Success story of Aiswarya Self Help Group, Kumbalam in Vyttila Block Panchayat

Kumbalam was an island in Ernakulam district, surrounded by backwaters of Vembanattu. Now N.H.47 byepass road from Edappally to Aroor passes through Kumbalam and the place got some developments thereby. But most of the inhabitants are still living on fishing ,agriculture,and manual labour.The womenfolk of this area are not at all experienced with any productive works. It was really a challenging attempt to create a self help group[S.H.G.] under S.G.S.Y. from these people and to bring forward them to the mainstream of the society.
Aiswarya S.H.G.,Kumbalam in ward No.11 of Kumbalam Grama Panchayat in Vyttila Block Panchayat was formulated on 29th October 2001 by 11 housewives of the area. Most of the members were poor and strived hard on their daily bread. Smt. K.S. Asha, Lady Village Extension Officer of Vyttila Block Panchayat, who holds in charge of Kumbalam V.E.O. circle, had taken initiative to form Aiswarya S.H.G. and its post-activities.
The group members held meetings every week,collected thrift amount and deposited the same in Union Bank of India,Thevara branch regularly.They got loans from the deposits and refunded it properly.The Block Panchayat authorities assessed the group activities for six months.
After grading, the S.H.G.was given its Revolving Fund of Rs.25000/-[Rs.20000/- loan and Rs.5000/-subsidy] on 30th July 2002 from U.B.I.Thevara. Utilising this amount they started production of soap powder and tailoring works. As they remitted R.F.regularly, second grading held on 10th March 2004 and the group members were trained for rabbit rearing. Consequently, they got Rs.1,10,000/-under S.G.S.Y.for rabbit rearing [Rs.55000/-loan and Rs.55000/-subsidy].They also continued tailoring works and plantain farming along with rabbit rearing.
All these activities are gone smoothly. Now they get a monthly earning from these works and can repay the loan instalments regularly. Now the repayment is almost to be completed.
The bank officials and block panchayat officials have helped them a lot to make their venture a success. Now we can proudly say that Aiswarya SHG, Kumbalam is capable and efficient to carry out any projects of this kind with a fruitful result.

PUNARTHAM S.H. GROUP, NETTOOR NORTH

Pranavam S.H. Group is a joint venture of a group of 15 enthusiastic women members residing near Nettoor Kallth temple in the premises of puthiya madam road in Maradu Grama Panchayat. The group was formed on 7th of June 2002. As per the direction of Block Development Officer an account has been opened in Vijaya Bank, Nettoor for financial transactions of the group. On the 21st November 2005, the 2nd grading of the group was successfuly completed and an amount of Rs. 2 lakhs including Rs.50000/- as subsidy was granted to the group for starting a self employment programme.
Ready made garment making and ornamental fish rearing and selling were the schemes undertaken by the Group. The projects were inaugurated on the 3rd of April 2006. All the 15 members of the group are very active and have equal importance and responsibility in successful implementation of the siad schemes. An important point to be noted is that each member of the group has an average monthly income of Rs.1000 - per month. Further, the timely directions from the part of Block officials and the financial assistances from Vijaya Bank help the group a lot in carrying out the mission they are involved. The success of the group is a result of collective responsibility and dedication of the members.
Maradu Grama Panchayat is one of fast developing panchayat in Kerala. Valanthakadu is an island situate in the south east of this panchayat. In this island, except one or two families all others are belonging to SC community. Maradu Grama Panchayat is one of the most financially developed and is competing with the corporation of Cochin in the development activities. But the inhabitants of Valanthakadu is still in poverty. "Rich becomes richer and the poor becomes poor" the apt economic theory is most practical to the people of valanthakadu. The geographical features seperates Valanthakadu from the fast developing process of the other parts.
The main occupation of this Village people are fishing agriculture, collecting of shells and processing it. Even though they were skilled they couldn't attain the infrastructure due to the lack of money. Country boat and fishing net are the most wanted instruments for their day today occupation. Both the male and female together engaging in the same nature of work.
Meanwhile, some women members of these poor family met the LVEO of their area and requested to help them in any way to grant an aid for purchasing a boat and net. The LVEO together with her higher officials made discussions about the felt need of the people and advised these women to organize an SH Group inorder to avail the maximum assistance for their requirement. As a result the chain of group meetings and discussion they gathered together in a place and formed an SH Group named "Pranavam" on 20th of September 2002. The group members collected together in particular place every week and discussed their problems each other. In the end they decided to collect a tittle amount every week from each member and to start an SB account in the nearest bank branch and to deposit the amount in the account. They recorded their discussion in the minutes register specified for it they started an SB A/c in the Bank of India, Maradu Branch. At the end of December 2002 their savings grown to Rs.3000/- and they began to lend small amounts for a low rate of interest among the members according to their needs. By about March 2003 the savings grown to Rs.10000/-
In April the Bank Manager wanted the LVEO concerned to do the needful for 1st grading of the unit. In the presence the Block, Grama Panchayat members concerned the process of 1st grading completed. Then the group was recommended for Revolving fund assistance. A sum total of Rs.25000/- was granted to the unit as Revolving Fund. Out of this Rs.10000/- being the Government grant and Rs.15000/- being the Bank loan. Utilising this amount they constructed a little workshed for processing the shell and purchased 3 fishing nets and pots. Besides they started a provisional business along with their routine work. Even though the provisional business was entirely different job, they made it a grant success by way of doot to door supply.
On Completion of about one year, with the repeated demand from the the Group members and Officials the group was selected for second grading. The Block Panchayat President, the ward members concerned were present in the gradation meeting. The Manager Bank of India, Maradu Branch appreciated about the day to day activities as well as the bank transactions of the group. During 2004-05 the Pranavam SH Group was selected for SGSY assistance. They were given Rs.145000/- as bank loan and Rs.10000/- as subsidy. Utilising the whole amount they purchased 7 country boats, 10 fishing nets, the required vessels and constructed a work shed. Now the group members are working together and sell their products in open market and finding out for their daily life satisfactorly. They earns about Rs.8000/ per month. They are regularly repaying the loan amount without any difault for a single day. A net earnings about Rs.4000/- per month make their family life very pleasent and happy.
They meet most of the days together and discuss their problems in work as well as family. They are maintaining the required attendace register, day book, cash book and stock register promptly. The LVEO and block officials frequently visitingand giving the necessary instructions
The National Monitor of SGSY scheme Sri. Sreenivasa Ramanujan, IAS (Retd) have recently visited the unit on 23/02/07. He gave a very good appreciation about the activities of unit and recorded it in their minutes book. Besides, he promissed to submit a very pleasing report about the unit as well as the officials to the Government of India at the earliest.

Adarsh SHG – Together We Achieve More.

The Tsunami waves engulfed some portion of Vypin Block, and the costal region suffered a lot. The aftermath of Tsunami and resurgence waved the path for the formation of Adarsh Self Help Group, in this region.
On 02-01-2003, Fifteen ladies from Nayarambalam Grama Panchayat, formed a group - Adarsh - under the proper guidance of the Lady Village Extension Officer, with a mere contribution of Rs.10/= per head. With frequent meetings and small savings, the Group started functioning initially. A Bank account was opened jointly by President & Secretary, at Catholic Syrian Bank, Narakkal.
Their initial ventures were Grocery Shop and fire wood sales, which did not click. Finally they restored to Prawn Peeling, in a shed.
With proper guidance from Block Office, and hard work by members, their first grading was successfully completed on 30-01-2003. A Revolving Fund of Rs.25,000/= was sanctioned by Catholic Syrian Bank, Narakkal, with Rs.10,000/= towards subsidy. Slowly the Group attained the momentum, and the second grading also passed of successfully. As part of expansion, they shifted to a more spacious shed. For catering to their expansion process, the Bank sanctioned a total amount of Rs.2,04,000/=, with 50 % subsidy.
Now the Group is functioning in a permanent Shed, with all utilities of their own. Their present capacity is 300 Kg. of raw prawns per day, with an output of 180 Kg. of meat. Besides their self employment, they also provide employment to 30 non members, of the Locality. The group attained self sufficiency in Bank dealings, and for handling all day-to-day administration, such as maintenance of accounts, convening meetings etc. The loan is being repaid punctually @ Rs.2,500/= per month. All Group members are paid Rs.100/= per day, for their work, and the Group is attaining an average Gross Profit of Rs.37,500/=, anually.
The famous quoting says “Success goes to those who are dare and courageous, it seldem goes to a timid”. Like wise, in the future, they are planning to expand their work shed, to an export oriented level, as part of entering a more competitive market.

Sneham, Vypin Block. from Broom Stick to Bus Service

The story unveils a few years back. During 2003, 14 unemployed males, residing at wards 14 and 15 of Pallipuram Grama Panchayat (One of the seven thickly populated Grama Panchayats under this Block), united themselves with an idea to form a Self Help Group (SHG), by name “Sneham” – which means ‘Love & affection’. On 28-11-03, the Group came into existence, and slowly but steadily, it started to function.
Adolescence
It was a very testing time, with money playing a pivotal role in the market, and that was something they needed very badly. All members started to contribute their thrift of Rs.10/= per week, towards working capital, and the same was deposited in a joint account, opened in the name of President and Secretary, at State Bank of India, Cherai. Soon after, with the effort and support of the then VEO of Cherai Circle, the Group was registered under SGSY, at Vypin Block. The initial product by the Group – “Country broom stick” was launched, and the marketing was inaugurated on 11-4-04, by the Hon. President of Pallipuram Grama Panchayat, Smt.A.S.Aruna. Thus the game was on.
Steady Growth
As part of expansion process, a room was rented, with each member contributing Rs.500/= each, towards it. Meanwhile the initial grading was successfully completed, and Rs.50,000/= was sanctioned towards Revolving Fund. With confidence growing, they launched for marketing, almost 60 locally made items – starting with clay pots to dress materials etc. with a Logo “Buy local products and save our Locality”, which clicked in a big way.
Into the Big League
After the success of these initial activities, the Group members, brimming in confidence of their previous success, proposed an idea of “Private Bus Service”, during the time of second grading. After careful scrutiny and analysis, their idea was approved and supported by the Vypin Block, and the financial proposal was placed before State Bank of India, Cherai, with 10 group members subscribing to it. A total amount of Rs.9,78,000/= was sanctioned by the Bank – with Rs.1,00,000/= as Subsidy, and the rest Loan – with a total repayment period of seven years. Hence, after collecting all the details regarding the Vehicle, a 36 seater Bus was purchased (make: TATA 497) from M/S. Popular Mega Motors (P) Ltd, Ernakulam. The Body was built by M/S.Sree Muruga Auto Centre, N.Paravoor. They were sanctioned a peculiar route “ Ernakulam (High Court Jn.) – Cherai Beach – Paravoor”, and thus their small entrepreneurship found a place in the Tourism Map. They did all these without sacrificing their initial business. Only group members are employed in all their enterprises.
Passing word
Today the Group stands high, among all other establishments in the Panchayat. Their Gross Asset is worth 13 Lakhs, and 14 famalies enjoys the fruit of co-operation and economic security. Their Loan is being repaid promptly, and they are confident to clear all the liabilities within the stipulated period. That is “Sneham” - Raw Talents grouped into a Winning Combination.

Success story of Pushpika SHG

Pushpika SHG was formed in 2003 at Mattakuzhy near national high way NH 49 of Thiruvaniyoor Panchayath with 12 members from very poor family. Two members later shifted from that place and hence left the unit. 3 of its present members belongs to scheduled caste family. Initially the unit concentrated in agriculture, especially Tapioca and banana cultivation and later they started rice sale and soap powder making. During that period they were supported by giving revolving fund of Rs.25000/- from SCB Mamala with this they managed to work for 2 years. Last year they were assisted with SGSY loan for Rs.200000/- with this they are doing, Goat rearing, food processing and agriculture (seasonal vegetables). All the members of the unit are working in a unanimous spirit.
Out of the 10 members of the unit few go for house to house sale while the others are involved in indoor works like setting, measuring, packing, sealing labelling etc. All the members of the unit are getting a monthly income of Rs.1000/- p.m. after repaying the loan amount.

Revi Electricals, Light & sounds a synonym to Success, Vadavucode Block

Revi Electricals Light and sounds is very famous in Vadvucode block; with its perfection. Revi.T.A. Chennamoleth, Poothrikka is a S/C Swarozgari running this unit at Aikaranadu south village in Poothrikka Grama Panchayth. His family that is wife and two children was suffering much to make both ends meet. In that circumstances he started an electrical cum light and sound system under SGSY in 2000 by availing loan amount of Rs. 20390/- and subsidy Rs.5000/- from Federal Bank, Kolenchery.
Due to his sincere dealings and hard work he was able to expand his business day by day. Since the repayment of the loan was very regular, he had been given the second doze of assistance in 2005. Because of the promptness in the repayment of the Swarozgari the Bank was much interested to extend the second assistance. He purchased a generator worth Rs.38000/- and availed subsidy of Rs.5000/-
The second doze of assistance was a turning point in his life and he was succeeded to modify his house and the unit was shifted to his own building. Now he is running the unit with the help of three workers. He is repaying an amount of Rs.750/- every month to the bank and able to generate net income of Rs .5000/- monthly. Now he posses light and sound system, generators, and illumination items worth Rs.300000/-`
Now Revi Electricals light and sound is a synonyms to success.

ASRAYA VANITHA SHG, THAMARAKULAM MUDICKAL, MUDICKAL P.O., VAZHAKULAM BLOCK

The ASRAYA SHG is a homogeneous group and all the members belong to families below poverty line. The first meeting of the group was held on 8th August 2001. The Extention Officer (Women’s Welfare) of Vazhakulam Block presided over the meeting. The Village Extention Officer Mr. Abdul Saleem, L V E O Smt. Beena Rani, Ward Member Sri. Abdul Khadar Kunnathan were also present in the meeting. All of the 15 numbers present in the meeting decided to collect Rs. 10/- as the thrift amount at weekly intervals. The unit has registered under charitable society registration act of 1960 on 7th November 2001(Reg. No. 1161/2001).
They opened an SB Account at SBT Mudickal Branch and invested there thrift amount. They took individual consumer loan from this account and repaired it in time.
The group members have undergone training for the preparation of soap powder and started the production of soap powder and bar soap. But it was not so profitable as the people got the same product in a cheap amount in the market. Thus they stopped the production of soap powder.
The first grading of the group conducted on 16th July 2003 and they received Rs. 25,000/- as Revolving fund. Then they started production of Rice powder in a small scale. Along with this they prepared food products like Avalose pody, Pathiri etc. They received order for more products.
On account of the large demand of the rice powder and other food products, they wanted to expand their business. The group has undergone second grading on 8th August 2006. They submitted a project for agriculture and food processing for an amount of Rs. 2,03,325/- at SBT Mudickal. The project was sanctioned and they got a subsidy of Rs. 94,000/- under SGSY Scheme on 13th December 2006. They expanded their business with this amount. Now they have a sale of 2000 Kg. to 3000 Kg. rice powder in a week. Three members of this group undergone training on food processing at Food Craft Institute, Kalamassery. With the experience from this training, they decided to produce more food products like Jam, Squash etc. They also started Jasmine Cultivation. At first they planted about 250 Jasmine Plants. After six months, now they started to harvest Jasmine. They earned a living from this business.
Their loan repayment is regular and prompt. They repay Rs. 4,400/- per month without any dues till date. The Ward Member and Staff of Vazhakulam Block Office always encourage them. Thus the ASRAYA SHG become a model to other SHG’s in the block.

INDIVIDUAL STORY - VAZHAKULAM BLOCK AN EXAMPLE OF PROGRESS

Mr. Sivan is a resident of Vazhakulam Grama Panchayath in the Vazhakulam Block area. He is a member of scheduled caste and belongs to BPL family. He is a well known skilled worker in handicraft items. For his best performance in wooden works he has won a prestigious award from the Coconut Development Board. Even though he had enough experience in this field, all his efforts failed because no body to stretch a hand towards him to meet the expense of business. But in the midst of all once he tried to start his business and purchased some coconut wood. Unfortunately it become a failure and all his effort was in vain. The material he purchased was not of good quality. Since a member of BPL family all his attempts was failed to recover from the situation.
Later he went to various places and worked hard and earned sufficient money and purchase land to construct a house. The Grama Panchayath extended assistance to construct house under the housing scheme for SC/ST. Then he thought of a plan to take rented building for his job works. At this time he came to know about the SGSY Scheme which extends assistance to BPL families for self employment. Then he contacted Vazhakulam Block Development Office and from where a loan was sanctioned to himm for Rs.50000/- under SGSY scheme for starting a handicraft unit. By utilizing the loan, he made wooden handicrafts models in Rosewood. His models are of unique and specially designed to the choice of consumers. The model consists of wooden elephants, the model of horse, lions, the Lord Krishna, Lord Vigneswara, Goddess Saraswathi and Jesus Christ.etc. He made small and big models as per orders which costs Rs. 600/- to 7,000/- approximately. Now he is getting more orders locally and from abroad. Being a master craftsman he is able to give training for others too. His vast experience, ability and skill is being utilized by the Block Panchayath in giving training to SHG Members. His family include wife and two daughters and Sivan is the only helping hand to them. Repayment of loan is prompt and regular. Prompt repayment of loan will be an important aspect of SGSY not only to ensure a discipline but more importantly as it reflects the success of self employment programmes. Sivan is an example for this. No social phenomenon is as comprehensive as an assort on human life as poverty. The life of Sivan often reveals the above facts.

AISWARYA HOTEL & CATERING SERVICE, VENGOLA, VAZHAKULAM BLOCK

AN EXAMPLE OF WOMEN’S PROGRESS
The AISWARYA SHG at Vengola Grama Panchayath consists of ten women members who belong to families below poverty line. The group was formed and its activity started on 27th October in the year 2000 by opening an SB Account in the Union Bank Of India at Arackapady. The group deposited their savings and other contribution from the members in to this account. The group decided to collect voluntary savings at weekly intervals as decided by its members. After completing six months, the group has qualified in the first grading process which enables them to receive Rs. 25,000/- as Revolving Fund. The group utilized the Revolving Fund to start lease land cultivation and production of food materials. The micro credit which leads to more profit and the group purchased 3 cents of land as their fixed assets.
The group showed more courage and attention to improve their present status of living. Then the group has successfully passed the second grading and have availed Rs. 1,63,000/- as loan from UBI Arackapady and a subsidy of Rs. 87,000/- under SGSY . With this amount they started a Hotel and Catering service in a rented building of Vengola Grama Panchayath. The panchayath charged only a nominal rent for its building. The repayment of loan is prompt and regular, and after monthly repayment, each members get Rs. 100/- daily as wages. Now the Corpus Fund of the group comes upto Rs. 25000/-.
On evaluating the functions of the group, it is seen that they have a lot of achievements to be shown. Presetly the group is capable of catering to the nearby villages in various functions.

PAVIZHAM SELF HELP GROUP KOONAMMAVU, N.PARAVUR.

A Self Help Group is formed of some lady members of 12 families residing as neighbours at eh eastern side of Koonammavu Chitrpuzha Bridge in Kottuvally grama Panchayat and name it “Pavizham”.
An account has opened in the Co-Operative Bank, Valluvally in the name of the SHG on 10.7.2002. Ten members except the 2 others who withdrawn their self from the SHG, well co-ordinated the Unit and functioned well. In the weekly meeting they discussed seriously to find out job. Hence to increase own income.
After the first grading on 27.3.2003, Rs.25,000/- received as loan and subsidy. With this amount , supply of edible items, sale of packed dried prawns , sale of cloths, provision items etc. was conducting on. In the discussion to undertake more items to increase the income, suggestion was brought out to conduct a flour mill as there was no such things nearby. Application submitted in SCB.Kottuvally for loan, for thus consulting with concerned LVEO. On 19.4.2004, Rs.2,00,000/- was sanctioned and Rs.1,00,000 as loan and subsidy each. 1.5 cent land was purchased for this unit from a member of the unit and built a shed for the flour mill and erected necessary machines. Flouring of food grains of customers and door sale of the packets of the same is well going. At the same time sale of edible and other sub workers are also going well.
Loan is refunding without fall. The SHG members will become owners of the firm after completion of the remittance of loan amount.

CHAITHANYA SELF HELP GROUP, GOTHURUTH CHENDAMANGALAM, N.PARAVUR

On 7.2.2001 a Self Help Group was formed by some women of 10 families of equal status in central sector of Gothuruth in Chendamangalam Grama Panchayat and named as Chaithanya SHG. Concerned V.E.O and the Official of the Block Development Office , North Paravur had given necessary guidance in forming and functioning of this group. Account has been opened and Started deposits in Service Co-operative Bank, Chendamangalam.
After Ist grading the unit received Rs.25,000/- as Revolving Fund ( Rs.10,000/- Subsidy and Rs.15,000/- as Bank Loan) with this amount sales of provision items, edible etc. are conducted. After 2nd grading to make more income applied for a loan for a project of making brooms of coconut fiber and received Rs.2,50,000 ( Rs.1,50,000/- as loan and 1,00,000/- as subsidy) on 23.11.2004.
The unit members learn to make brooms . Coconut fiber taken from decayed shells after that, colouring and drying this fiber. By using the paste they make the shapes of brooms.
This broom is attractive than the grass broom of other states and very useful to sweep out dust.
These brooms sales in houses, shops, festivals and melas. 1.5 cent land has ben purchased to build their own shed. The SHG is progressing in a desire of carrying better income on better development of sales.

AIWARYA SELF HELP GROUP KAITHARAM, N.PARAVUR.

Aiswarya Self Help Group is functioning in Kaitharam in Kottuvally Grama Panchayat including in Paravur Block area in Ernakulam District. Its formation was by a family meet of the natives of that place on 2.6.2001. The group was formed of a continues counseling for a few days. An account was opened in State Bank of India, Cheriyappilly Branch in the name of the group and each members deposited Rs.10/- each on week.
The first grading of the S.H.Group conducted on 14.1.12003. A Revolving Fund of Rs.25,000/- has sanctioned to the group. In this Rs.10,000/- was subsidy amount and Rs.15,000/- was bank loan. A Women’s hotel was started inside the Block Office Compound and a provision shop was started in the residence of one group member.
Hotel was progressive and the provision shop failed and as a lesson the provision shop stopped and the women hotel remained in existence with sale of curry powders in a small scale. The office staff and elected members and outsiders depended this hotel and this turned as a main economical source. By the by catering orders are received from various functions. The group did’nt accept the SGSY financial loan fear of burden of huge amount. Catering was increased and the group came in aware of no existence only with the Revolving Fund, they were advised friendly to accept loan to enlarge the programme by the Block Officials. In this ground 2nd grading was done and SGSY assistance sanctioned on the success of grading.
The programmes was started sanctioning financial assistance in the name of 10 members of this unit during the financial year 2005-06. The loan was given for catering and curry powder business. Rs.62,500/- was subsidy and Rs.1,87,500/- was loan amount. Vessels and furniture for catering has been purchased. Now necessary working capital is also available. Now Loan insalment is refunding without fail.
Now the unit is goes well in a building inside the Block office compound. Catering does well in a medium rate for marriage and other functions and supplying of curry powders at the same time.
Arise of the unit stands as model by hard work from nothing. Now a days in the case of necessary of food items in Kaitharam surroundings, the Aiwarya SHG is considered as first one. They are grown very familiar to this place.

Anaswara SHG Kunnissery. Parakkadavu Block Panchayath, Ernakulam Dist

Kunnissery is a village, 5 km away from Nedumbassery International Airport. Women in this village who were very poor and unemployed, grouped together to form SHG group in August 1999. In the beginning 10 members were ther. Group was named as 'Anaswara' SHG. Presently, 18 members (Among this, SC-2), Christian - 2, Muslim - 14) are there.
They started to save Rs. 10/- through small saving scheme. After six months. They received an amount of Rs. 10,000/- as revolving refund 15,000 as loan. ''Pappad Production Unit’’ and the same is now on going.
In March 2006 from Athani Union Bank, a loan was sanctioned for this Unit as per the scheme of SGSY. The loan amount was Rs. 2,75,000/- with the subsidy.
Of Rs. 75,000/- By utilizing this loan amount they started a production unit of detergent Powder, Phenoil, squash and fruit jam etc. Pappad, detergent Powder, Phenoil have good demand. So they have got a good amount as earning after monthly payment of loan amount.
Also this society provided emergency loan for unit members in necessary circumstances like marriage, medical aid and demise etc from thrift deposit.
Earning of women make their life more comfortable and satisfactory. Which was depending meagre earning of male family member earlier. Thus women became capable to spend money for nutrition food and education of their children.

Sowbhagya SHG Parakkadavu Block Panchayath, Ernakulam Dist,

Puthanvelikkara Grama Panchayat under Parakkadavu Block is blessed by the soft touch of the river Periyar, which is referred as 'Poorna' in Puranas.
Being embraced by the Subways of river Periyar in three directions, Puthenvelikara Grama Panchayath is blessed by the most fertile soil.
In this village, 10 socially backward women formed a SH Group in June 2001 and named as 'Sowbhagya SHG'. One SC woman and nine general category women are the members of ''Soubhagya SHG'' Production of curry powder, sale of grocery items were the earliest activities. Thus, when they got Rs. 10000/- as revolving fund, and 15000/- as loan unit became well settled.
In March 2005 this unit received Rs. 298000/- (220000/- as loan and 78000/- as subsidy) as financial assistance through Puthenvelikkara branch of Catholic Syrian Bank. This money used to start cultivation of jasmine which are dwarf in nature. 150 pots were used by each member to cultivate jasmine. Besides this they cultivated in prepared fields also.
When six months jasmine plants to form fragrant buds and thus caused to form colourful ambitions in minds of members also. Each member is receiving 300 gm jasmine in average condition. They got Rs. 100/- per kilo from Mangalya Society, North Paravur. In season, they got Rs. 350/- per Kg as cost. Another plants as Rose, Thulasi etc. have been planted by them. They receive a good amount as income after montly retrun payment of loan. Cultivation of fragrant jasmine flower helps to form the life of Soubhagya SHG members with fragrance. Their family members also became healthy and happiest.

APARNA SHG Parakkadavu Block Panchayath, Ernakulam Dist,

As a part of women empowernment a silent revolution on behalf of self supporting groups has taking place in Kerala. In our society women, the weaker section who fion ages have been suppressed are emerging in all fields. In our male dominated society emergence of women self supporting groups have contributed to a lot of changes in the family. Earlier men were the sole bread - winners of the family. But now with the emergence of self supporting groups women have come forward to work ie, in cultivating tapioca, grains, vegetables it has improved their financial status.
Through SHG groups women have become independent simultaneously gaining lot of self confidence. When compared to the earlier times current women have come forward to claim their rights and have also started participation in public functions.
Women who have no recognitions in society who suffered the hardships in life is silence are now reliant and has gained confidence to work in all fields. The ''Aparna '' SHG under SGSY of Chengamanad Grama Panchayath, Aluva Taluk in Ernakulam District is a typical eg. of the group work. The group was formed in March 2002.
This society comprising of 20 members has received Rs. 10000/- as revolving fund and has also received Rs. 15000/- as loan after a year. Later with this amount this group cultivated paddy and tapioca. The harvest was fruitful. In this manner they started receiving money as income in small account Every week there was a meeting of group members and Rs. 10/- was collected as thrift and later deposited in the bank. After assessing the activities of the group Union Bank, Athani advanced a loan or Rs. 24000/- for starting hiring unit and from this amount subsidy of Rs. 120000/- was granted. They arranged plastic chairs, tables, grinders, gas stove, electric coconut grater, temporary built in shelters, tarpaulin , bamboo and vessels etc. This unit started functioning well without the help of men.
This group has the potential to finance for the marriage of the daughter of every group members (30000/- each). When compared to other groups this group has the financial capacity to help every group members in the case of conducting the funeral rites of the family members of this groups. This group also help financially for people suffering from serious physical ailments. Secretary Usha and President Mrs. Ramani said that the started of living had improved and peace and happiness started prevailing in all families. This group has received all helps from Block Development Office officals.

POURNAMI SELF HELF GROUP – OORAMANA PAMPAKUDA BLOCK

Ooramana is an interior village in Ramamangalam Grama Panchayat in Ernakulam District – “Maattoms” – Small clay pots which is being widely used by the Toddy workers for collecting Toddy comes from Ooramana. “Pournami” – a Self Help Group of 15 women, assisted by the Pampakuda Block under the SGSY scheme, is engaged in the activity of Pottery making, especially these “Maattoms”.
“Pottery making”, which is a traditional handicraft of Kerala is becoming extinct with time. When the new generation is relectant towards practising such traditional crafts, the courage shown by the women of Pournami Group is to be appreciated.
Pournami SHG is ‘ having 15 lady members belonging to the ‘velar’ community. The unit was constituted on the 14 of January,2001, as a result of the efforts of the Village Extension Office, Ooramana. The group was registered under Pampakuda Block. The group grew gradually through internal loans and other activities. On 24.07.2002, the group had its first grading followed by a matching grant of Rs. 5000/-.
Initially, the group members thought of manufacturing commonly used household potteryware. But owing to the guidance and support from the Block officials, they have decided to try a new venture – the manufacture of “Maattoms” which is having a huge demand in the Toddy business.The development of the business in the beginning was slow paced, due to the lack of enough capital, to produce as per demand. Shortly, the business flourished. Then there was a serious thought among the members about further development. Their major needs were to find a common work place for increasing the production. Then there was the question of Money. Pampakuda Block was at their help once again.
An amount of Rs.1,50,000/- was sanctioned as loan with a subsidy of Rs. 75,000/- through Union Bank of India, Oorammana. Using this, the Group could build a ‘work shed and collected enough raw material. Then, there was no turning back. As a part of product diversification, they have started making Garden pots. Thus Pournam’s fame crossed the boundaries of Ernakulam District and reached up to Palghat.
Today, the “Maattoms” produced as a whole is being sold at Palghat alone, each costing Rs. 25/- . Even advance booking is needed to get the product in time. Men, who were making fun of these ladies, initially, have now started helping them. The raw material is being collected from distant places like Vaikom and Nedumbassery. Scarcity of the raw material if the major problem faced by the unit.
The manufacture of “Maattoms’ is a multistaged process. Each and every member of the Group are having their roles. The process begins with the careful mixing of clay, sand and water, in the correct proportions. It is then thoroughly mixed, until the mixtures is having a sticky texture. Then comes the most strenuous part of the process, ie, formation of the ‘pots’ with the help of a turning wheel.
As this stage of the process requires much effort and strain, they are performed with the help of males. The next stage involves the beating of the pots with specially made wooden logs, to bring them to the unique shaps of the ‘Maattoms’. Such beaten ‘Maattoms’ are sun dried and baked in Choolas at stipulated temperatures.
In monsoons, the Group member have to take a break from their activity as there is no facility to dry the pots. In order to maintain the continuity in the income, the Group members are thinking of some other activities like ‘Goat rearing’.
The Group is leaded by a 5 member Committee with Smt. Indira as President and Smt. Ammini as Secretary. The Bank loan has already been repaid upto 70%.
When most of the other groups choose activities like ‘ provisional store’ which do not require much physical efforts, Pournami’s success even after choosing a tedious and strenuous activity, stands apart. The Group members themselves are satisfied with the performance of the Group and the income they obtain from their job. By the time, many Central Government and State Government teams have visited the group to see their success. All the 15 women of the Group found a new life through SGSY and they are highly contented with the same, as evident from the happiness in their faces.
Pournami, Which means a ‘ full moonday’ has enlightened many lives with Glory of a full moon day.

GRAMAJYOTHI SELF HELP GROUP, ELLIKUNNU, PALAKUZHA

The success story of Gramajyothi men’s Self Help Group in Palakuzha Grama Panchayat in Kerala state was proved that SGSY can change lives. It also tell how units of the youth make miracles.
In the village Ellikunnu, most of the villagers are agricultural labours but opportunity for employment is seasonal. In this circumstances Pampakuda Block Panchayat brought here the message of SGSY and inspired the unemployed youth to form an SHG.
Thus Gramajyothi SHG was formed on 2nd October 2003 as per SGSY Guidelines controlled by Pampakuda Block Panchayat.
The eleven members of the unit joined every week and collected a thrift of rupees ten each. The unit opened a thrift and credit account in Union Bank of India, Palakuzha Branch and worked in co-operation, with a determination for self-reliance.
During this time they have created a harmonic relationship with the Block Panchayat and the Bank. They discussed their problem with Block Panchayat and Bank.
After successful six months the SHG allowed its members loan from the thrift account. It really changed the day to day life of the members.
The Bank expressed satisfaction over the SHG and conducted first grading of the unit, and sanctioned revolving fund. The Block Panchayat sanctioned a subsidy of Rs. 10,000/- and the Bank sanctioned a loan amount of Rs. 15,000/-.
Making use of the Revolving Fund and the units share, they started micro enterprises like Copra Processing (coconut oil production) Banana cultivation, production of pickles, vermin compost etc. Copra- processing was the main activity. They collected coconut from the local farmers and produced coconut oil using traditional methods. The pure and hygienic oil became very popular and they named the Brand name “Gramika” for it.
During this time they have co-operated with various developmental activities of the village. They started an agricultural marketing center, and collected agricultural products like turmeric, ginger, banana from the local farmers at fair price.
After second grading the Block panchayat submitted application for loan to the Bank taking copra-processing and agricultural marketing center as the main activities. Union Bank of India, Palakuzha Branch has sanctioned a loan amount of Rs. 2,01,250/- and the Block Panchayat sanctioned a subsidy of Rs. 73,750/-
The unit had pocessed a building for rent and arranged all infrastructures for their activities. They bought copra-drier, Bottling unit, related accessories and started production of coconut oil. As they could not buy a mechanised expeller the production of oil is done by traditional ways. The bottled “Gramika” coconut oil is marketed in the neighbouring villages also. “Gramika” became very popular for its unique quality.
Thus their dreams fulfilled and the activities through SGSY has really changed their lives.
All of the members become self-reliant and their socio economic status increased.
But some of the dreams are left to be fulfilled. An owned building, fully mechanised expeller, a vehicle for marketing are very essential. The Block Panchayat is committed to help the group in this regards, in the coming years.
However, over just an SHG, Gramajyothi has became an indivisible part of the village. They conducted medical camps, seminars on various subjects, co-operated with Grama Panchayats project.
Taking inspiration from SGSY , Gramajyothi became the “light” of the village.

AKSHARA SELF HELP GROUP, ONANKKOOR, PAMPAKUDA BLOCK

Akshara is a Self Help Group of 14 women of Onakkoor, a remote village of Pampakuda Grama Panchayat. The group was formed in 2001. Most of the people here are depending on agricultural for their lively hood.
Onakkoore is a place where the infrastructure facilities have not yet reached. It is a remote place having agricultural importance and 3km away from Pampakuda Block Panchayat.
Most of the women are coming from financially backward families, either not even having their own houses or having very small area of land. Yet their standard of living improved a lot after they have formed the Self Help Group . “:Akshara” with the support of Pampakuda Block Panchayat through the Village Extension officer of Onakkoor. Group members conduct the meeting every Sunday and analyse their performance. They have opened a Saving Book Account in Bank of India, Anchelpetty to deposit the thrift amount collected at the rate of rupees 10/- every week.. Now they have a Saving amount of Rs. 51,330/- (Rupees. Fifty one thousand three hundred and thirty only) and it is distributed among the members as small loans. Group members are promptly repaying the thrift loan within the loan period.
The group members are hard working people and self confident. They have started their agricultural activities with the intention of increasing the financial status and upgrade their lives. Their major cultivations where Tapioca, Paddy, Bitter guard, Pulses etc.
Groups first grading was done on July 11, 2002 in Bank of India, Anchelpetty branch. They got the cash credit of Rs. 25,000/- including a subsidy amount of Rs. 5000/- with the help of their savings and cash credit amount they have stared agricultural activities in their small land areas and lease lands.
Second grading was done on December 4th, 2005 in Bank of India, Anchelpetty, After that the bank authorities realise the confidence of group members and satisfactory performance. They allotted the SGSY loan of Rs. 2,00,000/- which is including a subsidy of Rs. 50,000/-
After getting the SGSY loan the group members extended their activities. They took an additional land of 1.5 acre for lease and started the cultivation of paddy, ginger, tapicco etc. . They had a turnover of the first harvest itself of Rs. 45,000/-
Self Help Groups are very helpful for the social, financial and cultural renovation. Akshara SHG is actively participated in the medical camps and sanitation programmes in Pampakuda Block Office and also they are actively engaged all other social programmes. Group members are in reach of new outlets for selling their products. The Secretary of the group is Mani Gopalakrishnan and President is Kochurani Baby. By now they have repaid an amount of Rs. 35,000/-in the loan account.
PAMPAKUDA BLOCK

SNEHA SHG PERUMBALLOOR, MUVATTUPUZHA BLOCK PANCHAYAT

Sneha SHG is functioning in the Perumballoor locality which is part of Arakuzha Grama Panchayat in the Muvattupuzha Block. This is a group formed by women from eleven households who did not have a permanent job or regular income. Perumballoor is an Agrarian Economy. Coolie works associated with agriculture would fetch some income to their households, but this was not enough to keep the house fire burning. The group was formed as a result of an awareness campaign undertook by the VEO. He convinced them that they could find a source of regular income through a Central Government Scheme named SGSY and thus closing the doors on poverty forever. Besides he made them confident that through the formation of SHG, they could develop a unity among the households in the neighborhood and it could be utilized for the benefit of the society.
On 14th February 2001, the Group was formed in a meeting convened by the VEO. It was christened ‘Sneha Self Help Group’. Ms.Leelamma John and Ms.Prasanna Krishnankutty were elected the President and the Secretary of the SHG respectively. In accordance with the guide lines issued by the Central Government in this regard, a by-law was drafted for the group and the same was endorsed by the group. The group started functioning after duly obtaining its registration from the Block.
An account was opened at the Union Bank of India, Arakuzha Branch, for depositing the thrift sums of the group members collected and as and when the need arose, the group members were sanctioned loan through that account. As the group performed well in this passion, it took the first grading on 13th February, 2001 and the group emerged with flying colors. Consequently, the group was granted a revolving fund of Rs.25,000/- and it was imparted Basic Orientation Training.
Utilizing the sum they received as revolving fund, the group leased land and cultivated tapioca and plantain. A soap manufacturing unit was also opened. The group succeeded in running these ventures and it also ensured a small but steady income to the group members. Buoyed by the success of these ventures, the group members determined that they should ensure a permanent income and as such they should open up a large-scale venture and this wish had been conveyed to the VEO. Accordingly the group had to undergo the 2nd grading on 20th October 2004 and it got through the same.
Following the successful grading, the VEO convened a meeting of the group, and it was unanimously decided that they would start a Super Market in SGSY Sales Outlet, Perumballoor. The group then applied a loan for this venture at Block Office and it was granted a loan of Rs.1 Lakh and subsidy of Rs.1 Lakh through Union Bank of India, Arakuzha Branch. Using the 2 Lakh rupees the group received by virtue of the loan and subsidy, a Super Market was opened in the SGSY Sales Outlet at Perumballoor selling assorted goods like grocery, provisions, vegetables and fruits and readymade garments.

The Super Market opened by the group was a blessing for the local people who had to depend on Muvattupuzha town for the purchase of essential commodities. The group was appreciated by the local people for distributing good quality products forfeiting too much profit. It also ensured a regular income for the members. Two of the group members deal with the financial transactions while the other members handle other tasks like transporting goods and maintaining accounts. The group members are a complacent lot today as they could start a venture beneficial for the locality, at the same time this could provide them with a permanent income as well.
The group has taken special care in the management of the Super Market and in the repayment of the Bank Loan without default. The group is fortunate to receive immense co-operation from the VEO, Block Authorities, Bank Manager and all those concerned. The group also stands as a united force thus serves for the locality’s development in socio-cultural sphere. Thus ‘Sneha SHG’ continues its triumphant journey, serving as a model for the local people as well as for other Self Help Groups.

DEVAMATHA SHG KALOOR, MUVATTUPUZHA BLOCK PANCHAYAT

The success story of Devamatha Self Help Group bears testimony to the fact that united strength, love and mutual trust can be utilized for the good of individual and the society.
Devamatha Self Help Group was formed by the women of eleven families in Kaloor area of Kalloorkadu Grama Panchayat in Muvattupuzha Block. It was the Lady Village Extension Officer Ms.Jancy Issac who gave the requisite guidelines for the group. The group started its functioning by holding weekly meetings and opening up small-scale savings. They opened an SB account in the Federal Bank, Kaloor Branch and deposited their savings there at. The group lends money to its members for their various ventures. Rectifying the fondling problems and by making repayments without default, the group paved way for its first grading.
The limited savings could be used for some urgent needs only. So the members realized that they should take up some new venture that would enhance their income and in turn their standard of life. The group could secure ‘A’ grade in the first grading conducted on it on 27th January, 2004. As a result, it was granted Rs.50,000/- as revolving fund. The group decided to start a new venture, utilizing these funds.
Kaloor is an area that encourages people engaged in animal husbandry. In our times, the consumption of milk produce is on the rise. Realizing these facts, the group decided to start goat rearing. The success the group achieved in this venture buoyed the spirits of the members and this was transformed into their households.
In 2005 January, the group secured ‘A’ Grade in the 2nd grading conducted. Brimming with confidence, the group took a decision to start dairy units. The group stood to benefit a lot from the two day camp on ‘Animal Husbandry’ conducted by Muvattupuzha Block Panchayat. For the successful running of the venture, the Federal Bank granted a loan of Rs.2,61,000/- to the group of this, Rs.69,940/- is the subsidy given by the Block.
Now, the members of the group can well manage to make their both ends meet. Before the formation of the group, it was the days of hardship and misery for them. Besides these Devamatha SHG could spread among the people the idea of Self Help Group and its many benefits.
Devamatha SHG is one of the best Self Help Group in Muvattupuzha Block.

AISWARYA SHG AYAVANA, MUVATTUPUZHA BLOCK PANCHAYAT

‘Ambattucolony’ is a neighborhood preponderated by poor coolie workers. This locality is a part of 12th ward of Ayavana Grama Panchayat in Ernakulam District. There are twenty families residing here in dilapidated hutments facing acute shortage of potable water coupled with problems like un motorable roads and the irk. The women of these houses were unemployed even as they lived in penury. It was at this juncture that the SGSY scheme reached their households.
In January 2001 the VEO met the residents of this area and sensitized the people about the need for floating a Self Help Group and the benefits they would receive as part of this scheme. At first none volunteered. But the persistent coercion and encouragement from the VEO made them confident. Thus 12 women from the BPL families formed a Self Help Group christened Aiswarya SHG and elected Geetha Biju as its Secretary and K.A.Raji Mol as its President. The group then obtained its registration and started functioning. They also opened a thrift and credit account at State Bank of India, Ayavana Branch.
Till date the group has an account balance of Rs.55,000/- and it could lend a mutual loan of Rs.48,000/-. Besides it could give Rs.13,000/- as treatment aid for the group members and Rs.2500/- as donation of 2 persons outside the group. In October 2001 the group secured 130 marks out of 150 in the first grading conducted. Consequently the group received Rs.25,000/- as revolving fund and it was utilized for Pineapple cultivation. Though Pineapple farming proved profitable, the difficulty in obtaining land for the same forced the members to think about some new venture. Many members opined that note book production would be a nice choice; given the fact that such a unit was not there in the locality or in the vicinity. Accordingly, group members Sindhu K.N. and Mary Jose were nominated to undergo training to learn the know-how. Thereafter a book binding unit was opened utilizing the revolving fund and the loan availed from the savings. In the just gone by financial year, this unit was able to sell off note books worth Rs.50,000/-. Features of these note books like good quality paper, manual binding, attractive cover and low cost etc., created a good demand for them. The group decided to retain the unit as it could sell off all the books produced and more importantly it could secure good orders for next year. The group decided to open a DTP and a Photostat Centre combined with Stationery so as to ensure employment for every group member.
In July 2006, 2nd grading was conducted and the group vowed to implement the decisions they took. On the anvil of the group is a project worth Rs.36,700/- ;that is to open up a Stationery-DTP-Photostat outlet and a Book Binding Unit at SGSY Sales Outlet, Ayavana. Through this, the group expects employment and income for every group members and there by better standard of life and happiness in their lives. For this, the group is fortunate to receive the support and co-operation from the Bank Manger, BDO and VEO.
A group of women, who used to spoil their time blaming their pitiful life standards and backbiting, are now a happy lot. Now they can boast of running a firm, and earning an income. One can see their beaming faces, radiating happiness and pride. And of course, a thousand bouquets of gratitude to the government, Block Officers, Bank Manager and the VEO. The successful journey of the Group continues, hopeful of the support and co-operation from all in the times to come by.

BEAUTY PARLOUR, MULANTHURUTHY BLOCK

Smt.Mini Appu was a trainee under TRYSEM which was a component of erstwhile IRDP and undergone training on Beautician course conducted by Mulanthuruthy Block Panchayat. She got additional experience as a trainee by joining various parlours in city. This trainings and experiences got confidence in her for opening a new Beauty Parlour in her village. For fullfilling her dream, fianancial assistance was needed. In this connection she approached the concerned VEO and through the SGSY scheme received financial assistance of Rs.25000/- in which subsidy is Rs.10000/- from Service Co-operative Bank, Keechery.
She opened a new Beauty Parlour near Aranankav, south end of Ernakulam District. Beauty Parlour and health clubs for ladies is a common sight even in small towns of Kerala. But here in the beginning, it was very difficult to get customers. The villagers dare to approach this Parlour, as they were not ready to spare their time and money in this connection. Also they are not concious about their beauty. Gradualy fear and suspect from the villegers disappeared and they were ready to co-operate with its functioning.
The additional earnings from this Parlour was a great boon to her family and relief in emergency situations like hospitalisation of her husband. In off-season, she is getting extra incomes from side activities like sari printing and embroidery work. This additional income helps her to provide proper education to her children. Now the parlour is working in its full swing. An average income of Rs.5000/- is getting from her parlour after deducting all expenses. She is also very happy to appoint two trainees in her shop and planing to open another beauty parlour, annex to this parlour near by village.
Her success may also give inspiration to the people and may prepare young people to take up the role and responsibility to give desired share for the prosperity of the nation.

NANDINI SHG, KULAYETTIKKARA, MULANTHURUTHY BLOCK

Nandini Goat Farm, Mampuzha | Amballoor Panchayat | Mulanthuruthy Block Panchayat.

Amballoor is a village comprised in Mulanthuruthy Block situated at the southern end of Ernakulam district. The villagers are mainly engaged in Agriculture and allied activities along with agriculture cultivation. People engaged in DAIRY and goat farming as income generating activities through organised SHG activities. Nandini, SHG consist of 13 women members includinmg 1 SC is functioning in the west side of ward XII in Amballoor Panchayat. All of them are living in BPL and are engaged in various agricultural activities.
After grading process as envisaged in SGSY guidelines, they got assistance under SGSY for a Goat farm name by ‘ Nandini Goat farm ‘. The financial assistance was sanctioned from UBI, Neerpara with a total outlay of Rs.3,31,400/- of which Rs.100000/- is subsidy. They rented the land for goat rearing and constructed a common shed and purchased 55 Goats. All the members are care of the goats very properly and the unit is a model SGSY unit.
The Goat Farm was started under SGSY scheme with joint guidance and assistance of Mulanthuruthy Block Panchayat and Union Bank of India, Neerpara branch.
The unit is able to earn Rs.25600/- per month by selling 16 goats. After the repayment of loan subscription and meeting of other cumulative expenses they are getting a net income of Rs. 2000/- per head per month.

SAGARIGA SHG, KUREEKKAD, MULANTHURUTHY BLOCK

Sagariga SHG is a group of women reisding in Chottanikkara Grama Panchayat, (Ward XIII). This group started in 11/97 and contains 13 members and all are came from BPL family. There are 12 SC members and one other caste member. All are educated and minimum standard of SSLC. The President of this group is Suvarna Saji and Secretary Rajamma Raju. All the members got training in coir making and they are interested to start a coir making unit. Their Thrift deposit is 29054/-. The unit hgave passed the first grading and got RF worth Rs.25000/- from Vijaya Bank, Chottanikkara Branch.
In 2005-06, the 2nd grading of the unit completed and availed 200300/- for starting a coir making unit. The loan amount is Rs.134300/- sanctioned from the Vijaya Bank Chottanikkara Branch and subsidy worth Rs.66000/-. All are experienced in coir making. Before giving assistance their living condition is very poor and they depend mostly in agriculture sector for their livelyhood. After getting loan they had started a coir making unit. They have four machines (Ratt) for producing coir. After buying the Ratt the production of coir is very easily and more profitable. Before availing loan, they produced coir products mannually. Average income through mannual coir work is very low compared to machine production.
After machanisations, coir making is more profitable job. Before giving assistance they could purchase small quantity of rawmaterials and produce small quantity of products. After getting assistance they can purchase the rawmaterials bulk and produce large quantity of coir.. The loan amount of Rs.134300/- is being repaid promptly. The monthly loan installnment is fixed Rs.4355/- . They had repaid the loan amount of Rs.61071/- upto 29.5.2007. Loan out standing as on 29.5.2007 is Rs.149237/-. Each members of this group get Rs.2000/- as monthly net income from this unit. Ie. The group earned Rs.26000/- as income per month.
Briefly speaking, this group functioning very well and all are engaged in the production of coir making. All the members of this group have sincerely co-operate in their functioning. As such the unit have become a viable SGSY Project through sustainable income.

GRAMA JYOTHI VANITHA SHG THIRUVANKULAM, MULANTHURUTHY BLOCK

Ten women members of 10 BPL families of Thiruvankulam Grama Panchayat had decided to form a Self Help Group to meet their day to day financial needness. On 3.3.2000, they organised themselves as a group and named as Grama Jyothi Vanitha SHG. They had opened a SB Account in the name of President and Secretary of the SHG at South Indian Bank, Thiruvankulam and conducted regularly meeting on every Monday for thrift collection and to sanction credit among members. The whole activities of this group is being controlled by the Block Panchayat authorities and the field level functionaries of Block Office. The group was undergone 1st grading as per the norms of SGSY and sanctioned RF Rs.25000/- as cash credit facility to enhance their financial management capacity. In the meanwhile they got an idea for a catering service. After procuring necessary equipments, catering service was started. They got good response for this activity. The idea to expand this project is discussed with the Block Development Officer, Village Extension Officer and Block Panchayat for which a detailed project report was drawn and placed before the South Indian Bank, Thiruvankulam as a model SGSY project with a total out lay of Rs.250000/-. In addition to the catering service, project for Ironing of cloths had also attached with the main project, This additional activity helped them more for engaging all of the group members in one or other activity.
The Manager, South Indian Bank, Thiruvankulam had sanctioned the project and disbursed the loan on 28.3.2005. Now a days the Project is running very smoothly and all group members are earning a net monthly income of above Rs.2500/-. The repayment of loan is very prompt. This project is considered as one of the model SGSY unit of Mulanthuruthy Block Panchayat.

SAGA OF THALIPPARA

As the bus was running slowly through hilly road my mind was getting excited by the sights. Bus reached “Mamalakandam”-a place which is densely populated with small and marginal farmers. Many of them are BPL families. After a turning at Pazhampillychal, the place where earthquake took place long ago, the bus was running fast and reached at Chamappara at 11.30 AM. Sri: Gopinathan was waiting for me there He is the secretary of Nethaji SHG consisting 14 Members. Two of the members are belongs to scheduled tribes .The SHG has a Thrift Account with the UBI, Neriyamangalam. After completing the 1st grading with 158 marks The SHG has got loan for Rs: 40000/-and SGSY subsidy of Rs. 10000/-as Revolving fund. The SHG members collect forest products including honey and sell in the market at Muvattupuzha, a nearby town.
The pass book of the SHG showed a balance of Rs.120000/-as savings in the thrift account.The President reported that it includes profit from the business.
After successful completion of 2nd grading, the Group has formulated a project to make sheet rubber from raw latex. Accordingly a Project Report for Rs.500000/-submitted to bank and requested the eligible subsidy from SGSY. An amount of Rs.375000/- has been sanctioned as loan and the subsidy of Rs.125000/- from the scheme. Now the SHG has started the project by collecting rubber stain from the farmers. They are earning more income from this group activity. Their unity and hard work made them prosperous. Now the SHG has purchased 5 cents of land so as to enable them to extend their activities. A work shed which is allotted by Block is now on completion.
The Kuttampuzha Grama Panchayath is witnessing such a glorious saga of Nethaji SHG in these days.

KARUNA SHG –PAINGOTTOOR - A PROSPEROUS STORY OF UNITY.

On the occasion of visiting the SGRY work site at Manipara a remote village of Paingottoor Panchayath. During the first week of March 2003, The VEO Kadavoor met two labours at the work site Sri.Jaimon& Sri. Abraham. They are very poor and engaged in rubber tapping and other agricultural activities. They are struggling to manage the expenses like food, medicine educational expenses etc. They explained their hazards to the VEO and he visited their houses .The VEO explained about the SGSY scheme implemented through BPL families. They became interested and decided to form a SHG. On the next Sunday itself they conducted a meeting of the interested labours at Jaimon`s house
On the light of the explanation by the VEO & Ward member they decided to form a Self Help Group. Accordingly Karuna SHG has been formed and elected Sri.Jaimon and Sri.Abraham as President and Secretary respectively. After that they opened an a/c with UBI Kadavoor. (A/C No.5521)on16/03/03.This Group conducted meeting regularly and prepared all the registers and other records .As the planned activities they have passed 1st grading on 19/08/04 by obtaining 141 marks. At this time their cash savings was Rs.25600/-.They have obtained Rs.40000/-from bank and Rs.10000/-as subsidy from Block. After that they started a milk collecting and sales centre in a rented room. Now they were collecting milk from all the 13 members and other local farmers.
After passed the second grading on 25/08/06 they got loan Rs.250000/- from the bank and subsidy of Rs.125000/-from SGSY. for the cultivation of pineapple in3.5 acres and paddy in2.5 acres of leased land.
Now all the members of the Group are very confident and optimistic. Now they have got courage to face the problems especially financial problems in day today life. This great achievement attracts other poor families in Paingottoor Pachayath to select a prosperous way to success.

SREELAKSHMI SHG -PINDIMANA

Sreelakshmi SHG was formed on 05/05/2002 in the 2nd ward of Pindimana Grama Panchayath in Kothamangalam Block Panchayath. This Group consists of 10members From BPL families. They conduct their group meeting in every week without fail and collected thrift and deposited in their Bank Account with Union Bank Of India, Muthankuzhy Branch The First grading of this group has been conducted on 11/08/05 and sanctioned Revolving Fund of Rs.10000/-as Government assistance and Rs.15000/-as cash credit from the bank. Then they started various activities like goat rearing, soap making, and jasmine cultivation. Out of this jasmine cultivation and soap making are more profitable to them.
After the 2nd grading on 01/08/2006 they are selected for more financial assistance under SGSY scheme. Now they have got loan for Rs.250000/-with subsidy of Rs.62750/-.Five members of this Group has engaged in Jasmine cultivation and the others in the production of soap and soap products. More than 2500 jasmine plants were cultivated. About eight kilograms of jasmine buds were obtained in a week. The members spent an average of two hours per day for the cultivation .They sold the buds at a co-operative store at Kothamangalam. The President of the SHG Smt Dolly James said that the jasmine cultivation is very attractive and daily income generating programme. They are planning for the cultivation of the medicinal plant “Arali”
The remaining Five members engaged in the production soap products such as toilet soap, washing soap, detergent and fabric whitener etc. The members themselves marketing their products by door to door supply. They are now ready to impart training to other interested groups and individuals.

SNEHA, Cheranalloor – Gain of Unity

Cheranalloor, a small and undeveloped village in Koovappady Grama Panchayat belongs to Koovappady Block Panchayat in Ernakulam District of Kerala State.
Women in this area are weaving ‘Panambu’, a Malayalam term meaning Bamboo mat for their livelihood. They have no other means to support their family heads. The people belonging to this field had no co-operation and inter-dependence. There were no awareness programmes which could give ideas of co-operation and organization. In this situation, with the help of the Block Panchayat, we understood and became aware of how we can organize women who have no jobs and to form the Self Help Groups.
Even though the poor families of Cheranalloor village were willing to do hard work for their livelihood, they had neither money to invest nor any supporting situations to fulfill their dreams.
The people in this area depend on the Koovappady branch of Union Bank of India and Cheranalloor Service Co-operative Bank for taking loan. But, we, the poor people of the area, do not get loans or any assistance from these financial institutions due to our poor capacity of repayment. Our family heads had some farming and that was the only income of our families. We were below the average standard of living and could not provide good education to our children. Our families were Below Poverty Line. We were of no pucca houses and sanitary latrines of our own and there were no pucca roads for easy transportation. There were neither marketing facilities nor trading institutions in the area.
Meanwhile our Group leader happened to know about the SGSY scheme and Self Help Groups. Then she contacted with our Village Extension Officer to know more about it. On the basis of the instructions of the Officer, she tried to organize women of poor families not less than 10 and not more than 20 in nearby houses with the help of the VEO. As a result, we, certain women members of nearby houses were joined together in the presence of our Grama Panchayat Ward member. In that meeting, our VEO, Sri. K.T.Baby explained the structure, implementation and advantages of women Self Help Groups. Then, we, the following 12 members came forward with the idea of forming a Group.
We named it as SNEHA SHG, Cheranalloor.
We formed the Sangham and prepared several registers in the name of the Sangham.We opened a joint account in the names of Secretary and President in the Cheranalloor Service Co – operative Bank. We formed thrift to increase the deposit and the capital. Each member deposited a specific amount in the Bank. There were weekly meetings in the members’ houses to discuss and review the activities of the Group. Arrangements were made to avail loans to the members in a low interest rate from the thrift account.
On completion of six months activities, first grading was conducted on 17.04.2002. We became victorious in the grading and a Revolving Fund of Rs. 25,000/- (Rupees Twenty-five thousands only) has been sanctioned to us. This amount consists of Rs. 15,000/- (Rupees Fifteen thousand only) as cash credit of Bank and Rs. 10,000/- (Rupees Ten thousand only) as subsidy from the Block. With this money, Sangham began farming of paddy and vegetables and Soap manufacturing. We used to repay the cash credit in time and avail again as per needs.
The women of the Sangham had a taste in farming. To improve our financial condition, we began to farm paddy in lease land system. Meantime, the Group attained a social status. The members of Grama Panchayat told us to make people joined in the Grama Sabhas. We did it well. The Grama Panchayat authorities entrusted the Group with collecting applications in the Grama Sabhas and directed to help the authorities in the selection of eligible applicants.
Our Group participated in the seminars conducted at Grama and Block level and involved in the sanitation campaigns conducted by Local Bodies etc. As a social work, our Sangham gave cash awards to students of our area who secured high marks in the SSLC examination.
From the inception of the Sangham itself, we used to celebrate Independence Day by organizing cultural competition programmes.
Our Sangham is working in good spirit to improve our activities and wish to begin new employment areas. We discussed and decided to start cattle farming and bamboo mat weavivg. The Group underwent second grading and passed it. Then, the Group has been sanctioned a loan for Rs. 1,60,000/- (Rupees One lakh and sixty thousand only) by the Bank ofwhich Rs. 80,000/- was the subsidy from the Block. The loan was repaid fully in
time. Bank authorities had an impression about the activities of the Group and they had sanctioned a second loan of Rs. 80,000/- for farming and business activities. Under the scheme, we got Rs. 40,000/- being subsidy from the Block. Thus, we got Rs. 1,20,000/- being subsidy from the Government. We began making food items and farming of bush jasmine. Our venture generated money and we repaid the loan amount fully to the Bank.
Our Sangham was formed on 13.08.2001. The members of the Group availed a loan of Rs. 1,84,600/- individually. We are repaying it on a regular basis. We are also repaying the cash credit which we got from the Bank.
Now, our Group members enjoy a good position in the society. If we are in need of some money, we will get loans from Banks without much difficulty. Every year Group conducts annual meetings and cultural programmes of the members. Now, our group completed 5 years service.
Now, our group has a corpus fund of Rs. 71,315/- from which we give short term loans to our members.
Before the formation of the Group, we felt very difficulty to manage the money problems faced on the beginning of the academic year. At that time, we used to borrow money from money lenders on a high rate of interest. At present, the situation has already been changed. Our group provides Rs. 10,000/- each to every members to manage emergency situations. On our insistence in the grama sabhas, roads were made pucca ones and street lights were installed.
Now, the members of our Group are earning Rs. 2600/- per month from the employment and we are proud of improving our status in the society and our standard of living.

DHANALAKSHMI – IN PROGRESS

Some women who belong to the 16th ward of Rayamangalam Grama Panchayat which is under the jurisdiction of Koovappady Block Panchayat in Ernakulam District of Kerala State came to the Panchayat Office to ask about employment opportunities to Smt. Molly Kuriakose, Ward Member of the time. She spoke about ‘ Kudumbasree’ and its advantages. It was a nice idea. About 13 women decided to form a unit. As a result, a new unit was formed on 26.9.2004. The unit was named ‘Dhanalakshmi’. Among the 13 members, a president and secretary were selected. After that, Rs. 50/ was collected from each members and registered in the Grama Panchayat and opened a joint account in the Bank of India, Kuruppampady Branch. The balance of the amount was utilized for buying minutes book,account book and pass book for each members. Every Sunday, all the members were gathered together at the residences of the members one by one and they collected Rs. 10/-each to deposit in the bank account and they put signature in the minutes book writing there names. After that we convened the group meeting according to the agenda. We have discussed our backwardness, reasons for the backwardness and how we can overcome it
Next day, the money was deposited in the bank. After a few months, the members discussed about various employment opportunities. As a result, the members collected Rs.50/- each and bought Chilly,Coriander etc and made it powder, packed and supplied it in various houses. The profit was deposited in the Bank. Each member availed loans from our thrift account in a low rate of interst. In the beginning, members availed Rs. 500/- each as loan. As a result, small needs were fulfilled without depending others.
• Chitty
If an immediate need arises, the members cannot take loan from the Bank in a hurry. So we thought of forming a chitty. Thus we formed a chitty of Rs.2000/-. The Secretary put Rs.500/- in her hand to give urgent loans to the members who had some urgent needs. The balance Rs. 1500/- is deposited in the Bank. This money enabled the members to satisfy their loan needs without approaching the money lenders from other states. This made a new change in the life style of the group members. After 6 months, the VEO conducted the grading. All the members participated in the grading and passed. The members reached the Panchayat to get the Revolving Fund. Then we became aware that the fund may not get from Grama Panchayat. So we discussed the matter in our group meeting and took decision to join Self Help Groups under Block Office and they welcomed us. On the basis of our thrift, we got loan of Rs.25,000/- from the Bank of India. Of this, Rs. 20,000/- is Cash credit from the Bank and Rs. 5000/- is subsidy from the Block Office. Using this money the members did various activities like goat rearing,Soap Powder Business and door to door selling of cloths. We Got much profit . Our VEO encouraged us and told us to do business of a bigger project. So we thought about various activities. Then enquired about machine for making paper cover and told this to the VEO. It was a nice project and VEO asked us to enquire about the project.
Our President and Secretary went o visit a paper cover unit. There, they met a machine worker and he gave the necessary details.
• About the machine.
We enquired about the paper cover machine in an agency of a Coimbatore Company. We got the information that members of the agency can be seen at Ernakulam. When we approached the agency members we understood that the price is too much. Then we became aware of a person named Sanker who knows to make the machine. He agreed to do the work cheaply. We have informed the fact to the VEO. Then VEO also agreed to give the work to Sri. Sankar.
• About the farming
All our 13 members cannot be engaged in paper cover making. So we thought of another project. 5 members decided to do the farming and other five members decided to the work of paper cover. The first five members did the farming of Ginger, Paddy and Plantain. With the help of VEO, we made a project report on these matters.
For that purpose the VEO made a conversation with the Manager of Bank of India, Kuruppamapdy Br. for the group and arranged IInd Grading and the Manager agreed to give sanction for a loan of Rs.6,20,000/ of which Rs. 80,000/ being subsidy. The loan was for paper cover making and agriculture. We bought paper cover machine and printing machine. The Unit was inaugurated by our Block Panchayat President Kum.T.V. Anitha on 19.10.2006. After this, we got the SSI Registration . So we are getting the electricity in a low rate. Our Industries Extension Officer in the Block helped us for this.
With the machine, we can make covers of 10 X 16 to36 X 50 sizes. We are getting orders from ladies centers, backery, hospitals and textiles. Now we are getting an average amount of Rs.18,000/- per month. Out of this, we are repaying the monthly instalment of loan Rs. 10,000/-. At present we have repaid Rs.52,500/. We are trying to get more orders and improve our unit and get more income.
Now, we have no complex to face others in the society. We are proud of ourselves. We have a respectable position in the society. We possess a strong self confidence also.

AISWARYA – SEVEN YEARS OLD SHG

The small village named Panichayam is a part of Asamannoor Grama Panchayat which is under the jurisdiction of Koovappady Block Panchayat in Ernakulam District of Kerala State. About 70 % of the population of the said Grama Panchayat is under the purview of Below Poverty Line and mainly depends on agricultural activities for their daily livelihood. Major portion of the women population are housewives and they have no employment opportunities. The main income of the families are the meagre earnings of the male members. Under these circumstances, it happened to know about the poverty alleviation schemes under SGSY from Grama Panchayat Ward member . We contacted with Ward member and our Lady Village Extension Officer for more details.
The ‘words’ of the member and LVEO prompted us to form a Women Group of similar thoughts and ideas of not less than 10 members. Accordingly, a meeting of women members of BPL families was convened on 27.02.2000 at the residence of Mr. C.K.Surendran under the presidentship of the ward member and in the presence of LVEO. They spoke in details about the importance, needness and advantage of forming women SHGs besides the guidelines of the scheme.
Of the members attended the meeting, 20 of us decided to form a Group. After concluding the meeting, we, the 20 members assembled again and selected an administrative body including President , Secretary and Treasurer. As a result, ‘Aiswarya’ was born.
A bye-law was constituted and accepted in the Group meeting. The birth of ‘Aiswarya’ was registered with Block Development Office, Koovappady. Weekly meetings were conducted on every Saturdays and Rs. 10/- each was collected from all members as Thrift in the meetings and used to remit the amount in the Joint Account of the Group opened in the names of Secretary and Treasurer in Odakkali branch of State Bank of Travancore. The amount so deposited was used for lending to the members of the Group in a low rate of interest as and when they require money.
As ‘Aiswarya’ attained six months of age, first grading was conducted and passed it. Then she could get Revolving Fund of Rs. 25,000/- consisting of Rs. 15,000/- as cash credit from the Bank and Rs. 10,000/- as subsidy from the Block. The Fund was utilized for the expansion of the activity of weaving bamboo mats. The products were sold at the depot of Bamboo Corporation at Nedungapra. In addition, we engaged in the production of food products and cultivation of various crops like tapioca, banana, paddy, ginger, cucumber, etc. From this cultivation, we could get a net profit of Rs. 17,000/-. By this time, the ‘limbs’ of ‘Aiswarya’ who were illiterate could write their names and put signatures without others’ help. They became self-reliant in visiting Banks, Offices, etc. and to make transactions. The attitude of co-operation developed among us.
After six months completed from the first grading, second grading was conducted and passed it successfully. Then the Financial Institution sanctioned to ‘Aiswarya’ a sum of Rs. 3,60,000/- of which Rs. 1,24,920/- was subsidy from the Block. This amount was utilized for large scale cultivation of crops such as paddy, ginger, tapioca, banana and ‘muthira’ on lease land. After repaying the loan instalment, each of us get an average amount of Rs. 2100/-. Besides, we undertake catering works also as per the orders.
Delegates of Rural Development from Chinese Republic visited ‘Aiswarya’ as part of their visit in Kerala and appraised her activities. As part of social works, ‘Aiswarya’ encourages students who secure high marks in public examinations by awarding cash prizes.
For strengthening relationships with family members of ‘Aiswarya’ and for getting mental refreshment, tours are conducted every year.As such, ‘Aiswarya’ visited Palani and Madurai temples and Kanyakumari in Tamil Nadu, Cherai beach, Sreesankara Mutt founded by Sreesnkaracharya, founder of ‘Advaita Philosophy’ at Kalady,Anamudi, the highest peak in South India, etc. We conduct sanitation programmes of ourselves and takepart in the campaigns conducted by the Local Bodies. ‘Aiswarya’ used to celebrate the national festivals of Keralites such as Thiruvonam and Vishu by conducting different kinds of cultural competitions in Grama Panchayat ward level. Master P.T.Ajit, an eight year old boy, son of Smt. Remani Thankappan who is the member of ‘Aiswarya’ has been awarded a cash prize by her for saving a fourteen year old boy from drowning to death in Periyar Valley Irrigation Project main canal. He was awarded for Bravery by the Hon’able President of India.
As a whole, ‘Aiswarya’ can maintain the habits of savings, thrift and unity among ‘her limbs’. Making the name of the Group worthwhile and meaningful, ‘Aiswarya’ is working for the prosperity of the people of the locality and especially for the well-being of the families of the Group members.

S.G.S.Y - A LANTERN OF LIFE

Kanjoor is one of the Nine Panchayats in Angamaly Block and its area is 14.82 Sq.Kmts and the total population is 21072. Most of the people are Agriculturist and Agricultural labourers. Several activities are under taken in SGSY Schemes in this Panchayats and Mr. Santhosh , Kayyoliparambil House, parappuram PO, Kanjoor is one of the Swarozgaries of SGSY.
Mr. Santhosh , Mrs. Prabha Santhosh and their two kids are the members of the family. They belongs to Scheduled Caste. This BPL family suffered a lot to make their livelihood. Mr. Santhosh studied upto 6th Standard and Mrs. Santhosh has passed S.S L.C. Their children are studying in School classes. They owned a landed property of 4 Cents. They live in a house built under the assistance of Scheduled Caste Corporation. The elder child affected by Pernicious desease and the family spent a lot of money for his treatment. This family perturbed hard to overcome the poor situation. A ravishing life was a dream for them. The Village Extension officer of Parappuram happend to know the troubles of Santhosh. He visited the family and had a discussion . He advised Mr. Santhosh to take a loan under S.G.S.Y . They drafted a project for vegitable vending. The total cost of the project was 20,000/- Rupees. The V.E.O prepared the application and submitted to the Block Development Office . Block Development Officer interviewed the applicant and approved the project and forwarded loan application to Kizhakkumbhagam Service Co-operative Bank. Bank sanctioned a loan of 20,000/- rupees. Mr. Santhosh purchased a four wheeler and started Mobile vegitable vending unit. He had the mercy of God and the unit flourished. From the earnings he met the family expenses and also the educational expenses of his children . Gradually santhosh and his family aroused from lethargy.
Now he lifted his business to a rental shop. His wife Prabha Santhosh is a helpy hand. Due to their perseverence they enabled to have a nice life. Thankful God extended his mercy and his child is cured from illness. When we visited the unit to prepare a brief note ;of his experience , Santhosh said “ Sir, We are very happy and actually the S.G.S.Y Scheme saved my family” They are very thankful to the officials of Block Development Office, Angamaly and the President and the Secretary of kizhakkumbhagam Service Co-operative Bank. Secretary of the Bank is very much impressed because of the prompt repayment of the loan. Without any doubt it is true “ SGSY Scheme is a lantern in the life of Kayyoliparambil House”

Jiya S.H.G Pothiyakkara, Angamaly - a force of women folk. (a success story under SGSY)

Jiya S.H.G –a mile stone in the economic growth of Pothiyakkara ,a rural village in Kalady Panchayath which belongs to Aluva Taluh in Ernakulam District . The Population of the village consists mainly of agriculture labourers .With the advent of small scale industries , theface of the village underwent sudden changes .Many people shift their occupation from the agriculture sector to the Industrial sector .
Rice mills are found very common in the village. The Major part of the male population are occupied in agriculture and other allied sectors. The female members though educated are forced to remain at home with their routine work of home management
In the circumstances some educated women of Pothiyakkara put their step together to find a solution for their unemployment . Many ideas flashed through their brains . They can\me to know about the SGSY scheme of Central Government ,implementing by the Block Panchayat. With the earnest desire to increase the the income of their families they approached the Village Extension Officer, Kalady for guidance. When Village Extension Officer gave them proper guidance , ask how they form a Self Help Group, being the first step of their activity for realizing their dreams .
10 women of BPL families thus joined together to form an SHG which they named Jiya SHG Pothiyakkara. Mrs Rosily Poulose Puthenpura was elected as the president of the SHG. The members were very active and regular in conduct their weekly meetings and collecting thrifts . They helped the members by lending small amount of money to meet their requirements in times of need. After 6 months the SHG was graded and their activity were found satisfactorily. The Ankamaly Block Panchayat gave them an assistance of Rs. 10000/- as subsidy portion of the revolving fund and Rs 25000/- was sanctioned as cash credit from the South Indian Bank Kalady. The Group started small activities flourished quickly . But capital was quite insufficient for them to build up the business.
The group members were very determent to win. The matter was discussed in the meeting ,in the presence of the VEO and scheduled is fixed to conduct the 2nd grading . All the members were mentally prepared to start the Broiler Chicken Farm . The project was prepared and got sanctioned from the Block. The South Indian Bank Kalady sanctioned a loan of Rs. 400000/-out of witch Rs. 100000/- was given as subsidy .
Jiya SHG thus started the Broiler chicken farm, a life long cherished dream came true on 17.2.2006. Almost 4000 chicks are now in the farm in four sections .In 2 months time chicks are ready for sale . All the SHG members are happy and a cheerful always busy with their works. Feeding of chicks and cleaning their cages with rhythm of work . “ A chick here and a chick there . A chick here and a chick there. Everywhere a chick” .
Even after the monthly repayment of the loan, now each members of the group are earning about Rs.4000/-per month. Standard of living of the members has highly increased. All the members have repaired their and modified their houses , sent their children for higher education ,thus enjoying the fruits of the group works emerged out of SGSY. They are absolutely free from the cluchers of the money lenders. They are self reliant need not depend on their husbands for their day to day family expenses. In short the combined consistent and shrewmouse effort of the women folk has totally change their life pattern and stands as example in the path of economics as well as social development growth of the all village of Pothiyakkara .

Grama Sree SHG Naduvattom

ACTIVITIES
Gramasree SHG Naduvattom is mainly engaged in the production of traditional kerala food “PAALAPPAM”. They are producing it in low cost without compromising the quality, and the cost-effective production make them good competitors in the market and their high quality product captures consistent demand in the market. They also potrayed their succus story in vegetable cultivation in leased land, candle manufacturing etc. In all these fields they showed their professional approach and repeated the grand success.
PROFESSIONAL SATISFACTION (Hygenic production unit)
ABOUT THE GROUP
The people of Naduvattom mainly engaged in agriculture and agriculture is the back bone of the economy of the area. Majority of the females of the region are unemployed. Unemployed women of the area planned a creative self-employment and under the proper guidance of officers of Block Development office, they formed a Self-help group in the name GrameSree. They conducted weekly meetings on Sundays and elected Mrs. Kochuthressia as President of SHG, and started a Bank account for the group. They managed to consolidate the thrift amount at the initial stage itself deposited it in the bank. From the first stage itself they showed positive traits and this quality made them good professionals in the market. They strategies are conductive to the present market conditions and they got a clear edge in the fields in which they engaged because of their high quality products and professionalism.
TO THE SUCCUSS TOGETHER.
The first grading of the SHG was done on January 2002. Revolving fund of Rs.25000/- has been sanctioned from SCB Malayattoor-Neeleswaram out of which Rs.10000/- was subsidy portion from Angamaly Block. The SHG succeded in large scale vegetable cultivation and they supplied it in the market properly. The review meeting and supports from Block Development Office boosted their confidence levels.
The SHG has undergone IInd grading on July 2005, in which they proved their capacity to launch a new venture, taking new challenges. Under the assistance from Block Development office, especially from the Joint BDO(RSE) Mr. P.Sivan they prepared the draft of a Palappam( A traditional kerala Food) manufacturing unit and Candle manufacturing unit. Their smart projects got sanction from Block Panchayath and by the recommendation from Block Panchayath they got a loan of 225000/- from SCB Neeleswaram, and they got 75000/- from Block Panchayath under SGSY.

SMILE OF SUCCUSS- (SHG MEMBERS ENGAGED IN PRODUCTION)

The consistent functioning of the SHG made positive impact on the members and each member is now earning about Rs.2000/- per month, after all repayments and expenses. Also it has affected the economy of the area upto some extent and they gained the support of public and local self government institutions. Here the SGSY poverty reduction programme has became very effective and successful by the combined efforts of SHG members and Block Panchayath, and by literally this SHG proved that this Government Programme is effective for the alleviation of poverty and improving the status of rural women.
PLEASURE OF WORK(CANDLE MANUFACTURING UNIT)
By carefully analyzing the success story of this SHG we can make some conclusions. They are highly inspired from the beginning itself, and Officers of Block development Office boosted their confidence level and this made them to make a cake walk to the sucuss.
Secondly timely guidance from Block panchayath made them aware of the avenues and possibilities and this awareness made them to make a proper planning and for making a smart strategy for the business. We can make more SHG’s like this by making constant efforts and by making awareness programmes in rural areas. This is the effective way to make this Government Scheme to reach the apex aims on which it has been formulated.

UDAYAM S.H.G, UDYOGAMANDAL

Udyogamandal is an industrial belt of kerala. So many public sector undertakings are situated here like fertilizers and Chemicals Travancore Ltd.(F.A.C.T.); Hindustan Insecticides (HIL) and Travancore Cochin Chemicals (TCC) etc. In these factories so many people are working. But most of the people are belonging to a different states of India. Major percent of local people are doing some other works, which does not fetch them, much profit. They are suffering from chronic diseases like Asthma, Bronchitis, and Cancer. The main source of income is from petty trades and cooly only. This led the people to miseries and sufferings. The life of women and children was in a pathetic condition.
The Alangad block authorities identified the fact and decided to help them by the way of central scheme named Swarna Jayanthi Grama Sworozgar Yojana. From the BPL list selected group of women and conducted an awareness camp. The subject matter specialists and experts opened before them a new horizon of bright future. The enthusiastic women organized a group comprising 10 members under the banner “UDAYAM S.H.G.” Out of the 10 members 8 women belonged to general community and two members are from scheduled caste. Self help group was formed on 06th June 2001. Every week they assembled and discussed about various things which they are facing in the society in the day to day life. The meeting was conducted in their own houses alternatively. They started an A/c in the nearest bank and their saving deposited promptly. The lending process among themselves though with low interest seemed to be a boon which served them to meet their urgency.
The first grading was conducted on 29th January, 2002 by the block officials and bank authorities who got satisfied in their credentials which scored them high. As a result they sanctioned and amount of Rs 15,000/- from the bank as loan and Rs 10,000/- from the block as revolving fund. Using this fund they started small business like food processing, selling of rice grains etc. Step by step they began to employ various measures put forth by authorities. Their love for vocation and as a means of income helped them to spread their business with much case touching various levels of excellence.
The second grading was on 24th February 2004. After thorough scrutiny and evaluation the authorities found out that they have all the eligibility to get the maximum assistance from the bank and block. Then, prepared a detailed project report of Rs.320000/- -Rs.240000/- as a bank loan and Rs 80000/- as Govt. subsidy. They widened their business by introducing readymade garment making, Catering and Snakes making which was in great demand. Their unity and enthusiasm helped them to flourish their business. Now they are repaying the installments promptly, at the same time earning an amount not less than Rs 2000/- per mensem. Now they are self sufficient, confident, and optimists and actively lending a hand of support to their family.

SHREYAS S.H.G, VARAPUZHA

Edampadam is a small island situated in Varapuzha Grama Panchayat under Alangad block panchayat of Ernakulam District in the state of Kerala. The villagers are mainly depending on agriculture as the only source of livelihood which is limited to single cropping, primarily paddy. Total dependence on monsoon, which is as erratic ever and vagaries of nature like flood and drought contribute in no small measure to the miseries of the farmers. A large number of farmers use to incur loans at usurious rate of interest from the money lenders of the area. Under these circumstances, the Village Extension Officer of that area convened a meeting of the villagers and explained about the “Swarna Jayanthi Grama Sworozgar Yojana” (S.G.S.Y.) scheme which is implemented through block by Government of India.
In the light of the above meeting 15 women was set up and formed a self help group named “Shreyas” SHG. The group registered in the block office and at the same time they started a joint SB account in the bank. They gave a new shape & colour to their yojana by gathering on Fridays and out coming the strategies to be adopted to establish themselves as SHG. A small, but fixed amount named thrift fund was collected among the members of the group which could be lended among themselves with very low rates of interest. Meeting was also held to discuss and bring about resourceful ideas.
After a span of six months the first grading was conducted by the block officials in the presence of bank authorities. Verified all registers, pass books, documents, accounts and satisfied their dealings. The authorities took immense pleasure in helping SHG in realizing the path to be traced. They were allotted Rs 10,000/- as revolving fund from the block and Rs 15,000/- as loan from the bank. They established into small business, which fetched them profit.
After 1 year a second grading was conducted and they performed a good track record. Then discussed about the venture, which they have to commence and found that there is a good demand for catering, candle making & dry cleaning. By the help of line department prepared a detailed project report comprising an amount of Rs. 2 lakhs as bank loan and Rs. 1.25lakhs as subsidy. The amount was sanctioned by the bank.
Their incredible craze & passion for vocation have helped them to earn the maximum. As per the expectations their business flourished. Their enthusiasm, unity & proper follow up of concerned officers make the SHG as a typical group. It grows as a model SHG in Alangad block also. Now every month they are repaying an amount of Rs 4000/- to the bank against loan portion and at the same time each & every member can earn an amount of Rs.2000/-per month. The villagers are also happy by getting the quality products in their own village.