WOMEN EMPOWERMENT 2010 2011

Madras Social Service Society is implementing the Mahalir Thittam project among the poorest of poor women in and around Tiruvallur District for the past 13 years. Tamil Nadu Corporation for Development of Women provides technical and financial support to Madras Social Service Society. The vision of the project is to reach out the empowerment of the poor women who are below the poverty line through self reliant and sustainable Self Help Groups. Mahalir Thittam project promotes among the poor women for saving habits, nurture entrepreneurial skills and aptitudes, promotes exposure to the Banking transitions and to free them from the clutches of money lenders.

Growth of Self Help Groups

The following data reveals the Growth of SHGs in Thiruvallur District since 1998 Through MSSS
Growth of Self Help Groups
S.No 1 2 3 4 5 6 7 8 9 10 11 12 13

Year 1998 -1999 1999 -2000 2000 -2001 2001 -2002 2002 -2003 2003_2004 2004_2005 2005_2006 2006 -2007 2007-2008 2008 -2009 2009- 2010 2010 - 2011

SHG's 136 375 810 1245 1332 1539 1849 2555 2860 3713 3841 4185 4472

Growth of Membership

As the SHGs grew, the members in the SHGs also amplified and there are 56819 women who are as Bellow Poverty Line (BPL) is the members in the SHGs
Growth of Members in SHGs S.No 1 2 3 4 5 6 7 8 9 10 11 12 13

Year 1998-1999 1999-2000 2000-2001 2001-2002 2002-2003 2003-2004 2004-2005 2005-2006 2006-2007 2007-2008 2008 - 2009 2009 - 2010 2010 - 2011

Membership 3260 5640 12150 19628 20092 23192 28531 30782 37116 45721 47641 52801 56819

Savings of the SHGs Members:

For the past 4 years Mahalir Thittam project was decentralized with the (RD) department. Hence the BDOs Staff monitor the SHGs activity at Panchayath and Block Levels. SHGs are self managed groups of poor women who primarily come in to existence with financial resource through their own savings among themselves. The SHGs have a powerful vibrant movement functioning at grassroot and spread over in the District. Now MSSS has 4472 SHGs functioning through Mahalir Thittam, with the total savings of Rs. 126,719,904.00/- in Thiruvallur District. This amount has been used as the leverage to tap the various schemes and resource of Government through the Bank and other Government departments. Re structuring of PLF During the last 3 years more attention was given to the restructuring of PLFs by TNWDP the office bearers of PLFs undergone different Levels of trainings. Totally 32 PLFs restructured, out of this 21 PLFs are registered under society act. As a token of incentive all the 21 PLFs received Rs. 100000/- each as cash incentive towards to develop their group IGA through TNWDP. All the SHGs activities of PLFs where mange by the Office bearers and also they are having the own action plan towards bulk lending through the Nationalizes Banks.

District Project coordination committee Meetings The District project coordination committee meeting was held in every month in the presence of the district collector, with all the Line department heads and also with the Bankers. During the meeting the project stakeholders shared the progress of the project in the area operations and also about difficulties in the field CAPACITY BUILDING AND SKILL DEVELOPMENT In order to improve the Entrepreneurial aptitude and skill of the women, Government has imparted various types of skill trainings to promote self and wage employment. Provision of skill training to women has given recognition, so as to enable them to start their own income generating activities. Following are the details of the training imparted during the year Skill Training
Massionary for youth Villivakkam & Kadambathur

2 Batch

3 Months

30

Catering Villivakkam

1 Batch

1 Month

30

Tailoring Villivakkam

1 Batch

1 Month

30

Tailoring

Puzhal

1 Batch

1 Month

30

Computer Kadambathur, Puzhal, Villivakkam, Avadi - M

1 Batch

3 Months

30

Credit Linkage to Rural and Urban SHGs details MSSS played vital role in mobilizing Government resources through various financial instruction for the development of women During this year sum of Rs.3, 52, 40,000/- has been mobilized as loan and received Rs. 73, 40,000/- as back ended subsidy for the various income generating activities of the SHGs. 294 SHGs functioning in Thiruvallur District have mobilized Revolving Fund (RF) Loan of Rs1,76,40,000/-, 44 SHGs received Economic Activity Loan Amount of RS.1,76,00,000/- and also 397 SHGs have mobilized Direct Linkage (DL) Loan of Rs. 8,54,58,000/- through various Nationalized Banks. The SHGs availed Revolving Found, Direct Linkage and Economic activity loans for starting different unit such as Dairy, Goat and Sheep rearing, Embroidery, Cloth sea

Food Products, Vegetable sales, fruit sales, vessels sales, cycle shop, Auto rickshaw running, Xerox centers, Soft Toys, Agro based activities, Provisional Stores, Canteen, STD Booth, Weaving Centers, Mosaic Polish, Hollow Block Bricks making Units, Tailoring Units, Rations Shop, etc.. And also they are earning sizable income and are able to repay the Bank loans promptly. In each SHGs a portion of Loan amount was lent for education, emergency and consumer purpose SGSY Revolving Fund Loan to the SHGs 2010 2011
Total Number of SHGs availed RF Total Amount Subsidy Amount Credit

S.No.

Block

1 2 3 4 5 6

Villivakkam Puzhal Gummidipoondi Minjur Kadampathur Chozhavaram

URBAN

63 32 25 29 45 7

630000 320000 250000 290000 450000 70000

3150000 1600000 1250000 1450000 2250000 350000

3780000 1920000 1500000 1740000 2700000 420000

1 2 3 4

Avadi - M Kathivakkam - M Uthukottai - TP Minjur - TP

59 17 14 3

590000 170000 140000 30000

2950000 850000 700000 150000

3540000 1020000 2100000 180000

TOTAL

294

2940000 14700000 17640000

S.No

Block

Total Number SHGs

EA Total Sub (Lac)

Credit Total (Lac)

Total Amount

1 2 3

Puzhal Kadambathur Minjur TOTAL

19 16 9 44

1900000 1600000 900000 4400000

5700000 4800000 2700000 13200000

7600000 6400000 3600000 17600000

Direct Linkage Loan - 2010 - 2011

Total Number of SHGs availed DL Loan 81 Total Credit Amount / As Direct Linkage Loan

S.No

Name of the Block

Name of the Bank / Branch

Kadambathur

Indian Bank Pudupet, Mappedu, Kadambathur, Thirupachur Indian Bank - Microsate 1, Chennai - 10 Federal Bank - Porur, KCCB - Porur, IB - Microsate - Chennai - 10, Thiruvallur CB - Madharpakkam, IOB - Padirivedu, BOI - Arambakkam IOB - Vallur, IB Pulicat, IB Minjur, IB Kattur, SBI - Edayanchavadi IB - Thirupachur, CBI - Patraperumanthur Indian Bank - Andarkuppam

31500000

Puzhal

21

6240000

Villivakkam

107

10070000

Gummidipoondi

30

5223000

Minjur

122

4220000

6 7

Poondi Chozhavaram Urban Groups

35 3

12210000 200000

8 9 10

Avadi - M Uthukottai - TP Minjur - TP

40 29 26

KCCB - TNHB Avadi , Federal Bank Avadi 5700000 Indian Bank - Microsate Thiruvallur Indian Bank - Minjur 6635000 3460000

397
Loan Assistant by Indian Bank Microsate 1 Chetpet Different IGP Photos, Micro Sate Bank DL distribution Photos

85458000

TNWDP Special Programmes

S.No 1 SPECIAL PROGRAMMES Block Level Samathuva Pongal Competition Organized by BDO Office District Level Samathuva Pongal Competition Organized by TNWDP Tiruvallur Mani megalai award State Level , District Level Total sanitation PARTICIPATION Prize Winners - Villivakkam, Gummidipoodi, Kadambathur, Poondi, Puzhal and Minjur Block SHG and PLF members

Prize Winners Poondi, Villivakkam and Kadambathur Block members SHG and PLF Prizes distributed by District Collector Tthiruvallur T.P. Rajesh I.A.S. State Level Award Villivakkam Block Ayyappa Nagar SHG 1 District Level Award Villivakkam Block Karambakkam PLF , Karambakkam Panchayath Ghandhi Nagar SHG Minjur Block Nandhiyambakkam Anna Nagar SHG 1 Alathur PLF of Villivakkam Block and Kannambakkam PLF of Gummidipundi Block received Rs 100000 Each from DRDA Tiruvallur as Revolving fund towards the construction of individual toilets of the SHG members
DR.Mr.Gopal IAS Managing Director of TNWDP Chennai visited SHGs training at Avadi and interact the SHGs members regarding the utilization Revolving Fund through TNWDP

5 6 7

TNWDP MD visit District Level Bankers Meeting Grading of SHGs for Credit Linkage Revolving Fund PLF's Restructuring and Registration

Block Coordinator and the District Coordinator attend the meetings regularly and point out the difficulties in implementing the TNWDP project By monthly Block level and Bank level

9 10 11

Incentives to Eligible PLFs Grama Saba Womens day celebration Issue base programme

PLF monthly meeting Schedule was planned and meeting was conducted regularly as for the Schedule. PLF federation was functioning in an area of operation as an part of the development process during the last year 21 PLFs are restructured and Registered under society act. 21 Register PLFs received each 1 Lac as cash incentives towards there IGA programmes by Hon Minister Mr.M.K.Stalin SHG members actively participating in Panchayath level Grama saba meetings and plan for there achieving basic needs as well as development activities. District Level womens day celebrated at Minjur Block

12

Nollambur PLF members conducted human chain against to poor basic condition of the at the Panchayath During this year 287 new SHG's have received set of registers from TNWDP as free of Cost Most of the SHG's receiving Mutram Magazine published by TNCWD Chennai during this year 250 SHGs paid their subscription for Mutram magazine

13 14

Distribution of records to SHG's Mutram

Qualitative and Quantitative impacts of the Mahalir Thittam

Capacity building of poorest and disadvantaged Social Mobilization for Economic empowerment Self confidence and positive self image. Articulation Awareness about the health and nutrition, legal rights, political activities and the Government policy and programs Rotation of Leaders in all levels Gender integration Mobility towards, Town, City, Banks, Post Office, Exhibition and Government deportments (grievance day every Monday) Decision making power Access and Control over individual and family income and assets like land, house, valuable goods Changing the attitudes towards traditional customs Women becoming owner and beneficiaries of the development the program Improvement in literacy Becoming member of local self Government even as a member of political party Active Participation in the Issue based programmes Emergence of Leadership Decrease of violence in the Family Increased bargaining capacity High mobilization of Government resources Marching towards sustainability Emergency of Registered PLFs / Community Professionals Assurance of Social Security Schemes to the SHGs and Family members Moving towards in reducing in Global warming Conclusion

Women empowerment is an essential instrument to attain economic development of the families. In spite of many economic constrains SHGs are steadily moving towards developments and their actions will lead their families and community to develop status.