Case Study SegmentHost organization:-Jharkhand State Livelihood Promotion

Society (JSLPS)Reporting officer: Mr Srimanta Patra

Topic: Formation of Elderly Self Help

Groups(SHGs) in Khunt Pani Block(Bhoya & Janumbera)

Presented by: Bidyadhar Hansdah(15201006)Rishi Raj(15201018)

Objectives

To understand the rural development context in the project area of Bhoya & Janumbera

To understand the livelihood system of the inhabiting tribal communities

To enable the poor and marginalized to have access to micro-credit with bank linkages via enterprising Self Help Groups.

To Understand the formation process of self help groups (SHGs) in Khuntpani(block), Dist-Westsinghbhum

To understand the socio economic and Rural Life

About JSLPS

The Rural Development Department of Government of Jharkhand (GoJ) has established a separate and autonomous society named as “Jharkhand State livelihood Promotion society”(JSLPS) which works as a nodal agency for effective implementation of livelihood by help of NRLM.

Vision:- Create a socio-economically developed Jharkhand through empowering the

underprivileged members of vulnerable communities/groups. Mission:- Dedicate ourselves to empowering the underprivileged women as well as

the members of vulnerable communities/groups in the state by organizing and capacitating their groups and creating sustainable livelihoods

Location of the Project

• Focused districts- West Singbhum, Chaibasha in Khuntpani Block

VILLAGE PROFILE

The village BHOYA is situated in the Pandrasali gram panchayat, Block/

Khuntpani , Westsingbhum District Jharkhand.

The village is 14 kms away from Chaibasa,155 kms from Ranchi.

Nearest police station is 5 kms away in Matkobera.

Nearest post office and weekly haat is 0 km away from Bhoya

The road connecting to the village is ½ CC road and full Pichu road from

Chaibasa.

Research Design 11 SHGs out of 21 SHGs were

taken from Bhoya and Janumbera Village for the study.

These eleven groups were taken on basis of own different experiences with active member of PRP of JSLPS, while formation of those SHGs in the field.

Group discussion , and interview were used for the data collection.

Contin..

To achieve the above stated objectives the following methodologywere conducted. Primary Source: Informal discussions Survey with interview schedule Personal interviews

FGDs with villagers and Elderly people were conducted in order tounderstand current livelihood activities & availing old age pension.

Secondary Source: JSLPS Project Documents Internet

Coverage and Target of Study

WEST SINGBHUM DISTRICT

KHUNTPANI BLOCK

Village

11 SHGs are covered which were given by the organisation and the target of the study were the SHG members.

Village

Bhoya Janumbera

Bhoya Village Database General Findings:- Total Households:- 192 Temple:-01 (Jaher Gal) Tube well:-12 River and stream:-02 Primary school:-01 Anganwadi :-03 Water Tank:-01 Electricity is available but there is failure of electricity from 6 AM to 10

AM. Some of houses are having toilets but they are not using. Open defecation

is practiced.

Name of the E-SHG Group Village Name: BHOYA Village

Formation: >One Month

1) Ulibah Samuh2) Arati Samuh 3) Jojo Bah Samuh4) Elang Dulan Samuh5) Kisan Samuh6) Chando Marshal Samuh7) Jagruti Samuh

Village Name: JANUM BERA Village

Formation: >One Moth

1) Garib Vridh Samuh2) Sahara Sammuh3) Janen Marshal Samuh4) Juribaha Samuh

E-SHG Population Total household= 192. The total population of the Bhoya village (Bindibas & Upar Sahi) is 956. Religion: Hindu. Caste: ST 80%, OBC 20%. Number of BPL Families = 93 Number of Antodoya families=63 Total Population of 32 House Holds = 246 Adult Male = 75 Adult Female = 72 Boys(0-6years) =31 Girls (0-6 years) =23 Sex ratio = 985:1000 (Female/Male) Average family size =7 members

Social Category:

Old Age Pension

MALE-107FEMALE-16TOTAL E-SHG-123

MALE-10FEMALE-6

Population Analysis of E-SHG

Increasing death rat due to consumption of liquor and disease. Migration to other places and they are found dead and some of the reasons are even not known Lack awareness about the medical facilities.

Income Source & Expenditure

The main source of the income for the people of village Bhoya is Agriculture.

63% of the 32 household are involved in agricultural activity directly. ( HH Survey)

Non Agri-Labourer, Artesian, Business and Others are also the source of employment where they contributes 16%, 6%, 3% and 13% respectively.

Average Income :- Rs 71954.54

SHG Bank Linkage Programme

A most notable milestone in the SHG movement was when NABARD launched the pilot phase of the SHG Bank Linkage programme in February 1992 .

The RBI advised commercial banks to consider lending to SHGs as part of their rural credit operations thus creating SHG Bank Linkage.

Broadly the linkage is done in two phases:

1) Savings Linkage

2) Credit Linkage

Livestock

HOUSING PATTERN

IAY Houses:-23 Out of 15 houses there are 4 Antodoya Card holder and 2 houses doesn’t

have electricity. ELECTRICITY STATUS:- Out of 192 households there are 25 house holds, which are not yet

electrified.

TYPE NUMBER OF HOUSEHOLDS

SEMI PUCCA WITH AJBESTOS 16

KUCHHA WITH TILE 21

IAY 23

Physical infrastructure

TYPES OF HOUSES OF 32 HHS Pucca :- 5 Semi pucca :- 19 Kaccha :- 08 COOKING FACILITY Wood ROAD FACILITY Kaccha roads . ELECTRICITY FACILITY:-

SOURCES OF LIVELIHOOD

The Main source of income is wage labour and they do cultivation for their

own consumption mostly.

Though they have job card they do not get any jobs.

People had migrated Utarpradesh and Maharashtra.

School Wise Detail

Drop out rate :- 80% after X

LITERACY RATE District male literacy – 61.04% District Female literacy-39.19 % REASONS:-1) No high school near the village.2) Financial Instability.3) Bringing income to the house.4) Lack of awareness.

In the age of 6 to 15 years:Total Children - 65

School Going- 64

School Drop out – 01

Problems & SuggestionProblems: Teachers are not Punctual. Guardian engage their children in grazing cattle. Children use to migrate with their parents for employment purpose.

Suggestion: To appoint computer & computer Teacher’s to each school. To provide Bench & Desk to all School. To provide Sports Facilities in each school. To provide Games Teachers. To teach small children with the help of playing games , toys &

Pictures(animal , flowers , fruits etc) To improve infrastructure of School.

Learning & Findings

Get to know about knowledge with the help of local villagers in context of village Life, livelihood, tradition, beliefs, rural complexities and realities.

The basic village amenities provided by the JSLPS. Understand the socio-economic Status of village. Problem & Opportunity identified from respective village . Assess the quality of life and suggest ways and means to

improve the same. Learn how to communicate with village people. How to manage different situational problem in field level.

Recommendation The VOA meeting of the Bhoya should be systematical. Proper training should be given to the Master Book keeper. Mutual decision should be taken by VOA in loan taking and

lending Process. Percentage of the interest should be fixed and known to the

each and every member of the group. Training should be given by well trained person of concern

authority of JSLPS. Proper communication between field worker and concern

office bearer. (Ex- PRP and Group Member)

Case Study-1 Place :Bhoya (a ST dominated panchayat) Dist.: West Singhbhum . Facilitators: Rajender Rai( Sr. PRP) Name of the SHG:Uliba and Jojoba SHG Head: Pursotam Janko First of all we introduced with the SHG member of Bhoya village where

there are 13 member in the SHG.We came to know that most of the member are interested in joining the Old age pension. Then we started with introduction, information on SHG formation and its benefits by descriptive manner.The villagers of Bhoya are dependent on the agriculture and wage labour.

Response: All are showing interest in formation of SHG Reason: Villagers aware that it is a government supported project through

a JSLPS. and have faith in government related programs.

Cont... Follow up: Villagers took initiative, Convinced by us and started joining

SHG ,filled old age pension form. And, from the next day they also supported us and took us to other houses

to form SHGs in that Village. Other info: After that we were able to make twenty two SHGs in that

village in just few days.

Case Study 2 Place : Janum Bera ,Sum Dist.: West Singh Bhum . Name of the SHG: Aarati shayam sahayata SHG Head:Soma Jonko Started with introduction, information on SHG formation and its benefits. Response: All elderly villagers interested in forming SHG

Cont.....

Reason: Showed interest in joining Elderly SHG and cooperated with us in data collection. Villagers aware that it is a government supported project through a JSLPS. and have faith in government related programs.

Follow up: In weekly meeting explained about importance of joining elderly SHG and filling old age pension form.

Other info: Villagers started filling Old age pension form understand its importance towards livelihood generation.

Findings

In Bhoya village the response was very good but in janumbera not so good, visit was made continuously for few days to complete the data collection and all the necessary document records which help us to correctly entry into excel sheet i.e Adhara Card,Voter ID (Name,Age,Address,BPL No)

In Bhoya village Elderly SHG the response of the people were cooperative and rest of the SHG situation was average.

Cont... Eligibility of joining old age pension is 60 years for male and 52 for

female but we found age printed on aadhar was wrong.

In Janumbera village the day on which the SHGs were formed the people were coperative and also act in favor of facilitators.

Features like cultural aspects also mattered , the area is predominantly populated by Elderly people hence it was easy to get their cooperation because of gender binding on HO tribal people.

Conclusion

Govt. schemes now getting involve effectively in formation, nurturing and linking the SHGs to a local bank.

Regional offices are provided all information and support in this regard.

An economically poor individual gains strength as part of a group.

Besides, financing through SHGs reduces transaction costs for both lenders and borrowers.

Overall it can be said that cultural factors , previous experiences of people, mood of people on the day and organizational repo building played a key role on successful formation of SHGs.

Social Motivation Through Rally

Rally Conducted in Mahila Diwas with Elderly People

Social Issues

Discussion on E-SHG Social Issues

Data Collection & FGD

Bhoya Village

Data Collection & FGD

Janumbera E-SHG

Goatry Treatment in BINDIBASA BHOYA

By Jayanti Ichaghutu APS (Aajeevika Pashu sakhi)

Thank you