annual report - rmk.nic.inrmk.nic.in/sites/default/files/ar-2010-20110001.pdf ·
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ANNUAL REPORT 2010-11
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Annual Report Rashtriya Mahila Kosh
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C O N T E N T S
SI No. Particulars Page No.
In tro d u c tio n ................................................................................. 1
1. Y ear a t G la n c e , H ig h l ig h ts ............................................................................................................... 2
2 . M a n a g e m e n t .......................................................................................................................................... 3-5
3. L o a n S c h e m e s o f R M K ................................................................................................................... 6 -7
4. S p e c ia l C o n c e s s io n s in th e N o r th E a s t R e g i o n ..................................................................... 8
5. O p e r a t io n s ............................................................................................................................................... 9
6 . S c h e m e w is e A c h ie v e m e n ts ........................................................................................................... 10 -12
7. R e g io n a l O u t r e a c h ............................................................................................................................... 13
8. M a jo r A c t iv i t i e s ................................................................................................ 14-15
9. S o m e S u c c e ss S t o r i e s ....................................................................................................................... 16 -17
10. F in a n c ia l W o r k in g .............................................................................................................................. 18 -37
11. N a m e o f N G O s F in a n c e d d u r in g th e y e a r 2 0 1 0 -1 1 ............................................................. 3 8 -3 9
Annexures :
T ra in in g P ro g ra m m e s - A n n e x u re - 1 ................................................................................................................... 4 0
L is t o f F ra n c h ise e s - A n n e x u r e - I I .......................................................................................................................... 41
L is t o f R e so u rc e C e n t r e - A n n e x u r e - I I I ............................................................................................................... 4 2 -4 3
vfht (w c rs v c m )
f^o# -110 0 0 1MINISTER OF STATE (INDEPENDENT CHARGE)MINISTRY OF WOMEN & CHILD DEVELOPMENT
GOVERNMENT OF INDIA NEW DELHI-110001
srftefT ^ WIcT fuehrer
ifRcT 7TW R
F O R E W O R D
I take great pleasure in presenting the Annual Report of Rashtriya Mahila Kosh (RMK) for the financial year 2010-11. RMK was set up in 1993 as an apex Micro-financing Organization of Government of India under the Ministry of Women and Child Development(MWCD).
RMK has successfully completed 18 years of working for the socio-economic empowerment of women. It has made cumulative sanctions and disbursements amounting to Rs.30,752 lakh and Rs. 25,182 lakh respectively, benefiting 6,87,512 poor women. The microfinance has been channelized through 1464 Intermediary Microfinancing Organisation (IMOs) which are working at grass-root level for women welfare across the country. RMK is providing microfinance to poor women, at most reasonable rates of interest. Besides, RMK organizes Awareness Generation and Capacity Building Programmes including Vatsalya Mela at Delhi Haat for sale-cum exhibition of SHG products. RMK role has been appreciated at various levels including the Hon'ble President of India
In pursuance of the recommendations of the Committee of Governors (COG) set up by the Hon'ble President of India, the Finance Minister made the following announcement in Union Budget 2009-10 :
'Rashtriya Mahila Kosh has been working towards the facilitation o f credit support or micro-finance to poor women and has developed a number o f innovative schemes for their benefit. In recognition o f its role as an instrument o f socio-economic change and development, the Corpus o f the Kosh, which at present is Rs. 100 crore, would be raised to Rs. 500 crore over the next few years'.
W ing, S h a s tri B havan , Dr. R a je n d ra P ra sa d R oad, N ew D e lh i-1 10 001 , T e l. : 2 3 0 7 4 0 5 2 -5 4 , Fax : 2 3 3 8 7 3 8 4
-2 -
The Governing Board of RMK in its 45th meeting held on 23.2.2010 approved strengthening and restructuring of RMK from the single office Society to Government owned Non-Banking Finance Company (NBFC) under section 617 of the Companies Act with pan- India office network and need based capital and infrastructure. The EFC Memorandum for seeking approval for sanction of financial assistance to implement the decision is under active consideration of the Government of India.
On restructuring as NBFC, RMK will expand and grow at faster rate and deepen its outreach to serve more effectively the poor women, especially the marginalized sections of the society including the SC/STs, OBCs and Minorities etc.
In this endeavor, I seek co-operation of all the stakesholders for the socio-economic development of women in India.
(Krishna Tirath)New Delhi
IN TR O D U C TIO N
R a s h tr iy a M a h ila K o s h (R M K ) o r N a tio n a l C re d it F u n d fo r W o m e n w a s e s ta b lis h e d b y th e
G o v e rn m e n t o f In d ia in M a rc h , 1993 u n d e r th e S o c ie tie s R e g is tra tio n A c t 1 8 6 0 to a c t a s a n a p e x m ic ro c re d it
o rg a n is a tio n o f th e G o v e rn m e n t to g iv e m ic ro - lo a n s to th e p o o r w o m e n in th e u n o rg a n is e d s e c to r fo r th e ir
so c io -e c o n o m ic d e v e lo p m e n t. R M K fo llo w s a q u a s i- fo rm a l c re d it d e liv e ry m e c h a n is m , w h ic h is c lie n t
f r ie n d ly , in v o lv e s s im p le a n d m in im a l p ro c e d u re , lo w tra n s a c tio n c o s t, a n d lin k th r i f t a n d sa v in g s w ith
c re d it. R M K p ro v id e s m ic ro -f in a n c e s e rv ic e s w ith o u t c o lla te ra l fo r l iv e lih o o d a n d in c o m e g e n e ra tio n
a c tiv it ie s , m ic ro e n te rp r is e s , h o u s in g e tc .
2 . R M K e x te n d s lo a n s to n o n -g o v e rn m e n t o rg a n iz a tio n s (N G O s) a n d v o lu n ta ry a g e n c ie s (V A s) w h o o n
le n d to g ro u p o f in d iv id u a l b e n e fic ia r ie s (S H G s) o f p o o r w o m e n . O rg a n iz a tio n s lik e W o m e n
D e v e lo p m e n t C o rp o ra tio n s , W o m e n C o o p e ra tiv e s , a n d W o m e n W e lfa re B o a rd s /A g e n c ie s , n o t fo r
p ro f i t C o m p a n ie s re g is te re d u /s 25 o f th e C o m p a n ie s A c t a n d su c h o th e r a g e n c ie s e n g a g e d in th e
s o c io -e c o n o m ic d e v e lo p m e n t o f w o m e n a t th e g ra ss ro o t le v e l a re a lso e lig ib le fo r R M K lo an s . R M K
a c tiv it ie s c o v e r b o th ru ra l a s w e ll a s u rb a n w o m e n o f th e co u n try .
3 . T h e R M K M o d e l, (R M K - N G O s - S H G s B e n e f ic ia r ie s ) h a s w o rk e d s u c c e s s fu lly fo r o rg a n iz in g
ru ra l /u rb a n p o o r w o m e n in g ro u p s a n d p ro m o tin g sa v in g s a n d th r if t h a b its w h ic h e n a b le th e m to
a c c e s s in s t i tu t io n a l c re d it fo r th e ir so c io -e c o n o m ic e m p o w e rm e n t. R M K h a s a p p o in te d N o d a l
A g e n c ie s fo r c re d it e x p a n s io n a n d b u s in e s s a w a re n e s s a m o n g n e w a n d s m a lle r p o te n tia l N G O s . A p a r t
f ro m N o d a l A g e n c y S c h e m e , it o p e ra te s Franchisee Scheme u n d e r w h ic h R M K e x te n d s f in a n c e to w e ll e s ta b lis h e d m ic ro f in a n c e o rg a n is a tio n s w h o in tu rn o n le n d to sm a lle r N G O s o f th e S ta te /D is tr ic t
a s p e r the te rm s a n d c o n d it io n s a s p re s c r ib e d by R M K . T h e m ic ro f in a n c e o f R M K th ro u g h
N G O s /IM O s /S H G s is th e m o s t su c c e s s fu l m o d e l w h e re th e r e c o v e ry ra te h a s b e e n c o n s is te n tly m o re
th a n 9 0 % fo r s e v e ra l p a s t y e a rs .
4 . A sp e c ia l c re d it p a c k a g e to e n a b le th e p o o r w o m e n in the N o r th -E a s te rn R e g io n (N E R ) to a c c e s s c re d it
f ro m R M K h a s b e e n o p e ra t io n a lis e d . R M K o rg a n ise s A w a re n e ss c u m C a p a c ity B u ild in g P ro g ra m m e s
to n u r tu re th e a s s is te d in te rm e d ia ry m ic ro f in a n c in g o rg a n is a tio n ( IM O s ) to tra in th e ir f ie ld
fu n c tio n a r ie s , S H G L e a d e rs , a c c o u n ts M a n a g e rs a n d W o m e n B e n e f ic ia r ie s . C re d it P e rso n s a n d g ra s s
ro o t le v e l b e n e fic ia r ie s . T h e s e c a p a c ity b u ild in g p ro g ra m m e s a re o rg a n is e d a t v a r io u s re g io n a l c e n tre s
o f N IP C C D s itu a te d a c ro s s th e c o u n try . R e so u rc e C e n tre S c h e m e (R C S ) is a n o th e r in it ia tiv e by R M K .
U n d e r (R C S ), R M K id e n tif ie s re p u te d G o v e rn m e n t O rg a n iz a tio n s / N G O s / R e s e a rc h In s t i tu t io n s /
U n iv e rs i t ie s / A c a d e m ic In s t i tu t io n s h a v in g a d e q u a te in f ra s tru c tu re to e x te n d th e ir se rv ic e s fo r
sp e c if ic tra d e & v o c a tio n a l tra in in g s a n d sk ill d e v e lo p m e n t o f th e S H G m e m b e rs / g ro u p le a d e rs a n d
im p le m e n tin g ag e n c ie s . S o fa r R M K h a s a p p ro v e d 14 in s ti tu tio n s a s R e s o u rc e C e n tre s .
1
YEAR AT A GLANCE - HIGHLIGHTS
1.1 T h e y e a r 2 0 1 0 -1 1 w a s th e 1 8 th y e a r o f o p e ra t io n o f R a s h tr iy a M a h ila K o sh . In th is yea r, 22 n e w N o n -
G o v e rn m e n ta l O rg a n iz a tio n s jo in e d R M K as p a rtn e rs . T h e to ta l n u m b e r o f R M K m e m b e rs h a s
r e a c h e d 1 ,4 6 4 b y th e e n d o f th e year.
1.2 D u r in g th e y e a r 2 0 1 0 -2 0 1 1 , c re d it a m o u n tin g to ? 1 2 .7 8 c ro re w e re s a n c tio n e d , b e n e f i t in g 13 ,3 6 2
w o m e n b e n e f ic ia r ie s . O u t o f th is , a n a m o u n t o f ? 12 .49 c ro re w a s a c tu a lly d isb u rs e d . T h e c u m u la tiv e
s a n c tio n s a n d d is b u rs e m e n ts a t th e e n d o f th e y e a r w e re ? 3 0 ,7 5 2 la k h s a n d ? 2 5 ,1 8 2 lak h s
re s p e c tiv e ly , b e n e f i t in g 6 ,8 7 ,5 1 2 p o o r w o m e n b e n e fic ia r ie s .
1.3 T h e g ro s s in c o m e o f R a s h t r iy a M a h ila K o sh d u r in g th e y e a r 2 0 1 0 -1 1 w a s ? 1 3 1 8 .5 9 lak h . T h e re w a s
a n e x c e s s o f in c o m e o v e r e x p e n d itu re o f ? 1 0 4 7 .7 4 la k h a s c o m p a re d to ? 9 5 5 .6 7 la k h in th e p re v io u s
y ea r.
1 .4 A lth o u g h th e r e c o v e ry ra te o f R M K lo an s h a s b e e n e n c o u ra g in g , e v e n th e n th e re h a v e b e e n so m e
p a r tn e rs N G O s w h o fa i le d to p a y th e in s ta lm e n ts in tim e . R M K h a s ta k e n a p o lic y d e c is io n to in itia te
le g a l a c t io n b y f i l l in g c iv i l s u its , c r im in a l c o m p la in ts (u n d e r S e c tio n 138 o f N e g o tia b le In s tru m e n ts
A c t, e tc .) a g a in s t s u c h d e fa u l te r N G O s a n d a lso b la c k lis t in g th em . A s a r e s u l t th e re o f, R M K c o u ld
re c o v e r ? 1 6 4 .9 2 la k h s o u t o f th e o v e rd u e lo an s .
1.5 B a s e d o n th e re c o m m e n d a tio n s o f th e C o m m itte e o f G o v e rn o rs (C O G ) c o n s ti tu te d b y th e H o n 'b le
P re s id e n t o f In d ia a n d th e F in a n c e M in is te r 's a n n o u n c e m e n t in U n io n B u d g e t 2 0 0 9 -1 0 a n d as
s u g g e s te d b y th e S u b - G ro u p c o n s ti tu te d b y M in is try o f W o m e n a n d C h ild D e v e lo p m e n t, th e
G o v e rn in g B o a rd o f R M K a p p ro v e d s tre n g th e n in g a n d r e s tru c tu r in g o f R M K f ro m th e e x is t in g s in g le
o f f ic e S o c ie ty to Government owned Non-Deposit Taking Systemically Important Non-Banking Finance Company (NBFC-ND-SI) u n d e r se c tio n 6 1 7 o f th e C o m p a n ie s A c t a n d d ire c te d R M K to ta k e n e c e s s a ry s te p s in th is re g a rd . F o r th is p u rp o se , a n in d e p e n d e n t c o n s u lta n t w a s e n g a g e d to
p re p a re a D e ta ile d P ro je c t R e p o r t (D P R ) fo r p re s e n tin g a ro a d m a p c o m p r is in g a b u s in e s s m o d e l fo r
R M K w ith a n o b je c t iv e o f m a k in g it a s e lf -s u s ta in in g o rg a n iz a tio n . T h e C o n s u lta n t u n d e r to o k a 'G a p
A n a ly s is ' b e tw e e n th e c u rre n t s e tu p a n d th e e n v is a g e d m o d e l fo r th e R M K . T h e re a f te r , it su b m itte d
'H ig h le v e l re c o m m e n d a tio n s a b o u t R e s tru c tu r in g ' b a s e d o n its s tu d y , in te r a lia , o f m ic ro f in a n c e
s c e n a r io , im p o r ta n t s ta k e h o ld e r s a n d p la y e rs a t n a tio n a l a n d in te rn a tio n a l lev e l a n d fe e d b a c k f ro m th e
e x is t in g N G O p a r tn e r s o f R M K . U ltim a te ly , D e ta ile d P ro je c t R e p o r t (D P R ) su b m itte d b y th e
C o n s u lta n t w a s p la c e d b e fo re th e G o v e rn in g B o a rd (G B ) o f R M K in its 4 6 lh m e e t in g h e ld in M a rc h
2 0 1 1 . T h e G B c o n s id e re d th e re p o r t a n d d e c id e d i) to m a k e re c o m m e n d a tio n to M W C D fo r s e e k in g
G O I a p p ro v a l to c o n v e r t th e K o s h f ro m e x is t in g S o c ie ty in to N B F C as p e r th e D P R ; a n d ii) to a p p ro v e
'in p r in c ip le ' th e p ro p o s e d m u lt i- la y e re d o rg a n iz a tio n a l s tru c tu re . B o a rd o f D ire c to rs , R e g io n a l
O ff ic e s e tc . I t w a s a lso a p p ro v e d th a t th e K o s h w ill c o n tin u e to d o b u s in e s s in th e c u rre n t fo rm till the
N B F C s ta r ts fu n c tio n in g . I t fu r th e r d ire c te d th a t a C o m m itte e b e se t u p u n d e r th e C h a irp e rs o n sh ip o f
A d d it io n a l S e c re ta ry , W C D fo r ta k in g th e fo llo w u p a c tio n .
MANAGEMENT
2.1 Chairperson
H o n b le S m t. K r is h n a T ira th . M in is te r o f S ta te ( In d e p e n d e n t C h a rg e ) fo r W o m e n & C h ild
D e v e lo p m e n t, c o n tin u e d a s C h a irp e rs o n o f R M K d u r in g th e y e a r 2 0 1 0 -2 0 1 1 .
2.2 Executive Director
D r.V iv e k Jo s h i, J o in t S e c re ta ry , M in is try o f W o m e n a n d C h ild D e v e lo p m e n t h e ld a d d itio n a l c h a rg e o f
E x e c u tiv e D ire c to r , R M K d u r in g th e c u rre n t y e a r 2 0 1 0 -1 1 .
2.3 Board Meetings
T h e 4 6 th m e e t in g o f th e G o v e rn in g B o a rd o f R M K w a s h e ld o n 1 8 .3 .2 0 1 1 .
2.4 Annual General Meeting
T h e X V II A n n u a l G e n e ra l M e e tin g o f R M K w a s c o n v e n e d o n 1 8 .3 .2011 in N e w D e lh i. N G O
re p re s e n ta tiv e s o f R M K in c lu d in g G o v e rn in g B o a rd m e m b e rs a tte n d e d th e m e e tin g . T h e A G M
a d o p te d th e A n n u a l R e p o r t a n d A u d ite d A c c o u n ts o f R M K fo r th e y e a r 2 0 0 9 -1 0 .
2.5 Loan Committee Meetings
T h e 7 2 , 73 a n d 74 L o a n C o m m itte e M e e tin g s w e re h e ld o n 1 5 .7 .2 0 1 0 , 1 .1 2 .2 0 1 0 a n d 12 .1 .2011
re s p e c tiv e ly to c o n s id e r a n d s a n c tio n lo a n a p p lic a tio n s o f N G O s a n d o th e r e lig ib le o rg an isa tio n s .
2.6 Monitoring
R M K c o n d u c ts r e g u la r m o n ito r in g o f lo an s s a n c tio n e d a n d d isb u rs e d to a sc e r ta in th e p ro p e r
u t i l iz a tio n o f lo a n s a t th e g ra s s ro o t le v e l a f te r d isb u rs e m e n t o f th e f irs t in s ta lm e n t o f th e sa n c tio n e d
a m o u n t. T h e s e s tu d ie s a re c o n d u c te d b y o ff ic e rs f ro m R M K a n d o th e r e x p e r ie n c e d a n d p ro fe s s io n a l
in s t i tu t io n s l ik e A g r ic u ltu ra l F in a n c e C o rp o ra tio n L td . (A F C L ), R a s h tr iy a G ra m in V ik a s N id h i
(R G V N ) w h ic h a re w e ll v e rs e d in m ic ro c re d it a n d se lf -h e lp g ro u p a c tiv it ie s . B e s id e s , v e r if ic a tio n o f
th e u t il iz a tio n o f lo a n a m o u n t, th e m o n ito rs a lso g u id e s th e b o r ro w in g N o n -G o v e rn m e n t
O rg a n is a t io n s to w a rd s b e tte r im p le m e n ta t io n o f th e sc h em e .
2.7 Administrative Set Up
A G o v e rn in g B o a rd (G B ) c o n s is ts o f 16 m e m b e rs re p re s e n tin g v a r io u s C e n tra l M in is tr ie s /
D e p a r tm e n ts , S ta te G o v e rn m e n ts , s p e c ia lis ts a n d re p re s e n ta tiv e s o f o rg a n iz a tio n s a c tiv e in th e f ie ld
o f m ic ro c re d it. T h e G B o f R M K h a s b e e n p a r tly re c o n s titu te d d u r in g th e yea r. T h e M in is te r o f S ta te
fo r W o m e n a n d C h ild D e v e lo p m e n t ( In d e p e n d e n t C h a rg e ) is th e C h a irp e r s o n o f th e G o v e rn in g B o a rd
a n d th e E x e c u tiv e D ire c to r . R M K a c ts as M e m b e r S ec re ta ry . R M K m e e ts a ll its a d m in is tra tiv e a n d
e s ta b lis h m e n t e x p e n d itu re f ro m in te rn a l re so u rc e s .
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2 .8 Objectives
R M K e x te n d s m ic ro -c re d i t to th e n e e d y a n d p o o r w o m e n in th e in fo rm a l s e c to r th ro u g h a c lie n t
f rie n d ly , w ith o u t c o lla te ra l a n d in a h a s s le -f re e m a n n e r fo r l iv e lih o o d a c tiv it ie s , h o u s in g , m ic ro
e n te rp r is e s , fa m ily n e e d s , e tc . R M K h a s ta k e n a n u m b e r o f p ro m o tio n a l m e a s u re s to p o p u la r iz e th e
c o n c e p t o f m ic ro f in a n c in g , th r if t a n d c re d it, fo rm a tio n a n d s ta b iliz a t io n o f S H G s a n d a lso e n te rp r is e
d e v e lo p m e n t fo r p o o r w o m e n th ro u g h in te rm e d ia ry o rg a n iz a tio n s w o rk in g a t g ra s s ro o t lev e l su c h as
N o n - g o v e rn m e n ta l o rg a n iz a tio n s . W o m en F e d e ra tio n s , C o -o p e ra tiv e s , U rb a n W o m e n C o o p e ra tiv e
B a n k s , G o v e rn m e n t A u to n o m o u s B o d ie s , n o t fo r p ro f i t - S e c tio n 25 c o m p a n ie s re g is te re d u n d e r
C o m p a n ie s A c t, a n d a ll o th e r V o lu n ta ry / C iv il S o c ie ty O rg a n iz a tio n s e tc .
2.9 Credit-Delivery Mechanism
C re d it is d isb u rs e d to th e p o o r w o m e n S H G s b o th ru ra l a n d u rb a n th ro u g h in te rm e d ia ry o rg a n iz a tio n s
lik e N G O s , C o -o p e ra tiv e so c ie t ie s , G o v e rn m e n t a u to n o m o u s o rg a n iz a tio n s , n o t- fo r-p ro f i t S e c tio n 25
C o m p a n ie s , S ta te W o m e n D e v e lo p m e n t C o rp o ra tio n s , re g is te re d b o d ie s a n d fe d e ra tio n s o f w o m e n
e tc . T h e re is n o c o lla te ra l .
2.10 Activities
A- Partnership
T h e p a r tn e r N G O s n e tw o rk in th e c o u n try h e lp s in c re a tin g a w a re n e s s a m o n g th e N G O s to in te g ra te
m ic ro f in a n c e a c tiv it ie s in to th e ir so c ia l s e c to r in te rv e n tio n s . R M K o rg a n iz e d A w a re n e ss c u m
C a p a c ity B u ild in g P ro g ra m m e to n u r tu re th e su p p o rt in g in te rm e d ia ry o rg a n iz a tio n s d u r in g th e
c u rre n t yea r. T ra in in g p ro g ra m m e in c lu d in g e x p o su re v is i ts o rg a n iz e d b y R M K d u r in g th e y e a r a re a t
A nnexure-I.
B - Supporting Intermediary Organizations
T h e m ic ro f in a n c e p ro g ra m m e o f th e R M K fo r th e s o c io -e c o n o m ic u p lif tm e n t o f p o o r w o m e n th ro u g h
th e S H G s is m o s t s u c c e s s fu l o n e in th e co u n try . A la rg e n u m b e r o f V o lu n ta ry O rg a n iz a tio n s ,
G o v e rn m e n t a u to n o m o u s b o d ie s , C o o p e ra tiv e S o c ie tie s e tc . a re c o m in g fo rw a rd fo r f in a n c ia l
in te rm e d ia tio n .
R M K a p a r t f ro m g iv in g m ic ro -c re d i t to th e w o m e n b e n e f ic ia r ie s a lso b u ild s c a p a c ity o f S H G s
w o m e n g ro u p s a n d p a r tn e r N G O s in m ic ro -f in a n c e a n d in c o m e g e n e ra tio n a c tiv it ie s as w e ll as to
e m p o w e r th e m to im p ro v e th e ir q u a lity o f life in to ta li ty w ith a v ie w to e n a b le th e m to tra in th e ir
fe llo w m e m b e rs a n d g ra s s ro o t le v e l b e n e fic ia r ie s . R M K b e lie v e s in w o m e n e m p o w e rm e n t th ro u g h
m ic ro f in a n c in g . T h e p a r tn e r o rg a n iz a tio n s th a t ta k e lo a n s f ro m R M K a re in s tru c te d to im p a r t lite ra c y
e d u c a tio n , h e a lth a w a re n e s s e tc . to th e w o m e n S H G m e m b e rs .
A s a p a r t o f th e d e v e lo p m e n ta l in it ia tiv e s fo r th e fu tu re g ro w th o f m ic ro f in a n c e R M K h a s la u n c h e d a
N o d a l A g e n c y S c h e m e fo r c re d i t lin k a g e s w ith n e w a n d p o te n tia l N G O s w i th a v ie w to e x p a n d its
o u tre a c h in a m o s t c o s t e f fe c tiv e m a n n e r in th e m a rg in a lly a n d u n c o v e re d a re a s o f th e co u n try . T h e
4
p e r fo rm a n c e o f th e se N o d a l A g e n c ie s is re v ie w e d fro m tim e to tim e . R M K h a s a n o th e r im p o r ta n t
s c h e m e c a lle d F r a n c h is e e . S o fa r R M K h a s a p p o in te d 3 F ra n c h is e e s . D e ta i ls a t A n n e x u r e - I I .
R M K e x te n d s b u lk f in a n c e to F ra n c h is e e s w h o in tu rn o n - le n d it to s m a lle r a n d p o te n tia l N G O s o f th e
S ta te / D is tr ic t w ith s im ila r te rm s a n d c o n d itio n s a s p re s c r ib e d b y R M K .
C- Resource Centres
R M K h a s id e n tif ie d 14 re p u te d G o v e rn m e n t O rg a n iz a tio n s / G o v e rn m e n t U n d e r ta k in g s / N G O s /
R e s e a rc h In s t i tu t io n s / A c a d e m ic In s ti tu tio n s , h a v in g a d e q u a te in f ra s tru c tu re to a v a il th e ir s e rv ic e s
fo r c a p a c ity b u ild in g , v o c a tio n a l a n d sk ill d e v e lo p m e n t, m o d e rn p ra c tic e s , te c h n o lo g y tran sfe r ,
m ic ro -e n te rp r is e d e v e lo p m e n t, e tc . to th e S H G m e m b e rs / g ro u p le a d e rs a n d IM O s fo r q u a lita tiv e
e x p a n s io n o f R M K s m ic ro -c re d it p ro g ra m m e a ll o v e r th e co u n try . T h e d e ta ils o f th e R e so u rc e
C e n tre s a re a t A n n e x u re -III .
5
Loan Schemes of RMK33. i) Loan Promotion Scheme: R M K p ro v id e s sm a lle r lo a n m a x im u m u p to ? 10 la k h to p ro m o te th e
a c tiv ity o f th r if t a n d c re d it a m o n g n e w e r a n d s m a lle r b u t p o te n t ia l ly c a p a b le o rg a n isa tio n s
h a v in g a t- le a s t s ix m o n th s e x p e r ie n c e in fo rm a tio n o f S I IG s . th r if t , c re d it a n d re c o v e ry
m a n a g e m e n t.
ii) Main Loan Scheme: IM O s h a v in g m in im u m 3 y e a rs e x p e r ie n c e in th r if t a n d c re d it a c tiv it ie s a re c o n s id e re d fo r lo a n u n d e r th e sc h e m e to a m a x im u m u p to ? ' 6 0 0 L a k h s a t a tim e .
iii) Refinance Scheme: R M K p ro v id e s 100% re f in a n c e a s s is ta n c e to M a h ila U rb a n C o -o p e ra tiv e B a n k s o n f in a n c e s p ro v id e d b y th e m to p o o r w o m e n e ith e r d ire c tly o r th ro u g h S H G s w ith in th e
n o rm s o f th e R M K M a in L o a n S c h e m e .
iv ) Repeat Loan: R e p e a t L o a n s is a lso a v a ila b le to th e o rg a n iz a tio n s , o n su c c e s s fu l u t i l iz a tio n o f f ir s t lo a n a n d th e b o r ro w in g o rg a n is a tio n h a v in g re p a id 5 0 % o f its la s t lo an .
v ) Franchisee Scheme: S m a lle r N G O s o f th e S ta te c a n a v a il lo a n d ire c tly f ro m f ra n c h ise e a p p o in te d b y R M K fo r th a t p a r t ic u la r S ta te w ith o u t s e n d in g th e ir p ro p o s a l to R M K o ffic e a t N e w
D e lh i. R M K g iv e s th e C re d it L im it u p to ? 5 0 0 la k h to th e F ra n c h is e e w h o in tu rn e x te n d to
sm a lle r & p o te n t ia l N G O s in th e S ta te .
v i) Gold Credit Scheme: T h is S c h e m e o f p ro v id in g h a s s le f re e f in a n c e h a s b e e n d e s ig n e d fo r m e d iu m a n d la rg e N G O s so a s to re v o lv e th e fu n d sa n c tio n e d b y R M K fo r 3 y e a rs . M a x im u m
c re d it lim it u n d e r th is s c h e m e is ? 5 0 0 . lak h .
v ii) Housing Loan Scheme:T h ro u g h its p a r tn e r o rg a n iz a tio n s R M K p ro v id e s lo a n s u p to a m a x im u m ? l 0 0 ,0 0 0 /- p e r b e n e f ic ia ry to S H G m e m b e rs fo r c o n s tru c tio n o f lo w c o s t h o u se a n d
re p a irs .
3.2 Eligibility Norms
i. T h e o rg a n iz a tio n a p p ly in g fo r lo a n sh o u ld h a v e b ro a d b a s e d o b je c tiv e s , s e rv in g th e so c ia l a n d
e c o n o m ic n e e d s o f th e p o o r w o m e n . I t m u s t n o t w o rk fo r p ro f it.
ii. T h e o rg a n iz a tio n sh o u ld h a v e n e c e s s a ry p ro fe s s io n a l c o m p e te n c e , b a s ic f in a n c ia l m a n a g e m e n t
c a p a b ili ty a n d o rg a n iz a tio n a l sk il ls to im p le m e n t th e le n d in g p ro g ra m m e .
iii. T h e o ffic e b e a re r s o f th e o rg a n iz a tio n sh o u ld n o t b e e le c te d re p re s e n ta t iv e s o f a n y p o lit ic a l party .
iv. T h e o rg a n iz a tio n sh o u ld h a v e p ro p e r s y s te m o f m a in ta in in g a c c o u n ts , w h ic h sh o u ld h a v e b e e n
a u d ite d a n d p u b l is h e d e v e ry y e a r a n d th e re sh o u ld n o t h a v e b e e n a n y s e r io u s ir re g u la rit ie s .
6
v. T h e o rg a n iz a tio n sh o u ld b e re g is te re d fo r m o re th an 3 y e a rs o n th e d a te o f a p p lic a t io n to R M K .
v i. T h e o rg a n iz a tio n sh o u ld h a v e e x p e rie n c e in th r if t a n d c re d it m a n a g e m e n t fo r 3 y e a rs o r m o re .
(S ix m o n th s fo r a p p ly in g u n d e r th e L o a n P ro m o tio n S ch e m e ).
v ii. T h e a p p lic a t io n sh o u ld c le a r ly re f le c t th e so u rc e o f fu n d s u ti l iz e d e a r l ie r fo r c re d it.
v iii. R e c o v e r ie s fo r th e lo a n s g iv e n to its m e m b e rs e a r lie r s h o u ld b e a t le a s t 9 0 % .
ix . T h e re sh o u ld be p ro p e r a n d sp e c if ic c la u se / p ro v is io n in th e B y e - la w s / M e m o ra n d u m o f
A s s o c ia t io n o f th e o rg a n iz a tio n h a v in g p o w e r to b o r ro w o r ra is e lo a n s f ro m an y o u ts id e ag en cy .
x . T h e re s h o u ld b e a p p ro p r ia te r e f le c t io n in th e o rg a n iz a tio n 's a u d ite d a c c o u n ts a n d b a la n c e sh e e t
in r e s p e c t o f its e x p e r ie n c e in p ro v id in g c re d it an d re c o v e r ie s e tc . A u d ite d a c c o u n ts sh o u ld
re f le c t so u n d f in a n c ia l m a n a g e m e n t /h e a l th .
x i. L o a n lim it p e r b e n e f ic ia ry ( a ) f ir s t lo a n - u p to ? 3 5 ,0 0 0 /- , (b ) R e p e a t lo a n (s ) ^ .5 0 ,0 0 0 /- ta k e n
to g e th e r th e e x is t in g p lu s n e w lo an .
7
Special Package For North-Eastern Region
R M K h a s fo rm u la te d a c o n c e s s io n a l p a c k a g e for th e v o lu n ta ry o rg a n is a tio n s o f th e N o r th -E a s te rn re g io n fo r e a sy a c c e s s o f c re d it f ro m R M K to m e e t th e c re d it n e e d s o f th e p o o r w o m e n o f th e re g io n in o rd e r
to r e m o v e th e u n e v e n p re s e n c e o f m ic ro -c re d it in th e c o u n try w h ic h is w itn e s s e d m o s tly in N o r th -E a s te rn
re g io n d u e to p o o r p re s e n c e o f b a n k in g n e t-w o rk , la c k of in fra s tru c tu re a n d a w a re n e s s , T h e c o n c e s s io n s are :
T h e o rg a n iz a tio n h a v in g c o m p le te d o n e y e a r o f its re g is tra tio n (p re v io u s ly 3 y e a rs ) c a n a p p ly fo r th e
lo an .
M a rg in o n lo a n re d u c e d f ro m 10% to 5% .
T h e g ra c e p e r io d o n re p a y m e n t o f lo an e n h a n c e d f ro m 6 m o n th s to 12 m o n th s .
T h e re p a y m e n t p e r io d o f lo a n e n h a n c e d to f iv e y e a rs in v a r ia b ly fo r a ll s c h e m e s .
T h e N G O s to b e s u p p o r te d w ith 10% o f th e lo a n sa n c tio n e d as c a p a c ity b u ild in g a ss is ta n c e .
To p ro v id e s e c o n d c la s s s le e p e r ra il fa re a n d w h e re th e re is no ra il lin k , c h e a p e r c la s s to a n d fro A ir fa re
to th e m e m b e rs o f N G O s (u p to 2 n u m b e rs ) fo r c o m in g to D e lh i fo r e x e c u tio n o f d o c u m e n ts .
8
OPERATIONS
5.1 SANCTIONS
R M K s a n c tio n e d lo a n s a g g re g a tin g to ? 1278 lak h s d u r in g th e y e a r 2 0 1 0 -1 1 to 3 0 N o n -
G o v e rn m e n ta l O rg a n is a t io n s / S o c ia l O rg a n isa tio n s a s c o m p a re d to ? 1471 la k h s d u r in g th e p re v io u s
y e a r 2 0 0 9 -1 0 . T h e c u m u la tiv e s a n c tio n e d a m o u n t a t th e e n d o f th e y e a r w a s ? 3 0 ,7 5 2 lak h s . D u r in g
th is y e a r, 2 2 n e w o rg a n is a tio n s w e re l in k e d w ith R M K . T h is h a s h e lp e d in e x p a n d in g th e o u tre a c h o f
R M K to so m e o f th e h i th e r to u n -se rv e d a re a s a n d in v o lv in g m o re o rg a n is a tio n s in sp re a d in g the
o u tre a c h o f m ic ro -c re d it.
5.2 DISBURSEMENTS
D u rin g th e y e a r 2 0 1 0 -1 1 , R M K d isb u rs e d an a m o u n t o f ? 12 4 9 lak h s . D u r in g th e p re v io u s y e a r
d isb u rs e m e n ts w e re ? 1 ,563 lak h s . M o s t o f th e d isb u rs e m e n ts w e re d o n e th ro u g h sm a ll a n d n e w
o rg a n is a tio n s . T h e c u m u la tiv e d isb u rs e m e n t a t y e a r e n d in g 2 0 1 0 -1 1 w a s ? 2 5 1 8 2 lak h s . T h e
S c h e m e -w is e c o m p a ra tiv e s ta te m e n t o f s a n c tio n s a n d d is b u rs e m e n ts d u r in g th e tw o y e a rs , i .e .,
2 0 0 9 -1 0 a n d 20 1 0 -1 1 is g iv e n in T ab le - 1.
TABLE - 1
SCHEME WISE COMPARATIVE STATEMENT OF SANCTIONS ANDDISBURSEMENTS DURING 2009-2010 AND 2010-2011
(? in lakhs)Sr.No.
Schemes Amount Sanctioned Amount Disbursed2009-10 2010-11 2009-10 2010-11
No. of NGOs
Amount No. of NGOs
Amount No. of NGOs
Amount No. of NGOs
Amount
(1) (2 ) (3) (4) (5) (6) (7) (8 ) (9) (10 )
1. M a in L o an S ch em e
40 1471 27 1058 59 1057 52 992
2. L o a nP ro m o tio nS ch em e
"
2 20 7 18 3 7
o G o ld C re d itC a rdS ch em e
1 200 2 4 5 0 2 250
4 F ra n ch ise eS ch em e
- - - - 1 38 - -
T O T A L 40 1471 30 1278 69 1563 57 1249
9
SCHEME-WISE - ACHIEVEMENTS
6.1 MAIN LOAN SCHEME
L o a n a s s is ta n c e to th e e lig ib le o rg a n is a tio n s u n d e r th e M a in L o a n S c h e m e o f R M K is p ro v id e d fo r o n
le n d in g to S e l f H e lp G ro u p s /w o m e n b e n e f ic ia r ie s b o th in ru ra l a n d u rb a n a re a s fo r in c o m e g e n e ra tio n
a n d m ic ro -e n tre p re n e u r ia l a c tiv it ie s . M a x im u m lo a n l im it is ? 6 c ro re , b u t n o t m o re th a n \f 2 c ro re in
o n e s ta te . D u r in g th e y e a r 2 0 1 0 -1 1 , R M K c o n s id e re d 2 7 a p p lic a t io n s a n d sa n c tio n e d lo a n s
a g g re g a tin g to ? 10 5 8 la k h s to b e n e f i t 9 6 8 8 w o m e n b e n e f ic ia r ie s , a g a in s t ? 1471 la k h s s a n c tio n e d
d u r in g 2 0 0 9 -1 0 b e n e f i t in g 1 5 404 b o rro w e rs . D is b u rs e m e n ts d u r in g th e y e a r w e re ^ 9 9 2 lak h s as
c o m p a re d to ? 1 0 5 7 la k h s d u r in g th e p re v io u s y e a r 2 0 0 9 -1 0 . D e ta ils o f s a n c tio n s a n d d isb u rs e m e n ts
u n d e r th e M a in L o a n S c h e m e a re g iv e n in T ab le - I I .
TABLE - II
STATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS UNDERTHE MAIN LOAN SCHEME & COMPOSITE LOAN SCHEME DURING THE
YEARS 2009-2010 AND 2010-2011. *
(? in lakhs)
Sr.N o .
S ta tes N o . o f N G O s N o . o f B o rro w ers
A m o u n t S a n c tio n e d A m o u n t D isb u rsed
2 0 0 9 -1 0 2 0 1 0 -1 1 2 0 0 9 -10
2 0 lO- l l
2 0 0 9 -1 0 2 0 1 0 -1 1 2 0 0 9 -1 0 2 0 1 0 -1 1
( I ) (2) (3 ) (4 ) (5 ) (6 ) (7 ) (8 ) (9 ) (1 0 )1 A n d a m a n N ic o b a r - - - - 2 0 202 A n d h ra P radesh 7 1 2 4 6 5 8 5 0 2 1 5 65 2 1 0 1233 A ssa m - - - - - - 9 451
4 B ihar 1 1 2 4 0 9 0 0 6 0 100 30 3 05 H aryan a 2 1 1340 132 115 15 8 656 H im a ch a l P radesh 1 - 3 3 0 - 6 0 - 3 07 J a m m u & K a sh m ir - - - - - - 45 108 Jharkhand - 1 - 2 0 0 - 20 6 -9 K arnataka 2 2 6 5 0 3 6 0 90 35 43 7310 K era la - 1 - 4 6 0 - 50 - 2 511 M a d h y a P rad esh 3 4 1371 1165 5 6 165 103 9312 M aharashtra 1 3 10 0 0 2 9 0 100 58 - -13 M an ip u r 1 - - - 2 0 - 22 -14 N a g a la n d - i - 70 - 10 - 515 O rissa - - - - - - - 316 P unjab - i - 2 0 0 - 50 - 2517 R ajasth an - i - 195 - 20 85 1018 T am il N a d u 15 4 6 5 4 4 1454 5 9 6 190 3 4 9 2 7 819 U ttar P rad esh 6 1 9 6 4 135 9 9 15 4 0 82 0 U ttranchal - 2 - 8 4 5 - 150 - 7521 W est B en g a l 1 3 5 0 0 2 4 3 2 60 115 - 75
T o ta l 4 0 2 7 1 5 4 0 4 9 6 8 8 1471 1 0 5 8 1 0 5 7 9 9 2
6.2 LOAN PROMOTION SCHEME
R M K p ro v id e s lo a n a s s is ta n c e u p to ? 1 0 la k h s u n d e r th e L o a n P ro m o tio n S c h e m e to su ch
o rg a n iz a tio n s w h ic h h a v e a t le a s t s ix m o n th s e x p e rie n c e in th r if t a n d c re d it m a n a g e m e n t. T h e a im is to
p ro m o te th r if t a n d c re d i t a m o n g n e w e r, s m a lle r b u t p o te n tia lly c a p a b le o rg a n iz a tio n s . D u r in g th e c u rre n t
y e a r (2 0 1 0 -1 1 ) a s u m o f ? 2 0 la k h w a s s a n c tio n e d . H o w e v e r , n o lo a n w a s s a n c tio n e d u n d e r th is sc h e m e in th e
p re v io u s y e a r (2 0 0 9 -1 0 ) . A su m o f ? 7 .5 la k h s w a s d isb u rs e d in th e c u rre n t y e a r a s a g a in s t o f ? 18 .28 lak h s
d isb u rs e d in th e p re v io u s y e a r 2 0 0 9 -1 0 . S ta te -w ise d e ta i ls o f s a n c tio n s a n d d is b u rs e m e n ts u n d e r th e sc h e m e
a re g iv e n in T ab le - I I I .
TABLE - III
STATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS UNDER THE LOAN PROMOTION SCHEME DURING THE YEARS 2009-10 AND 2010-11.
(? in lakhs)
Sr.
N o
S ta te s N o . o f N G O s N o . o f B o r r o w e r s A m o u n t S a n c t io n e d A m o u n t D is b u r s e d
2 0 0 9 -1 0 2 0 1 0 -1 1 2 0 0 9 -1 0 2 0 1 0 -1 1 2 0 0 9 -1 0 2 0 1 0 -1 1 2 0 0 9 -1 0 2 0 1 0 -1 1
(1 ) (2 ) (3 ) (4 ) (5 ) (6) (7 ) (8 ) (9 ) (1 0 )
1 A ssa m - - - - - - - 2 .5
3 H aryana - - - - - - 2 .5 -
4 M an ip u r - - - - - 1 0 .7 8 -
4 M aharastra - 1 - 160 - 10 - -
5 O rissa - - - - - - - 2 .5
6 U ttar P rad esh - 1 - 4 0 0 - 10 -
7 W est B e n g a l - 2 - - - - 5 2 .5
T o t a l - - 4 5 6 0 - 2 0 1 8 .2 8 7 .5 0
6.3 GOLD CREDIT SCHEME
T h e s c h e m e a im s a t a n a d e q u a te a n d t im e ly c re d it d e liv e ry f ro m R M K to N G O s fo r o n le n d in g to
N G O s fo r fu r th e r o n le n d in g to S H G s fo r in c o m e g e n e ra tio n a n d c o n s u m p tio n n e e d s in a f le x ib le a n d
c o s t-e ffe c tiv e m an n e r . N G O s a re s a n c tio n e d d e p e n d in g u p o n th e ir t ra c k re c o rd w ith R M K /o th e r
m ic ro c re d it o rg a n iz a tio n s a n d c re d it n e e d s . M a x im u m c re d it l im it u n d e r th is s c h e m e is ? 5 c ro re s .
D u r in g th e c u rre n t y e a r 2 0 1 0 -1 1 a su m o f ? 2 c ro re w a s s a n c tio n e d . D is b u rs e m e n t d u r in g th e y e a r h a s
b e e n ? 2 .5 c ro re as c o m p a re d to ? 4 .5 c ro re in th e y e a r 2 0 0 9 -1 0 . S ta te -w ise d e ta ils o f s a n c tio n a n d
d isb u rs e m e n t u n d e r th e s c h e m e a re g iv e n in T ab le -IV .
11
T A B L E - IV
STATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS UNDER THE GOLD CREDIT SCHEME
DURING THE YEARS 2009-10 AND 2010-11.
(? in lakhs)Sr.No.
States No. of NGOs No. of Borrowers AmountSanctioned
AmountDisbursed
2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11
(1) (2) (3) (4) (5) (6) (7) (8) 0 ) (10)
1 Orissa - - - - - - 350 502 Rajasthan - 1 - 3114 - 200 100 200
Total - 1 - 3114 - 200 450 250
6.4 FRANCHISEE SCHEME
R M K a p p o in ts f ra n c h is e e s to sp re a d its lo a n in g a c tiv itie s . S m a lle r N G O s o f th e s ta te c a n a v a il lo an s
d ire c tly f ro m f ra n c h is e e a p p o in te d b y R M K fro m th a t s ta te w ith o u t s e n d in g th e ir p ro p o sa l to R M K
o ffic e in N e w D e lh i. M a x im u m c re d it l im it u n d e r th e sc h e m e is ? 5 c ro re s .D u r in g th e p re v io u s y e a r
2 0 0 9 -1 0 , a su m o f ? 3 7 .5 0 la k h s w a s d isb u rse d . N o lo a n w a s s a n c tio n e d a n d d isb u rs e d d u rin g th e
c u rre n t y e a r 2 0 1 0 -1 1 . S ta te -w ise d e ta ils o f sa n c tio n s a n d d isb u rs e m e n ts u n d e r th e sc h e m e a re g iv e n in
T ab le-V .
TABLE - V
STATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS UNDER THE FRANCHISEE SCHEME
DURING THE YEARS 2009-10 AND 2010-11.
(? in lakhs)
Sr.No.
States No. of NGOs No. of Borrowers AmountSanctioned
AmountDisbursed
2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11
(D (2) (3) (4) (5) (6) (7) (8) (9) (10)
Punjab - - - - - - 37.5 -
Total - - - - - 37.5 -
REGIONAL OUTREACH
T h e f lo w o f c re d it u n d e r th e v a r io u s sc h e m e s o f R M K h a s sh o w n re g io n a l / s ta te -w ise v a ria tio n s .
T am il N a d u h a s b e e n in th e le a d to a v a il c re d it fa c ili tie s f ro m R M K w ith lo a n s a m o u n tin g to ? 2 7 7 .5 la k h s
fo llo w e d b y R a ja s th a n ^ 2 1 0 la k h s , A n d h ra P ra d e s h ? 1 2 2 .5 la k h s .T h e th re e m a jo r s ta te s , v iz . T am il N a d u ,
R a ja s th a n a n d A n d h a ra P ra d e s h to g e th e r a c c o u n te d fo r 4 9 % o f th e d isb u rs a ls d u r in g 2 0 1 0 -1 1 . C o m p a ra tiv e
p o s it io n o f S ta te -w ise s a n c tio n s a n d d isb u rs e m e n ts is g iv e n in T ab le -V I.
T A B L E -V I
STATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS DURING THE YEARS 2009-10 AND 2010-11.
(T in lakhs)Sr.No.
States No. ofNGOs No. of Borrowers Amount Sanctioned Amount Disbursed2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)1 Andaman
Nicobar 20.00 20;00
2 Andhra Pradesh 7 1 2465 850 215.00 65.00 209.50 122.503 Arunanchal
Pradesh- - - - - -
4 Assam - - - - - - 9.00 47.505 Bihar 1 1 240 900 60.00 100.00 30.00 30.006 Harayana 2 1 1340 132 115.00 15.00 10.00 65.007 Himachal
Pradesh1 - 330 - 60.00 - - 30.00
8 Jammu & Kashmir
- - - - - - 45.00 10.00
9 Jharkhand - 1 - 200 - 20.00 6.00 10 Karnataka 2 2 650 360 90.00 35.00 42.50 72.5011 Kerala 1 460 50.00 25.0012 Madhya
Pradesh3 4 1371 1165 56.00 165.00 103.00 92.50
13 Maharashtra 1 4 1000 450 100.00 68.00 - -14 Manipur 1 - - - 20.00 - 33.2815 Nagaland 1 _ 70 10.00 - 5.0016 Orissa - - - - - - 350.00 55.4017 Punjab - 1 - 200 50.00 37.50 25.0018 Rajasthan 2 3309 220.00 185.00 210.0019 Tamil Nadu 15 4 6544 1454 596.00 190.00 349.00 277.5020 Uttar Pradesh 6 2 964 535 99.00 25.00 39.50 7.5021 Uttranchal - 2 - 845 - 150.00 - 75.0022 West Bengal 1 J 500 2432 60.00 115.00 93.75 78.75
Total 40 30 15404 13362 1471.00 1278.00 1563.03 1249.15
13
MAJOR ACTIVITIES
Capacity Building & Skill Development
Orientation on Micro Finance and Income Generation issues
8.1 O r ie n ta tio n o n M ic ro F in a n c e a n d In c o m e G e n e ra tio n issu e s a t N IP C C D , In d o re , M P f ro m 1 0 - 1 4
M ay , 2 0 1 0 , a t N IP C C D , B a n g a lo re during 15-19 June 2010, a t N IP C C D G u w a h a ti A s s a m d u r in g 13-19 September 2 0 1 0 a t N IP C C D L u c k n o w , U tta r P ra d e s h , d u r in g 27-31 December 2010 a n d a t N IP C C D , N e w D e lh i d u r in g 7-11 Febuary 2011 w e re o rg a n ise d . T h e p ro g ra m m e s w e re a tte n d e d b y g ra s s ro o t le v e l fu n c t io n a r ie s o f p a r tn e r IM O s.
8 .2 C a p a c ity B u ild in g c u m A w a re n e s s G e n e ra tio n p ro g ra m m e a t N o w g o n g , D is tr ic t C h a tta rp u r
(B u n d e lk h a n d ) o n 13 May 2010 was organised. T h e p ro g ra m m e w a s a d d re s s e d b y H o n b le M in is te r o f S ta te ( In d e p e n d e n t C h a rg e ) .M in is try o f W o m en a n d C h ild D e v e lo p m e n t , G o v e rn m e n t o f In d ia to
c re a te a w a re n e s s a m o n g th e ru ra l w o m e n o f B u n d e lk h a n d re g io n fo r th e ir s o c io -e c o n o m ic u p lif tm e n t
. A ro u n d 3 0 0 0 ru ra l w o m e n f ro m th e R e g io n p a r t ic ip a te d .
8.3 Holding of Awareness Programme on Socio Economic Empowerment of Women on 23 July, 2010 at Dilli Haat, Pitampura, New Delhi.
A p ro g ra m m e in a s s o c ia tio n w ith C e n tra l S o c ia l W e lfa re B o a rd a n d F o o d a n d N u tr i t io n B o a rd o f th e
M in is try w a s o rg a n iz e d b y R M K o n 23 July, 2010 a t D illi H a a t, P i ta m p u ra , N e w D e lh i f o r c re a tio n o f A w a re n e s s o n S c h e m e s o f R M K a n d th e M in is try a b o u t S o c io E c o n o m ic E m p o w e rm e n t o f W o m en .
A w a re n e ss E x h ib i t io n w a s a lso h e ld o n th e o c c a s io n . H o n b le M in is te r o f S ta te fo r W o m e n a n d
C h ild D e v e lo p m e n t ( I /C ) in a u g u ra te d th e p ro g ra m m e . A la rg e n u m b e r o f p o o r w o m e n a n d so c ia l
w e lfa re fu n c t io n a r ie s a tte n d e d th e p ro g ra m m e .
8.4. Participation of RMK in the Vatsalya Mela, 2010.
T h e M in is try o f W o m e n a n d C h ild D e v e lo p m e n t o rg a n iz e d V a tsa ly a M e la a t D illi H a a t, N e w D e lh i
f ro m 1 4 .1 1 .2 0 1 0 to 1 9 .1 1 .2 0 1 0 . R M K w a s a llo tte d 2 0 s ta lls fo r p a r t ic ip a tio n o f its N G O p a rtn e rs . I t
p ro v id e d th e w o m e n S H G s o f R M K p a r tn e rs a p la tfo rm to d isp la y a n d m a rk e t th e ir p ro d u c t a n d
se rv ic e s . T h e N G O p a r tn e rs w e re f ro m v a r io u s s ta te a n d fa r o f f a re a s . A d iv e rs e ra n g e o f p ro d u c ts w e re
d isp la y e d a n d s o ld in c lu d in g s ta te -o f - th e -a r t p ro d u c ts lik e sa re e s , b e d s h e e ts , d e c o ra tiv e tra d itio n a l
a n d m o d e rn h a n d ic ra f ts , h a n d lo o m d re s s m a te r ia ls a n d re a d y -m a d e g a rm e n ts , b a m b o o ,c o ir , c a n e ,
w o o d a n d ju te p ro d u c ts , d u r r ie s , b e a d w o rk , s to n e a n d m e ta l je w e lle ry , a g a rb a tt is , w o o le n s an d
e m b ro id e ry ite m s , le a th e r h a n d ic ra f t ite m s , fo o d ite m s lik e p ic k le s , h o n ey , d ry f ru its , h o u s e h o ld
d e c o ra tiv e ite m s , h e rb a l p ro d u c ts e tc .
T h e re w a s g o o d p u b l ic re s p o n se . T h e o v e ra ll sa le o f th e p ro d u c ts w a s v e ry g o o d . S o m e o f th e
p a r t ic ip a n ts g o t su p p ly o rd e rs /e n q u ir ie s w o r th se v e ra l lak h . N G O p a r t ic ip a n ts w e re g e n e ra lly h a p p y
w ith s a le s a n d o rd e rs fo r th e ir p ro d u c ts . T h e M e la p ro v id e d a n o p p o r tu n ity to th e N G O p a r t ic ip a n ts to
in te ra c t w ith c u s to m e rs a n d fe l lo w N G O p a r tn e rs w h ic h e n h a n c e d th e ir m a rk e tin g sk ill a n d b u s in e s s
k n o w le d g e . O v e ra ll , th is h a s b e e n a v e ry u se fu l e x p o su re to th e p o o r w o m e n S H G s p a r t ic u la r ly fo r
th o se c o m in g f ro m fa r o f f p la c e s o f th e co u n try .
15
SOM E S U C C E T O R I E S OF THE-W O M E N B E N E F I T T E D FRu- K M K - S H G BN E FI Cl A R IE S
T H R O l , H M I C R O F I N A N C E .
1. M A N I P U R
All Backward Classes & Economic Development Organization (ABCEDO),Samaram Bazar, Thoubal District of Manipur is implementing a number of s o c i o - e c o n o m i c d e v e l o p m e n t programmes through Self Help Groups.One of the remarkable achievements of the organization is its Micro-Credit Programme supported by RMK. The organization has 64 Women SHGs. Some of the Groups have taken up vegetable farming to promote their economic status. Some of the members of these SHGs took 2 Hectare ot land on lease at Rs.40,000/- and planted 50 thousand number of cabbage plants and also some seasonal vegetables. This inv estment of Rs.40,000/'- gave them a profit of Rs.2,39,000/-. This has encouraged them to go for agricultural inputs like tractor and encourage other members of group to join the SHGs so that they also become financially strong and independent
2. ANDHRA PRADESH
Mrs. Jhansi Lakshmi wife of Shri B.Guruvamandadi is one of the group m e m b e r s o f B a l a j i S a n g h a m Dasarimatam Self Help Group sponsored by Rashtriya Seva Samiti (RASS). She was given proper training for Mango - Ginger Pickle making, Mango-Avakaya,Lemon, Ginger, Ginger with Garlic,Ginger without garlic, Onion, Red Chillies, Bitter Guard, Amla,