19
Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty Consultant Mission Shakti (Govt of Odisha Initiative for Women Empowerment) Block A-1, Toshali Plaza, Satyanagar, Bhubnaeswar, 751007, Odisha [email protected] [email protected] Mobile: 09437031912 Experiences of poverty eradication programmes in early 1980s articulated that women’sa micro and small-scale enterprises can provide an opportunity to accelerate economic activities. Women account for about half or more of the entire informal sector’s workforce and given access to credit and market linkage, these marginalized women can generate such enterprises. Experiences across the world show that credit and market linkages are important to create gainful economic activities for women. Group based credit access and economic activities began to emerge as a successful alternative to large scale intervention programs. In 2001, thus Mission Shakti, a Govt. of Orissa’s development programme was initiated with an aims of strengthening WSHGs at Panchayat, Block and District levels through the capacity building. Mission Shakti has been a flagship programme of Govt of Orissa initiative for women empowerment. It has been riding through women Self Help Groups (WSHG ) towards its mission goal. Achieving women empowerment in a state like Orissa suffering from regular calamities is a great challenge before Govt India and Orissa both. There has been multi prong approaches to make women prominently visible in development scene of Orissa . However it is again another gigantic task before Govt, corporate, academies and NGOs. While we find in the area of self Government i.e. in Gram panchayat somehow women have good presence in Orissa, we find challenges of low active participation of women in influencing panchayat in favour of women development and practically 70% of them are used as dummies in the hands of influential men or politicians. In addition to this there are other discrepancies’ and problems related to women development and their empowerment. Empowerment always leads to making people responsible. They would be responsible for what they are and what they will be. They will remain responsible what they do and what they reap from their behaviours or actions. Accordingly their standard of living will be influenced. Therefore making people responsible for all the developmental process, the output and desired changes always remained as priority area for all the Govt. Orissa has almost 50% women against total population. Out of them almost 60 lakh women are directly involved in WSHGs activities. Promoting WSHGs in Orissa was started to bring financial freedom and social visibility of women. It was also having aim to exercise and showcase women strength against social evils. Later this made a significant establishment of the fact that financial power of women and their

Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

Embed Size (px)

Citation preview

Page 1: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

Experiencing Financial Inclusion in Mission Shakti, Odisha

Bibhu Prasad Mohanty

Consultant

Mission Shakti (Govt of Odisha Initiative for Women Empowerment)

Block A-1, Toshali Plaza, Satyanagar,

Bhubnaeswar, 751007, Odisha

[email protected]

[email protected]

Mobile: 09437031912

Experiences of poverty eradication programmes in early 1980s articulated that women’sa micro

and small-scale enterprises can provide an opportunity to accelerate economic activities. Women

account for about half or more of the entire informal sector’s workforce and given access to credit

and market linkage, these marginalized women can generate such enterprises. Experiences across

the world show that credit and market linkages are important to create gainful economic activities

for women. Group based credit access and economic activities began to emerge as a successful

alternative to large scale intervention programs. In 2001, thus Mission Shakti, a Govt. of Orissa’s

development programme was initiated with an aims of strengthening WSHGs at Panchayat,

Block and District levels through the capacity building.

Mission Shakti has been a flagship programme of Govt of Orissa initiative for women

empowerment. It has been riding through women Self Help Groups (WSHG ) towards its mission

goal. Achieving women empowerment in a state like Orissa suffering from regular calamities is a

great challenge before Govt India and Orissa both. There has been multi prong approaches to

make women prominently visible in development scene of Orissa . However it is again another

gigantic task before Govt, corporate, academies and NGOs. While we find in the area of self

Government i.e. in Gram panchayat somehow women have good presence in Orissa, we find

challenges of low active participation of women in influencing panchayat in favour of women

development and practically 70% of them are used as dummies in the hands of influential men or

politicians. In addition to this there are other discrepancies’ and problems related to women

development and their empowerment.

Empowerment always leads to making people responsible. They would be responsible for what

they are and what they will be. They will remain responsible what they do and what they reap

from their behaviours or actions. Accordingly their standard of living will be influenced.

Therefore making people responsible for all the developmental process, the output and desired

changes always remained as priority area for all the Govt. Orissa has almost 50% women against

total population. Out of them almost 60 lakh women are directly involved in WSHGs activities.

Promoting WSHGs in Orissa was started to bring financial freedom and social visibility of

women. It was also having aim to exercise and showcase women strength against social evils.

Later this made a significant establishment of the fact that financial power of women and their

Page 2: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

organisation building through SHG gateway could successfully made great visibility in social and

livelihood development sector.

Purpose & priorities of the initiative

WSHGs created as an exclusive supplementary credit delivery mechanism, was not sustainable or

had limited success. So “Mission Shakti”has been a campaign for holistic empowerment of

women. It was launched on 8.3.2001 with a target to organize 2 lakhs Women Self Help Groups

(WSHGs) covering all revenue villages of the State. Since the formation of WSHGs has crossed 2

lakhs by 2008. Women at large have displayed great strength in the success of the Mission due to

their positive contribution to the group dynamics and their natural inclination for savings. Since

its inception, Mission Shakti has been working holistically to encompass different aspects of

women empowerment through SHG moments. These include expansion of credit linkage to as

many SHGs as possible so that SHGs have paid-up capital to start economic activities. This also

requires capacity building of SHGs in accounting, livelihood activities, skill up-gradation in

employment generation activities. Products made by WSHGs require standardisation, quality

control and good marketing. Mission Shakti activities focuses on capacity building, livelihood

promotion, consolidation through strengthening federation, micro credit support, convergence

with other departments and government progrmmes, marketing, addressing social issues,

communication and advocacy. Mission Shakti rests on the concept of micro credit to the poor

members of the society by organizing them into group WSHGs. The idea is being self-help

through mutual help. For the purpose of capacity building of WSHG members, the WSHGs are

categorised into priority groups depending upon their potential, utilization of available resources

and linking these to domestic and national market. The major areas of operation include:

Micro credit

Entrepreneurship Development

Livelihood security

Agriculture & Allied

Health, Hygiene & Sanitation

Capacity building and resource management

IT and education

While Mission Shakti was concentrating on above priorities, at the grassroots level in villages and

urban slums women SHGs of poor families were trying to make strong impact on addressing the

problems of dowry torture, domestic violence, low literacy, liquor issues, weak social status, long

demand for political power and many other social maladies. As the consequence, as of today,

rural women have at least better status. Now they have good presence in panchayts, watershed

organisations, actively participating in livelihood promotion many Govt agencies. There is a

definite, although slow, rise of girls’ attendance in schools and higher classes in schools.

Entitlements meant for women, girl children and old women are at least well discussed by Gram

panchayats. Many attempts are made to address the violation of entitlements under the able

guidance and leadership of Mission Shakti at state and district level. Many such issues and cases

came to the light and Govt of Orissa made necessary efforts to solve those too through policy

Page 3: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

changes and administrative directorns. However the result has not reached an optimal level where

the success and failures can be discussed here.

It aims further to strengthen the WSHG movement through formation of Federation and linking

them to various funding agencies. It also provided a platform for integration and effective

communication between the WSHGs and various Govt. and non-Govt. organizations.

Strategies adopted/mode of transformation with details of role of various stakeholders

Mission Shakti has taken up following strategies since its initiation

Formation and strengthening of WSHGs

Institutionalization of WSHGs effort through federating them at Panchayat, block and

district level

Building up the capacity of those institutions (from SHGs to Federations)

Strengthening livelihood measures and consolidating the efforts to ensure the

sustainability of the initiatives

Efforts to ensure market linkage to SHG products across the state and nation

Convergence with different Govt. Departments in the state

Page 4: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

The other key players for strengthening the network: NGOs, MFIs, Banks, NABARD, SIDBI,

Financial Institutions & SLBC (State Level Bankers Committee), Distirct level Bankers

Committee etc.

Mission Shakti Structure:

Tier I: As a first step all the WSHGs formed on the principles of viability replicability &

sustainability shall be the members of Panchayat level federation called Panchayat Mission Shakti

(PMS) Federation.

Tier II: All the Gram Pancyayat level Mission Shakti Federations shall be federated at Block

level called Block level Federation (BMASS).

Tier III: The District Mission Shakti shall be a federal body of all Block level Mission Shakti

Federations at district level called District Federation (DMASS).

To implement proposed model, there is a requirement of a social infrastructure from village to

district level and finally at state level. It is a matter of strength and delight that Mission Shakti has

already achieved that. At present at village level there are 367000 women SHGs operating with a

single objective to make a change in their status.

Envisioned points to strengthen WSHG Federations and the philosophy:-

District level Federations TIER – III Active persons-Federation Leaders

Block level Federations TIER – II Active persons-Federation Leaders Subject Matter Specialists

Panchayat level Federations TIER – I Active persons-GP Federation Leaders

WSHGs

FLOW CHART OF MISSION SHAKTI PROGRAMME

MVSN Mission Shakti Directorate Active persons- Staff Members of MVSN

and a cell of Consultants

Key Persons facilitating:

Collector, DSWO, LDM

Key Persons Facilitating:

BDO, CDPO, Mission Shakti

Coordinator, Banker, NGOs

Key Persons:

Facilitator/ Shakti Sahayika

Key Person :

WSHG Leader

MVSN: Mahila Vikas

Samabaya Nigam

Page 5: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

To bring sustainability or making a process survive for a long time to bring a change for the

betterment of society there is a need of institutionalization of the process. There is a need of

acceptance of the society to the basic philosophy of the change that is envisioned in as the core

value and strength of the process. Thus poverty reduction by using WSHGs approaches tested and

proved that the way to reduce poverty and establish equity. Here are the action points envisioned

for strengthening the process.

Strengthening of WSHG movement.:- Since its inception Mission Shakti has been working on

Formation of women SHGs,

Linking them with various Govt. programmes addressing women and child problems

Mainstreaming women activities and their presence in development process

Linking WSHGs with Nationalised Banks

Promotion of credit and thrift in SHGs

Encouraging income generation and self employment initiatives by WSHGs

Supporting women’s concern over liquor, domestic violence and dowry

Market Support arrangement with several market bodies in state for WSHGs products

through exhibitions and other outlets

Promoting and Strengthening of WSHG Federations:- Under a strategic decision and

approach for replicating the most successful models of WSHGs movements across the

country, Orissa Govt has been supporting the model that envisaged to form and strengthen

the Federations of WSHGs to showcase women power, bring gender equity and promote self

reliance in poverty stricken families as an institution building step for sustainable

development. This institution building approach has been key success of Mission Shakti so

far. This could have went up to a level where women SHGs have been able to understand the

necessity of making a visible stake in livelihood improvement and credit management.

Policy Formulation and Advocacy:- The biggest challenge of Mission Shakti was to

formulate a favourable policy for WSHG empowerment where it could be able to address the

policy stringency which usually comes on its way in promoting several income generating or

entrepreneurial activities at grass roots. Now this policy is designed and forwarded to Govt

for consideration. It has a greater scope and adequate flexibilities to address above issues and

also made significant provisions to make the credit support available for WSHGs and their

federations from various sources, Govt and financial institutions. In this draft bill there has

been provision to supersede many old and out dated irrelevant restrictions of Govt and

different policies which interfere or come in the way of women development and WSHG

attempts for poverty reduction and gender equity.

Page 6: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

Figure1:-State Level Mission Shakti Consultant Cell Structure

Therefore steps have been taken in this line and at each GP has a Federated body consisting of

representatives from WSHGs within the GP. Each GP level

Federations sent representatives to form a block level Federation. Thus a large no of GP Level

Federations (GPLF) are now operational in Orissa. Here is the model structure of the programme

given in figure-3.

Mission Shakti has meticulously engaged consultants in addition to regular staff members to

strengthen the state level operation for the optimal utilization of fund and appropriateness of the

programme envisaged by Govt of Orissa. It also made several convergences with different Govt.

houses and tried to empower women under poverty and improve their condition.

Mission Shakti State Consultants Cell and Supporting Agencies

Self Help Group

Promoting Institutions /

NGO partners/

Academics

Panchayati Raj dept.

Employment Mission

Agriculture dept.

Rural Development dept.

SC & ST

ORMAS

Capacity Building

Programme

Communication &

Research

Market outreach

Livelihood

promotion

Quality

Assessment

Financial institutions &

Banks

CONSULTANTS Alliance with…

Page 7: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

Figure 2:- Mission Shkati Cell at District level

To strengthen the Block Level WSHG Federations following steps have been taken by Mission

Shakti so far.

Block level Federations are registered under Society Registration Act.

Each block level Federation is equipped with a dedicated team of Micro-finance

specialist, Livelihood special specialist, multipurpose worker

Deployment of Mission Shakti Coordinator from existing pool of ICDS supervisors

exclusively to look into Mission Shakti affair at block level and strengthen the federation.

Ensured support and guidance from block level ICDS team.

Mission Shakti has supported the federation offices with computer, printers and minimum

infrastructure for a workable office of these people’s organization exclusively run and

managed by women of different SHGs.

District Social Welfare Officer is entrusted to supervise, monitor and guide the entire

initiative and directly intervene in the process at district level where District Collector

plays a major role as the authority of the programme at district level.

District Social Welfare Officer

(DSWO)

Subject Matter Specialist-Livelihood / Young professionals (YP)

Subject Matter Specialist-Micro Finance / Young professionals (YP)

Page 8: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

Figure 3: Mission Shakti Structure at Block level

All these support to Federations resulted in proving their efficiency in financial and team

management, financial inclusion and micro-credit promotion activities across the years. In most

of the districts this support made several changes and there have been tremendous changes in

production and promotion of SHG products.

Convergence Effort by Mission Shakti

Mission Shakti has been successful in converging many Govt Departments and got involved as

the implementing partner of various projects in favour of women development too. This has made

successful convergence with following Govt. of Orissa Departments, institutes, missions and

remained as a working partner too.

1. Department of Panchayati Raj,

2. Department of Rural Development, (State Institute of Rural Development, Water and

Sanitation Mission)

3. Employment Mission

4. Department of Industries

5. Department of Agriculture

6. Department of Animal Husbandry and Fishery

7. Department of Health

8. Department of Education

District Social Welfare Officer

Child Development

Project Officer (CDPO) of

ICDS Project at Block

Level

CDPO CDPO CDPO

Mission Shakti Coordinator

Subject Matter Specialists

Livelihood

Subject Matter Specialists

Microfinance

Multipurpose Worker Mission Shakti Coordinator acts as

Executive Officer of Block level Federation

Page 9: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

Its coordinated effort with Reserve Bank of India and NABARD could make tremendous changes

in facilitating better quality financial and hand holding or technical supports to SHGs and WSHG

Federations at Block level. Grading and evaluation of SHGs has been a regular practices of

CDPO offices at block level. The procedures and formats used for this purpose are recommended

by NABARD. Regular SLBC meeting and SLBC small committee meeting exclusively meant for

WSHG development in Orissa resulted with outstanding success of SGSY credit support

distribution within the allocated and stipulated time frame. The utilisation of that credit has been

streamed to mind and practices of SHGs too. This time bound programme with administrative

stringency over the delayed disbursement resulted with restricting corruptive practices at all the

points and corners.

MISSION SHAKTI: Micro credit for Income Generation:

The success story of Mission Shakti can be evidenced from the fact that, starting from a scratch,

today the movement has been able to form 3,72,748 WSHGs comprising of 44,72,976 members

with a credit advance of Rs.1294.44 crores and savings of Rs.239.93 crores. A total of 7607

federations at Panchayat, Block and District levels have been formed on the basis of their

functional compatibility. In terms of credit and savings, the mission has been able to provide

credit to about 90% of WSHGs located in almost every village of Orissa and the banks have

provided a credit of Rs.1294.44 crores. It is worth mentioning here that 48,332 WSHGs could go

for a repeat finance to the tune of 231.38 crores.

WSHGs Bank Day: In banking sector of Orissa every Tuesday has been declared as WSHG day

adding impetus to this unique movement. More than Rs.52,00,00,000/- has been given as one

time financial aid to about 2.54 lakh WSHGs through Govt. of India’s self-employment Scheme

viz.,“Swarna Jayanti Gram Swarojgar Yojana”.

The status (2008-09)of Mission Shakti in a nutshell

No. of WSHGs formed 3,72,748 (as per SLBC)

No. of members 44,72,976

Credit advanced Rs. 1,29,444.11 lakhs

0

100000

200000

300000

400000

2005-06 2006-07 2007-08 2008-09

184153

248689

331275 367029

76042 88214

265120 275270

Mission Shakti Group Status-from 2005-06 to 2008-09

No. of Group formed No. of WSHGs Credit linked

Page 10: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

Amount of savings Rs. 23,993.50 lakhs

No. of WSHGs credit linked 4,13,656

Federations of WSHGs formed 7593

No. of SHG availed repeat finance 67,659

Amount of repeat finance Rs. 46,044.15 lakhs

Livelihood Management through WSHG Participation:

Mission Shakti has multi prong approaches to financial inclusion of all the families and in

particular women. To ensure this and to run with the time efficient and meaningful trend building

was another approach. Thus educating children, reducing drop outs, ensuring children and parents

participation in literacy building, preparing children to be responsible for future progress; there

has been several Govt and NGO initiatives. Women SHGs have very actively participating in

those programmes which have been proved to be very much beneficial to the children, parents,

families and villages. Thus livelihood sector in villages are directly or indirectly influenced for

this reason too. Women are now confident of food availability to their children and now not

worried for that. Therefore they are at least able to either go for work without stress or they feel

free from this expenditure which is spent on either cloth or health of family or in emergencies.

The over all impact is directly on the livelihood and family income.

050000

100000150000200000250000300000

2005-06 2006-07 2007-08 2008-09

76042 88214

265120 275270

25748.95 31316

119609.09 126917.08

Mission Shakti -Credit Link Amount status2005-06 to 2008-09

No. of WSHGs Credit linked Amount of credit advanced

Page 11: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

To ensure cent percent literacy, Govt. of India launched free Mid Day Meal (MDM) scheme to

attract the unprivileged and underfed pupil to the primary schools. The lackadaisical progress was

owing to pilferage and lack of accountability by the food vendors. Thus Govt. of Orissa took the

exemplary and innovative move of tagging WSHGs for providing MDM in 39,229 primary

schools, with increased success and transparency. This has made tremendous progress in

decreasing dropout rate in primary education and ensured attendance of students too. Yhis has

tremendous impact on reducing child labour number. The health and nutrition issues are also

managed to a better extent than earlier arrangements. It was also found in various occasions that

families are now investing in girls education too. These SHGs could make a visible impact on

education administration, regular monitoring of children and their learning behaviour, vigilant

inclusion of nutritious and healthy food substances, direct involvement and sharing of

information on school administration among themselves and family members etc are the major

outcomes of the intervention. This also increased the inclusion of SHGs produced food materials.

Thus there is a reduction of transport cost towards availing food grains and required materials for

MDM programme.

This programme could involve women in education process and added value to their social status

too. They are now aware of value and importance of higher education and better skill

development. It generates interest among them to participate in other institutions of village where

they have a role of decision making and showcase their contribution in development process. In

most of the cases these WSHGs have very active role in Village Education Committee too.

Regular monitoring of education institutions and their performance has been mostly ensured

because of the leadership of those WSHGs. Now women responsible for this programme are

equally responsible, alert and active as men in those locations in the health and education sector.

Thus awareness on importance of education, establishing social presence of women, ensuring the

facilities meant for children in healthy and corruption free manner are the major outcomes of the

intervention. Several cases are there where dropout girls could complete matriculation and went

into higher education and excelled in their performances. This is the best indicator of the success

made by WSHGs under MDM.

Yet another example of successful Public Private Partnership in the field of Public Distribution

System (PDS) is handing over of retailing of Kerosene to 7293 WSHGs in Orissa, to ensure clean

and timely public distribution. This reduced corruptive practices and increased the efficiency and

efficacy of the system to a significant extent. It has brought down corruption and increased self

confidence of women in villages. Once suppressed women could get strong arena to manage and

Page 12: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

sustain the business activities involve in the process. Simultaneously, they ensured regular

corruption free transparent system of making PDS good available to the people at grassroots

level. In some cases they have ensured PDS goods available to the destitute women too those who

have low purchasing capacity. They have ensured social security entitlements through lobbying

and pressure creation on local administration and supported destitute underserved women in their

locality. PDS operation could help them to understand and realize the socio-economic condition

of the local people. It enhanced their sensitivity and responsiveness towards poverty reduction

process. The beauty of humanity has been well expressed through their collective approaches in

many cases across the time during their operations. This has spirited them to catch hold of

corrupted stakeholders in the chain of operation thus reduced the ill effect of adulteration and

artificial scarcity of PDS stuff.

Under “Shakti Gram Programme” 2137 WSHGs are currently engaged in distribution of LPG

gas. SHGs involve in this programme made it corruption free, regular and transparent in nature. It

is not only generating revenue but also established strong social capital which has gained trust of

mass.

In agriculture and allied sector, 6291 Panchayat Ponds have been leased out to the WSHGs for

Pisciculture. That apart, the indigenous organic Kandhamal Turmeric has earned international

acclaim for its quality, which is managed by WSHGs of that District.

More than 1200 Young women have been trained as Shakti Sahayika those who are suppose to

work as business development service provider for both SHGs and their federations. They are

trained on SHG formation, Federation Formation, Micro finance, Livelihood enhancement,

women issues, legal and administrative entitlement, RTI, Food and nutrition, Govt policies,

Entrepreneurship building, Business development, credit management, Financial literacy and so

on. They have been engaged by SHGs and their Federations at village and block level to manage

the records of SHGs, design the business proposals, network with primary producers, processing

SHGs, and market, They are monitoring the development, linking credits from financial and non

financial institutions and making efforts to impact on existing and new livelihood ventures.

Page 13: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

State Level Involvement of SC & ST WSHGs in Different Economic Activities

Sl Economic Activities

No. of

WSHGs

Involved

% of

WSHGs

Involved

No. of SC

WSHGs

Involved

% of SC

WSHGs

Involved

No. of

ST

WSHGs

Involved

% of ST

WSHGs

Involved

No. of SC

+ ST

Comosite

WSHGs

Involved

% of SC + ST

ComositeWSHGs

Involved

1 Agriculture & Allied Activities 70476 39.33 6341 9 11650 17 2805 4

2 Beauty Parlors 346 0.19 51 15 77 22 17 5

3 Cow & Buffalo 2260 1.26 257 11 180 8 68 3

4 Dry Fish Business 1027 0.57 339 33 64 6 35 3

5 Flori Culture 136 0.08 22 16 12 9 3 2

6 Food Processing 5116 2.86 407 8 423 8 96 2

7 Goatary 9847 5.50 1588 16 1832 19 382 4

8 Handloom & Handicraft 4015 2.24 585 15 549 14 176 4

9 Horticulture 1207 0.67 119 10 157 13 47 4

10 Involvement in Govt. Schemes 6155 3.44 476 8 1264 21 278 5

11 Minor Forest Product 7671 4.28 501 7 2583 34 424 6

12 Miscellaneous 24023 13.41 2011 8 4755 20 1103 5

Page 14: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

13 Nursery 143 0.08 9 6 22 15 10 7

14 Pesticide & Fertilizer Business 220 0.12 27 12 19 9 10 5

15 Piggery 262 0.15 61 23 73 28 14 5

16 Pisci-culture 3064 1.71 362 12 332 11 86 3

17 Poultry 3045 1.70 332 11 236 8 83 3

18 Preparation of Edible Item 3377 1.88 256 8 144 4 55 2

19 Preparation of Fishing Net 716 0.40 98 14 37 5 12 2

20 Preparation of Sanitary Item 278 0.16 37 13 34 12 12 4

21 Seri Culture 29 0.02 4 14

22 Small Business 31978 17.85 3377 11 5478 17 1376 4

23 Small Contractory Business 1479 0.83 157 11 225 15 59 4

24 Tailoring 1274 0.71 98 8 46 4 14 1

25 Weaving 1040 0.58 185 18 50 5 22 2

Page 15: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

The cause of health, hygiene and sanitation has been championed in the state by 654 WSHGs, who

have been instrumental in making Total Sanitation Movement a great success. Moreover, WSHGs are

actively involved in sensitising and supporting pregnant mothers for institutional delivery. As a result

the IMR (Infant Mortality Rate) in Orissa has come down from 98 to 71 per thousand, in a consistent

rate. Now across the state, household sanitation became the matter of dignity and good health. In

remote villages of state there has been effort by WSHGs to ensure construction of independent

household latrines for family use.

Pallishree and Gramashree Mela, the village fairs, are being organized in a collaborative approach by

the Federations, Govt. Agencies & NGOs at district, state and national level to facilitate marketing of

the WSHG products. [Only recently, Martha Bhuyan, a 23 year old tribal woman from Sindhia village

of Gajapati district, returned home with Rs.10,000/- from the fair by selling turmeric powder, jaggery

and dal]. The WSHGs in the tribal dominated districts have been supplying lentil (Kandula) for use in

Mid Day Meals.

As regards to information, technology and education, Mission Shakti has been publishing Shaktirupa,

a quarterly journal in order to create awareness of various activities of this mission amongst the

public. Discussions are being aired on various issues of women empowerment in form of Shaktirupa,

a serial both in Television and Radio.

For capacity building of the members of the WSHGs multi-faceted training programmes are being

regularly organized at all levels keeping in view the local available resources, service delivery and

market needs.

30

60

130

20 218

32

720 15

2115

6

22 2212

105

1522

10

34

0

20

40

60

80

100

120

140

SH

Gs IN

VO

LV

ED

DISTRICTS

TOTAL SANITATION CAMPAIGN SHGs involved

Page 16: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

MISSION SHAKTI – Few Initiatives:

Mission Shakti has appointed a Mission Shakti coordinator in each block of the State and established

a capacity building unit at the State in Consultants Cell. Further, training camps are held for

development of entrepreneurship among SHGs and their Federations. Incentives are provided to

federations for establishment of mini banks for dealing with micro finance.

In future, such ideas can be replicated in the field of agriculture and allied, healthcare, sanitation

management and education. For effective management in these sectors lie in strong public private

partnership (PPP). The reducing revenue collection has almost blocked the way for the State Govt. for

implementing free public service and poverty alleviation programmes. Thus, it is high time that the

WSHGs can effectively take-up developmental activities at grass root level in collaboration with the

State Govt. in the aforesaid sectors.

MISSION SHAKTI – THE POWER OF WOMEN

The unique and innovative concept of Citizen Engagement and Service Delivery blended with

Women Empowerment showcased the best results of effective public private partnership in managing

public sector services such as public distribution system, provision of Mid-Day-Meal in Primary

Schools, infusion of habit of savings in citizen, best utilization of available natural resources through

development of entrepreneurial skills etc.

The idea was to reduce corruption, increase accountability, render better quality service, reduction of

pilferage and increment in transparency in public service sectors through enhanced citizen’s role,

involvement and participation. The idea was translated into reality through WSHGs.

MISSION SHAKTI – THE CALL OF THE DAY

The impetus of the innovation was to empower women for maximal utilization of idle human

resources for socio-economic growth among the poor and deprived. This was the need of the hour to

bring back the women folk into main stream. Since women were the worst sufferers of gender bias,

male dominance, child marriage, under education and non-encumbrance of parental property. Mission

Shakti could make the women independent for decision making and ensure their social prestige

through economic resurgence.

MISSION SHAKTI – BEST FIT FOR PUBLIC/CORPORATE SERVICE DELIVERY

The technology was inaccessible due to paucity of funds at individual level and as such, production

was least, chances of marketing remote. With available finance, technology would be translated into

quality production and higher group production attracted traders across local and national level

markets which could pay back better dividends against earlier once to the concerned individuals for

the labour they invested.

Page 17: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

The dark age of women shall pass into history since Mission Shakti could bring luminescence to

millions of women through their empowerment. For we believe that women once empowered can

never be degraded again.

A Brief Overview of formation of WSHGs from 2001 to 2008

SN Name of the

District

2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 Total

1 Angul 775 775 775 930 1085 930 930 6200

2 Balasore 1375 1375 1375 1650 1925 1650 1650 11000

3 Baragarh 925 925 925 1110 1295 1110 1110 7400

4 Bhadrak 900 900 900 1090 1260 1080 1080 7200

5 Bolangir 900 900 900 1090 1260 1080 1080 7200

6 Boudh 250 250 250 300 350 300 300 2000

7 Cuttack 1600 1600 1600 1920 2240 1920 1920 12800

8 Deogarh 200 200 200 240 280 240 240 1600

9 Dhenkanal 725 725 725 870 1015 870 870 5800

10 Gajapati 350 350 350 420 490 420 420 2800

11 Ganjam 2100 2100 2100 2520 2940 2520 2520 16800

12 Jagatsinghpur 725 725 725 870 1015 870 870 5800

13 Jajpur 1100 1100 1100 1320 1540 1320 1320 8800

14 Jharsuguda 350 350 350 420 490 420 420 2800

15 Kalahandi 900 900 900 1080 1260 1080 1080 7200

16 Kandhamal 450 450 450 540 630 540 540 3600

17 Kendrapara 875 875 875 1050 1225 1050 1050 7000

18 Keonjhar 1075 1075 1075 1290 1505 1290 1290 8600

19 Khurda 1275 1275 1275 1530 1785 1530 1530 10200

20 Koraput 800 800 800 960 1120 960 960 6400

21 Malkangiri 325 325 325 390 455 390 390 2600

22 Mayurbhanj 1525 1525 1525 1830 2135 1830 1830 12200

Page 18: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

23 Nawarangpur 700 700 700 840 980 840 840 5600

24 Nayagarh 600 600 600 720 840 720 720 4800

25 Nuapada 375 375 375 450 525 450 450 3000

26 Puri 1025 1025 1025 1230 1435 1230 1230 8200

27 Rayagada 550 550 550 660 770 660 660 4400

28 Sambalpur 625 625 625 750 875 750 750 5000

29 Sonepur 375 375 375 450 525 450 450 3000

30 Sundargarh 1250 1250 1250 1500 1750 1500 1500 10000

Total : 25000 25000 25000 30000 35000 30000 30000 200000

State Level SC/ST WSHGs Status

District

Total no.

of

WSHGs

No. of SC

WSHGs

% of SC

WSHGs

No. of

ST

WSHGs

% of ST

WSHGs

No. of

SC+ST

Composite

WSHGs

% of SC +

ST

Composite

WSHGs

Angul 10254 1109 11 727 7 253 2

Balasore 12771 1338 10 535 4 177 1

Bargarh 8484 943 11 435 5 349 4

Bhadrak 6218 891 14 28 0.45 19 0.3

Bolangir 9169 1104 12 1071 12 276 3

Boudh 2463 315 13 115 5 50 2

Cuttack 12435 1730 14 238 2 81 1

Deogarh 2332 194 8 397 17 78 3

Dhenkanal 9363 1232 13 907 10 192 2

Jagatsinghpur 6415 674 11 2 0.03 16 0.2

Jajpur 6738 942 14 262 4 63 1

Jharsuguda 3190 309 10 445 14 248 8

Kalahandi 9260 1238 13 1588 17 378 4

Kandhamal 5297 774 15 1822 34 757 14

Kendrapara 8286 975 12 55 1 55 1

Page 19: Experiencing Financial Inclusion in Mission Shakti, Odisha · Experiencing Financial Inclusion in Mission Shakti, Odisha Bibhu Prasad Mohanty ... Orissa Govt has been supporting the

Keonjhar 8837 513 6 2022 23 493 6

Khurda 9406 1057 11 318 3 51 1

Koraput 6731 745 11 1997 30 601 9

Malkangiri 4415 575 13 1711 39 202 5

Mayurbhanj 18808 559 3 6584 35 835 4

Nayagarh 5521 508 9 330 6 51 1

Nowarangpur 5772 609 11 2396 42 483 8

Nuapada 4819 381 8 858 18 210 4

Rayagada 6391 719 11 2390 37 209 3

Sambalpur 6859 586 9 1309 19 553 8

Sonepur 3951 680 17 142 4 86 2

Sundargarh 13495 461 3 5093 38 1172 9

Total 207680 21161 10 33777 16 7938 4