|
Name of the District
: THENI
|
|
Name of the Block
|
PERIYAKULAM
|
|
Name of the NGO
|
SIRPI
|
|
Name of the Group
|
Muthalamman Mahalir Sangam
|
|
Members Name
|
1.Pappu
2.Panchammal
3.Muthu 4.Vanathai
5.E.Solaiammal
6.Packiam
7.Ramuthai
8.Ayyammal
9.Andichiammal 10.Jayakodi
11.N.Solaiammal
12.Jyothi Selvi
13.M.Packiam
14.Panchukili
15.Meenammal
16.Jyothi
|
|
Total Members
|
16
|
|
Date of formation of the group
|
Nil
|
|
Name of the Bank Branch
|
Canara Bank,Theni
|
|
Account No.
|
SGSY/G.A./1/2000
|
|
Total Savings made by the Group
|
Rs.12,360/-
|
|
Sanga Loan
|
Nil
|
| DETAILS OF CREDIT ASSISTANCE AVAILED BY THE
GROUP
|
|
Scheme
|
SGSY-Economic Assistance
|
|
Date of Availment of Loan
|
Nil
|
|
Activity
|
Calf Rearing
|
|
Total Loan Amount sanctioned
|
Rs.2.565 lakhs
|
|
Amount drawn and utilised
|
Rs.1.71 Lakhs
|
|
Total Subsidy Amount
|
Rs.1.25 Lakhs
|
|
No.of Members benefitted
|
10
|
|
Overdies if any
|
Nil
|
|
Details of Training if any
|
Nil
|
|
Details of the Project
|
10 members benefited, each member 4 calves
provided.
|
|
Economics of the Project
|
|
I.Fixed investments:
Four calves @ Rs.5000/- for 10 members
Insurance @ 2.8% of cost amount
Total
|
Rs.2,00,000/-
Rs.
5,600/-
Rs.2,05,600/-
|
|
II.Expenditure:
Concentrate feed @ 1 Kg/day for 360
Days for 40 calves
Cost of Medicine @ Rs.100/calf
Total
Project cost Grant Total
|
Rs.
46,900/-
Rs.
4,000/-
Rs.
50,900/-
Rs.2,56,500/-
|
|
III.Interest @ 12.25%:
For loan amount Rs.1.315 lakhs
Total Expenditure in first year
|
Rs.
16,110/-
Rs.2,72.610/-
|
|
IV.Income:
Sale of cow at the rate pf Rs.12,000/Cow
Total Income
|
Rs.4,80,000/-
Rs.4,80,000/-
|
|
V.Bank advance:
Project cost
Subsidy amount
Bank Loan
|
Rs.2,56,500/-
Rs.1,25,000/-
Rs.1,31,500/-
|
|
Repayment of bank loan in 5 instalments
In 5 years
Interest for 1st year
Repayment of bank loan at the end of
the 1st year
|
Rs.
52,300/-
Rs.
16,110/-
Rs.
67,410/-
|
|
VI.First Year Income:
|
|
|
a) Gross Income
|
Rs.4,80,000/-
|
|
b) Repayment of Bank Loan
|
Rs.
67,410/-
|
|
c) Balance
|
Rs.4,12,590/-
|
|
d) For 2nd year investment cost of 2
calves for 10 members(10% margin
for inflation)
|
Rs.1,41,075/-
|
|
e) Net Profit for the group in first year
|
Rs.2,71,515/-
|
|
Income for the members per month
|
Rs.
2,260/-
|
|
Group Dynamics
|
Members are actively involved and very much
interested in group activities.
|
|
Sharing of Responsibility
|
Equal participation from all members in
sharing responsibilities and transparency is there
|
|
Marketing & Pricing
|
Yet to arise
|
|
Accounting/Cash Management
|
Yet to arise
|
|
Other information
|
Nil
|
|
Profit Sharing
|
Yet to arise
|
|
SWOT Analysis
|
|
Strengths
|
Good cohesion among the members involvement
from all.No domination,
weaknesses,opportunity and threat – yet to analyse.
|
