This is a presentation of inspection documents and promotion of women self-help groups.

This is a presentation of inspection documents and promotion of women self-help groups.

1. INCEPTION DOCUMANT PREPARATION AND PROMOTIN OF WOMEN SELF HELP GROUP IN GOPABNDHANAGER BLOCK , MAYURBHANJ, ODISHA Faculty Guide- Mr. Gurunathan A Field Guide- Ms. Priyanka Das DPS-1 Coordinator- Dr.G. G.Lognathan Presented by – Sudha Panda PDM 22

2. INTRODUCTION Inception document – It’s help to search the potential to promote group which will help the federation for sustainability. SH G –Primary Producer group (Focus on female empowerment). In 1991-92 NABARD started promoting self- help group on large scale. 1993 RBI allowed SHG to open savings to bank. Odisha have 536387 group. Facilitate the process of self-empowerment by overcoming social exclusion, enhancing participation in decision-making processes and improving quality of life.

3. OBJECTIVES To prepare an inception document for a panchayat in the assigned location. To understanding the existing status of women SHG groups. To organize the potential women self-help group in the form of SHG.

4. STUDY AREA Odisha State Map Odisha is in the eastern part of India. Total area of this state is 155,707 sq. km . According to the population this state is 11 th largest state in India. District - Mayurbhanj Population – 2519738 Literacy rate – 65.98 Mayurbhanj district Gopabhandhanagar block 2 26 villages within Gopabandhanagar Block.  total population-123,616 Gopaband Literacy -62.38%   Sex ratio - 1,023

5. Literature review Key findings Key takeaway Literature Key findings Key takeaway Empowerment of Women through Self - Help Groups. Women empowerment and gender equality have become topics of utmost importance in the recent times, because gender inequality and its socio-economic and cultural dimensions are all pervasive in the third world as well as in the developed world. in the third world the problem of gender inequality is more acutely associated with economic disempowerment of women. Formation of the SHG, selection, concept seeding, and training for SHG members. Different types of training like beekeeping, floriculture, processing marketing etc. the purpose of solving their common problems through self-help and mutual help . Women Empowerment through Entrepreneurial Activities of Self-Help Groups. . Empowerment in the context of women’s development is a way of defining, challenging and overcoming barriers in a woman’s life through which she increases her ability to shape her life and environment. It is an active, multidimensional process, which should enable women to realize their full identity and power in all spheres of life. India envisions a future in which Indian women are independent and self-reliant. Raised literacy level could be helpful for the SHG members to overcome cognitive constraints and to understand government policies, technical understanding and gaining required skills. Business Mix and Turnover, Capital and Access to Bank Finance. LITERATURE REVIEW

6. METHODOLOGY SECONDARY DATA PRIMARY DATA NRLM website Panchayat office Block office Schools, health center Gram Manchitra Farmer portal Anganwadi PRA Process part Social mapping Wealth ranking Trend Analysis Pairwise Ranking Problem tree Seasonal calendar Festival calendar Crop calendar Livestock calendar Case study FGD Survey Doing PRA Conducting cluster meeting and financial literacy camp. Showing video Showing chart Using resource person Exposure visit

7. PROCESS PART STAGE - 1 STAGE - 2 STAGE - 3 Screening process Village selection Secondary data collection Survey Doing PRA Potential analysis Understanding the context Build good rapport with community people Conducting several meeting Concept seeding Using resource person Using Video Using charts Organizing cluster meeting& financial literacy programme Using cluster leader Convincing people Sitting in round. Starting with prayer. Sharing about the kalanjiam and SHG. Discussing of purpose of joining Kalanjiam. Discussing the group name. Selecting the office bearers. Add new rules in the groups, Evolution of byelaw. Family and poverty categorization. Baseline form fill-up. Collection of savings and share capital. Taking sign on minute book and in resolution. Pledge taking.

8. SELECTION CRITERIA PANCHAYAT SELECTION CRITERIA 1. No of NRLM group present in the particular panchayat 2. DHAN working area. 3. More no.of MGNRHA. VILLAGE SELECTION CRITERIA 1. More no of female adult population. 2. BPL percentage should be more 3. Kalanjiam group are less. 4. NRLM groups are less. 5. More no.of MGNRHA Source – NRLM site, Farmer portal

9. KUSHALDA PANCHAT Source by Panchayat office Village name Total household Total population Literacy rate (%)   BPL list %     Male Female Total Male Female Total Banakati 86 165 168 333 72.15 59.13 117.28 65% Padmapur 96 257 313 570 75.41 65.21 140.62 60% Simlabhandh 90 175 210 385 66.31 60.26 126.57 75% Mhundakati 84 220 180 400 70.12 52.11 122.11 71% Nrayansahi 65 115 125 170 55.21 41.32 96.53 62% Nahara 177 200 210 410 65.31 55.25 120.56 70% Sialghat 55 90 97 187 45.12 40.02 85.14 75% Pathurikata 60 120 126 246 51.41 42.13 93.54 71% Total 713 1342 1429 2771      902.35

10. VILLAGE SELECTION I took 10 members in each group it can 11/12 panchayat office don’t have data . Village name Total population female adult population BPL list Kalanjiam Group are less NRLM group are less Total Group Banakati 333 135 65% 4 4 Simlabndha 385 235 75% 1 3 4 Mundhakathi 400 226 71% 1 4 5 Padampur 257 177 60% 5 4 9 Narayanshai 170 85 62% 3 3 Nahara 410 190 70% 7 11 18 Sialghat 187 109 75% 3 3 6 Pathurikata 246 142 71% 4 3 7 Indicator High no of BPL card Less kalanjiam group present Less NRML group should be there  

11. SOCIAL DIMENSION Narayanshai Mundhakati Banakati Simlabhandh Total Mud house 35 42 30 44 Total pucca& semi Pacca house 5, 25 8, 30 19, 37 40,6 BPL household 45 54 57 65 Total area 109 ha 150 ha 217 ha 171 ha Education 1Ms, 3 ICDS 1MS, 1ICDS 1ICDS,1 MS 1ICDS, MS Health no no no no Drinking water Pond – 1 Tubewell –3 Pond – 2 Tubewell – 5 Well - 1 Pond – 4 Tubewell – 8 Pond – 2 Tubewell – 4 Santhali tribe Conversion – four families converted in christen. Market – not available only weekly haat. Source of loan – MFI, SHG and Money lander , bank , relatives. Mostly depend on money lander & relatives– 5%, 3%.( interest )

12. ECONOMICAL DIMENSION Primary occupation- agriculture Average agriculture land available 1 Man / Bigha( half acre). Secondary Occupation- construction work, daily wage, Agri labour , livestock rearing ,potter, small business. Livelihood opportunities very less. Daily wage/construction work: average income 250 per day for male / female-150. Migration : most of the young generation did ( male & female both).

13. Particular Amount (Rs) Expenditure Ploughing 1 bigha (0.5 acre) 2-time land preparation through tractor. 45 mins to 1 hour needed /per hour tractor – 1300/-     1200/- Sowing (13 need,1 labor – Rs.200/ day or Rs.250/ day)   2600/- Weeding 5 Agriculture labor (each labor – Rs200/ day)   1000/- Fertilizer For good paddy, Urea – 1bag- 350/- Potash- 50kg (1kg -Rs.40)     2350/- Cash flow of paddy :

14. Particular Amount (Rs) Harvesting Machine (Machine per hour – Rs. 1200) Without machine, with the help of the agriculture labor harvesting & Carry grain from field to their house. (30 agriculture labor)   2400/- 6000/- Total Expenditure Total with the help of machine Total without machine (manual) 9550 /- 13150 /- Income if everything is good from 1 bigha – 12 quintals. Rate in market – 1quintal/ Rs.1900 (APMC)/1quintal/ Rs.1600 (Traders) 22800/- (APMC) 19200/- (Traders) Profit 13250/bigha (APMC) 9650/bigha (Traders) ( Machineries) 9650/bigha (APMC)( with out machine) 6050/bigha (Traders)

15. ECONOMIC CLASSIFICATION Category Criteria Rich Government job, different source of income like big business. stable source of income. Agriculture land is more than 5 bigha, having won pond , Pacca house, own car. Income range – monthly more than RS. 35000 to 40000. Middle Small business, and with that engage in different kind of work like – construction and agriculture work, two people is there for income, sometimes one’s income is not stable. monthly Income – Rs.25000 to 30000 , Agriculture land – more than 3 bigha/ man , Pacca /semi house. Poor Wage labor, carpenter, black smith, construction worker, widow, not married, Migration Agriculture land is 0 or less 3 bigha/ Man , hut/ tin house, having BPL card. monthly Income – Rs.5000 to 20000.

16. POVERTY CATEGORY Category Criteria S1(Survival) Widow, Aged but not married , Agri labor, Wage labor, landless, hut, only one person is earning, income is not stable. S2(Subsistence) Carpenter, Blacksmith, Construction worker. Agriculture land – 1 or 2 bigha , house type tin One earning member. S3(Self-employed) Mostly migrated people, agriculture land – 3 man/ bigha. One earning member, sometimes another one is also getting income. House type tin or tiled.

17. CONT., Village Total household Rich Middle Poor Banakati 86 7 18 61 Narayanshai 65 3 5 57 Mhundakati 84 2 10 72 Simlabhandh 90 10 13 67  village Poor S1 S2 S3 Banakati 61 20 25 16 Narayanshai 57 20 22 15 Mhundakati 72 12 35 25 Simlabhandh 67 10 30 27

18. CULTURAL &ECOLOGICAL DIMENSION Main crop – Paddy (Water availability -1 times) Rainfed. 1 river Stream (15-20 K.M) Makar sankarnti , tribal new year & new year , Magha puja , Tusu , ratha jatra , raja, sabitri brata . December & January- more expenditure per family RS.1000 & taking more loans.

19. DEVLOPMENT ISSUES Water scarcity. Migration Alcohol& Ghutkha addiction. Inaccessible health services. Lack of Transportation services. Lack of income activities. Open defecation .

20. Case study Name – Makara Majhi Father – Gobinda Majhi Age – 37 Education – illiterate Siblings – 5 Elder daughter in family. Migrated in Tamilnadau Chennai for 15 years Textile factory – labour work Because of family condition she didn't got marry . Having health issue – can’t do heavy work . No one is take care for her. Joined kalanjiam with expectation.

21. POTENTIAL ANALYSIS OF PANCHAYAT   Total Household in the village DHAN KALANJIAM Household cover NRLM Household cover Total group in village Total household cover in group Left out household Broken SHG group Potential group can be promoted Narayanshai 65 65 3 30 3 30 35 2 Padamp-ur 96 5 50 4 40 9 90 6 Simlab-handh 90 1 10 7 50 8 80 30 3 2 Mudha-kati 84 1 12 4 40 5 52 32 2 Sialgha t 55 3 30 3 30 6 60

22. CONT.,   Total Household in the village DHAN KALANJIAM Household cover NRLM Household cover Total group in village Total household cover in group Left out household Broken SHG group Potential group can be promoted Banaka-ti 86 86 6 60 6 60 26 1 Pathrur-ikata 60 4 40 3 30 7 70 Nahara 177 7 70 11 110 18 180 Each group 10 to 12 members according to panchayat office . In this group from 1 household more than 2 member also present . From this potential households many members migrated in other state / other districts.

23. PROMOTED GROUPS Name Formation Date Number of Members Village Baseline Savings Maa Hingula Kalanjiam 10.1.24 11 Mundhakati Yes 100 Maa Mangla Kalanjiam 29.01.24 10 Banakati Yes 100 Maa Laxmi Kalanjiam 27.01.24 10 Narayanshai Yes 100 Jahira Kanjiam 12.2.24 10 Simlabhandh Yes 100 Maa Sitakapura Kalanjiam 08.2.24 10 Simlabhandh Yes 100 Biduchandan Kalanjiam (under process) - 10 Mundhakati No No Maa Padmini SHG (under process SHG to Kalanjiam) - 12 Nrayanshai No No

24. Maa Hingula kalanjiam Date of promotion- 10.1.24 Village – Mundhakati Total member - 11

25. Order Date Purpose Result 1 1 st week village visit, self introduction ,And rapport building - PRA Talked with the people 2 3.1.24 Finding resource person in village with him talked with villagers who all are interest for join in group. 3 4.1.24 Arranged1st meeting & Concept seeding about the Kalanjiam Members are asking several questions about the Kalanjiam concept. 4 5.1.24 Showing the charts and video about the kalanjiam. 2 nd meeting 6 members are convincing by the concept and ready to join in group. 5 6.1.24 Arranged 3 rd meeting , clarification doubt of members. 9 members are ready to join in group . Members were take responsibility finding more members for group. 6 8.1.24 Arranged 4 th meeting for taking details for group & selected office barriers. 11 members are came together for group with the RS. 100 savings.

26. Order Date Purpose Result 7 9.1.24 Group formation and Byelaw evaluation CRP of mission shakti gave bad concept about kalanjiam confused members . Created conflict between me and group members . Visited CRP members house with some of group members. Talked with CRP . 8 10.1.24 Promoted group & Byelaw evaluation. RS. 100 savings and taking pledge . 9 12.1.24 Baseline data collection All details collection.

27. Maa Laxmi kalanjiam Date of promotion- 27 .1.24 Village – Mundhakati Total member - 10

28. Order Date Purpose Result 1 1 st week village visit, self introduction ,And rapport building - PRA Talked with the people 2 11.1.24 Door to door visit Talked with villagers who all are interest for join in group. 3 19.1.24 Arranged1st meeting & Concept seeding about the Kalanjiam Members are asking several questions about the Kalanjiam concept. 4 20.1.24 Showing the pamphlets and video presentation about the kalanjiam. 2 nd meeting , 6 members are coming for join in group. 5 21.1.24 Arranged 3 rd meeting ,giving concept about kalanjiam, clarification doubt of members. 8 members are ready to join in group . Members were taking responsibility finding more members for group. 6 23.1.24 Arranged 4 th meeting for taking details for group & selected office barriers. 10 members were coming with details. One of them have issue in Aadhar card.

29. Order Date Purpose Result 7 24.1.24 Visited internet caffe with members. The Aadhar card was not corrected there. Visited block office for Aadhar correction. 8 27.1.24 Promoted group & Byelaw evaluation RS. 100 savings and taking pledge . 9 30.1.24 Baseline data collection All details collection. 10 1.2.24 Visited bank for account opening & invited them for cluster meeting. open new account for group members.

30. Maa Mangala kalanjiam Date of promotion- 29 .1.24 Village – Bana kati Total member - 10

31. Order Date Purpose Result 1 1 st week village visit, self introduction ,And rapport building - PRA Talked with the people 2 12.1.24 Finding resource person in village with him talked with villagers who all are interest for join in group. 3 13.1.24 Arranged1st meeting & Concept seeding about the Kalanjiam Members are asking several questions about the Kalanjiam concept. 4 18.1.24 Showing the pamphlets and video presentation about the kalanjiam. 2 nd meeting Less members are coming. ( for makar meala) 5 20.1.24 Arranged 3 rd meeting ,giving concept about kalanjiam, clarification doubt of members. 7 members are ready to join in group . Members were taking responsibility finding more members for group. 6 22.1.24 Arranged 4 th meeting for taking details for group & selected office barriers. 10 members were coming with details.

32. Order Date Purpose Result 7 23.1.24 Meeting with CRP.( CRP created problem) Visited CRP house talked with her . No solution by meeting . 8 24.1.24 Visited block office with associate . Meeting with associate , CRP of mission shakti and block officers. Gave time line for signature. 9 29.1.24 Visited block office Promoted group & Byelaw evaluation Took signature from block office. Evening(6:30 p.m.) RS. 100 savings and taking pledge . 10 30.1.24 Baseline data collection All data collected . 11 1.2.24 Visited bank for account opening & invited them for cluster meeting. open new account for group members.

33. Maa Sitakapura kalanjiam Date of promotion- 8 .2.24 Village – Simlabandh Total member - 10

34. Order Date Purpose Result 1 1 st week village visit, self introduction ,And rapport building - PRA Talked with the people, talked with ICDS mam. 2 2.2.24 Meeting with ICDS mam. She promoted six ICDS group from that 3 was broken . took details of the SHG members . Visited members houses and personally talked with them 3 3.1.24 Arranged1st meeting & Concept seeding about the Kalanjiam, invited them for cluster meeting . Members are asking several questions about the Kalanjiam concept. 4 6.1.24 Arranged cluster & financial literacy camp. Conducted game for concept seeding . All members are participate in this meeting . 5 7.1.24 Arranged 3 rd meeting. Verified all the details of group members. Classified members as old and new 8 members are old members and 2 members are new for joined in group.

35. Order Date Purpose Result 6 8.2.24 Promoted group & Byelaw evaluation RS. 100 saving and pledge taking. 7 9.2.24 Open bank account of 2 new members . Base line data collection . Collected all details. Again restarted their group.

36. Jahira kalanjiam Date of promotion- 12 .2.24 Village – Simlabandh Total member - 10

37. Order Date Purpose Result 1 3.2.24 take information from sitakapura kalanjiam members. Visited members houses and personally talked with them. 2 4.2.24 Arranged1st meeting & Concept seeding about the Kalanjiam, invited them for cluster meeting . Members are asking several questions about the Kalanjiam concept. From 2 group 10 members are came out for joined in group. 3 6.2.24 Arranged cluster & financial literacy camp. Conducted game for concept seeding . All members are participate in this meeting . 4 7.2.24 went bank for closing one account . Bank did not closed account .

38. Order Date Purpose Result 5 9.2.24 visited block office. Gave timeline for verify. 6 12.2.24 Visited block office with old president of group. Promoted group & Byelaw evaluation gave signature for closed account. Closed one group account in bank. RS.100 savings taking pledge. Members number will be increase in this group .

39. Group no – 6 Biduchandan Kalanjiam (under process) Village - Mundhakati Date Purpose Result 1 2 times Self introduction, PRA. Good rapport build, Arrange meeting 2 31.1.24 Finding the key person there. 1 hour of discussion -one person positive response. Motivated – meeting and members arrangement. 3 3.2.24 Concept seeding – Introduction Mindset different, only 5 people positive response 4 4.2.24 Invited in cluster meeting. Interest to join the group, 8 people – arrange another meeting 5 6.2.24 Invited them cluster meeting 10 members convince-Members motivate by meeting . 6 10.2.24 Conflict between group members. Some of members converted in Christin meeting with villagers .( because of conflict group is in under process.) Talked with panchayat president. Associate took responsibility of group.

40. Order Date Purpose Result 1 3.2.24 Information came from maa Laxmi kalanjiam. Padmini SHG wants to break their group. Conducted meeting with them. Know about their problem. 2 4.2.24 concept seeding 7 members want join in Kalanjiam. 3 6.2.24 Arranged cluster & financial literacy camp. Conducted game for concept seeding . 9 members are participate in this meeting . 4 11.2.24 Arranged 2nd meeting . 11 members wants to joined kalanjiam. Group no – 7 Padmini SHG(under process) Village – Narayanshai

41. Order Date Purpose Result 5 13.2.24 Arranged 3 rd meeting Meeting with CRP 6 14.2.24 visited block office Meeting with block officer. Time was completed so I can’t promoted group. Associate take responsibility of the group.

42. MEMBERSHIP PROFILE Family and poverty categorization

43. ANALYSIS PART

44. Cont..,

45. Cont..,

46. Cont.., % interest No of members 0.03 5 0.04 1 0.05 2 no 43

47. WAY FORWARD Livelihood intervention – training – Plates making, making, bari making , tailoring, Fishery , poultry. Health – intervention. More project need. Exposure visit – from federation office/Foundation office. Yearly one time can gathered all cluster & organized one annual function.

48. CHALLENGES Mobility Mission Shakti / CRP Block level Mundhakati – Conflict Harvesting season. Festival month. People’s time availability Language – Santhali / odia .

49. ASK ATTITUDE Adaptability Patience Increasing my confident level Controlling emotions . SKILL Deal with community very effectively. How patiently ask question from community. Improve communication skill . KNOWLEDGE Knowledge about microfinance. Knowledge about SHG systems.

50. Feedback & suggestion