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Report No. P-7017-IN

MEMORANDUM AND RECOMMENDATION

OF THE

PRESIDENT OF THE

INTERNATIONAL DEVELOPMENT ASSOCIATION

TO THE

EXECUTIVE DIRECTORS

ON A

PROPOSED CREDIT

OF SDR 13.5 MILLION

INDIA

FOR A

RURAL WOMEN'S DEVELOPMENT AND EMPOWERMENT PROJECT

March 4, 1997

This document has a restricted distributionand may be used by recipients only in the performanceof their official duties. Its contents may not otherwisebe disclosed without World Bank authorization. CURRENCY EQUIVALENTS (as of July, 1996)

Currency Unit = Rupee US$1.00 Rupee 35. 00 US$0.029 = Rupee 1.00

WEIGHTS AND MEASURES

I Kilogram (kg) = 2.204 Pound (lb) 1,000 Kilogram = 1 Metric Ton (mt) 1 Kilometer (km) = 0.62 Miles (m) I Hectare (ha) = 2.47 Acres (ac)

GOVERNMENT FISCAL YEAR

April 1 to March 31

ABBREVIATIONS

CPM - Computerized Project Management System CPSU - Central Project Support Unit DWCD - Department of Women and Child Development GOI - Government of India IFAD - International Fund for Agricultural Development M&E - Monitoring and Evaluation MHRD - Ministry of Human Resource Development NGO - Non-Government Organization SHG - Self-Help Group UPLDC - Uttar Pradesh Land Development Corporation WDC - Women's Development Corporation

Vice-President Mieko Nishimizu Director Robert S. Drysdale Division Chief Richard Skolnik Task Manager Ashok Seth INDIA FOR OFFICIALUSE ONLY

RURAL WOMEN'S DEVELOPMENT AND EMPOWERMENT PROJECT

CREDIT AND PROJECT SUMMARY

Borrower: India, acting by its President

Beneficiaries: Department of Women and Child Development, Ministry of Human Resource Development, Government of India (GOI) and Women's Development Corporations in the States of Bihar, Gujarat, Haryana, Karnataka, Madhya Pradesh and Uttar Pradesh

Amount: IDA US$19.5 million equivalent

Poverty: Program of Targeted Interventions (PTI). The project beneficiaries would be women below the poverty line in rural areas.

Terms: Standard International Development Association (IDA) terms with 35 years to maturity

On-Lending Terms: As a Centrally-sponsored project, the proceeds of the IDA Credit would be available to the states of Bihar, Gujarat, Haryana, Karnataka, Madhya Pradesh and Uttar Pradesh as a grant. GOI would assume the foreign exchange risk.

Financing Plan: Local Foreign Total % ------US$ Million------

IDA 18.7 0.8 19.5 36 IFAD 18.4 0.8 19.2 36 GOI/State Governments 3.7 0 3.7 7 Institutional Finance 8.5 - 8.5 16 Beneficiaries 2.9 - 2.9 5

Total Financed 52.2 1.6 53.8 100

Economic Rate of Return: 25%

Staff Appraisal Report: 16301- IN

Project Identification No.: 44449

Maps: IBRD Nos. 28268, 28269, 28270, 28271, 28272, and 28273

This document has a restricted distribution and may be used by recipients only in the performanceof their official duties. Its contents may not otherwisebe disclosed without World Bank authorization.

MEMORANDUM AND RECOMMENDATION OF THE PRESIDENT OF THE INTERNATIONAL DEVELOPMENT ASSOCIATION TO THE EXECUTIVE DIRECTORS ON A PROPOSED CREDIT TO INDIA FOR A RURAL WOMEN'S DEVELOPMENT AND EMPOWERMENT PROJECT

1. The following memorandum and recommendation on a proposed Credit to India is submitted for approval. The Credit, for SDR 13.5 million (US$19.5 million equivalent), would be on standard IDA terms with a maturity of 35 years. The Credit would help finance the Rural Women's Development and Empowerment Project.

2. Country/Sector Background. With an area of 3.39 million square kilometers and a population of 919 million (1995), India is the seventh largest country in the world and the second most populous. Key economic changes following liberalization of the economy have included a significant change in the rate of growth and structure ol the economy. However, a dominant feature of India's socio- economic condition remains widespread poverty.

3. Status of Women. Women are a vital part of the Indian economy and a major contributor to the survival of the family - the poorer the family, the greater its dependence on women's income. Over the last quarter of a century, improved household food security, an expanding health care system, and maternal and child health interventions have brought about significant gains in women's health status. Despite this, however, gender analysis of most social and economic indicators demonstrates that women in India continue to face difficulties in accessing the basic necessities of life - nutrition, health care and education. More than 90 percent of rural women are unskilled, restricting them to low paid occupations. Women generally have no control over land and other productive assets, which largely excludes them from access to institutional credit and renders thern dependent on high cost informal sources of credit to secure capital for consumption and/or productive purposes.

4. India's Policy and Development Approach to Women. Since independence, the Government's policy on women's development has undertaken various shifts of emphasis. The most significant changes occurred in the mid-1980s with the Seventh Five Year Plan which started a move towards equality and empowerment. New institutions were established to expedite action. This included the Department of Womeni and Child Development (DWCD) within the Government of India's (GOI) Ministry of Human Resource Development and its counterparts in the states. In addition, Women's Development Corporations (WDCs) were set up in most states to implement the new strategy of economic development by facilitating access to iraining, entrepreneurship development, credit, technical consultancy services and marketing facilities. TIhe Eighth Five Year Plan marks a further shift towards empowerment of women, emphasizing women as equal partners in the development process. GOI's continued advocacy for equitable growth opportunities for women is increasingly being reflected in state government policies and plans. These have resulted in: (a) increased participation by women in local governments and decision making processes; (b) an increasing focus of poverty alleviation programs on women; (c) a mandate to eliminate discrimination against girl children and adolescents in matters of food, health, education and child labor; (d) greater spread of community based organisations, including women's groups; and (e) recognition of the need to sensitize all levels of bureaucracy, legislators, and law -2-

enforcement agencies to gender issues. More recently, to allow women to engage in income generating activities,thrift and credit Self-HelpGroups (SHGs)have been promoted.

5. While progress has been made on a number of fronts, many constraints continue to impede women's economic development and social empowerment. These include: (a) the limited institutional capacity of government and nongovernment agencies to address both social and economic needs; (b) the tendency for publicly financed initiatives to take a target oriented, top-down approach to implementation with inadequate emphasis on encouragement to self-reliant grassroots organizations such as thrift and credit SHGs; (c) social inhibitions to women's involvement "n family and community affairs; (d) lack of resources to maximize earnings and contribute to the alleviation of poverty; and (e) inadequate access to support services, especially health care, education, child care and drudgery/time saving technologies.

6. Rationale for IDA Involvement and Country Assistance Strategy. The Bank Group's Country Assistance Strategy discussed by the Executive Directors on June 20, 1995, and the 1996 progress report discussed on September 5, 1996, emphasize the need to support government's development policies aimed at reducing poverty. They stress the need for Bank operations to focus greater attention on the redressal of gender inequalities to improve the quality of women's lives and their involvement in economic development. Set in the context of the government's policies and greater attention being given by the Bank to gender issues, the support that the proposed project seeks to provide is consistent with the CAS. The project would also be consistent with the Country Department's women-in-developmentstrategy which emphasizes: (i) widening efforts to reach women with basic amenities and services; (ii) addressing issues of gender bias and the social constraints facing women to create effective demand for services; and (iii) capitalizing on mutually reinforcing effects of linking economic and social services. The proposed operation would also be consistent with the policy changes being discussed by the Bank with GOI under the Rural Financial Reform Program.

7. The entrenched nature of constraints faced by women and limited success of past government interventions has highlighted the need for new approaches to address women's diverse needs. The most important social innovation to help the poor in recent years has been the success of the thrift and credit based SHGs, especially those formed by women. These groups, assisted by Non-Governmental Organizations (NGOs), have successfully developed a system of revolving credit for the benefit of group members based on their own savings. Linking of SHGs to formal financial institutions has further enhanced availability of credit financing to the groups. SHGs have successfully maintained a high rate of loan repayments and successfully generated additional income, jobs and small enterprises for their members. IDA's (and IFAD's) involvement in the proposed project would provide resources for wider application of these successful models and innovative approaches developed in India and overseas.

8. A favorable policy change in India for women's empowermenthas been the Panchayati Raj Act. This has resulted in increased representation of women in local self-government and enhanced commitment of authorities to address women's issues. These developments have created a window of opportunity for IDA to build on past support for gender issues through a free-standing multi-state operation focused on improving the socio-economic status of poor rural women. While such a project would be resource intensive to manage and supervise, it offers an excellent opportunity for policy dialogue on women's issues with the Government and sharing of experience amongst the participating states. -3-

9. Project Objectives. The overall objective of the project would be to strengthen processes that promote economic development of women and create an environment for social change. More specifically, the project would aim to (a) build self-reliance and self-confidence through women's SHGs, to provide women greater access to and control over resources that improve the quality of their lives; (b) sensitize and strengthen the institutional capacity of support agencies (government, NGOs and banks) to proactively address women's needs; (c) promote economic well-being of poor women through involvement in income generating activities; (d) develop linkages between SHGs and lending institutions to obtain credit financing; and (e) improve access to better health care, education and drudgery reduction facilities.

10. Project Approach. The project has been prepared by Women's Development Corporations of the participating states, after consultations with the key stakeholders, including existing SHGs and potential NGO partners. The project places emphasis on institution building and commencing a long-term process to improve women's economic and social status in the six participating states. The extent and scope of coverage under the project in any state would be governed by the relative strength and success of the main intervenors to establish and sustain self-reliant SHGs. The project design allows flexibility to introduce changes based on implementation experience.

11. Project Description. The project would be implemented over a five-year period and would pursue its objectives through the following components: (a) Institutional Capacity Building for Women's Development. The project would assist SHGs to establish a track record of sound credit management based on their own savings and strengthen the capacity of support agencies, such as WDCs, NGOs, banks and line departments, to provide them better service; (b) Establish Support Mechanisms for Income Generating Activities. The project would assist SHGs to access group loans from lending institutions for investments in income generating activities, following demonstration of capacity for credit management. In addition, it would finance skill training, technology transfer, technical support and promotion of market linkages; (c) Establish Mechanisms to Access Social Programs and Leverage Funds for Creation of Community Assets. The project, through financing for training, provisions of health kits and advocacy for gender issues, would assist in improving women's access to social services such as health and child care. It would also help to finance community assets such as drinking water and multipurpose meeting halls and leverage contributions from on-going government programs for community development activities. Priorities for such investments would be decided in consultation with the communities; and (d) Provide Effective Project Management Systems. The project would finance strengthening of management capacity of central and state level agencies to implement the project and other women's development programs. The management processes would emphasize learning from implementation experience and feedback provided by the concurrent monitoring and evaluation system to be established under the project.

12. Project Costs and Financing Plan. Total project costs are estimated to be Rs. 2,322 million (US$53.8 million equivalent), including physical and price contingencies of US$2.5 million (US$2.2 million physical and US$0.3 million price) and taxes and duties estimated at US$0.9 million equivalent. The direct and indirect foreign exchange cost is estimated to be US$1.6 million, or 3% of total project costs. The proposed external financing for the project of US$38.7 million would comprise an IDA Credit of US$19.5 million and an IFAD loan of US$19.2 million. This would finance 74 percent of the project costs net of taxes. GOI would finance US$3.7 million (6.9 percent of project costs) including taxes of US$0.9 million. Institutional finance would cover US$8.5 million (16 percent of project costs) and beneficiaries would contribute US$2.9 million (5.4 percent of project costs). -4-

13. Project Implementation. The Department of Women and Child Development (DWCD), Ministry of Human Resource Development, GOI (DWCD) would be the overall coordinating agency for the project. Within the states, the nodal agency would be the State Department of Women and Child Development (Madhya Pradesh, Karnataka and Uttar Pradesh), Department of Social Welfare (Bihar and Haryana) and Department of Industries and Mines (Gujarat). The State Women's Development Corporations' would be the executing agencies. In Uttar Pradesh (UP), the Land Development Corporation would be sub-contracted by the UP Women's Welfare Corporation to implement the project in all but two districts. At the state and district levels, Steering Committees/WorkingGroups comprising both government and non-governmentmembers would be established to enable the project to benefit from knowledge and experience of outside experts and obtain guidance to facilitate implementation. In addition, for a cluster of around 20 villages, a Cluster Level Working Group, largely composed of SHG representatives, would be established to provide a forum for regular interaction between the beneficiaries and the project implementors to ensure responsiveness of the project to the expressed needs of SHG members.

14. NGOs would play an important role in forming and sustaining democratically managed SHGs. NGOs with experience of working with SHGs have already been identified to initiate the work in the phase I districts. These NGOs would assist WDCs in the selection of other NGOs with appropriate orientation to participate in new districts of the project. NGOs selected to work in the designated tribal areas would have experience of working with these communities. NGOs would also help to involve whole communities in efforts to identify priorities for the project's social program.

15. Given the strong emphasis on capacity building, support for a comprehensive training program is a key activity under the project. The concurrent Monitoring and Evaluation (M&E) system of the project would provide the necessary feedback to make adjustments in the project design where necessary. Strategic alliances would be encouraged with the wider NGO community and other multilateral or bilateral donors with expertise in dealing with women's issues. A start in this direction has already been made through liaison between the project and the Inter-Agency Working Group on Gender and Development which meets in Delhi regularly and includes representatives of the UN, multilateral and bilateral agencies.

16. Lessons from Experience. Project Completion Reports (PCRs) or Performance Audit Reports (PARs) are available for a number of social and agricultural sector projects with implications for the proposed project. While in general these projects have met a significant part of their development objectives, they have suffered from a number of generic implementation problems. These have included: late start-up, poor procurement, slow disbursement, institutional weaknesses including frequent management turnover, untimely and inadequate flow-of-funds, poor quality of civil works and maintenance of building and equipment, and inadequate attention to software and qualitative aspects.

17. In addition, lessons learnt from past IDA lending for women's activities, especially under the UP Sodic Lands Reclamation Project (Cr. 2510-IN) and IFAD assisted Tamil Nadu Women's Development Project, have provided important lessons for the design of the proposed project. These include: (a) in facilitating effective implementationof women's development initiatives, NGOs can play a key role but their capacity and performance are crucial to the success of the project and they often

Nomenclature varies between the states including Women's Economic Development Corporation (Gujarat and Madhya Pradesh) and Women's Welfare Corporation (Uttar Pradesh). -5- require training and capacity building; (b) one of the best indicators of the dynamism and cohesion of a SHG is the degree of rotation of small loans to members based on their own savings before accessing bank credit; (c) the process of federating SHGs into a cluster should not be undertaken until the groups have attained a mature level of functioning, appreciate the importance of a federation, and are in a position to control it; (d) capacity of agencies involved in project implementation, especially at the district level, should be carefully evaluated and, wherever appropriate, strengthened to effectively implement the project; (e) lending institutions involved in financing groups need to have staff trained in working with resource poor clients; (f) emphasis needs to be placed on diversifying the productive activities undertaken by women which must have good market potential; and (g) members are willing to borrow at the current market rates without subsidies, provided loans are given on time with a minimum of processing requirements.

18. Sustainability. A major thrust of the project is to strengthen SHGs so that they are able to further their own social and economic development. The expected high repayment rates and reduction in transaction costs for the banks should ensure a continuing flow of credit to the groups. The project design allocates substantial responsibilities and resources to non-governmental entities with 36 percent of total project costs flowing to SHGs and 47 percent to NGOs and other contracted specialists, whilst project expenditures flowing to public institutions amount to about 17 percent. Building the capacity of mature SHGs to promote the formation of additional SHGs would reduce the direct NGO support costs by around 50 percent. In addition, the formation of clusters of SHGs and cluster associations would allow transfer of many of the support functions to SHGs hitherto provided by NGOs whilst replicating the SHG concept.

19. Agreed Actions. At Negotiations, assurances were provided as follows: (a) by June 30, 1997 all participating WDCs, with the help of independent financial management consultants, would establish accounting, auditing and internal control practices acceptable to IDA; (b) by March 31, 1999, DWCD would organize a management review of WDCs to assess the long-term role of the WDCs in assisting women's development programs and propose appropriate adjustment in roles, operational structures and management systems, and agree with IDA on an action plan to implement the recommendations; (c) GOI would make part of the credit available on a grant basis to WDCs under a Memorandum of Understanding to be entered into between DWCD (GOI) and each participating state; (d) DWCD would maintain policies and procedures adequate to enable it to monitor and evaluate on an on-going basis, in accordance with indicators satisfactory to IDA, the implementation of the project and the achievement of the objectives; (e) by September 30, 1999 GOI and the State Governments, jointly with IDAJIFAD, would undertake a Mid-Term Review of the project and agree on an action plan to implement its recommendations; and (f) where the project is implemented in any state designated tribal area, each project state would, in consultation with SHG members in the tribal area, develop implementation arrangements covering the project's activities satisfactory to the Association. The conditions of effectiveness would be that: (i) all conditions of effectiveness of the IFAD Loan Agreement have been fulfilled; (ii) signing of a contract between the DWCD-Central Project Support Unit (CPSU) of a lead organization for the M&E activities of the project; and (iii) engagement of critical staff by DWCD-CPSU and state WDCs.

20. Program Objective Categories. Gender and Poverty Aspects. Project interventions are directed towards poor women who have not fully benefited from past i iterventions in economic and social programs. The project is founded on participatory processes which would enable these women to determine their own strategies for increasing incomes and empowerment. The findings of consultations -6- during project preparation have been incorporated into project planning and design and would ensure the responsiveness of the project to women's expressed needs. Indigenous People's Concerns. The distribution of tribal people in most districts chosen for the project is expected to be low. However, in some districts, such as Panchmahal (Gujarat), Ranchi (Bihar) and Hoshangabad (Madhya Pradesh), their proportion is high (up to 47 percent) thus making tribal women major beneficiaries of the project activities in these areas. The project would incorporate measures to ensure the appropriateness of project activities for tribal communities. The intermediation of NGOs with mainstream institutions, such as banks and line departments, to ensure the provision of improved services will address some of the major constraints faced by tribal people. Further, the approach of the project to provide group members with functional literacy and communities with assets, basic health care and child care, would help to fill major gaps that persist in the social services in tribal areas. Environmental Aspects. The project would be unlikely to have any negative impact on the environment. Micro-enterprise activities would be small artisan-based enterprises which will neither adversely affect the natural resource base nor cause atmospheric pollution.

21. Performance Indicators. The impact of institutional strengthening would be measured through sustainability of SHG activities, especially those related to financial aspects and the effectiveness of the services provided or coordinated by the intervenors (WDCs, NGOs and line departments). Support for women-managed income-generating activities would be measured through credit mobilization and its utilization pattern and income/resource control by women; social investments would be measured in percentages of members (and family members) accessing health and education services; and strengthening project management systems would be expressed in the overall performance of the project and assessment of welfare/empowerment related outcomes for women. Quantitative measures to be applied to assess the impact of the project were agreed at Negotiations.

22. Project Benefits. Immediate benefits would be seen in: (a) creation of women's SHGs and their ability to control income and their own development; (b) enhanced involvement of women in economic activities through access to funds from their own savings and integration into the mainstream delivery credit mechanisms for credit; (c) improved management and technical skills; (d) improvements in women's health and drudgery reduction; and (f) strengthening of key support agencies enabling them to be more effective in addressing women's needs. Longer term benefits for women would include: (i) increased self-reliance and self-confidence to address the constraints faced by them and increased ability to mobilize various public and private sector services for their benefit; and (ii) improvement in their social status in the family and community. It is estimated that the project would assist in the formation of about 7,400 groups, directly benefiting around 130,000 women.

23. Risks. The project by its nature is a risky operation. However, it builds on successful past experiences of a number of organizations. The process-oriented design of the project puts strong emphasis on learning from experience based on feedback from a concurrent M&E system. There are also some specific risks associated with the project. First, an adequate number of competent NGOs may not be found to form and support SHGs. To address this, the project would support capacity building of motivated NGOs, that would help to select and train other NGOs to work under the project. Second, the WDCs may not effectively coordinate the project activities. Institutional strengthening of the WDCs with expert staff and training would be emphasized to address this risk. Third, insufficient support may be provided to back up income generating activities and provision of social services. The project addresses this risk through a strong emphasis on capacity building of support agencies so that they are more responsive to women's needs. The project would also provide support from successful private sector women entrepreneurs to help in identification and capacity building of local entrepreneurs -7- willing to assist SHG members in establishing new enterprises of their own choice and/or developing market linkages for businesses. A fourth risk is that banks may not be as responsive as envisaged in providing loans to the groups. To reduce this risk, the project would strengthen linkages between lending institutions, NGOs and SHGs and assist the groups to establish a track record of sound credit management to make them attractive clients for the banks. A final risk is that the women may be constrained by time and labor demands. To address this, the project provides support for activities to reduce drudgery and improve access to social services, especially health care and child care facilities.

24. Recommendation. I am satisfied that the proposed credit would comply with the Articles of Agreement of the Association and recommend that the Executive Directors approve the proposed Credit.

James D. Wolfensohn President

by Gautam Kaji

Attachments Washington, D.C. March 4, 1997 -8- Schedule A Page 1 of 2

INDIA

RURAL WOMEN'S DEVELOPMENT AND EMPOWERMENT PROJECT

Estimated Project Cost

- Rs. US$ %of - million - --- million - Base Cost

Local Foreign Total Local Foreign Total Institutional Capacity Building for Women's Development

Establishment of Self-Reliant Women's Groups 317.3 1.5 318.8 9.1 0.0 9.1 18

Strengthening of Participating Agencies to Support 147.1 23.1 170.2 4.2 0.7 4.9 10 Women's Development 464.6 24.6 489.2 13.3 0.7 14.0 28

Support Mechanisms for Women Managed Income Generating Activities

MobilizationofInvestmentFunds 413.7 - 413.7 11.8 - 11.8 23

Provision of Business Management & Technical 294.8 1.2 296.0 8.4 0.0 8.4 17 Support Services to SHG members 708.2 1.2 709.4 20.2 0.0 20.3 40

Mechanisms to Access Social Programs and 263.1 9.1 272.2 7.5 0.3 7.8 15 Leverage Funds for Community Assets Creation 1/

Effective Project Management Systems

Project Management 224.9 15.5 240.4 6.4 0.4 6.9 13 Concurrent Monitoring & Evaluation 75.5 - 75.5 2.2 - 2.2 4 300.4 15.5 315.9 8.6 0.4 9.0 17

Total Baseline Costs 1,736.3 50.4 1786.8 49.6 1.4 51.1 100

Physical Contingencies 72.5 2.8 75.3 2.1 0.1 2.2 4 Price Contingencies 432.2 15.5 447.7 0.2 0.1 0.3 1 Total Project Costs 2,241.1 68.7 2,309.8 51.9 1.6 53.5 105

1/ Only includes project contribution to cost of community assets Figures may appear not to add due to rounding -9- Schedule A Page 2 of 2

Project Financing Plan (US$ Million)

Local Foreign Total % | IDA 18.7 0.8 19.5 36

IFAD 18.4 0.8 19.2 36

GOI/State Governments 3.7 0 3.7 7

Institutional Finance 8.5 - 8.5 16

Beneficiaries 2.9 - 2.9 5

Total Financed 52.2 1.6 53.8 100 -10- Schedule B Page 2 of 2 INDIA

RURAL WOMEN'S DEVELOPMENTAND EMPOWERMENT PROJECT

Procurementand DisbursementArrangements

PROCUREMENT

(Total Costs in US$ Millions)

Procurement Method National Competitive Other2 N.B.F. Total3 Bidding Civil Works" 5.8 5.8 (5.2) (5.2)

Goods Equipment 0.3 0.8 1.0 (0.2) (0.7) (0.9) Furniture 0.3 0.3 (0.3) (0.3) Vehicles 0.7 0.7 (0.6) (0.6) Materials 4.1 4.1 (4.1) (4.1)

Training and Consultancies Project Preparation & Implementation 6.8 6.8 (Includes Consultants, Contractual (6.8) (6.8) Services and Studies)

Institutional Development 16.3 16.3 (Includes NGO Services, Training, Study (16.3) (16.3) Tours, and Workshops)

Investment Funds 11.2 11.2

Miscellaneous Salaries of additional staff 2.7 2.7 (1.7) (1.7) Operational Expenditures 3.6 3.6 (2.1) (2.1) Building Maintenance 0.2 0.2 Equipment Maintenance 0.3 0.3 (0.2) (0.2) Vehicle Maintenance 0.4 0.4 (0.2) (0.2) PPF 0.3 0.3 (0.3) (0.3)

TOTAL 0.3 42.1 11.4 53.8 (0.2) (38.5) (38.7)

Note: Figures in parenthesis are the respective amounts financed by IDA/IFAD in the ration 50:50. "Figures for civil works only represent project contribution to cost of community assets. 21"Other" methods include Force Account, Direct Contracting and Consulting Services. 31Figuresmay not appear to add exactly due to rounding. Schedule B Page 2 of 2 DISBURSEMENT

Category Amount of IDA Amount of IFAD Percentages of Expenditures Credit Allocated Loan Allocated to be Financed Civil Works US$2.5 million US$2.5 million 60% of costs up to a level of US$ 5.5 million Goods, equipment US$2.7 million US$2.7 million 100% of foreign expenditures, and vehicles 100% of local expenditures (ex-factory cost) and 80% of local expenditures for other items procured locally Consultants, NGO US$10.9 million US$10.9 million 100% services, training and workshops, study tours, contractual services and studies Incremental staff and US$2.1 million US$ 2.1 million 90% of local expenditures for operating costs the first and second years, 70% of expenditures for the third year, and 40% of expenditures thereafter Reimbursement of US$0.3 million 100% PPF advance Unallocated US$1.0 million US$1.0 million TOTAL US$19.5 million US$19.2 million

Estimated IDA and IFAD Disbursements:

IDA Fiscal Year (US$ Million)

FY97 FY98 FY99 FYOO FY01 FY02 Annual IDA 1.3 3.0 4.1 4.7 4.4 2.0 Cumulative IDA 1.3 4.3 8.4 13.1 17.5 19.5 Annual IFAD 1.2 2.9 4.0 4.7 4.4 2.0 Cumulative IFAD 1.2 4.1 8.1 12.8 17.2 19.2

Total Annual 2.5 5.9 8.1 9.4 8.8 4.0 Total Cumulative 2.5 8.4 16.5 25.9 34.7 38.7

Figures appear not to add up due to rounding. -12- Schedule C INDIA RURAL WOMEN'S DEVELOPMENT AND EMPOWERMENT PROJECT

Timetable of Key Project Processing Events

(a) Time taken to prepare the project 24 months

(b) Prepared by: State Women's Development Corporations with IFAD Assistance (c) First Bank Mission March 1996

(d) Appraisal Mission Departure: July, 1996

(e) Negotiations November, 1996

(f) Planned Date of Effectiveness June 1997

List of Relevant PCRs and PPARs

Credit/Loan No. Project PCR Date PPAR Date

Cr. 312-IN India: First Population Project May 19, 1981 December 31, 1981 Cr. 981-IN India: Second Population Project June 20, 1989 June 29, 1990 Cr. 1003-IN India: Tamil Nadu Integrated November 26, 1989 December 12, 1994 Nutrition Project Cr. 1426-IN India: Third Population Project August 1, 1993 Cr. 1623-IN India: Fourth Population Project December 12, 1994 Cr. 2448-IN India: Social Safety Net June 22, 1995 Adjustment Program -13-

Status of Bank Group Operations in India Schedule D IBRD Loans and IDA Credits in the Operations Portfolio Page 1 of S (As of December 31, 1996)

Difference Original Amountin USS Between Millions actual and Loan or Fiscal expected Project ID Credit Year Purpose IBRD IDA Cancel- Undis- Disburse- No. lations bursed ments a!

Number of Closed Loans/credits:358

IN-PE-9925 L28450 1987 TALCHERTHERMAL 375.00 0.00 79.90 21.23 101.13 IN-PE-9872 C19230 1988 TAMILNADU URBAN 0.00 300.20 45.47 57.26 99.85 IN-PE-9941 L30960 1989 MAHARASHTRAPOWER 400.00 0.00 62.67 137.20 190.27 IN-PE-9956 L30930 1989 ELECTRONICS 8.00 0.00 0.00 1.75 203.75 IN-PE-9898 L30500 1989 UPPERKRISHNA PHASE I1 165.00 0.00 120.00 41.64 161.64 IN-PE-9869 L30240 1989 NATHPAJHAKRI HYDRO 485.00 0.00 0.00 259.06 239.36 IN-PE-9973 L29940 1989 STATEROADS I 170.00 0.00 61.41 10.05 151.46 IN-PE-9910 C20570 1989 FAMILYWELFARETRG 0.00 113.30 40.54 20.83 63.38 IN-PE-9990 C20080 1989 VOCATIONALTRAINING 0.00 250.00 86.15 79.92 180.36 IN-PE-9982 L32370 1990 NORREG TRANSM 485.00 0.00 0.00 321.61 305.61 IN-PE-9895 L31190 1990 TECHNOLOGYDEVELOP. 145.00 0.00 10.00 37.38 47.38 IN-PE-9932 C21580 1990 SECONDTN NUTRITION 0.00 95.80 29.81 11.84 26.76 IN-PE-9940 C21330 1990 POP. TRG(VII) 0.00 86.70 22.74 17.52 37.40 IN-PE-9860 C21310 1990 WTRSHEDPLAINS 0.00 55.00 0.00 26.25 10.03 IN-PE-9989 C21300 1990 TECHNICIANEDUC. I 0.00 235.00 24.26 83.40 84.19 IN-PE-9890 C21150 1990 HYDERABADW/S 0.00 79.90 0.00 35.71 25.44 IN-PE-9882 C21000 1990 WTRSHEDHILLS 0.00 75.00 0.00 37.04 30.46 IN-PE-9965 C20760 1990 PUNJABIRR & DRAINAGE 0.00 150.00 4.72 53.20 34.64 IN-PE-9895 C20640 1990 TECHNOLOGYDEVELOP.. 0.00 55.00 0.00 33.56 25.55 IN-PE-10381 L33640 1991 GAS FLARINGREDUCTION 450.00 0.00 0.00 29.16 29.16 IN-PE-9906 L33340 1991 IND POLLUTIONCONTROL 124.00 0.00 0.00 38.62 .02 IN-PE-9958 L33000 1991 AGR.DEV.I(TN) 20.00 0.00 0.00 20.00 1.25 EN-PE-9885 L32590 1991 PETROCHEMIICALS 233.00 0.00 70.30 35.68 -127.02 IN-PE-9885 L32580 1991 PETROCHEMICALS 12.00 0.00 0.00 4.92 4.93 IN-PE-9906 C22520 1991 IND POLLUTIONCONTROL 0.00 31.60 0.00 28.33 26.35 IN-PE-9877 C22410 1991 DAMSAFETY 0.00 130.00 0.00 108.40 110.41 IN-PE-10369 C22340 1991 MAHARASHTRARURAL WS 0.00 109.90 0.00 62.03 61.21 IN-PE-9988 C22230 1991 TECHNICLANEDUC 1 0.00 307.10 51.37 157.50 141.86 IN-PE-9958 C22150 1991 AGR.DEVELOPMENT.I(TN) 0.00 92.80 0.00 30.24 17.09 IN-PE-10361 C21730 1991 ICDSI (ORIS& A.P.) 0.00 96.00 21.65 28.67 38.58 IN-PE-10400 L34980 1992 MIAHARASHTRAPOWER II 350.00 0.00 0.00 237.75 208.75 IN-PE-9946 L34700 1992 NATionalHIGHWAYS II 153.00 0.00 0.00 153.00 0.00 IN-PE-9888 L34360 1992 POWERUTIL EFFICIMPROVE. 265.00 0.00 0.00 133.12 96.02 LN-PE-9963 C23940 1992 POPULATIONVIII 0.00 79.00 0.00 76.76 43.14 IN-PE-9946 C23650 1992 NAT.HIGHWAYS II 0.00 153.00 0.00 102.11 46.21 IN-PE-10393 C23500 1992 AIDSPREVENT. & CONTROL 0.00 84.00 0.00 46.57 36.87 IN-PE-10391 C23410 1992 WESTBENGALFORESTRY 0.00 34.00 0.00 13.08 6.12 IN-PE-9921 C23290 1992 SHRIMP& FISH CULTUR 0.00 85.00 0.00 80.10 56.24 IN-PE-10390 C23280 1992 MiAHARASHTRAFORESTRY 0.00 124.00 0.00 90.83 38.22 JN-PE-10423 L36320 1993 NTPCPOWER GENERATION 400.00 0.00 0.00 333.29 323.29 IN-PE-10416 L35770 1993 PGC POWERSYSTEM 350.00 0.00 0.00 210.94 118.54 I4-PE-10424 C25280 1993 NATLLEPROSY ELTIMNATION 0.00 85.00 0.00 61.07 29.92 DN-PE-9961 C25100 1993 UP SODICLANDS RECLAM. 0.00 54.70 0.00 40.34 10.64 IN-PE-9955 C25090 1993 LTTARPRADESH BASIC ED. 0.00 165.00 0.00 92.29 2.74 IN-PE-10418 C24830 1993 KARNATAKAWS & ENV/SAN. 0.00 92.00 0.00 77.71 37.69 IN-PE-9977 C24700 1993 ICDSII (BUIAR& MP) 0.00 194.00 0.00 180.67 62.72 -14- Schedule D Page 2 of 5

Difference OriginalAmount in USS Between Millions actualand Loanor Fiscai expected Project ED CreditNo. Year Purpose IBRD IDA Cancel- Undis- Disburse- lations bursed mentsa/ IN-PE-10411 C24500 1993 JHARIA MINEFIRE CONTROL 0.00 12.00 0.00 6.39 5.88 EN-PE-10410 C24490 1993 RENEWABLERESOURCES 0.00 115.00 0.00 96.02 173.71 IN-PE-10408 C24390 1993 Br-iARPLATEAU 0.00 117.00 0.00 96.65 50.68 IN-PE-10407 C24330 1993 ADP - RAJASTIIAN 0.00 106.00 0.00 58.20 15.67 IN-PE-9959 C24090 1993 RUBBER 0.00 92.00 0.00 83.35 40.61 IN-PE-9870 L37530 1994 CONTAINERTRANSPORT 94.00 0.00 0.00 82.60 42.60 IN-PE-10457 C26300 1994 POPULATIONIx 0.00 88.60 0.00 82.77 11.10 IN-PE-10455 C26110 1994 BLINDNESSCONTROL 0.00 117.80 0.00 110.08 1727 IN-PE-34162 C25940 1994 MAHARASHTRAEARTHQUAKE 0.00 246.00 0.00 150.89 85.91 IN-PE-9964 C25920 1994 WATERRES CONSOL.HARYANA 0.00 258.00 0.00 224.13 44.11 IN-PE-10449 C25730 1994 ANDHRAPRADESH FORESTRY 0.00 77.40 0.00 66.96 15.45 IN-PE-10448 C25720 1994 FORESTRYRESEARCHED. 0.00 47.00 0.00 36.78 15.80 IN-PE-10461 L39076 1995 MADRASWATER SUP II 269.80 0.00 189.30 80.50 0.00 IN-PE-10461 L39070 1995 MADRASWATER SUP Ii 6.00 0.00 0.00 .01 29.95 IN-PE-10563 L38576 1995 FINANCIALSECTOR DEV 144.00 0.00 0.00 144.00 0.00 IN-PE-10563 L38560 1995 FINANCIALSECTOR DEV 350.00 0.00 0.00 200.00 -150.00 L4N-PE-10463L37806 1995 INDUSPOLLUTION PREVENTION 50.00 0.00 0.00 50.00 0.00 IN-PE-10463 L37790 1995 INDUSPOLLUTION PREVENTION 93.00 0.00 0.00 88.00 -.32 IN-PE-10476 C27450 1995 TAMILNADU WRCP 0.00 282.90 0.00 247.88 28.72 IN-PE-10522 C27330 1995 ASSAMRURAL INFRASTRUCTURE 0.00 126.00 0.00 114.36 10.60 IN-PE-10506 C27000 1995 MP FORESTRY 0.00 58.00 0.00 49.97 1.03 IN-PE-10503 C26990 1995 AGRICHUMAN RES DEVT 0.00 59.50 0.00 54.23 12.72 IN-PE-10489 C26630 1995 AP IST REF. HEALTH 0.00 133.00 0.00 127.75 15.91 IN-PE-10464 C26610 1995 DISTRICTPRIMAARY ED. 0.00 260.30 0.00 227.89 24.69 IN-PE-10463 C26450 1995 IN4DUSPOLLUTION PREVENTION 0.00 25.00 0.00 25.47 24.99 IN-PE-10484 L40560 1996 UP RURALWATER 59.60 0.00 0.00 57.42 -1.28 IN-PE-35170 L40140 1996 ORISSAPOWER SECTOR 350.00 0.00 0.00 343.99 -6.01 IN-PE-39935 L39920 1996 ILFS-INFRASTRUCTUREFINANCE 200.00 0.00 0.00 200.00 0.00 IN-PE-10480 L39230 1996 BOMBAYSEWAGE DISPOSAL 167.00 0.00 0.00 167.00 18.30 IN-PE-35821 C28760 1996 DISTRICTPRIMARY EDUC Ii 0.00 425.20 0.00 410.32 -8.49 IN-PE-43310 C28620 1996 COALENV & SOCIALMITIGATION 0.00 63.00 0.00 59.18 -3.00 IN-PE-39935 C28380 1996 ILFS-INFRASTRUCTUREFINANCE 0.00 5.00 0.00 4.88 1.50 LN-PE-35825 C28330 1996 STATEHEALTH SYSTEMS II 0.00 350.00 0.00 326.60 12.86 IN-PE-10529 C28010 1996 ORISSAWRCP 0.00 290.90 0.00 257.08 -8.90 IN-PE-10485 C27740 1996 HYDROLOGYPROJECT 0.00 142.00 0.00 125.04 -4.37 IN-PE-10480 C27630 1996 BONBAYSEWAGE DISPOSAL 0.00 25.00 0.00 5.01 6.97 IN-PE-45600 L41140 1997 TASTS RD ITFRASTRUC.DEV 51.50 0.00 0.00 51.50 0.00 IN-PE-43728 C29300 1997 ENVCAPACITY BLDG TA 0.00 50.00 0.00 49.82 0.00 IN-PE-36062 C29160 1997 ECODEVELOP.MENT 0.00 28.00 0.00 27.99 0.00

Total 6,424.90 7,013.60 920.29 8,350.34

ActiveLoans ClosedLoans Total Total Disbursed(IMRDand IDA): 4,298.99 29,132.22 33,431.21 of whichhas beenrepaid: 217.53 8,001.03 8,218.56 Total nowheld by LBRDand IDA: 12,300.68 20,601.86 32,902.54 Amountsold. 0.00 133.77 133.77 Of which repaid. 0.00 133.77 133.77 Total Undisbursed: 8,350.34 112.12 8,462.46 a/ Intendeddisbursements to date minusactual disbursementsto dateas projectedat appraisal. -15 -

Schedule D Page 3 of 5 India STATEMENTOF IFC's Committed and Disbursed Portfolio (As of December 3 1, 1996) In US$ Millions

Committed Disbursed

IFC - IFC FY Company Loan Equity Quasi Partic Loan Equity Quasi Partic Appro val 1964 MUSCO 0.00 .47 0.00 0.00 0.00 .47 0.00 0.00 1975 MUSCO 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1978 HDFC 0.00 .41 0.00 0.00 0.00 .41 0.00 0.00 1979 iMUSCO 0.00 .20 0.00 0.00 0.00 .20 0.00 0.00 1981 ITW Signode 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1981 M&M 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1981 Nagarjuna Steel 0.00 .07 0.00 0.00 0.00 .07 0.00 0.00 1981 TISCO 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1982 Modi Cement 18.65 0.00 0.00 0.00 18.65 0.00 0.00 0.00 1984 Bihar Sponge 14.47 .63 0.00 0.00 14.47 .63 0.00 0.00 1984 India Lease 0.00 .35 0.00 0.00 0.00 .35 0.00 0.00 1986 EXB-City Mills .48 0.00 0.00 0.00 .48 0.00 0.00 0.00 1986 EXB-CECL .01 0.00 0.00 0.00 .01 0.00 0.00 0.00 1986 EXB-NB Footwear .19 0.00 0.00 0.00 .19 0.00 0.00 0.00 1986 EXB-Paharpur .22 0.00 0.00 0.00 .22 0.00 0.00 0.00 1986 EXB-STG .48 0.00 0.00 0.00 .48 0.00 0.00 0.00 1986 EXB-TAN .03 0.00 0.00 0.00 .03 0.00 0.00 0.00 1986 EXB-Wires& Fab. .11 0.00 0.00 0.00 .11 0.00 0.00 0.00 1986 GESCO 0.00 8.46 0.00 0.00 0.00 8.46 0.00 0.00 1986 India Equipment 0.00 .30 0.00 0.00 0.00 .30 0.00 0.00 1986 ITW Signode 0.00 .30 0.00 0.00 0.00 .30 0.00 0.00 1986 TISCO 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1987 Hindustan 9.17 0.00 0.00 0.00 9.17 0.00 0.00 0.00 1987 HDFC 0.00 .26 0.00 0.00 0.00 .26 0.00 0.00 1987 Titan Watches 2.09 .39 0.00 0.00 2.09 .39 0.00 0.00 1988 GKN Invel 0.00 1.07 0.00 0.00 0.00 1.07 0.00 0.00 1988 Tata Telecom 0.00 .05 0.00 0.00 0.00 .05 0.00 0.00 1988 Titan Watches 2.15 0.00 0.00 0.00 2.15 0.00 0.00 0.00 1989 AEC 15.30 0.00 0.00 0.00 15.30 0.00 0.00 0.00 1989 Gujarat State 11.69 0.00 0.00 0.00 11.69 0.00 0.00 0.00 1989 JSB India 0.00 .37 0.00 0.00 0.00 .37 0.00 0.00 1989 Tata Electric 34.76 0.00 0.00 0.00 34.76 0.00 0.00 0.00 1989 TISCO 11.24 12.34 0.00 0.00 11.24 12.34 0.00 0.00 1989 UCAL 0.00 .63 0.00 0.00 0.00 .63 0.00 0.00 1990 CESC 20.08 0.00 0.00 0.00 20.08 0.00 0.00 0.00 1990 HOEL 0.00 .28 0.00 0.00 0.00 .28 0.00 0.00 1990 India Lease 1.53 .21 0.00 0.00 1.53 .21 0.00 0.00 1990 ICICI-IFGL 0.00 .16 0.00 0.00 0.00 .16 0.00 0.00 1990 ICICI-SPIC Fine 0.00 1.02 0.00 0.00 0.00 1.02 0.00 0.00 1990 IL & FS 13.50 0.00 1.81 0.00 13.50 0.00 1.81 0.00 1990 M&M 1.00 5.78 0.00 4.67 1.00 5.78 0.00 4.67 -16- ScheduleD Page 4 of 5 Committed Disbursed

IFC -- IFC FY Company Loan Equity Quasi Partic Loan Equity Quasi Partic Appro val 1990 .mUSCO 0.00 43 0.00 0.00 0.00 .43 0.00 0.00 1990 Tata Electric 59.39 0.00 0.00 0.00 59.39 0.00 0.00 0.00 1990 Tata Telecom 0.00 .02 0.00 0.00 0.00 .02 0.00 0.00 1990 Titan Watches 0.00 .12 0.00 0.00 0.00 .12 0.00 0.00 1990 TDICI-VECAUS II 0.00 1.94 0.00 0.00 0.00 1.94 0.00 0.00 1991 Bihar Sponge 0.00 .05 0.00 0.00 0.00 .05 0 00 0.00 1991 Block KG-OS-IV 0.00 .02 0.00 0.00 0.00 0.00 0.00 0.00 1991 BSES 47.50 0.00 0.00 0.00 47.50 0.00 0.00 0.00 1991 Gujarat State 2.85 0.00 0.00 0.00 2.85 0.00 0.00 0.00 1991 HDFC 40.00 .32 0.00 0.00 40.00 .32 0.00 0.00 1991 ITW Signode 0.00 .11 0.00 0.00 0.00 .11 0.00 0.00 1991 Triveni 0.00 .36 0.00 0.00 0.00 .36 0.00 0.00 1991 VARUN 7.50 1.35 0.00 0.00 7.50 1.35 0.00 0.00 1992 Arvind Mills 0.00 6.55 0.00 0.00 0.00 6.55 0.00 0.00 1992 Creditcapital VF 0.00 .45 0.00 0.00 0.00 .45 0.00 0.00 1992 CESC 30.00 0.00 0.00 67.00 30.00 0.00 0.00 30.00 1992 GESCO 0.00 0.00 0.00 9.91 0.00 0.00 0.00 9.91 1992 Indus VC Mgt Co 0.00 .01 0.00 0.00 0.00 .01 0.00 0.00 1992 Indus VCF 0.00 1.00 0.00 0.00 0.00 1.00 0.00 0.00 1992 Info Tech Fund 0.00 .64 0.00 0.00 0.00 .64 0.00 0.00 1992 Nippon Denro 31.43 5.77 0.00 0.00 31.43 5.77 0.00 0.00 1992 NICCO-UCO 2.06 .15 0.00 0.00 2.06 .15 0.00 0.00 1992 SKF Bearings 7.66 0.00 0.00 0.00 7.66 0.00 0.00 0.00 1992 Tata Telecom 0.00 .03 0.00 0.00 0.00 .03 0.00 0.00 1992 TISCO 0.00 3.03 0.00 0.00 0.00 3.03 0.00 0.00 1993 Arvind Mills 0.00 10.55 0.00 0.00 0.00 10.55 0.00 0.00 1993 GESCO 0.00 2.56 0.00 0.00 0.00 2.56 0.00 0.00 1993 HDFC 0.00 1.30 0.00 0.00 0.00 1.30 0.00 0.00 1993 India Equipment .65 0.00 0.00 1.60 .65 0.00 0.00 1.60 1993 Indo Rama 21.88 9.84 0.00 9.38 21.88 9.84 0.00 9.38 1993 IL&FS 0.00 3.11 0.00 0.00 0.00 3.11 0.00 0.00 1993 ITW Signode 0.00 .60 0.00 0.00 0.00 .60 0.00 0.00 1993 M&M 0.00 .71 0.00 0.00 0.00 .71 0.00 0.00 1993 Titan Watches 0.00 .52 0.00 0.00 0.00 .52 0.00 0.00 1993 Triveni 0.00 .75 0.00 0.00 0.00 .75 0.00 0.00 1993 20TH Century .93 .80 0.00 7.11 .93 .80 0.00 7.11 1994 Centurion Growth 0.00 2.39 0.00 0.00 0.00 2.39 0.00 0.00 1994 Chowgule 15.00 4.58 0.00 27.00 6.88 4.58 0.00 0.00 1994 Crdcap Asset Mgt 0.00 .32 0.00 0.00 0.00 .32 0.00 0.00 1994 DLF Cement 15.32 0.00 0.00 17.00 15.32 0.00 0.00 17.00 1994 GlobalTrust 0.00 3.19 0.00 0.00 0.00 3.19 0.00 0.00 1994 Gujarat Ambuja 0.00 8.23 0.00 0.00 0.00 8.23 0.00 0.00 1994 GESCO 0.00 2.03 0.00 0.00 0.00 2.03 0.00 0.00 1994 GKN Invel 0.00 .33 0.00 0.00 0.00 .33 0.00 0.00 1994 GVK 40.00 8.30 0.00 0.00 0.00 8.30 0.00 0.00 1994 India Equipment 0.00 .14 0.00 0.00 0.00 .14 0.00 0.00 1994 India Lease 0.00 .30 0.00 0.00 0.00 .30 0.00 0.00 -17 -

ScheduleD Page 5 of 5 Committed Disbursed

IFC - IFC FY Company Loan Equity Quasi Partic Loan Equity Quasi Partic Appro val 1994 Indo Ram.a 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1994 ICICI-IFGL 0.00 .14 0.00 0.00 0.00 .14 0.00 0.00 1994 IL & FS 15.00 0.00 0.00 10.00 15.00 0.00 0.00 10.00 1994 Nippon Denro 30.00 0.00 0.00 60.00 0.00 0.00 0.00 0.00 1994 Tata Electric 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1994 Taurus Starshare 0.00 7.17 0.00 0.00 0.00 7.17 0.00 0.00 1994 TCAMC 0.00 .16 0.00 0.00 0.00 .16 0.00 0.00 1994 TISCO 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1995 Centurion Bank 0.00 3.87 0.00 0.00 0.00 3.87 0.00 0.00 1995 Creditcapital VF 0.00 .60 0.00 0.00 0.00 .60 0.00 0.00 1995 EXIMBANK 25.00 0.00 0.00 0.00 22.00 0.00 0.00 0.00 1995 India Equipment 0.00 .33 0.00 0.00 0.00 .33 0.00 0.00 1995 ICICI-SPIC Fine 0.00 .86 0.00 0.00 0.00 .86 0.00 0.00 1995 ISIC 0.00 .32 0.00 0.00 0.00 .32 0.00 0.00 1995 JSB India 0.00 .84 0.00 0.00 0.00 .84 0.00 0.00 1995 Prism Cement 15.00 5.02 0.00 15.00 15.00 5.02 0.00 12.50 1995 Rain Calciring 19.25 5.40 0.00 0.00 0.00 4.72 0.00 0.00 1995 RPG Communicat 0.00 8.30 0.00 0.00 0.00 6.28 0.00 0.00 1995 Sara Fund 0.00 7.02 0.00 0.00 0.00 1.10 0.00 0.00 1995 SRF Finance 15.00 5.00 0.00 0.00 15.00 4.39 0.00 0.00 1996 CVF Oil Gas-AL 8.00 8.00 0.00 0.00 0.00 0.00 0.00 0.00 1996 India Direct Fnd 0.00 7.50 0.00 0.00 0.00 .74 0.00 0.00 1996 Indo Rama 0.00 2.14 0.00 0.00 0.00 2.14 0.00 0.00 1996 Indus II 0.00 5.00 0.00 0.00 0.00 2.00 0.00 0.00 1996 Indus Mauritius 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1996 ITW Signode 0.00 .54 0.00 0.00 0.00 .54 0.00 0.00 1996 Moser Baer 5.70 .60 0.00 0.00 5.70 0.00 0.00 0.00 1996 NICCO-UCO 0.00 .22 0.00 0.00 0.00 .22 0.00 0.00 1996 United Riceland 10.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1996 VARUN 5.67 0.00 0.00 6.00 5.67 0.00 0.00 6.00 1997 CEAT 20.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1997 WTPRO 10.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1997 20TH Century 15.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PortfolioTotals: 672.94 185.68 1.81 234.67 509.57 158.07 1.81 108.17

Pending Comnnitments 1996 * CESC II -BLINC 0.00 0.00 0.00 37.00 1996 * DEV CREDIT BANK 0.00 1.89 0.00 0.00 1995 * IB VALLEY POWER 50.00 20.00 0.00 0.00 1997 *ITC CLASSIC 20.00 0.00 10.00 0.00 1994 * NEYVELI POWER 30.00 18.00 0.00 150.00 1994 * NIPPON DENRO ISP 0.00 6.00 0.00 0.00 1997 * NIPPON EXPANSION 15.00 6.00 0.00 25.00 1995 * SPIC-RGHTS ISSUE 0.00 .86 0.00 0.00 1996 * TARUN SHIPPING 0.00 .80 0.00 0.00 -18-

Schedule E India at a glance

POVERTYand SOCIAL South Low- India Asia income9 Developmentdiamond Populationmid-1995 (mions) 9294 1,243 3.188 GNPper capita 1995(US$) 350 35 460ife GNP 1995(biilos US$) 327.0 435 1,466 Averageannual growth, 19905 :: PopLulation(%/) 18 19 18 GNP Gross Laborforforce X ; 0 0000000000i:;0: tii;ft; j;04 - 00 t.i:0;.it;t;2t .1 t400Xi;;i; 24 19 ;tg0; per24 I < > Irpmarpnrnary0t019 Mostrecent estimate (latest year avalab e since capita enrolimen Poverty: headcourit Index (36 orpopuionor ) Urbanpopulation (% of totalpj ufaboi 29 26 29 Lifeexpectancyr at birthl(erj 2 61 6 InfantrnoitaRy(per1 Oti000 bffhs) ::ji:: :: : ::j 68 j j; jXij :; j;73ij : ;g g;f t; 58yt ;; t Accessto safe Child inalnutrition(%fo ofchiren undir 5)::i 63 62: 38: Access to safewater ( of population). 85 81 : :?Ser l1literacy(ofcp9u1atonage15-i) 4a 50 34 Gross primaryenrollnent oofgePctaltt) n 102 q98 :::ii:1p 05 Male : 113 110 112 - Low-ircomegroup Female 91 8 98

KEY ECONOMICRATIOS and LONG-TERMTRENDS 1975 t9SS 1994 1995 GOP (btlions USS) 91.0 214.3 301.2 329.9 Economicratios Gross domesticinvestmentfGDP 20.8 23 9 23.2 24:2 Exportsof goodsand non-factorservices/GOP 6.2 60 11.3 12.4 Opennessof Gross domesticsavinis/GP 20.4 28t 21.5 223 : economy Gross nationalsavings/GDP 20.8 211 22 3 226 Currentaccount balanceiGP - 1 8 -2 -.C -1:6: Interestpaynetsf/G0P 0.3 0.6 1.3 1.3 Savings H-< ' ) - Investmen Total debtUGDP 15:1 19.1 329 31.0 \ t Total debt serviceiexpotts 13.1 227 26:3 25.6 Presentvalue of debt/GDP .. 23.5 Presentvalue of debt/exports .. t76.71 Indebtednes

1975-84 198S45 1994 1995 1996-04 s (averageannual growth) India GOP (factorcost) 4.0 5.1 63 6 0 60 I GNPpercaprta . 1.7 3.1 6.1 46 46 - Lowimncomegroup Exports of goods and nfs 4.0 107 4,1 17.6 8.9 | -

STRUCTURE of the ECONOMY 1975 1985 1994 1995 (% of GDP) Growthrates of output and Investment(') Agriculture 40.5 33.0 31 1 30 3 20 Industry 23 7 28.1 28.0 269 o1 Manufacturing 167 17.9 17 4 18.4 Services 35.8 38.8 40 9 40.9 92 93 94 95 Privateconsumption 70 2 68 1 68 2 67.3 20 Generalgovernment consumption 9.4 11 1 10.3 103 G0I 0-GOP Irports of goodsand non-factorservices 6 6 9 1 13,0 14 3

1975-84 1985-95 1994 1995 (averageannuai growth) Growthrates of exportsand imports f%l Agriculture 2 4 3 6 4 9 3 0 3o Industry 5.2 5 9 8.3 100 T0 Manufacturing 54 5 8 9 0 12 2 1 t Services 4 7 5 7 6.0 5 3 t Privateconsumption 4 4 4 7 5 0 4 6 ID IV,o9 92 93 945 95 Generalgovernment consumption 6 2 4.2 3 0 65 ._ Gross domesticinvestment 3.7 6.1 19 8 11.2 .20 imporis of goodsand non-factorservices 9.3 4 7 198 13 7 E-xorts 0 Irports Gross nationalproutuct 4 0 5 2 6 5 6 4

Note. 1995data are preliminaryestimates. Thediamonds show four key indicatorsin the country(in bold)compared with its income-groupaverage. If data aremissing, the diamondwill be incomplete IBRD28268

84- i 85G 8&6 87° 88 .

-> E ' INDIA WEST RURALWOMEN'S DEVELOPMENT 2.." CHAMPARAN AND EMPOWERMENTPROJECT

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BHAURANGABAD a Godda SAHIBGANs :~~ * w -x, i S. SX ^' . v ?-,Shari Bhr J' .~~~~~~-~.l >o''g Ks9s/?Gaya o 0 S ' NAWADAs ; Bkagt lpur . ahOb.a.

4> ' Aurangabod ^ ' GAYA 8/wtv>GDAgr - 0~~~~~~~~~~~~~~2

ROHTAS*HAN ABA D , Devghr-.: AURANGABAD~~~~ CodANBADIBGAN 25) PALAMU GIRIDIHMU R DEVGHAR DUMKA /

^/i?HAZARIBAG -Giridii ° . . DumHkaAL

-24° 7 1 Daltengoni w - 24

2 Aur\ngabad Dhnbc GO.DD

GAYA * J

* /->LOHARDAGA4> lj* (s**. = S. w s °Lohorda9ao Ronch; ZIII9PHASE IDISTRICTS

-@ ~~~~>--Hs}| |~~~~I PHASE11 DISTRICTS

23'~ f RANCHI , . RVR

tGUMLA 0 D ~ItOSTAITECAPITALS23- Xfft~ ~t ~~~~ STT CAPITA P U DISTRICT BOUNDARIES -'/ SiH SINGHBHUM e.> - STATEGBOUNDARIES

_ f ~~~~~~~~~~Chaibosao> - INTERNATIONALBOUNDARIES

24-22° "lte.n^ ' ' > ^n,

' ~~~~~~~~~~~~~~~~~~~22-

0 25 50 75 Kilometers I I I I .. Tho nap woamproduced by the Map Den.go Unmtof ktheWorld Book. I I I . The houttdor,es,colo,-n, deno,oitotiono and any>other informnotio o 25 50 75 Miles tkoo'n on fhs omapdo not Imp!>' ontthe ponool TheWorld Boonk , er fB >, Group, ott> jodgotaot on thetegol ototio dottay territory, or ony , , eodorsementor occepta nce ofsuh bouttdar;eo 85' 8 6 r67° 88'

SEPTEMBER1 996

689 703 .~~~~~~~~~~) 7T2 74 INDIA

RURALWOMEN'S DEVELOPMENT -... T.hend--le b colord--omm,-ns-d -y the- -fi-ms

AND EMPOWERMENTPROJECT | i .¢- _- GrosarYloracehmhessuhb-und--Yer-. rn GUJARAT ? '- ~~~BANASKANTHA w~~~ FX o._,_, j- I ,e' ' O~~~~~~~~~~~~~~~~~~~Palanpur

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s STATEBCOUNDARIES3/

~ ~INTERNATIONALBOUNDARIES ' 35 70 Kilmeer

a #e 0. t <,~~~~~~ I III ~ ~ ~~~~~~~~~~~~~~~~~~~~~~~~~~i w ~ ~ ~~35 ~ ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~070 Miles i

_ 683 710 712 7 4"t

IBRD28270

31 75i 76° 77- 31 INDIA jt RURALWOMEN'S DEVELOPMENT AND EMPOWERMENTPROJECT CHANDIGARH HARYANA

| PHASEI DISTRICTS ' PHASE11 DISTRICTS

RIVERS~~~~~~~~~~~~~~~~,,,. C. _'',§ RIVERS _, 'Ambala' YAMUNA- CANALS AMBALA NAGAR " 0 DISTRICTCAPITALS

(®) STATECAPITAL . - Yamuna Nagar ( DISTRICTBOUNDARIES , _;y . 0

30- STATEBOUNDARIES * 3 .- ~~~~~... ~~~~KURUKSHETRA %., s x x \ .- , Kurukshelro T A

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S I R S A KAITHAL ^

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(. Hisoro 29 _ i>> ~~~~~~rt %t. * S ,ONIPA1\l 29- 29 29

- ~~ ~~~~ ~~ Rohtak -

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, /S g 8 ,/ } ii \fl t, - GurgaonO \ J Q *\

GURGAON ! <2. 'k RREWARI . ~ ORewari .fa,i, FARIDABAD(.

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o 25 5D Kilometers _ . I I I I .* '. ' 0 25 50 Miles

Thismrop o'ooproduced by the Mop Design U,t of TheWorld Book Thebodr,es colors.d-o-onot-oos od ony other f-hormoto ,ho-c oathi, -op do rot -oply,o- theport of TheWord Botk Group.any ludgoeot on thelegol ,toso of rmy er;itany. or coy rodorsementor accept-nceof suchb-ondor.eo.

75° 760 77-

SEPTEMBER1996

IBRD28271

7,4r INDIA 76° 78' RURALWOMEN'S DEVELOPMENTAND EMPOWERMENTPROJECT

KARNATAKA BIdARO?, 1- PHASEI DISTRICTS ( PHASE11 DISTRICTS

RIVERS

0 DISTRICTCAPITALS It *Gulborga ®) STATECAPITAL t a DISTRICTBOUNDARIES -g - ~STATE BOUNDARIES , t.>.,, G U LGIBR GA '* \ ;)t OBijapurt

-> <--,.- BIJAPUR

* K, - s. ~X__ ! Roichuro

_BELGAUM s .* 16°6' BeIgaum - i- / t RAICHUR 16°

N*.>i t Dhorwad i .

DHARWAD \Bellry

. a ( BEs E l LLLARYz':Z

Karwab UT R r Karwco U T TA R A ( J . . , j 0 40 80 Kilometers KANNADA I I I

2 s s 2 l i D~>° 40 80 Miles N ~~~~ CHiTRADURGA , r* .

* { .SHIMOGA I futgO 71''

14 ShimogO 1

N¢ /_^ N' ¢_ ;

Nj ,,r \ I IUMKURT ' KOlLAR ) 1CHIKKAMAG E ulr t Chikkamaglore

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'.fr _, vo / t) MANDYA

- - ~ ~ ( ~ Mandya 0o' *

) KODA N Mr Co

MYSORE

* * r ~Thismap sproducd by the Mop Design ni of TIre World Book .* . Theboundaries, colors, de aon and- yoher ra Gop a thny mentompy,p dg sh leg port of The World 8orny shon thisyjmdo-nt impy,on the portof hyeW,ord Boky endorselmentno ccsptinne of suchbo-ndocns

74' 76° 78°

SEPTEMBER1996

72' 74- 76~ 78' 80 82' 84

Thismap Was producedby theMop DesignUnit of TheWorld Bank v . The boundnes,coors, denomoa a,d-ns any other-i t,- -ormoton / shoanon ths cop do notimply, n thepro- ofT WorldBo-k s, M v HINO . Group, anyjudgment on thelegal sttoms of any territoy or any o endorsementoracceptance of suchboundaries f 26- °/r ;M O RE NA GWALIO I J 26'

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200 ~~MADHYAPRADESH:Nv20 7g -180 ' ' ~STATEBOUNDARES 0 50 100Mles t !)18 '

o. PHASEI DISTRICTS I IIp_ LI]PHASEII DISTRICTS BASTA

-RIVERS 2 8° 20-980 20o 74 DISTRICTCAPITALS I

STATECAPITAL 0 50 100 Kilometers DISTRICTBOUNDARIES -

-. -STATE BOUNDARIES 0 I0 I Miles -

740 76, 780 800 82? 840 NI

IBRD 28273

32 78 810 82 84° 32 J INDIA RURALWOMEN'S DEVELOPMENT AND EMPOWERMENTPROJECT ' \- 1, IUrAR PRADESH UTTARKASHI

zDEHRA PHASEI DISTRICTS s . s - . ~~~~CHAMOLI' *,AMOLI ) S X XPHASE11DISTRICTS 'pehroDurr TEHRIGARHWAL s Chai 4 Po WWC MANAGED DISTRICTS

. Narendrwgafss' PITHORAGARH, / 1 30 - / -- i O/.ar, i i t ' RIVERS -30 t Sakaranpur - >Puri i DITRC CAPITALS3 O Hariorwo GARHWAL (SAHARANPIJRHARIDWAR ALMORA ® STATECAPITAL Mz-sf*a' - . : Almora lihorogarh -^ - DISTRICTBOUNDARIES

0 naor BIJNOR - , STATEBOUNDARIES IMUZAFFARNAGARoBijnor NainiTal O ' INTERNATIONALBOUNDARIES

NAINITAL J MEERUT OMeerut " - Moradabad RAMPURp., N5 - QHAZIABAD 0 Romptj'r 0 OGhaziobq&. wMORADABAl. -Rampur 0 PilibElt 8~ 0 ,\25 ^ 50 75 100Kilometers Bulandshal*, BAREILLY LIBHIT 0 PIUBHIT •~~~~x x A rw.y s,_0~~~~~~~~~~~~~~-f 0 25 50~~~ 75 100 MIles BRULANDSHAHRS. Bareilly 0 2 5 7 t BUDAUNR - '-I KHERI

28 J OA4gorh v >,, Budaun&HAHJAHANPUR t Lakhimpur 4 28

- ALIGAkH- ETAH _ BAHRAICH _ evATHURA >OEIah X s 4 r -. * 51s

_;nFatehgarls Hardi . SanaiKa

0 F..' A OFIROZABAD 0~~~~t R HARDOI' '>} GONDA'<^s ChaurahO3 MAHARAJGA\

(RURAL) " B 3I v RaeBai S ps. f 0 sultannpuQ JALAUN > s -. AR a° S . f Azamgarh A -26- JOaun 3i ~ t1' ( PR PGAH *R tAZAMGAR BHOYJA'- 26- 26 Jalaun F RAIAR;ARIT~~~~~~-- BALLIA ( .- r FATE4

,VARANASI 0 ~~~~* n 'w--t '# EALLAHABAD>'-',' . s _ * s ,,_ * j'; I Mirzapur '-- MIRZAPUR

°_ . Robertsgonji LALITPUR ,SONBHADRA'

24 '. 24 N-..-- \

Th,smop W0 producedby theMop De-tgo Uoit of Th. WoddBook Thehoo-dores- colo, decoronotonsand cny other -for-o6h- showno- th,s -op do -otioply -o thoport of TheWorld Bok to, Group,any c.dg-ent o- he ie9!status of anyterritory, or any endorsementor acceptanceof such hoondor,es.

78° 82. 84'

SEPTEMBER1996

IMAGING

ReportNo.: P 7017 IN Type: MOP