Vision Building-a Sure Way to Facilitate Sustainable institutions for the Poor

15

the GVMs are not used for repayment.

An individual, who wants to avail of a

This ensures a follow-up at the GVM level,

loan, gives an application to the Ayojan

and helps build credit discipline. The

Samiti, which vets the application and if

it is in keeping with the rules and

repayment is made in cash to Dhruva's

regulations of the GVM, it is forwarded to

office.

Dhruva. On receiving the application,

Dhruva's approach for the microfinance

Dhruva's loan committee, which meets

activity stresses on supervised community-

every  week,  sanctions/rejects  the

application based on the eligibility criteria

based credit delivery. In keeping with this

chalked out under SVY. On receipt of the

approach, the GVMs, are endeavoring

to build up a corpus through savings of

sanction letter, the GVMs arrange to

their members and at the same time trying

collect the credit material of its members.

A member availing the loan, pays the

to meet the unmet credit needs of their

members. Hence while the livelihood

instalment to the GVM. The GVMs are

needs of members are met through

responsible for paying the instalments on

Dhruva's

SVY

programme,

their

the due date to Dhruva.  However,

consumption needs are met through the

repayments from the GVM are made only

if the repayments are received by the

GVMs own funds.

GVMs from their members. The funds of

People's Organisations: To sustain the benefits of development efforts particularly

Dhruva's

after the completion of the project, BAIF has developed a strategy to promote

approach for the

grassroot-leve People's Organisations (POs). Several types of POs are promoted,

microfinance

based on the programme design, such as Self Help Groups (SHG), Village Level

activity stresses on

Planning Committees, Users' Groups of various goods and services, Clusters and

supervised

Federations of SHGs, Village Level Organisations and Processing and Marketing

community-based

Cooperatives. These organisations help in motivating the members of the community

credit delivery.

to sustain their interest and get actively involved in the various development

initiatives. These organisations are also effective in procuring necessary agricultural

inputs, disseminating technology, organising post-harvest handling, processing and

marketing of the produce.

In keeping with this strategy, various POs have been promoted by Dhruva as part

of its CTDP.

No.

Type

Area/ Members

Activities

Cooperative

10

Each cooperative covers

Procurement, processing,

(Apex

around 10-15 villages. The

marketing of agricultural

body)

members are all

produce of members, agro

participants of CTDP in

service centres, other

the cooperative's area of

commercial activities as

operation.

required by members.

Gram Vikas

173

Village level organisation,

Implementation of

Mandal

1- 2 GVMs per village

development activities in

(GVM)

based on size of village.

the village, providing savings

Members are participants

and credit services to

of the CTDP in the village.

members, collection of

produce of members for sale

to cooperatives, ensuring

technical quality of activities

Ayojan

396

The planning and

Capacity building, savings

Samiti

management committee

and credit, micro enterprises,

Self Help

of the GVM is authorised

health & sanitation etc.

Groups

to take decisions on

behalf of the GVM. Each

Ayojan Samiti member

represents a group of 5-10

families

Women in the

programme area