Vama ppt

VAMA : (Bal-Mahila Vikas Samiti)

““Preparing people to help themselves”““Preparing people to help themselves”

VAMA (Bal-Mahila Vikas Samiti) 2

ABOUT US

The Society was incepted in 1988VAMA is a voluntary organization, registered under M.P.

Societies Registration Act 1973.It is working for the empowerment of dalits, poor &

marginalized communities to address their immediate needs and better access to entitlements & rights

It is also registered under the Foreign Contribution Regulation Act (FCRA) and 12A & 80G of Income tax Act, 1961 & PAN, TAN No.

VAMA’s Developmental Programme

•VISIONClassless, Exploitation-free, Injustice-Free peaceful and Enlightened Society

•MISSIONInitiative for Social Change through Participation of Local Communities, especially Women


Programme Undertaken by Programme Undertaken by VAMAVAMA

• Child help initiative for lasting development Innovative pilot project on primary education

• Vocational training for adolescent girl

• Community health awareness program

• Capacity building of the village level institutions

• SHG Bank Linkage Programme

• Program for saving girl child

• School hygiene programVAMA (Bal-Mahila Vikas Samiti) 4

• Soil & water conservation activity

• Community development program

• Violence against women

• Gender & women empowerment

• Alternative education

• Access to better health

• Reinforcing Women for Sustainable Livelihood

• Financial Literacy to Marginalized Women.



Sr.N Name of Funding Agency Date Of Sanction Amount sanction Amount Released Status of the project

1 CIDA (ICCCO) April 30 2001 10,99,628.00 10,99,628.00 Women Empowerment Prog

2 NABARD 14 march 2001 2,25,000.00 2,25,000.00 SHG Bnk Linkage Prg.

3 IGSSS 9 Aug 2001 5,87,100.00 5,87,100.00 Community Dev. Prog.

4 WATER-AID 20 Jan 2003 7,69,437.00 7,69,437.00 Water & Sanitation Prog.

5 NEG 22 March 2002 3,52,650.00 3,52,650.00 Dastak (Primary Education)

6 SPK&SS 20 April 2002 3,19,423.00 3,19,423.00 RCH

7 FORRAD 2 Nov 2000 2,40,000.00 2,40,000.00 Community Land Dev. Prog.

8 BUTTERFLY 7 Aug 2001 45,000.00 45,000.00 Published Bal News Paper

9 NCSTC (DST) 11 Jan 1999 59,100.00 59,100.00 Workshop for rural youth

10 CAPART 4 March 2004 22,74,158.00 22,74,158.00 Community Watershed Mgt.

11 WATER-AID 20 Jan 2004 10,24,317.00 10,24,317.00 Water & Sanitation (ABHAS)

12 SIDBI 24 Dec 2008 100 Lac TL & 5.9 Lac Gr 100 Lac TL & 5.9 Lac Gr Empowerment Of SHG

13 CARITAS ,INDIA 2008 46,500.00 46,500.00 Women Empowerment

14 CARE –CASHE DFID 15-Sep 2006 5,44,328.00 5,44,328.00 Microfinance

15 DFID (PACS) 2006 7,83,000.00 7,83,000.00 Violence agst. Women Prg.

16 MNGO RCH 14-Dec 2006 15,00,000.00 15,00,000.00 Health Programme

17 CARE –CASHE Sep-2007 3,62,000.00 3,62,000.00 Micro-finance

18 FWWB, AHMEDABAD June 2006 to present 2,80,00,000.00 2,80,00,000.00 Empowerment Of SHG

19 ICICI BANK LTD June-2006 10,00,000.00 10,00,000.00 Revolving Fund for SHG emp

20 State Bank of INDIA April-2007,Feb & June 2008 100,00,000.00 100,00,000.00 Empowerment Of SHG

21 CARE-RLF Sep -2007 30,00,000.00 30,00,000.00 Revolving Fund for SHG emp

22 MPSACS 2 Jan 2009 12,27,800.00 12,27,800.00 TI Project

23 Manaveeya Holding 10 Sep 2009 100,00,000.00 100,00,000.00 Empowerment Of SHG

24 IDBI Bank 23-June 2010 50,00,000.00 50,00,000.00 Empowerment Of SHG

25 Indian Bank Nov- 2010 25,00,000.00 25,00,000.00 Empowerment Of SHG

26 CASA April 2010 18,00,000.00 8,68,663.00 Livelihood Prg. For women

27 MPSACS BHOPAL April 2010 185,354.00 185,354.00 TI Project at Mandsour

28 MPVHA May 2010 25,000.00 25,000.00 Prg against declg sex ratio

29 RMK Feb 2011 75,00,000.00 37,50,000.00 Empowerment Of SHG


VAMA's Micro-Finance

VAMA made its foray into microfinance in July 2006 with a strong background of two decades of social work.

The MFI program has adopted both the lending models, the SHG and JLG initially. (Current proportion SHG: JLG is 50:50)

Currently we are operating only in Gwalior district in about 169 villages and urban slums with two branches in Gwalior.

According to an assessment report by SMERA & CRISIL the microfinance program of VAMA is quite promising and has a very good potential for growth.


VISION AND MISSION

• MISSION “We provide easily accessible, quality financial

services to poor clients especially women for improving their quality of life & irrigate POVERTY”

• VISION “To become the best microfinance service provider,

reaching 50,000 active clients by 2015 in Gwalior-Chambal region of Madhya Pradesh”


Chief Executive Officer (CEO)

Chief Executive Officer (CEO)

Assistant Branch Mgr.

(ABM)

Assistant Branch Mgr.

(ABM)

Chief Operation Officer (COO)

Chief Operation Officer (COO)

Areas Manager (AM)

Areas Manager (AM) MIS OfficerMIS OfficerChief AccountantChief Accountant

Branch MIS Officer

Branch MIS Officer

Field Executives (FE)

Field Executives (FE)

Accountant/Cashier

Accountant/Cashier

Branch Manager (BM)

Branch Manager (BM)

Board of Directors

Board of Directors

Internal AuditorInternal AuditorAdvisory Committee

Advisory Committee

FINANCEManager

FINANCEManager

HR ManagerHR Manager

ORGANOGRAM


OPERATIONAL DETAILSS.NO PARTICULARS AS ON 31st August 2011

1 LOAN OUTSTANDING 25,373,433

2 ACTIVE CLIENTS 3517

3 GROUPS 1398

4 MEMBERS 7912

5 CUMULATIVE LOAN DISBURSEMENT 147,662,100

6 REPAYMENT RATE 99.69 %

7 OUTSIDE BORROWINGS 30,879,736

11

LOAN PRODUCT

• S.No. Product Period Loan size Interest Rates

1 Dairy 6-24 Month Rs.5000- 50000 24 % Reducing

2 Agriculture 6-24 Month. Rs.5000- 50000 24 % Reducing

3 Infra(House Repair & Maint.)

6-24 Month. Rs.5000- 50000 24 % Reducing

4 Micro Entr. 6-24 Month. Rs.5000- 50000 24 % Reducing

5 Services 6-24 Month. Rs.5000- 50000 24 % Reducing

VAMA (Bal-Mahila Vikas Samiti)

12

RATIO’SS.NO PARTICULARS AS ON31st March 2011

1 NET INCOME923,330.11

2 NET WORTH 7,225,067.98

3 PAR 0.69

4 OSS 108.88

5 CAR 20.34

6 OCR 33.55

7 ACR 7.18

8 PCR 10.5


CUMULATIVE DISBURSEMENTS IN THE YEAR 2010-11


SECTOR WISE CLIENTELE PROFILE

14VAMA (Bal-Mahila Vikas Samiti)

OTHER OPERATIONAL DETAILS



DETAILS OF EXISTING FUNDERS

S.NO. NAME OF FINANCIAL INSTITUTION/BANK

DATE OF SANCTION

AMOUNT Sanction

AMOUNT Disbursed PERIOD

RATE OF INTEREST

OUTSTANDING AS ON 31-08-2011

Repayment frequency

1STATE BANK OF INDIA Cash Credit Jun-2008 50 Lac

-- 10.00% 48,86,737.00

-

2 SBI Term Loans -1 Apr-2007 25 Lac 25 Lac 3 years 10.00% 0.00 Monthly

3 SBI Term Loans -2 Feb-2008 25 Lac 25 Lac 3 years 10.00% 0.00 Monthly

3 SIDBI I Dec 2008 50 Lac 50 Lac

3.5 yrs 14.00% 17,85,200Quarterly

4 SIDBI II Jan-2010 50 Lac40 Lac

4 yrs. 12.25% 35,72,000Quarterly

5FWWB (Term Loan 1 to 22)

June-2006 to Feb 2010 205 Lac

205 LacEach loan 18 month 11.50% 63,33,534.00

Monthly

6

Mannveeya Holdings Investment and Private Ltd. Aug-2009 100 Lac

100 Lac

3 years 13.50% 60,00,000.00

Yearly and then after every six months

7 IDBI Bank Ltd.23-June 2010 50 Lac 50.00Lac 2 years 12.75% 25,00,000.04

-

8 ICICI BANK LTD. Jan -2006 10 Lac 10 Lac 2 Years 11.5% 0.00 -

9 CARE-INDIA Sep-2007 30 Lac 30 Lac 2 Years 11.5% 0.00 -

10 Indian Bank Nov.-2010 25 Lac 25 Lac 4 years 13.75% 21,87,500.00Quarterly

11 RMK Jan.-2011 75 Lac 37.5Lac 4.75 years 8 % 35,72,000.00 Quarterly

OUR DONORS/SUPPORTERS / NETWORK PARTNER’S



Ministry of Women and Child Development Rashtriya Mahila Kosh


•We have at present 2 branches.

•(4 NEW BRANCH) MORAR, GWALIOR (HAZIRA), LASHKER

& DATIA

•IN NEXT 2 YEAR.

MARKET GROWTH STRATEGY


VAMA’S PROGRESS IN LAST ONE YEAR


TRAININGS IN LAST YEAR

S.NO Program Organized by Venue

1 Training Program on formation of SHGs Bird, Lucknow

2 Programme for NGOs on REDPs/ SDPs Bird, Lucknow

3 Samudayk Nigrani Abhiyaan bethak Madhyanchal Forum, Bhopal

4 Media Jan Parivar Karyshala Madhyanchal Forum, Bhopal

5 Symposium of MFIs for social performance Maanveeya Holdings & Pvt. Ltd., Hyderabad

6 Poorest State Inclusive Growth Programme SIDBI & NABARD, Bhopal

7 Panchayat Raj Samarthan, Bhopal

8 Programme on right to education CASA, Bhopal

9 Programme on Food Security Bill CASA, Bhopal

10 General Body meeting VANI, Udaipur


S.NO. Program Organized by Venue

11 Lekhan Karyshala Madhyanchal Forum, Bhopal

12 Credit Appraisal Mechanism By Mr. Love Kashyap, mF Practitioner

VAMA HO, Gwalior

13 Livelihood & Sustainable development By Mr. Love Kashyap, mF Practitioner

VAMA HO, Gwalior

14 Pre-Training for MIS ACCT. by Mr. K.K.Singh VAMA HO, Gwalior

15 FE Operations Training VAMA HO, Gwalior

16 Pre-Training for ABM/BM/COO by Mr. K.K.Singh VAMA HO, Gwalior

17 Post-Training for ABM/BM/ COO by Mr. K.K.Singh VAMA HO, Gwalior


NEW STEPS TAKEN BY VAMA

• Started a new branch of micro-finance at Dabra successfully in August 2010.

• Lower the interest rate from 18% to 15 % flat and now to 24% reducing as on 1st Sep 2011

• Started new HR practices like Appraisals, in-house training etc.

• New practices adopted for staff recruitment and staff is given exposure to various training programmes.

• SMERA rated our microfinance as MF4.VAMA (Bal-Mahila Vikas Samiti) 25

CONTD…..

• Financial literacy project is currently running at MORAR block of 30 villages

• Reinforcing women for sustainable Development supported by CASA at MORAR block on 12 villages.

• VAMA ANM (Nursing) School, Datia• ASHA training is organized on Datia By VAMA • Beti bachao abhiyaan ( save girl child)(MPVHA)• Nirmal Gram Panchayat (NABARD)


RECEIVABLE LEVERAGE STATUSS.NO. Funder Name Amt Proposed To be

Sanctioned (Rs. Lac)1 IDBI Bank 75.002 Indian Bank 100.003 NABARD 100.004 SBI 100.006 National Housing Bank 250.007 Mannveeya 100.008 Ananya Investments Pvt. Ltd. 60.00


LETS HAVE A LOOK AT ANNUAL ACTIVITY PICTURES



FINANCIAL LITERACY MICROFINANCE

FINANCIAL LITERACY INHOUSE TRAINING


SILENT DEMONSTRATION SHRAM DAN AT TIGHRA BY VAMA TEAM

SDP (NABARD)FINANCIAL LITERACY


FINANCIAL LITERACY

INHOUSE TRAINING

ASHA

ASHA


MICROFINANCE

TRAINING ON FM

OUTHOUSE TRAINING

VAMA (Bal-Mahila Vikas Samiti) 33BETI BACHAO ABHIYAN WOMEN REPRESENTATIVES IN

PANCHAYAR ELECT

PROGRAAME FOR HIV AIDS PREVENTION WOMEN EMPOWERMENT PROGRAMME


PROGRAMME ON DECLINING SEX RATIO

SILENT CAMAPIGN AGAINST FEMALE FOETICIDE

VAMA STAFF MICROFINANCE

35

Our Mailing address:

9-C, MAHARANA PRATAP NAGAR, NEAR JIWAJI CLUB GWALIOR-2 (MP) INDIA,

E-mail: [email protected],[email protected] site: http:// www.vamaindia.org

Phone & Fax : 0751-2457438, Mob. 09826299566 VAMA (Bal-Mahila Vikas Samiti)

http://www.vamaindia.org/

Vama ppt

Economy & Finance

Transcript of Vama ppt