|
Name of the District:
DHARMAPURI
|
|
Name of the Block
|
PALACODE
|
|
Name of the NGO
|
MYRADA
|
|
Name of the Group
|
Sri Sivasakthi MM
|
|
Total Members
|
20
|
|
Date of formation of the group
|
26.09.1997
|
|
Name of the Bank Branch
|
Indian Bank,Palacode
|
|
Account No.
|
14590
|
|
Total Savings made by the Group
|
Rs.92,865/-
|
|
Sanga Loan
|
Rs.5,43,500/-
|
|
DETAILS OF CREDIT ASSISTANCE AVAILED BY THE
GROUP
|
|
Scheme
|
SGSY-Economic Assistance 1999-2000 – I Loan
|
|
Date of Availment of Loan
|
Nil
|
|
Activity
|
Coconut Leaf Thatching
|
|
Total Loan Amount sanctioned
|
Rs.2.00 lakhs
|
|
Amount drawn and utilised
|
Rs.2.00 Lakhs
|
|
Total Subsidy Amount
|
Rs.1.00 Lakhs
|
|
No.of Members benefitted
|
20
|
|
Overdies if any
|
Nil
|
|
Details of Training if any
|
Nil
|
|
Details of the Project
|
Since it is 2 years old matured group, the
group is selected for Economic Assistance directly.
All the group members hither to doing this Coconut Leaf
Thatching as:
(a)
Casual Labourer earning Rs.15/- to Rs.25/ day
(b)
Some members invested small amount to purchase coconut leaf
from owners.
By availing loan under this SGSY Scheme for
getting higher rate of return , group decided to:
(1)
Take the Coconut Leaf from the land owners in large scale.
(2)
Members decided to get Coconut Leaf from near by areas also by
transporting using vehicle.
(3)
They decided to take it as Sub Group Activity.
(4)
After availing the loan amount each member taken share of
Rs.10,000/-
(5)
2 to 3 members sub grouped together to pay advance to get
Coconut Leaf throughout the year from landlords.
(6)
The advance varies from Rs.15,000/- to Rs.25,000/-.
(7)
Once in 15 days they are bringing the Coconut Leaf for
thatching.
|
|
Economics of the Project
|
One labourer can take 3 bundles (each 12 leaf)
per day.After thatching
on an average they will get 4.5 bundles of finished leaf.
|
|
Cost per day:
Coconut leaf 3 bundles Rs.10/bundle
Transport Rs.3/bundle
|
Rs.30.00
Rs.09.00
------------
Rs.39.00
|
|
Thatched leaf 4.5 bundles Rs.20/bundle
|
Rs.90.00
|
|
Net Income
|
Rs.51/day
|
|
No.of working days per mongh
|
28
|
|
Monthly income
|
Rs.1428/-
|
|
Loan Amount instalment
|
Rs.300/-
|
|
Future Plan to increase the income of members:
|
- Now
the group as whole decided to sell the thatched
leaf to the nearest mundys situated at Palacode and
Marandahalli 6 Kms and 15 Kms respectively.
- Total
production is 4.5 bundle/day x 20 members as
: 90
bundles
- Monthly
Production 90 bundles x 28 days:2520
By meeting out transportation and coolies on
an average Rs.2.50 earned per bundles.
Additional income/month 2520 bundle x Rs.2.50
.. Rs.6,300/-
In the same village another group is under
processing to take up the same activity.
So both the group decided to purchase one vehicle for
transporting the coconut leaf and finished leaf to earn additional
income.
|
|
Group Dynamics
|
- Group
is conducting regular weekly meetings on all Sundays.
- The
group average savings is Rs.125/month
- Average
Attendance is almost 100%
- All
the registers maintained properly
- Funds
management is also good
- Participation
of members is high
|
|
Sharing of Responsibility
|
- For doing any work sub group responsibility is
fixed among members.
- Representatives properly rotated.
- Group recently joined in CLF. Members
aware about the financial position of the group.
- Though the group members are 80% illiterate they
know about the financial position of the group.
- SHG members training and A & R training
regularly attended by the members.
|
|
Marketing & Pricing
|
Group is regularly getting the Coconut leaf
and 100% Marketing is there.
|
|
Accounting/Cash Management
|
The group utilized the loan amount fully
Group Common fund also properly utilized
Group is having GRF by paying Rs.1000/month towards
RD account.
|
|
Other information
|
Before availing this loan 6 members were
individual defaulter in bank.So
as to avail the SGSY loan the group paid Rs.45,000/- from Common fund,
now these members paying this amount to sanga every month.
|
|
Profit Sharing
|
Nil
|
|
SWOT Analysis
|
|
Strengths
|
Proper co-ordination between members in taking
decisions.
Rules and Regulations strictly followed.
Good bargaining capacity among members
The group motivated other poor women to form new
group
Good support from family members
|
|
Weakness
|
Low level literacy
Lack of Self Confidence
|
|
Opportunities
|
Good support from Bank and NGO
Training facilities from BAN MaThi
Encouragement from the village panchayat counsel
|
|
Threats
|
Group fear that illiteracy and casteism may not help
to do the activity in large scale.
Non availability of security to get additional loan.
|
|
Conclusion
|
At the outset it is observed that the group is
doing the activity successfully, as per the objective of SGSY scheme
the group member will get net income of Rs.2000/- by crossing the
poverty and other hurdles.
|
