Marginal Farmers Cover
Total Page:16
File Type:pdf, Size:1020Kb
SYNTHESIS OF IMPORTANT DICUSSIONS ON MICROFINANCE AND LIVELIHOOD SUPPORT TO SMALL AND MARGINAL FARMERS SPECIAL THANKS We are grateful to the following members of Solution Exchange for their responses to the discussions related to small and marginal farmers – Abhinandan L. B. Prakash Rakesh Das Abhishek Mendiratta L. P. Semwal Rakesh Kumar Gupta Anupama Sharma M L Sukhdeve Ramakrishna Nallathiga Arun Jindal M. Vijaybhasker Srinivas Ravinder Yadav Ashok Kumar Sinha, Mahendra Parida Resham Singh Avishek Gupta Mangesh Patankar Ritesh Dwivedi Bharathi Bhupal Manoj Singh Ruturaj Pattanaik Bhupal Neog Maroti Upare Sachin Kumar Bibhuti B. Pradhan N. Jeyaseelan Sanjay Kumar Gupta D. S. K. Rao N. Srinivasan Sanjay Verma G. K. Agrawal Navin Anand Sanjeev Kumar G. V. Krishnagopal Neelesh Kumar Singh Sarat Kumar Patnaik G. V. Ramanjaneyulu Neelkanth Mishra Satish Kumar Anand George Thomas Neeraj Verma Saurabh Vikas Girija Srinivasan Nidhi Sadana Sabharwal Shailja Kishore Gurusamy Gandhi Nitin Bembalkar Shivani Bhardwaj Harish Chotani P. Purushotham Suman K. A Hemantha Kumar Pamarthy P. S. M. Rao Sunil Kumar Indu Chandra Ram P. Uday Shankar Susanta Kumar Nayak Jalpa Sukhanandi Prakash Kumar Trilochan Sastry Jay Prakash Lall PSM Rao Umesh Chandra Gaur Jaya Patel Puran Singh Yadav Veerashekharappa Kalika Mohapatra R. K. Swarnkar Vineet Rai Kedareswar Choudhury R. V. Kotnala Vineet Sinha Krishan Khanna Rajesh K. Verma The Consolidated Responses in this document are the outcome of the expertise and skills of Resource Persons and Research Associates. We profusely thank Gopi Ghosh, Monika Khanna, Raj Ganguly, T. N. Anuradha, Nitya Jacob and Sunetra Lala. We acknowledge their valuable contributions in preparing some of the consolidate replies incorporated in this document. Selection and Compilation of Consolidated Replies Navin Anand Warisha Yunus Resource Person and Moderator Moderator Microfinance Community Work and Employment Community Solution Exchange, United Nations Solution Exchange, United Nations ii Contents No. Particulars Page Numbers 1. Guidelines of Mahila Kisan Sashaktikaran Pariyojna 1-19 (Consolidated Reply) 2. Microfinance for Small Farmers through Exclusive 20-37 Agriculture Credit Cooperatives and JLGs (Consolidated Reply) 3. Microfinance Services for Agricultural Value Chains 38-60 (Consolidated Reply) 4. Designing Livestock Insurance Products for Poor 61 -81 (Consolidated Reply) 5. Microfinance for Minor Irrigation and Community 82-109 based Water Management Systems (Consolidated Reply) iii iv Poverty _____________________________ Work and Employment Community Microfinance Community Solution Exchange for the Work and Employment Community Solution Exchange for the Microfinance Community Consolidated Reply FOR COMMENTS: Guidelines of Mahila Kisan Sashaktikaran Pariyojana (MKSP) Compiled by Navin Anand, Resource Person and Monika Khanna and Warisha Yunus, Research Associates Issue Date: 8 August 2011 From C. S. Reddy, Chairman – Working Group on NRLM and MKSP (for Planning Commission and MoRD, GoI), New Delhi Posted 4 July 2011 Dear Members, The Planning Commission, Government of India (GoI) has formed a working group on National Rural Livelihood Mission (NRLM) with 21 eminent members (Available at: ftp://ftp.solutionexchange.net.in/public/mf/cr/res30051101.pdf Size: 1.12 MB) and entrusted me to facilitate the group as a Chairman to review and suggest changes on the proposed NRLM Mission Document and NRLM Framework for implementation and Guidelines of Mahila Kisan Sashaktikaran Pariyojana (MKSP). The first meeting of the Working Group was held on 2nd May 2011. The minutes of the meeting are available at ftp://ftp.solutionexchange.net.in/public/mf/cr/res30051102.pdf (Size: 33 KB) for your reference so as to communicate key issues being focused by the Working Group. The Terms of Reference (ToRs) of Working Group are as follows: • Review the proposed NRLM document and NRLM Framework for Implementation and make suggestions for improvement • Suggest a framework for participation of civil society organizations in NRLM • Examine the guidelines of the MKSP and make suggestions for improvement The guidelines of the MKSP are available at ftp://ftp.solutionexchange.net.in/public/mf/cr/res01071101.pdf (Size: 97 KB). The Ministry of Rural Development (MoRD) is in a process strengthening the guidelines. Since the focus of Planning Commission has been on involving various stakeholders and development practitioners in the planning process of 12th Five Year Plan as well other important schemes of GoI, I find it 1 Poverty _____________________________ Microfinance Community Solution Exchange for the Microfinance Community Consolidated Reply Query: State of the Sector Report 2012 for Microfinance - Experiences; Examples Compiled byNavin Anand, Resource Person andMonika Khanna Issue Date: 10 July 2012 From Venugopalan Puhazhendhi, Lead Author, State of the Sector Report 2012 Posted 09 May 2012 You might have observed that in the last six years a comprehensive document on the status, issues, innovations, practices, and models of microfinance sector is released, entitled “State of the Sector (SoS) Report – Microfinance”. This report has been an authentic national level document that describes the state and growth of the Indian Microfinance sector. For the past six years as part of Microfinance India Summit, SOS report has become an important annual initiative. This report has already been recognized as a reference document for the Sector both within and outside the country. To read the previous State of the Sector Reports – Microfinance, please visit: http://www.microfinanceindia.org/content/39/state-of-the-sector-report.php Since last few years, I have observed that Microfinance Community – Solution Exchange has been proactively contributing in the formulation of the SoS in the form of holding specific e – discussions and roundtables wherein leading MF practitioners of the country have participated. The ideas and inputs provided by the members of the Microfinance Community – Solution Exchange were useful in making SoS a comprehensive document that highlights the present status, gaps existing in the sector and future strategies. Since I am entrusted with the responsibility as the author of the State of the Sector report 2012, I would certainly like to give ownership of the report to the Microfinance practitioners of the country therefore request you to contribute in discussions which is scheduled in two phases. In the first phase of discussion, I request you to share: Design and structure of the report • Ideas and views on the structure, style and content of the report with suggestions on changes required in the current framework of the report Products and services • Experiences, research studies, reports and documents, innovations, and need gaps in context of various microfinance products and services* of rural and urban areas and different segments and sectors most appropriate to get inputs of the members of Work and Employment Community as well as Microfinance Community on the Guidelines of MKSP. With this background, I request members of Work and Employment Community as well as Microfinance Community to go through the Guidelines of MKSP and share their views and suggestions on - • Various components and target groups to be covered under the project • Key activities and fund disbursement mechanism Your valuable inputs will help us to suggest Planning Commission and MoRD, GoI to modify the Guidelines of MKSP. Responses were received, with thanks, from 1. Suman K. A., Change Planet Partners Climate Innovation Foundation (CPPCIF), Hyderabad 2. Shivani Bhardwaj, Saathi All For Partnerships (SAFP), New Delhi 3. Ritesh Dwivedi, Amity University, Uttar Pradesh 4. Nidhi Sadana Sabharwal, Indian Institute of Dalit Studies (IIDS), New Delhi 5. Ashok Kumar Sinha, Karma Consultants, New Delhi 6. Neelesh Kumar Singh, Consortium to State Level Nodal Agencies (SLNA), Ranchi, Jharkhand 7. Neelkanth Mishra, Revitalizing Rainfed Agriculture (RRA) Network, Secunderabad, Andhra Pradesh 8. Hemantha Kumar Pamarthy, Hand in Hand Micro Finance Limited, Chennai 9. Rajesh K. Verma, Vananchal Gramin Bank (VGB), Dumka, Jharkhand 10. Sarat Kumar Patnaik, Koraput Farmers Association (KFA), Koraput, Orissa 11. P. Purushotham, Centre for University Industry Interaction (CUII), Periyar Maniammai University (PMU), Vallam, Thanjavur 12. Jalpa Sukhanandi, ANANDI, Veraval, Gujarat 13. Resham Singh, Punjab Gramin Bank, Punjab 14. Jaya Patel, Tata Power Company Limited, Ranchi, Jharkhand 15. Ruturaj Pattanaik, Sahayog Foundation, Bhubaneswar* 16. Veerashekharappa, Institute for Social and Economic Change, Bangalore* *Offline Contributions Further contributions are welcome! Summary of Responses Comparative Experiences Related Resources Responses in Full 2 Summary of Responses Commenting on the Guidelines of Mahila Kisan Sashaktikaran Pariyojana (MKSP) members gave various suggestions for improvising the guidelines to have a positive impact on the lives of the women farmers. Some of the issues to be dealt with at the policy level suggested by members are as follows: Defining the Woman Farmer: While members stressed on the need to define ‘woman farmers’, they also pointed to the definition of the farmers given in the National Policy for Farmers, 2007 that includes person involved in growing crops and producing agricultural commodities. The definition includes cultivators, agricultural laborers, sharecroppers, tenants, poultry and livestock rearers, fishers, bee keepers, gardeners,