Madurai Slums Karumbalai 2009

This presentation is part of the MSW field work / observation program of Madurai Institute of Social Sciences, Madurai, Tamilnadu , India

1. **The Role of Banks and other financial institutions in
downtrodden areas…***

2. Financial Inclusion -Meaning
“Financialinclusionis delivery of banking services at an
affordable cost to the vast sections of disadvantaged and
low income groups. Unrestrained access to public goods and
services is the sine qua nonof an open and efficient society.
As banking services are in the nature of public good, it is
essential that availability of banking and payment services
to the entire population without discrimination is the prime
objective of the public policy”.

3. Karumbalai-Introduction
Karumbalai is a famous developing slum in Madurai
situated near Anna Bus stand. With a wide no of
Community people living in this locality, this area
comprises of nearly 2000 poor houses. Spread in all
four directions it is named by the name “S.M.Colony”
from the year 1968. It is a small unity based slum
setting an example for other people throughout the
State.

4. Karumbalai
•The scenetic view of karumbalai

5. The future evolution of Karumbalai

6. There are three self help groups namely;
Tamil AanaiGents Group
RojaLadies group
KalanjiyamGroups
SHG(SelfHelp Groups)

7. Role of Self Help Groups
SHG is a group formed by the community people , which has specific
number of members like 15 or 20. In such a group the poorest
women would come together for emergency, disaster, social
reasons, economic support to each otherhave ease of
conversation, social interaction and economic interactions.
Objectives
•To sensitize women and men of target area for the need of SHG
and its relevance in their empowerment process.
•To create group feeling among men and women
•To enhance the confidence and capabilities of men and women.
•To develop collective decision making among men and women.
•To encourage habit of saving among women and facilitate the
accumulation of their own capital resource base.

8. Tamil AanaiSelf Help Group

9. Occupation of people in Karumbalai
•Most Males at this region work as
masons,carpenters,tailors and run small
petty shops
•Most females work as sweepers, house
maids/servants in various areas in and
around the slum

10. People of Karumbalai

11. Awareness about Banking Facilities
A small survey was conducted by the trainees of MISS
College MSW Students revealed the fact that 4 out
of 10 got knowledge about the banking facilities and
are mostly account holders. Few people having
account in the respective banks like Canara & SBI
stated that they are need to financial guidance from
the banks by way of loan for construction of house,
education of their children etc…

12. The Morally Feared Groups
Few innocent people living in the same locality stated
that banks/other financial institutions on the area
don’t respond better when asked for help. A sect of
group say the banker demands additional security and
asks to fill too much of forms and application
procedures. The sect also pleads the Government of
Tamilnadu to take innovative steps to handle this
problem.

13. Social Worker interacting with the residents

14. SEED-The NGO Sheltering the needs of the
poor children
Seed believes in bringing out the potential of each child
by individual care and attention. So many children
from among the urban poor drop out because of lack
of support at home and in school. Seed provides the
critical support necessary for the children to realize
their potential and succeed -compete on par with
children from more advantaged classes.

15. The Budding Flowers Of Seed

16. Challenges faced by slum people at Karumbalai
•Life in a slum is hard to imagine. Overcrowding means that
privacy is impossible. Water supplies and sanitation are virtually
non-existent -to have a tap with running water would be a
luxury; a toilet simply a dream. Makeshift shelters provide little or
no protection from the heavy monsoon rains or the soaring heat of
Madurai's 38 degree summers,and sohousesthat were crude to
begin withoften degrade over time.
The immediate environment also has serious disadvantages. Very
few lanes between the houses are paved and so any rain quickly
reduces the surface to a quagmire, andpeople have to
wadethrough mud and water overflowing from drains. There are
no facilities for refuse disposal andrubbish builds up around
people's homes, wherepigs and flies delight in theheaps of rotting
waste.

17. Role of Social Worker in a Slum
•A social worker must not neglect do some valid
contributions like arranging good food, provide higher
& standard uniform education, clothing facilities and
shelter for a peaceful living.
•A social worker must be also a good fund raiser from
various charitable and noble hearted institutions
including the government.
•A Social Worker has to “TALK MORE, WORK
MoRE”

18. Team Members
1.N.SrivathsaDesikan
2.M.VinothAmbedkar
3.G.Kannan
4.S.Rajkumar
5.M.Prabhu
6.G.Amutha
7.A.LourduMary
8.Premanandhani
9.Bhavani
10.Mogilan
11.Jeyakumar
12.Pandiselvan
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