur WYD Idukki KNR
No of No.of women 306.372 43.168 groups 52.38 625.47 399 651.92 987.7 400 734.72 183 878 93 183.93 59 15383.2
Area under Remarks 976.08 4979 cultivation 1301.98 3812 (acres) 554 1480.61 1171.5 529 1847.78 555 2616 150 567.676 Volumes 5004 and multi crop 2090 season Cool vegetables, multi
Veloorkkara 142 648.34 180.35 135.3 48.5 Cherupuzha 125 863.08 249.9 Kanthalloor 160 1523 215
cropping 1316 Remote area, food security initiative 2308 Total fallow free panchayat 3016
Ernakulam Pambakkuda 93 KSD 421.43 62.55 Kozhikode Perambra Total 6726.1 35 2968.254
140 25062.081 Innovative 46444 integration with NREGS
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Some CF experiences In the Kollayil Panchayat of Thiruvananthapuram, 6 acres of land was made cultivable through collective farming which was lying fallow for 17 years by the members of Kudumbashree in the region. From the harvest, the members they could sell 1500kg of paddy apart from the quantity kept for consumption. Since the agriculture practice mainly adopted organic farming, there was a great demand for the produce especially vegetables apart from paddy. Aryankavu Panchayat in Kollam is a remote a forest area. The location and the underdevelopment of the region made the area inaccessible leave alone staring any enterprise or farming. Seventeen families, most of them from the SC community lived in the 3 rd ward which is 17 km away from the panchayat office. Their sole income was from a private estate which was closed later driving the families into absolute poverty. Timely intervention from the LSG helped them form three NHGs and with the help of training and input support from Krishi Bhavan along with the area incentive provided by Kudumbashree, the groups started collective farming activities. As the area was constantly attacked by wild elephants solar fencing was done to protect the area. Each group found their own land and started banana cultivation. 650 banana suckers were planted with the linkage loan taken by NHGs. The banana cultivation was successful and they could get a decent price for their produce. In the Cheruthazham CDS of Kannur, the members of Kudumbashree were never engaged in farming or related activities. CDS motivated ten groups of women to engage in paddy cultivation. Internal loan from NHG was raised for the purpose. Their attempt to cultivate paddy was quite successful. They were able to repay the loan by just selling the straw and the activity was profitable for the groups. Incentives were given by the Mission. The success story of these groups prompted many others to take up collective farming. Thus more area was brought under cultivation. Apart from farming, the group started a flour mill and sold the products branding it as Cheruthazham Ponmani. Marketing Activities Market Development Support Kudumbashree provides support to micro-enterprises to enhance their marketing capabilities. Kudumbashree Annual Administration report
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Specific training programmes are designed to help entrepreneurs gain skills and aptitude to approach the market in an effective manner. Monthly markets are organized by district level Sales and Marketing Enterprises to provide regular market interface to the enterprises. In many cases, the CDS have initiated weekly and daily markets enabling much stronger market linkage for the enterprises. Kudumbashree promotes Community Marketing Enterprises to enable micro-enterprises to access markets on a regular basis. These support enterprises will enable clustering of the microenterprise units and help clusters achieve economies of scale. Support for brand development and communication activities are also provided. 1. Monthly Markets The monthly markets which became operational in October 2007 in district levels and later to Panchayat levels became a permanent market for the entrepreneurs that offer them regular returns. The monthly markets organized to sell the produce of entrepreneurs at a particular venue at the start have undergone tremendous changes i.e. in the organization, conduct of fairs, ownership of organizing the fairs, quality & quantity of produce and so on. The platform provided entrepreneurs with an opportunity to know customer preferences, volume of sales, regular customers, their feedback etc. The monthly markets conducted with the help and participation of CDS received good support from the Panchayat and regular markets at Panchayat level became possible. The organisation of such markets now extend to local and state level festivals and fairs like Onam, Christmas, Ramzan etc. The state and district missions of Kudumbashree coordinate the involvement of entrepreneur units in various fairs organised by departments and agencies, both within the state and outside which would fetch good returns to the entrepreneurs, and which promote the products of kudumbashree. The positioning of kudumabshree as an eco friendly, ethnic brand is also happening through this process.
The number of fairs and the returns received from these fairs are given below:
SL.NO 1
DISTRICT Trivandrum
NO OF FAIRS 52
TURNOVER(RS) 970939
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2 3 4 5 6 7 8 9 10 11 12 13 14
Kollam Pathanamthitta Alappuzha Kottayam Idukki Ernakulam Thrissur Malappuram Palakkad Kozhikkode Wayanad Kannur Kasaragode Total
153 64 16 17 281 59 30 57 101 65 27 61 63 1046 (Figures- 2009-10)
6284257 468211 123080 132287 2682037 3577077 601129 694092 3053010 916316 386952 4194722 988664 25072773
2. Seasonal Fairs Around, 1600 seasonal fairs have been conducted in the last financial year.
Onam Fairs (2009-10) Kudumbashree was able to conduct 1028 fairs and attain a sales turnover of Rs 117105245/- as against its target of 1000 fairs and a sales turnover of Rs 5-6 crores. Many innovations characterised the Onam fairs with the CDS taking the initiative to bring each ADS into the festivities, and taking advance orders, and with the local self governments taking the lead to raise sponsorships, and organise cultural events around the market. District wise break up of sales is given below: Sl.no 1 2 District Trivandrum Kollam No.of Fairs 81 76 Turnover(Rs) 8761748 8014509
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3 4 5 6 7 8 9 10 11 12 13 14
Pathanamthitta Alappuzha Kottayam Idukki Ernakulam Trissur Malappuram Palakkad Kozhikkode Wayanad Kannur Kasaragode State trade fair Total
38 112 58 60 109 101 82 75 79 28 83 45 1 1028
7581500 18791226 3120000 4240815 23712547 11103259 8556477 5070000 5017828 2244738 8275428 2362870 252300 117105245
354 Christmas fairs fetching Rs 17946845 were also organised. The monthly market intervention led to quite a few panchayats conducting weekly and daily markets after being convinced of the potential for regular sales and demand. The scope for setting up permanent outlets in the concerned areas is the next area to explore. Event Management Group (EMG), a concept developed by Kudumbashree to run the markets and later to manage the retails outlets in all districts got operational in Thiruvananthapuram, Ernakulam, Malappuram & Kozhikkode. The process of identification is ongoing in other districts. 3. India International Trade Fair (IITF) IITF, an opportunity for brand image creation and a platform to sell Kudumbashree products was utilised to display the new Packing & labelling of products. Awareness of most moving products and customer tastes & preferences was studied. Bulk orders were received for products like herbal products, coconut oil, cashew etc. The sales turn over of IITF was Rs. 3,10,000/-. Kudumbashree Annual Administration report
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4. Community marketing project A major marketing initiative that Kudumbashree Mission has taken up during 2009-10 is in initiation of Home Shop model of community marketing networks. Community marketing refers to the process of marketing goods made by Kudumbashree enterprises and groups directly to consumers in the local community through a distribution system built with the support of Kudumbashree CBOs and managed by a professional management team. The Home shop model emerged in Thrissur district and soon became successful with a network of over 500 women strong marketing team, 10 MEs and a monthly turnover of over Rs. 25 Lakhs. Based on the success of this model, a state level workshop on Home Shop model community marketing was conducted at KILA, Thrissur during 16 th and 17th of February, 2010. During this two day workshop, district missions and representatives from LSGs were familiarised with the conceptual and operational aspects of implementing community marketing models, and action plans were developed for each district. Based on the above, community marketing networks have been established in Kozhikode district and are currently being implemented in Kasargod, Kannur, Malappuram, Pathanamthitta, and Thiruvananthapuram districts.
Guidelines for Community Marketing Project With increased focus on establishing the Home Shop model of community marketing projects in the state, there was an apparent need of guidelines for setting up these projects in a uniform manner. Since the homeshop model at Thrissur itself has undergone various transformations and refinements before it reached the present successful model, it was imperative that the learnings from the same were incorporated while executing similar projects elsewhere. With this objective in mind, a comprehensive guideline for the establishment and operations of community marketing projects was issued by the state mission.
The Guidelines consists of the following Definition Rationale
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Objectives Model Financial Support Organisational Structure Procedure Features Margin structure/ profit sharing
Guidelines for Sales and Marketing Enterprises There has been a felt need for setting up enterprises whose function is to exclusively market products of Kudumbashree enterprises. Current Micro enterprises programmes viz. RME, Yuvashreee or SJSRY were designed largely with production micro enterprises in mind, and hence held limitations for setting up enterprises that solely focussed on marketing of Kudumbashree products or creating management structures. To address this gap, a new programme called Sales and Marketing Enterprises (SME) was designed. Under this programme, two types of marketing enterprises for Kudumbashree products can be set up: a. Local SMEs b. Mission Initiated SMEs The SMEs would help in the establishment of marketing and management enterprises for various initiatives such as community marketing, EMG groups, Retail distribution groups, retail shops, Responsible Tourism ventures etc.
5.
Branding
Creating a systematic arrangement for branding of Kudumbashree products was required so as to
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a) Provide better protection for Kudumbashree brands b) To avail tax exemptions made available to Kudumbashree brands and c) Assist enterprises to enhance their marketing avenues. Accordingly, expression of interest was invited from Patent and Trademark registration firms for the purpose of branding Kudumbashree Missions flagship brands such as Kudumbashree, Amrutham, Santhwanam, Nature fresh, Napstar etc, as well as for brands of independent Kudumbashree enterprises. Based on the EOIs received, M/s PMG Associates, Cochin was awarded the assignment of registering the brands. Presently, registration of various brands in different classes is underway. Registration of brands by different district missions for brands such as Paranky Nuts (Cashew nuts), Pineshree (Pineapple drink) were also carried out by concerned district missions.
Marketing support for Samagra projects Market surveys were conducted for understanding the market dynamics of the following products and formulating appropriate marketing plans. a. Mushroom b. Homemade Chocolates c. Kondattam Marketing support for the Samagra projects of Marari Mushroom, Nedumpana Apparel park, Kondattam, peoples project etc were also provided.
Market support for Garment units Garment units Nedumpana Apparel park and Marari Garment units have been assisted towards establishing market linkages and creating their brands. Nedumpana Apparel park has developed its brand Napstar and is in the process of marketing its own brand of apparel. Various government agencies, schools and private firms have also been linked with these units, so that Kudumbashree Annual Administration report
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they now operate with adequate work orders. With the assistance of current market linkages, development of a garment consortium that encompasses various Kudumbashree garments in the state is being planned. An exclusive web portal (www.kudumbashreeapparel.com) has been developed with the purpose of further developing business linkages with prospective customers Now the products coming to monthly market can compete with other local products in quality, packing and labelling. Through the monthly market, entrepreneurs have achieved sales of Rs.1600 lakhs. Marketing Report 2009-10 Targets Sl. No. Name of the Physical Scheme/ Component 1 Marketing Strategies Products. 1000 for monthly 1300 seasonal fairs. Rs. lakhs 539 1046 monthly markets, 1600 seasonal fairs. Rs.191. 56 lakhs Financial Social Targets achieved Physical Financial Social
Kudumbashree markets,
Innovative Initiatives from Districts Thiruvananthapuram During the Attukal pongala festival, the EMG of the ditrict supplied Pongala kits to the devotees. 1896 Pongala kits were given at a price of Rs. 250 per kit. The kit included items such as Sari, utensils, Rice (1 Kg), Jaggery and other essential items. The district mission plans to scale up this activity in the coming years. Kollam The Nutrimix units of Kollam district have joined together to produce value added products under the brand name of Amrutham and have been marketing the same successfully in the retail market as well as Supplyco and Triveni stores. The products include wheat and rice powders. Kudumbashree Annual Administration report
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Alappuzha A chain of six Kudumbashree retail stores are being established in the following panchayats: Muhamma, Thuravoor, Palamel, Pattanakkad, Chingoli and Devikulangara. These stores are focussed on selling branded items of microenterprises as well as products of collective farming. As a part of supplying products to this chain, initially five enterprises have been chosen to provide good quality packed and branded products. Pathanamthitta During the Sabarimala festival season, the district mission put up four stalls in Sabarimala named Sree Sabari stalls for the marketing of Honey from the Madhuram honey project. This initiative was the first step towards branding and marketing of Honey. Kottayam Under the leadership of Kottayam district mission, the ornamental fish project at Vaikkom was able to enter into a marketing tie-up with Kerala Aqua Ventures Limited (KAVIL), Kadungallur for export of ornamental fish. An initial consignment of 30,000 ornamental fishes (such as Tiger barb, Gold fish, White Molly, Tarpi Tetra etc) was exported from 45 Kudumbashree units of TV puram. In another initiative, a food processing CFC at chirakkadavu panchayat (consisting of 12 Kudumbashree activity groups) developed a range of food products such as Rice powders, Curry powders and pickles under the brand Thaalam. They have been marketing the same in the market using a mobile van unit as well as through a distribution channel consisting of dealers, margin free shops, supplyco shops etc. Idukki In Idukki district, an innovative marketing project has been established under the Ksheersagaram samagra project. Here farm fresh milk is hygenically bottled, sealed, made traceable, branded as Nature Fresh and sold to the Thodupuzha urban market. Currently more than 100 litres of milk are being sold at a premium rate of Rs. 30 per litre in this manner. An additional 50 litres is being sold to a firm called Jaivagram. The milk is supplied from Udumbannur, Kodayathur and Edavetti panchayats. Marketing is done by marketing groups consisting of 2-10 members in both Kodayathur and Edavetti panchayats. Ernakulam Kudumbashree Annual Administration report
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The district Mission has initiated the formation of EKTHA, an event management group for the conduct of monthly markets and festival fairs. This team consist of 10 members that manage the operations of monthly markets and supply of products etc. The district panchayat has provided this group with a vehicle for the execution of its functions. Similarly, two other marketing groups called GREENS have been positioned in Thiruvaniyur and Asamannur panchayats that procure products and produce locally and market to local shops and households. Both these marketing groups have also been provided with vehicles to assist them in their functions.
Thrissur Thrissur district missions intervention in the canteen and catering sector has been with the formation of a management and marketing group called AIFRHM (Adebha Institute for Food Research and Hospitality Management). This team consists of hotel management professionals as well members from other fields who would provide both technical as well as marketing support to create Kudumbashree canteens and restaurants. The restaurants would be branded under a common brand called Cafe Kudumbashree and standardised foods and services would be provided from here. Initally, this team has intervened in three canteens namely Oushadhi Canteen, Mental Health Hospital Canteen (West Fort) and Kerala Varma college canteen. All the three canteens have made significant progress in service and marketing. In the Oushadhi canteen, for instance, the business of Rs. 1500 per day went up to RS. 8000 per day. Malappuram The District Mission has initiated the formation of an Marketing and Management group christened TEAM- Team for Event Management and Marketing. This team consists of 10 members, and covers 14 blocks/ 50 Panchayats. This group leads the conducting of monthly and weekly markets and supplies products to these markets as well nine permanent stores. Nutrimix units in Malappuram district have come together to make value added food product other than Nutrimix, such as rice and wheat powders. These products are being marketed under the brand name Grama Ruchi. Besides the Nutrimix units, other microentrprises have been identified for supplying products for the home shop community marketing products. The supply of raw materials to all these units is also being carried out by TEAM.
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Kozhikode The Event Management Group called SMART has been strengthened by providing them with all infrastructural facilities. The community marketing network Sabarmathi has been positioned and has started functioning in Panthalayani block. Wayanad Under the Responsible Tourism programme, a retail shop named Samruddhi RT Shop was opened in Vythiri. This shop supplies essential items such as rice and wheat powders, curry powders, pappad, vegetables etc to the tourist resorts in and around Vythiri. An extension counter of this RT shop has also been opened near Pookot lake. This extension counter sells products such as bamboo products, dry flowers, coconut shell products, handicrafts, coffee etc. Also under the RKVY project, a chain of retail shops are being opened in Padinjarethara, Ambalavayal, Meppadi, Nenmeni, Panamaram, Meenangadi and Mananthavadi. Among the above, shop at Padinjarethara has been completed while the others are at various stages of completion. These shops would be selling all Kudumbashree products as well as vegetables and other farm products. Kasaragod In Kasargod district, the major organised marketing initiative has been executed in the Saphalam Samagra project. The participating Kudumbashree units of the projects came together and got registered as a society. This society obtained VAT registration and other mandatory licenses and started marketing the product under the brand name Paranky Nuts. The society also formed a sales team consisting of three sales executes who now market the products in retail shops and wholesale dealers in Kasargod, Kannur and Kozhikode district, to the turnover of over Rs. 6 lakhs per month. 3.1.5 Urban Poverty Alleviation Kudumbashree Mission is the State Urban Development Agency of the Government of Kerala and thus plays an important role in coordinating urban poverty alleviation schemes of the Central and State governments. It is the State-level Nodal Agency for implementation of various schemes and programmes of Government of India. Swarna Jayanti Shahari Rozgar Yojana (SJSRY) for urban employment generation
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Basic Services to the Urban Poor (BSUP) and Integrated Housing and Slum Development Programme (IHSDP) components of the Jawaharlal Nehru National Urban Renewal Mission (JNNURM) for integrated development of slums and cluster of urban poor
In 2009-10, the Government of Kerala appointed Kudumbashree, the State Nodal Agency for the Interest Subsidy Scheme for Housing Urban Poor (ISHUP). In its role of State-level Nodal Agency, Kudumbashree supports Urban Local Bodies (ULB) and CDS with implementation guidance, capacity building and liaison with State and Central Governments. Kudumbashree's support to ULBs span the following areas. models. Community support for house construction for urban poor Coordination by the CDS and support by NHGs has ensured that very poor families who obtained financial support under centrally sponsored schemes were able to build houses without much difficulty. ULBs pitched in with arrangements for obtaining building materials at lower costs. CDS have made arrangements with banks for extending loans under the Differential Rate of Interest (DRI) scheme for helping the families meet the beneficiary contribution to be made for the scheme. Kudumbashree has piloted development of Citizens' Charter as the first step to ensure comprehensive community monitoring of housing and infrastructure development schemes. In the area of urban employment generation, Kudumbashree has developed the Special Livelihoods Project (SLP) an approach to ensure comprehensive livelihoods planning for urban poor. The SLP is built on the premise of Local Economic Development (LED) that local production and consumption should contribute to economic development of the local population, particularly the poorer sections. Special Livelihoods Project (SLP) Fund flow management between Government and ULBs Liaison with Government for issue of guidelines and clarifications Capacity building of stakeholders in various areas of programmme planning and implementation Conceptualise, plan and implement special initiatives
Kudumbashree's support in implementation of the schemes has helped develop various successful
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Kudumbashree Mission has been working together with the Malappuram and Perinthalmanna Municipalities to develop Special Livelihoods Projects. Preparatory work on the two SLP started in the year 2008. During 2009-10 both the projects were formulated after completion of comprehensive market studies and beneficiary surveys carried out by the community organization network. The Municipalities provided leadership in linking with key institutions and conduct of stakeholder interactions. Key features of the SLP in Malappuram and Perinthalmanna are: Malappuram Job Opportunities planned in the SLP and status Sector Planned (No. of persons) Finishing School House keeping Santwanam Home Nursing Food processing Green House Total 20 30 10 10 40 30 140 40 20 105 40 5 Status so far (No. of persons)
Perinthalmanna Job Opportunities planned in the SLP and status Sector Planned (No. of persons) Domestic Assistance Team Hospital services Mobile catering Nature Fresh Buffalo rearing Mushroom production Ornamental fishes Haritha Vegetable farming 50 100 15 12 15 15 15 250 39 20 15 12 Status so far (No. of persons)
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Total
472
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In February 2010, Kanhangad Municipality started preparatory work for SLP. The project was launched in May 2010. Kudumbashree Mission also initiated discussions at the CDS, ULB, District and State levels aimed at revising the State SJSRY Guidelines in line with the revised central guidelines issued in April 2009. Kudumbashree Organisational Network in Urban Areas The Kudumbashree organizational network is present in all 58 Urban Local Bodies (ULB) in the State. There are 62 Community Development Societies in the ULBs with four Corporations having two CDS each. The coverage of the Kudumbashree network in urban Kerala is as follows. Number of NHGs 16,758 Number of SC NHGs 1242 Number of ST NHGs 28 Total Membership in NHGs 3,31,767 BPL families covered 2,39,505 (72%)
The Kudumbashree network plays a crucial role in the implementation and monitoring of poverty alleviation programmes in the urban areas. Capacity Building Activities As part of the continuing efforts of the Mission to strengthen the CBO network in urban areas, several capacity building initiatives were taken up during the year. State-level training programmes were: Training of CDS Office bearers in preparation of CDS Action Plan and its integration with local government plans Orientation training for CDS Member Secretaries
In addition to the State-level programmes, District Mission teams conducted various activities aimed at strengthening the CBO structure. In Kozhikode district, the District Mission has deployed a team of urban resource persons to cater to the capacity building and facilitation needs of the four CDS in the three ULBs of the district. Kudumbashree Annual Administration report
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Intensive orientation training programmes were conducted for the resource persons. They were deployed to work on specific activities, based on the progress of which, further training programmes were arranged. The district team has evolved a comprehensive plan for the functioning of the resource persons with clear targets and monitoring systems in place. Progress of programmes in 2009-10 IHSDP Number of Projects Number of ULB Total Project Cost GOI share GOI share released Amount Utilized (31.03.10) 53 45 Rs.272.78 crores Rs.201.31 crores Rs.99.98 crores Rs.63.57 crores
Year-wise sanction Year 2006-07 2007-08 2008-09 2009-10 No. of projects sanctioned 15 10 (11)* 11 17 (16)* GOI share Rs.50.10 crores Rs.53.85 crores Rs.41.93 crores Rs.55.66 crores
* Thalassery Project, sanctioned in April 2007 was revised in March 2010. The original project was for Rs.1.94 crores (GOI Share Rs.1.43 crores). The revised project is for Rs.2.47 crores (GOI Share Rs.1.61 crores) Physical Achievements as on March 31, 2010 New Housing Sanctioned 10590 Upgradation 7208 Infrastructure works 1299
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Started Completed
4948 2440
4920 4042
738 461
BSUP Number of Projects Number of ULB Total Project Cost Central assistance earmarked Central assistance utilised Amount released Amount Utilised (31.03.2010) 7 2 Corporations, 2 Municipalities, 16 GPs Rs.343.40 crores Rs.237.50 crores Rs.233.35 crores Rs.68.04 crores Rs.102.97 crores
BSUP Year-wise sanction Year 2006-07 2007-08 2008-09 Total No. of projects sanctioned 3 3 1 7 GOI share Rs.47.16 crores Rs.155.21 crores Rs.31.17 crores 0
BSUP Physical Achievements as on March 31, 2010 New Housing Sanctioned Started Completed 22609 10194 4987
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SJSRY Total Allocation (2009-10)P Amount Utilized (2009-10) Rs.13.17 crores Rs.10 crores
Achievements during 2009-10 USEP DWCUA STEP-UP NHGs formed Thrift mobilized by NHG 88 units 176 units 2130 persons 2176 Rs.40.14 crores
3.2 Social Development

3.2.1 Ashraya Ashraya is a project of Kudumbashree to identify and rehabilitate destitute families under the Local self Governments. Those identified under the project are provided with livelihood necessities such as food, clothing, health coverage, pension, education, basic necessities like houses, water, sanitation facilities, development needs like vocational training, personality development trainings, care services like counselling and other training programmes. The surveys conducted by Kudumbashree and feedback from Local Self Governments revealed a number of gaps in the effective implementation of the programme and in the availability of funds from other departments. Kudumbashree identified that there are also problems with service delivery to the beneficiaries of the project. In some cases the beneficiary list was vitiated. After a series of consultations and workshops, the State government issued orders for a new guideline of care services for those LSGs implementing the project for the first time and additional help (livelihood necessities) for existing beneficiaries under the project, so as to complete the care pachkage, where it was inadequate or not fully drawn out. Additional fund was allocated for an additional year to extend care services to beneficiaries. Kudumbashree Annual Administration report The Kudumbashree Accounting &
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Auditing Services (KAASS) team were to audit and regularize the accounts as a prerequisite for conducting Ashraya resurvey in LSGs. The government has issued orders delegating responsibilities among Implementing Officers to implement the project in accordance with the revised guidelines. Action has been taken to converge Asraya programme with the Palliative care project in districts. As part of evaluating the project, sub committees have been formed under the Review Committees at the Panchayat level, Committees at the district level chaired by the DPC chairman and an expert committee at the State level. The government has also given orders to convene bi monthly meetings of Panchayat secretaries under the Chairmanship of the District Collector. 129 LSGs have implemented the Ashraya project in 2009-2010. 9744 beneficiaries were covered by these projects and an amount of Rs. 1968.1 lakh have been distributed as Challenge fund. Additional amount of Rs 322.67 lakh has been allocated to 361 LSGIs to provide additional services to beneficiaries. Assessments revealed that the project was not effective in extending services to vulnerable and isolated tribal populations. therefore efforts were taken to prepare special Tribal Ashraya project in Panchayats where there are greater number of vulnerable tribals A maximum amount of 40 lakh Rupees have been earmarked as challenge fund for the Special Tribal Ashraya projects. 3.2.2 Buds Special School Buds is an innovative model developed by the Kudumbashree Mission for the development and protection of mentally challenged children to enable them access to education and training within their community. The experimental project was launched in 2004 at Venganoor with the ownership of Gram Panchayath. The success of the model was appreciated and the Government of Kerala sought the model to be replicated by other LSGs with the guidance and support of Kudumbashree. Ten Panchayaths came forward to start Buds schools. In 2008-09 all the 11 Buds schools were recognized by the Department of Education. In 2009-10 seven more schools were recognized making the number of Buds Schools 18. The strength of the children was also enhanced from 317 to 520. Now 13 more Panchayaths have applied for recognition as Buds School. Kudumbashree Mission prepared and published a detailed guideline Handbook for Buds. Government of Kerala issued official orders on minimum standard of Buds. District level advisory committee and Buds school management committee were also constituted.
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The Department of Education granted Rs.34 lakh as grant-in-aid to these schools. Kudumbashree conducted complete medical assessment of children in 11 schools with the help of Thiruvananthapuram Medical College. The team also conducted a need assessment.also, the Mission provided opportunities to parents education at Buds. The goal of Kudumbashree is to have at least one Buds School in all the 152 block panchayath areas. This will ensure inclusive education to the needy and provide them opportunity to live independently with dignity in their own community. Provision of infrastructure, vehicle, equipments, trained staff, upgraded training, vocational guidance involving immediate funding in lump sum are big challenges for new Buds schools especially in remote backward areas where the flow of funds is not commensurate with the need. 3.2.3 Balasabha, Balapanchayat & Holistic Child Health Balasabhas, organised in line with the CBO network of the Mission, aim at the capacity and confidence building of BPL children through a variety of initiatives and activities, orchestrated for their creative, emotional, educational, and intellectual development. Balasabhas are groups of children at the grassroot level. The Mission organises the children of the poor families to Balasabhas as part of its holistic approach to community development. There are 50220 Balasabhas as on 31-3-2010 with 8.65 lakhs children as members. Children of the Kudumbashree network get an opportunity to learn through fun activities at camps or visits and interactions with facilitators. Balasabha resource persons help organise study trips for children which could help to know the nature or more about the stars, or even new models in origami. Balasabha meets have been held at Panchayath, District and Regional levels. 851 Bala panchayats and 40 balanagara councils have been formed in grama panchayats and urban local bodies. The project was started with the support of UNICEF initially. Kudumbashree initiatives of Balasabha and Bala panchayats enable to impart voice, face and power to children hailing from poor and vulnerable socio economic backgrounds. The idea behind the Bala Panchayat is the creation of a childrens forum where childrens issues and concerns can be brought to the notice of local development planners- i.e. the LSGs. The focus is on providing a rights based debating space on the one hand, and opportunities for involving children in local development oriented activities - either as participant or as monitor on the other. One such interface has been that of local environmental audits conducted by the children of Kudumbashree.
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The activities of Balasabhas and Bala panchayats (Balasabhas are federated at CDS level as Bala Panchayats) are many and varied; awareness programmes on various issues, residential camps, study tours, teen camps, science study classes, nature camps, Krishipaadham, holistic health programmes, co-living camps, Bala parliaments and what not. Balasabhas have also been instrumental in bringing about attitudinal transformation, not only among children, but among parents and society at large as well. Parents and Teachers often get to know about the skills of their children when they participate and win prizes in Balasabha competitions. Many children were actively supported to pursue their skills when parents and teachers realised their childrens talents. Children from different Balasabhas from different parts of the state voluntarily came forward to actively take part in the fight against the menace of plastics. 2009-10 was a year of excitement in astronomy, with several learning classes and programmes organized for Shastra varsham. 3.2.4 Special Tribal Project The Special Tribal Project was implemented in 10 selected Panchayats of 4 districts namely Idukki, Wayanad, Palakkad and Kasargod in the first phase. At a later stage the project was extended to all Panchayats of Wayanad district. In the second phase the project was extended to select Panchayats of 9 districts namely Trivandrum, Kollam, Pathanamthitta, Kottayam, Ernakulam, Thrissur, Malappuram, Kozhikkode, Kannur. The key elements of the strategy are Convergence with the tribal department, and use of their extension personnel, tribal promoters Link up tribal families with MGNREGS Provide corpus fund as incentive to meet regularly provision for daily withdrawal, to be recouped with wages from NREGS Initiate tribal asraya projects special packages for the destitute among tribals Start balasabhas for tribal children for greater integration, and acceptance among families also focus on nutrition gap and remedies with the help of the department of community medicine
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Dedicated personnel to be deployed for handholding and reporting on project Involvement of the DPC for overall coordination and monitoring
The initiatives of Kudumbashree in the tribal sector brought out a lot of changes in the target region. Kudumbashree has been able to cover a sizable portion of Tribals under the thrift and credit pattern of NHGs. During the year 2009-2010, Kudumbashree has been able to bring 34384 Tribal families under 2574 NHGs in these districts. Formation of special Tribal ADS in places where there are 2 or more Tribal NHGs assured that they were not excluded from the decision making process within the community network. A lot of women from the tribal sector have now come forward to work under NREGS which assured them minimum days of work and earnings in a year. 45847 Women got them registered under the NREGS. Efforts were also undertaken to train the women in different skills which could help them to start their own micro enterprises so that they neednt depend on others to provide them opportunities for livelihood. The skill development programme has gained steady momentum in the districts as more and more women come forward to initiate micro enterprises on their own. The number of skill development trainees and Micro Enterprises started is 309 and 93 respectively along with 34 LLF groups. Training programmes were also given to NHG functionaries in maintaining records and convene meetings regularly. A total of 45847 members benefited from these training programmes. Corpus fund was also distributed to newly formed NHGs to ensure sustainability of activities associated with NHG formation. An amount of Rupees 19,05,000 were distributed in this regard in the districts. General training and awareness classes for women and teenaged children, based on specific subjects and medical camps were also a regular feature of activities undertook by the mission in the districts. Apart from this, the mission has been successful in the formation of Special Ashraya project in the Tribal sector. The identification of stake holders under the project has been finished with the help of ADS, CDS and Panchayat functionaries and the project proposals are in the final stages for submission in most of the Panchayats.The project, aims at extending support to the destitute among Tribals by intervening in areas like housing, clothing, education, medicines and food. 3.2.5 Special SC Project A new scheme named Self Help Groups for SC Women was approved by the State Government to be functional under the supervision of Kudumbashree State Mission. The scheme focuses on organization of poor SC women at grass roots through a process of local Kudumbashree Annual Administration report
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mobilization for poverty eradication. Kudumbashree was given a fund of Rs 99.94 lakh by the SC Director for the same. The project provides Matching grant for exclusive SC NHGs, subsidies for SC Micro entrepreneurs and financial assistance for skill training. At the state level, the project has provided an assistance of Rs 891095 to 70 units. An amount of Rs 12643776 was given as subsidy support for starting micro enterprises covering 594 NHGs. An amount of Rs 3712562 was given as Matching Grant Support to 1057 NHGs who availed bank loans. Skill training and Organizational training was given to 594 NHGs and Rs 963710 was incurred as expenses under this head. An amount of Rs 891,095 was given as revolving fund to 70 NHGs. Assistance was provided to 1150 NHGs for taking up lease land farming and an amount of Rs 2503203 was spend for this. The details of the above mentioned activities and expenses are given below as Table I and Table II. Table I Micro Enterprises Name of District No of Units Trivandrum Kollam Pathanamthitta Alappuzha Kottayam Idukki Ernakulam Trissur Palakkad Malappuram Kozhikkode Wayanad Kannur 60 94 12 146 10 30 13 43 2 44 98 24 16 Revolving Fund No of Units 33 9 1
Amount 354200.00 935000.00 4250000.00 1460000.00 455000.00 1243000.00 650000.00 894076.00 200000.00 745000.00 967500.00 240000.00 150000.00
Amount 450875.00 4516.00 26954.00
6 10 -
161750.00 0.00 144000.00 0.00
49 15 72
84620.00 0.00 112500.00 0.00 239500.00 94045.00 240600.00 42900.00 67500.00
35000.00
142 65
6 2
35000.00 33000.00
66 10
80
Kasargod Total
2 594
100000.00 12,643,776
70
0.00 891,095
29 594
60145.00 963,710
Table II Name District of Matching Grant Lease Land Farming No of Group 62 239 42 143536.00 30 53 50 27 162461.00 233251.00 69284.00 0.00 9 296 23775.00 848550.00 427 985518.00 36 61 107 81 88000.00 266416.00 99190.00 267500.00 88722.00
No of Units Trivandrum Kollam Pathanamthitta Alappuzha Kottayam Idukki Ernakulam Trissur Palakkad Malappuram Kozhikkode Wayanad Kannur Kasargod Total 26 65 74 1,150 415
Amount 1634775.00
Amount 336755.00 181576.00
107643.00 270244.00 219043.00 3712562
10 81 16 1,150
51906.00 124620.00 13000.00 2503203
The total expenditure incurred by the project in the year 2009-2010 was Rs 20714346.Out of that, Rs 9994000 was provided by the SC Department and the rest of the amount, Rs 10720346 was spent from Kudumbashree funds.
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3.2.6 Gender Self Learning The committed initiatives of Kudumbashree to eradicate poverty through economic empowerment and community action have led to a strong network of 37 lakh womens units. The 12 year long proactive tenure of the network now certainly needs to be supplemented by a rights based educational process that recognizes the social status, gap and measures that could bridge the gaps to attain gender equality and justice. Gender Self Learning Programme is an educational process, formulated by Kudumbashree envisaging a platform to share, debate and record both the visible and invisible representation and participation of women in social, economic, political and cultural settings. The programme tries to bring out different models to enable opportunities and operational changes in local economic development, local governance through education. The voices of women and perceptions on topics of discussion are to be captured on the web portal and accessed at local self government level. Pilot: In 2008-09, a pilot of the programme was conducted in 4 blocks namely Kanjangad, Kodakara, Kanjikuzhy, Nedumangad and in Aluva Municipality. A suitable module on women and work was prepared by the resource persons, then printed and distributed for grass root discussions. Training for implementation strategies was also held. The programme was appreciated in most of the places where the pilot was launched. Earlier the neighborhood groups called meetings for collecting thrift. The educational programme focus on sharing the rich life experiences of women has in many cases livened the discussions in the neighbourhood groups. Women in Aluva set out in groups and organised help for women in distress. Anti-liquor initiatives at local levels and isolated interventions against abuses and violence have been reported.. Gender Resource Person Coordinators (GRPC) at District level The Gender Self Learning Programme implementation is carried out through Gender Resource Person Coordinators posted in all the 14 districts. The Gender RPCs were selected from experienced social activists and MSW candidates. Strengthening of Resource pool
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The first step towards the implementation of the project state wide was to mobilize resource persons who can deliver gender sensitive strategies to make women visible in different dimensions of society. The network of resource persons have been strengthened by including more young activists who can propagate the aims of Gender Self Learning Programme at the grass root level. A hand book on Sthreepadavi swayampatana prakriya- enthu? engane? (Status of women-a self study, how and why?) was introduced to understand the background, aims and objectives of the education process. The introductory training sessions were held for state to ward level resource persons. Methodology Sharing and documentation of rich life experiences of women participants was the major methodology used for this educational process. The deliberations are converted into legible formats that could be administered to the entire population of Kudumbashree. The conventional correlation of education and socio-economic background is challenged in this context. Facilitation tools 1. Theme based modules Gender Self Learning Programme advances on modules that capture life experiences of women from different sectors. Each module caters to themes such as women and work, women and health, women and sexuality, women and environment, women and power and so on. The module consists of 4 sections- the text followed by a questionnaire, discussion points and an activity. Each chapter in the module is read out each week and discussed in the NHG. The first module called Sthreeyum thozhilum (Women and work) was prepared by a centralised team consisting of 7 members. The modules for the next phases will be prepared by a decentralized team from each district. Similar module is being prepared with the experiences from urban settings. A booklet that provides additional information on acts, statistics on employment and facts have also been prepared. NREGS as the first module The relevance of NREGS in Gender Self Learning Programme has been manifold. Its insistence on the dignity of labour and equal wages for equal work done fits very well with the philosophy of gender self learning. NREGS has enabled the strengthening of the middle layer of the Kudumbashree Annual Administration report
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community organization of Kudumbashree and led to a subsequent increase in the number of women workers under the scheme. Women have been able to imbibe the aims of Gender Self Learning Programme through examples pertaining to the components of NREGS. 2. Status Reports At the end of each module, the consolidated reports are brought out as status reports at Panchayat level. The reports would be prepared by the resource persons and the relevant part of it could be integrated in the CDS action plan and local plan of the Panchayat. Undoubtedly, this report becomes a basis for a gender sensitive plan processes for local development. Module based Training Training on modules is being conducted among different layers of community organisation. So far we have been able to train 50220 resource persons at district/cluster/panchayat levels. District 1 2 3 4 5 6 7 8 9 10 11 12 13 14 Trivandrum Kollam Alapuzha Pathanamthitta Kottayam Idukki Ernakulam Thrissur Palakkad Malappuram Kozhikkode Wayanad Kannur Kasargode District level 67 61 21 50 40 54 100 30 40 60 40 33 70 35 Cluster level 509 370 240 174 350 260 1200 240 488 242 262 120 250 205 4910 Panchayat ULB level 3654 2263 4230 3381 2305 2400 10,708 3453 3210 2682 1638 750 2643 1292 44609 4230 2694 4491 3605 2695 2714 12008 3723 3738 2984 1940 903 2963 1532 50220 / Total
Total 701 Consolidated from the status report Core group formation
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Apart from the 701 resource persons at districts, a core group team has been formed for each of the 14 districts for strengthening and coordinating the resource pools and for supporting Gender RPCs.
Sl No 1 2 3 4 5 6 7 8 9 10 11 12 13
Name of the District
Number members
of
Thiruvananthapuram Kollam Pathanamthitta Kottayam Alappuzha Ernakulam Idukki Thrissur Palakkad Malappuram Kozhikode Kannur Wayanad
6 10 9 6 7 10 12 10 10 15 40 5 8 5
14 Kasargode Consolidated from the status report 3. Vanita Sabha
Vanita Sabha is perhaps the first step towards culling out the experiences of women at the grass root level. It is an exercise to form creative learning groups that share, and understand and conceptualise concerns and solutions which eventually influence policy decisions. Women from different sectors of employment and experts are called for participating in Vanita Sabhas at district level. As a first attempt, about 200 women participated in the district Sabhas in each district. In some districts, the Sabha was regarded as a part of 12th Anniversary celebrations of Kudumbashree and so in depth discussions on problems faced by women in various sectors of employment were not held. On the other hand, in districts like Wayanad and Kozhikode, women from different sectors of employment especially from beyond the Kudumbashree network, voiced Kudumbashree Annual Administration report
85
their opinions and suggestions. In Pathanamthitta, Vanita Sabha became a catalyst for providing a cloak room for KSRTC women conductors. In Idukki, the presence of Sub inspector of Womens Cell made it possible for many to voice their grievances. As a follow up mechanism, Vanita Sabhas are proposed to be held at regular intervals at Panchayat level. Relevant topics according to regional interests would be discussed. 4. Gender School further interventions proposed In order to gain theoretical knowledge, to have an understanding of the different schools of thought and advance effectively at the grass root level as well as influence policy decisions, gender schools are necessary. It is proposed to set up gender schools at block levels. The syllabus of the Gender School is moduled in such a way that it focuses on self analysis, participation, interaction and management of self in public sphere, conceptualizing gender. It further takes the participant through the emergence of womens movements, familiarising the data sources and making sense of the available data through the preparation of status reports.
86
4. FINANCE
Budget Allocation and Expenditure Status of Kudumbashree during 2009-10
SL. NO 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 A&OE Strenghtening of CBOs Honorarium for CDS Enabling Environment/Magazine..etc Kudumbasangamam ST Development SC Development Balasabha (trng & Formation) Asraya ( Challenge Fund) BUDS Gender resourse centre Health Care System Sports based cultural intervention for holistic child health Implementation of Kudumbashree retained at HO (Old Rural Fund) Skill upgradation (Ind&Group) Lease Land Farming Matching Grant to T&CS Revolving Fund RME(Group & Individual) Technology Fund Crisis Management (ME) Accounting Support to CDS Allocation 2009-10 300 286 200 50 0 0 0 25 0 10 20 0 0 0 50 200 200 50 435 25 25 300 Expenditure for 2009-10 735.53 743.56 176.23 19.91 15.30 44.95 0.56 114.55 2414.86 3.84 114.88 6.17 26.79 97.73 436.04 2010.96 1556.78 344.47 2585.12 32.80 106.56 350.18
State component
87
23 24 SL. NO
Innovation Fund Samagra State component Marketing Strategy for KS products(11 Sub heads) Product Diversification 2nd dose assistance to existing MEs Employment&Reso.devt IT consortium Producer Co. TSP for sustainable Devt MF-Audit support to NHGs &Printing..etc. Micro finance -Research&Consultancy Micro finance interest subsidy Yuvashree Rural Bussiness Hub RSVY Total Rs in Lakhs
25 100 Allocation 2009-10
7.45 3.35 Expenditure for 2009-10
25 26 27 28 29 30
539 25 50 10 25 5.00
191.56 0.00 0.00 0.00 0.00 0.00
31 32 33 34 35 36
30 15 650 0 0 0 3650
0.24 0.83 0.47 40.09 0.45 5.95 12188.15
88
5. DEPARTMENTAL PUBLICATIONS
a. Keralathinte Kudumbashree (quarterly periodical)-published 1 issue b. Hand book on Kudumbashree byelaw c. Handbook on CBO d. Handbook on Gender self study (module) e. Calendar on Kudumbashree Mission f. Booklet on Kudumbashree Products g. Brochures on Kudumbashree Mission h. Educational Book for Buds School i. Hand book on Tribal Projects. (for IITF)
89
6. IMPLEMENTATION OF RIGHT TO INFORMATION ACT

Head Office: Appellate Authority Smt.Sarada Muraleedharan.I.A.S, Executive Director,Kudumbashree Public Information Officer Shri.N.Manoharan, Director (A&F), Kudumbashree Asst. Public Information Officer Shri.Suresan, Administrative Officer, Kudumbashree At District level: District Mission Co-ordinator Appellate Authority Assistant District Mission Co-ordinator Public Information Officer Office Secretarial Staff Asst. Public Information Officer No: of cases received 22 No.of cases disposed 22 No.of cases pending Nil
90
7. AWARDS AND REWARDS

1. The EMPI-Indian Express Indian Innovation Awards The EMPI-Indian Express Indian Innovation Awards was instituted in 2005 by the EMPI Group of Institutions as part of a larger movement, Mission Innovative India, started by former President A P J Abdul Kalam. In 2006, The Indian Express Group and the Boston Consulting Group joined as partners to the movement. The Awards were given to outstanding initiatives for social development by Government organisations, NGOs and corporate houses across the country. Out of around 1,000 applications received, six gold and three silver awardees were selected and honoured for their innovative initiatives in different sectors. Among the gold awardees for the year 2008, Kudumbashree received the award for empowering 3.6 million women in small towns and villages through setting up micro-enterprises such as data entry units, for setting up and managing outsourced waste collection services in municipal areas and organisers of monthly markets.
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Annual Report 2009-2010

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ANNUAL ADMINISTRATION REPORT 2009-2010

Kudumbashree Annual Administration report

3. FUNCTUIONING OF THE MISSION 33

Kudumbashree Annual Administration report

4. FINANCE 5. DEPARTMENTAL PUBLICATIONS

6. IMPLEMENTATION OF RIGHT TO 93 INFORMATION ACT 7. AWARDS AND REWARDS 94

Kudumbashree Annual Administration report

Kudumbashree Annual Administration report

Kudumbashree Annual Administration report

Kudumbashree Annual Administration report

Kudumbashree Annual Administration report

Kudumbashree Annual Administration report

Kudumbashree Annual Administration report

Kudumbashree Annual Administration report

Kudumbashree Annual Administration report

Kudumbashree Annual Administration report

Kudumbashree Annual Administration report

Participation 1500000 21000 7000

Kudumbashree Annual Administration report

Trivandrum Kollam Pathanamthitta Alapuzha Kottayam Idukki

Kalliyoor Kottukal Sasthamkotta Pandalam Thekekara Aryaad Kurichy Kanjiyaar Upputhara

Ernakulam Thissur Palakkad Malapuram Kozhikkode Wayanad Kannur

Edathala Varavur Elapully Thazhekkadu Kuruvetoor Muttil Anjarakandy Thillankeri

575 600 600 200 275 200 300

Kudumbashree Annual Administration report

Thrissur Palakkad Malappuram Kozhikkode Wayanad Kannur Kasargode Total

1,481 1,451 1,845 1,326 434 1,264 647 16,148

Kudumbashree Annual Administration report

Wayanad Kannur Kasargode Total

111 330 95 2849

TOTAL CDS 78 71 54 73 75 52 88 92 91 102 78 25 81 39 999

Kudumbashree Annual Administration report

Kudumbashree Annual Administration report

ADS level trainings NHG level trainings

committee members 5 member Committee 8,42,587 members

District Wayanad Wayanad Idukki Kasaragode Kannur

Urban Kuthuparamba Chavakkad Mattannur Kangangadu Malappuram

District Kannur Thrissur Kannur Kaseragode Malappuram

Kudumbashree Annual Administration report

Kudumbashree Annual Administration report

Kudumbashree Annual Administration report

Kudumbashree Annual Administration report

3. FUNCTIONING OF THE MISSION

Kudumbashree Annual Administration report

Kudumbashree Annual Administration report

(MEC) ADS NHG Income Generation Volunteer Income Generation Volunteer

District Thiruvananthapuram Kollam Pathanamthitta Alappuzha Kottayam Idukki Ernakulam Thrissur

Kudumbashree Annual Administration report

Palakkad Malappuram Kozhikode Wayanad Kannur Kasargode Total

20010000 19305000 8093500 3730000 12357250 8690000 241890025

144 352 372 233 162 69 4492

Kudumbashree Annual Administration report

Subsidy per individual Rs.10000 (maximum)

Kudumbashree Annual Administration report

Kozhikode Wayanad Kannur Kasargode Total

2839972 664625 820831 1477716 34446746

Kudumbashree Annual Administration report

0 72 109 62 439 90 146 12 90 30 149 62 1419

Kudumbashree Annual Administration report

Wayanad Kannur Kasargode Total

724 2550 1725 43825

601 2406 1 38700

Kudumbashree Annual Administration report