Developmental Programs &

Schemes for

Women

FUNDAMENTAL RIGHTS FOR WOMEN

• Article 14 It says that the state shall not deny any person equality before

law and equal protection of law in the territory of India• Article 15article 15(1) prohibits the state from discriminating on the

basis of religion, race, case, sex, or place of birth.article 15(3) allows the state to make special provisions for

women and children.• Article 16Art 16 (1) ensures equality in employment in govt. servicesart 16(2) explicitly prohibits any discrimination on the ground

of sex

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•Article 21The right to life and personal liberty, this article has come to the rescue of women who have been wronged.•Article 23Prohibits traffic in human beings and forced labor. •Article 39 aUrges the state to provides equal right to adequate means of livelihood to men and women.•Article 39 d Equal pay for equal work for both men and women.•Article 39 eState should ensure that men, women, and children are not forced into work that is unsuitable to their age or strength due to economic necessity.

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•Article 40/Article 243 Dprovides that 1/3 seats in panchayats shall be reserved for women.•Article 42 the state shall make provisions for securing just and humane working conditions and maternity relief.•Fundamental Duties 51 A (e) says that it is the duty of the citizens to renounce practices that are derogatory to the dignity of women.

Acts for the benefit of women1.Dowry Prohibition Act 19612.Contract Labor Act 1970 as well as Factories Act 1948 3.Equal Remuneration Act 19764.The Indecent Representation of Women (Prohibition) Act 19865.The Commission of Sati (Prevention) Act 1987 6.Protection of Women from Domestic Violence Act 20057.Maternity Benefits Act 19618.Child Marriage Prohibition Act 19299.Immoral Traffic (Prevention) Act, 195610.National Commission for Women Act, 199011.Protection of Woman Against Sexual Harassment Bill, 2007

Dowry Prohibition Act 1961

Government Schemes For Women Welfare

•Swayamsidha Scheme •Swahdhar Scheme •Kishori Shakti Yojana•Mahila Samriddhi Yojana•Maternity Benefits Scheme•Rashtriya Mahila Kosh•Scheme for working women's hostels•Development of women and children in rural areas•Margin Money Loan scheme•Ladali Lakshmi Yojana

Swayamsidha Scheme •It is an integrated project for the development and empowerment of women.

Objective •The Scheme aims at empowering women socially and economically through the establishment of Women Self Help Group, Integration and Convergence of other related schemes available with the different Departments.•Creating a sense of confidence among women regarding status, health, nutrition by providing loan.•The formulation, implementation and monitoring of block specific composite projects for 4 to 5 years incorporating the following four elements Group formation or mobilization activities, Community oriented innovative interventions, Other schemes of W and CD Department..

Eligibility criteria•Mostly women are eligible for the scheme.

Swahdhar Scheme

Kishori Shakti Yojana•Sponsored by Both Central & State Government •Implemented through Anganwadi Centers.

Objective • Improving the nutritional and health status of adolescent girls between 11-18 years of age, •To train and equip them to improve home-based and vocational skills, •To promote awareness of health hygiene, nutrition, home management, child care, and•Take all measures as to facilitate their marriage after attaining the age of 18 years and even later•The girls are also provided supplementary nutrition at Rs. 2.50 per girl, per day.

Eligibility criteria•Adolescent girls between 11-18 years of age

Mahila Samriddhi Yojana

Maternity Benefits Scheme•Sponsored by Central Government•Implemented through Panchayat

Objective•To provide monetary benefits to the pregnant ladies of poor families.•To reduce maternal deaths.•A sum of Rs. 500 is given to the mother of the child.

Eligibility criteria•The pregnant lady should be more than 19 years old and should be from a BPL family. •The benefit could be availed only till the birth of two surviving children and the gap between the two children should be a minimum of 3 yrs. and the women should be immunized for T.T

Rashtriya Mahila Kosh•Set up on 30th March, 1993.Objectives•To provide or promote the provision of micro-credit to poor women for income generation activities or for asset creation.•To adopt a quasi-informal delivery system, which is client friendly, uses simple and minimal procedures, disburses quickly and repeatedly, has flexibility of approach, links thrift and savings with credit and has low transaction costs both for the borrower and for the lender.•To demonstrate and replicate participatory approaches in the organization of women’s groups for thrift and savings and effective utilization of credit.•To use the group concept and the provision of credit as an instrument of women’s empowerment, socio-economic change and development.•To cooperate with and secure the cooperation of the Government of India, State Governments, Union Territory administrations, credit institutions, industrial and commercial organizations, NGOs and others in promoting the objectives of the Kosh.•To disseminate information and experience among all these above agencies in the Government and non-government sectors in the area of microfinance for poor women.•To receive grants, donations, loans, etc., for the furtherance of the aims and objectives of the Kosh.

Scheme for working women's hostels•promote availability of safe and conveniently located accommodation for working women,•day care facility for their children,•construction of new hostel buildings,•expansion of existing hostel buildingsBENEFICIARIES:-•Working women, who may be single, widowed, divorced, separated, married but whose husband or immediate family does not reside in the same city/area•Women who are under training for job provided the total training period does not exceed one year.•Girls up to the age of 18 years and boys up to the age of 5 years, accompanying working mothers will be provided accommodation, with their mothers.Income Limit, Rent and Period of Stay •Working Women gross income does not exceed Rs.30,000/-per month in metropolitan cities, or Rs.25,000/- per month, in any other place.• Rent will not exceed 15% of their total emoluments/gross salary in the case of single bed rooms, 10% for double bed rooms and 7½% in the case of the dormitories

Development of women and children in rural areas•The Scheme had been merged into Swarnajayanti Gram Swarojgar Yojana (SGSY) with IRDP, TRYSEM etc. from April, 1999•DWCRA was aimed to improve the socio-economic status of the poor women in the rural areas through creation of groups of women for income-generating activities on self- sustaining basis.•to facilitate access for poor women to employment, skill up gradation, training credit and other support services.

Beneficiaries of the scheme had given the following broad observations :

(i) Full stipend amount was not paid and the remaining amount was appropriated by the authorities.

(ii) The amount for purchase of raw materials for beneficiaries was fully appropriated by the authorities.

(iii) Even no certificate was issued to the beneficiaries.

(iv) No follow-up action was taken to include the beneficiary to continue in the training areas.

Margin Money Loan scheme•Margin Money assistance is provided to beneficiaries availing Bank Finance. •Banks finance for 60% of the project cost and seek 40% margin from the beneficiaries.

STEPS IN IMPLEMENTATION OF MARGIN MONEY LOAN SCHEME

1.The State Channelizing Agency (SCA) shall finance for margin money, the projects of those beneficiaries who have been sanctioned loan by a Bank for financing their project. The loaning should be done by the SCA after independent verification of the antecedents of the applicant, to its satisfaction. The applicant must confirm to the minimum eligibility criteria required for NMDFC loaning i.e. (i) must belong to the minority community, (ii) annual income should be below double the poverty line.

2.SCA shall advise the bank for immediately financing the project and follow up the same.

3.Monitoring & follow up with the beneficiaries to assist them in early implementation of project will be regularly done by the State Channelizing Agency.

4.It is advised that the banking channel may be used for recovery of loan from the beneficiaries. The banks may affect recovery on entire amount of loan given to beneficiaries and pay to SCA its share on pro-rata basis.

Ladali Lakshmi Yojana•Sponsored by State Government

Objective •to improve health and educational facilities for Girl children there by providing a bright future for them. •To stop female feticide killing to prevent female births. •The financial aspect involves a girl registered under the scheme at birth would receive Rs1.18 lakh at the time of marriage.

Eligibility criteria•Girls whose birth is on or after 1 January 2006, Registered in Anganvadi Kendra in the state, •whose parents are Domicile of Madhya Pradesh, •parents are not income tax payers and having two or less child, •before applying parents should have done family planning •girl lived in Orphanage.

EASY HEALTH INDIVIDUAL PLAN Provided by Apollo Munich . Includes all health benefits & certain maternity

benefits suitable for pregnant women.

Jeevan Bharti (Plan No. 192) Launched on 30 july 2008 by LIC India Benefits include; Accident benefit, critical illness

benefit, Congenital Disability Benefit. Minimum amount:50,000 Max amount: 2,50,000.

VIJAYA RAJI JANANI KALYAN YOJNA

By United India Insurance Company Development & welfare of the state of Madhya

Pradesh

Swayam Shakti Suraksha Best insurance policy for women in India it supports around 3.6 million women in rural India

across 18 states. Can be started with just depositing an amount of 500.