Economic Empowerment Of Rural Women

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Economic Empowerment Of Rural Women

  1. 1. Economic Empowerment of Rural Women A Case Study from ITC Presentation at FICCI’s ‘Indian Rural Business Summit’ New Delhi, 8 th October 2007
  2. 2. Mission Sunehra Kal Transforming Lives & Landscapes <ul><li>Natural resources management </li></ul><ul><ul><li>Wasteland development </li></ul></ul><ul><ul><li>Integrated watershed development </li></ul></ul><ul><ul><li>Improved agricultural practices </li></ul></ul><ul><li>Sustainable livelihoods </li></ul><ul><ul><li>Breed improvement programme </li></ul></ul><ul><ul><li>Women’s economic empowerment </li></ul></ul><ul><li>Improving employability </li></ul><ul><ul><li>Universalising primary education </li></ul></ul><ul><ul><li>Skills training & upgradation </li></ul></ul>
  3. 3. Forging Multi-Stakeholder Partnerships ITC Limited Civil Society Government Community (Farmers, women and children)‏
  4. 4. Scale Today <ul><li>74,427 hectares of wastelands converted into productive agro-forestry </li></ul><ul><li>27,714 hectares brought under soil & moisture conservation </li></ul><ul><li>1.08 lakh milch animals covered under animal husbandry programme </li></ul><ul><li>13,171 women organized into micro-credit groups </li></ul><ul><li>86,000 primary school goers provided additional coaching </li></ul>
  5. 5. Women’s Economic Empowerment
  6. 6. Women’s Programme Micro-enterprises Activity Unit Volume Women Turnover No (Rs Lakh)‏ Agarbatti (Munger, Saharanpur, Hardoi)‏ Tonnes 73 750 50.91 Chunari (Saharanpur)‏ 120 0.64 Chikan (Hardoi)‏ 280 34.00 Vermi-compost (Munger)‏ Pits 105 123 0.83 FMCG Sales (Hardoi)‏ 110 1.40 Mushroom cultivation (Saharanpur)‏ Qtls 150 210 2.99 Total 1,554 90.77
  7. 7. Chikankari in Hardoi A Case study Promoting Rural Women Entrepreneurs
  8. 8. Low Productivity Trap of Chikankari Workers <ul><li>Unorganised </li></ul><ul><li>Extreme poverty </li></ul><ul><li>Illiteracy </li></ul><ul><li>Stranglehold of money lenders </li></ul><ul><li>High interest rates on loan </li></ul><ul><li>Long chain of intermediaries </li></ul><ul><li>Labour model for work </li></ul><ul><li>Social stigma </li></ul><ul><li>Lack of skills and competency </li></ul><ul><li>Gender bias </li></ul>
  9. 9. Changing the Rules of the Game Microfinance and Micro-enterprises as “ Silver Bullets”
  10. 10. Micro-finance <ul><li>Extensive mobilisation of women </li></ul><ul><li>Formation of micro-credit groups </li></ul><ul><li>Capacity building to handle cash transactions, bank accounts, government office, etc </li></ul><ul><li>Promotion of savings to create corpus </li></ul><ul><li>Internal lending to meet consumption needs </li></ul><ul><li>External loaning for productive purposes </li></ul>
  11. 11. Micro-enterprise: Chikankari <ul><li>Organisation of women into production groups </li></ul><ul><li>Introduction of revolving fund </li></ul><ul><li>Skills training & up-gradation to enhance employability </li></ul><ul><li>External consultancy for modern designs </li></ul><ul><li>Capability building for value addition in work </li></ul><ul><li>Marketing channel for finished goods </li></ul>
  12. 12. Structure of micro-enterprise Enterprise Coordinator Designer Sanchalika Production Group (50 women)‏ SHG SHG SHG Member Member Member Member NGO ITC Info flow Fund flow Only women as members 10-12 women as members
  13. 13. Revolving fund model for sustainability NGO ITC Production Group “A” (50 women)‏ Production Group “A1” (50 women)‏ Production Group “A2” (50 women)‏ Revolving fund (Rs.6 lakh)‏ Installment payback Revolving fund (Rs.6 lakh)‏ Installment payback Revolving fund (Rs.6 lakh)‏
  14. 14. Chikankari value chain Production group orders orders orders orders Finished goods ITC NGO Partner Customers Finished goods
  15. 15. Micro-finance and Micro-enterprise Scale Today <ul><li>Inception 2004 </li></ul><ul><li>No. of SHGs 193 </li></ul><ul><li>No. of members 2,725 </li></ul><ul><li>Savings (lakhs) 10.32 </li></ul><ul><li>No. of women in Chikankari 250 </li></ul><ul><li>Sales turnover (lakhs) 34 </li></ul><ul><li>Wages distributed 15 </li></ul>
  16. 16. <ul><li>Vision 2010 </li></ul><ul><li>No. of SHGs 600 </li></ul><ul><li>No. of members 10000 </li></ul><ul><li>Savings to be generated Rs 1 crore </li></ul><ul><li>No. of women in Chikankari 600 </li></ul><ul><li>Sales turnover Rs 2 crores </li></ul>Micro-finance and Micro-enterprise Vision for Tomorrow
  17. 17. Home Makers to Entrepreneurs <ul><li>Creates women entrepreneurs </li></ul><ul><li>Eliminates long chain of intermediaries </li></ul><ul><li>Creates various capitals-social, economic, human </li></ul><ul><li>Provides regular source of income </li></ul><ul><li>Captures greater value chain </li></ul>
  18. 18. Value Creation for Society <ul><li>Better nutrition, health care & education for children </li></ul><ul><li>Poverty alleviation </li></ul><ul><li>Brings gender equality </li></ul><ul><li>Improvements in food security and quality of diets </li></ul><ul><li>Induces wider movements of women for social, political and social change </li></ul>
  19. 19. Lessons for replication <ul><li>Tripartite relationship model for inclusive growth </li></ul><ul><li>Working model based on revolving funds </li></ul><ul><li>Micro-finance as the backbone </li></ul><ul><li>Choice of market oriented enterprise </li></ul><ul><li>Market linkages </li></ul><ul><li>Development through business model </li></ul><ul><li>Capacity building for continuous improvements </li></ul>
  20. 20. Thank You

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