1. Resource Mobilization among WomenResource Mobilization among Women
in Kerala with reference toin Kerala with reference to
KudumbashreeKudumbashree
Nibu VargheseNibu Varghese
Dept.ofEconomicsDept.ofEconomics
C.M.S.CollegeC.M.S.College

2. IntroductionIntroduction
• The formal launch of Kudumbashree was onThe formal launch of Kudumbashree was on
May 1998.The crux of the programme was toMay 1998.The crux of the programme was to
 Bring voice of women in decentralizedBring voice of women in decentralized
planning processplanning process
Use micro finance as a means of accessingUse micro finance as a means of accessing
credit through financial institutions.credit through financial institutions.
Create spaces for poor women to interfere withCreate spaces for poor women to interfere with
local governments through anti-povertylocal governments through anti-poverty
programmes.programmes.
Create network of Neighbor Hood GroupsCreate network of Neighbor Hood Groups
across all wards.across all wards.

3. Structure ofStructure of KudumbashreeKudumbashree
 Neighbor Hood Groups- lowest tier with 10-Neighbor Hood Groups- lowest tier with 10-
20 members selected from economically20 members selected from economically
backward communities.backward communities.
 Area Development Society- formed at theArea Development Society- formed at the
ward level by federating all NHGs in theward level by federating all NHGs in the
ward.ward.
 Community Development Society- formedCommunity Development Society- formed
by federating all ADS in local bodies.by federating all ADS in local bodies.

4. Schemes under KudumbashreeSchemes under Kudumbashree
a)a) Micro finance- it includes the followingMicro finance- it includes the following
Thrift and Credit- total thrift collected by NHG atThrift and Credit- total thrift collected by NHG at
Rs.1041 crore and internal loans generated toRs.1041 crore and internal loans generated to
the tune of Rs. 4591 crore.the tune of Rs. 4591 crore.
Bank Linkage Programme- helped NHG toBank Linkage Programme- helped NHG to
augment their existing resources. Total amountaugment their existing resources. Total amount
mobilized under the scheme is Rs.970 crore andmobilized under the scheme is Rs.970 crore and
7261 NHGs have availed the loan7261 NHGs have availed the loan

5. Contd……..Contd……..
Intrest Subsidy Scheme- one highlight of theIntrest Subsidy Scheme- one highlight of the
scheme is inclusion of Joint Liability Groups forscheme is inclusion of Joint Liability Groups for
farming under this scheme. Around 1737 jointfarming under this scheme. Around 1737 joint
liability groups and 8362 NHGs have benefitedliability groups and 8362 NHGs have benefited
the scheme.the scheme.
Financial Literacy Campaign- training toFinancial Literacy Campaign- training to
resource persons and NHGs, details regardingresource persons and NHGs, details regarding
NHG-Bank account opening are provided.NHG-Bank account opening are provided.

6. b) Micro Enterprises schemeb) Micro Enterprises scheme
Rural micro enterprise scheme- help women toRural micro enterprise scheme- help women to
set up individual and group enterprises.( diaryset up individual and group enterprises.( diary
unit, super markets.)unit, super markets.)
Yuvashree- opportunity to unemployed womenYuvashree- opportunity to unemployed women
in age group 18-35 from kudumbashree families.in age group 18-35 from kudumbashree families.
(KAASS)(KAASS)
Solid waste management- women from poorerSolid waste management- women from poorer
families are engaged in household wastefamilies are engaged in household waste
collectioncollection
IT and ITES- data entry works to these unitsIT and ITES- data entry works to these units

7. c) Samagra Scheme- The main activities ofc) Samagra Scheme- The main activities of
samagra are as followssamagra are as follows
Address the entire supply –production valueAddress the entire supply –production value
chain holistically.chain holistically.
Scale of enterprise activities to bring economiesScale of enterprise activities to bring economies
of scale.of scale.
Ensuring product diversification and qualityEnsuring product diversification and quality
enhancement.enhancement.
Employing the marketing strategies andEmploying the marketing strategies and
techniques.techniques.

8. d) Collective Farming- group farming consisting ofd) Collective Farming- group farming consisting of
4-10 women members. The main features are4-10 women members. The main features are
Organized as joint liability groups to makeOrganized as joint liability groups to make
available institutional credit and monitoringavailable institutional credit and monitoring
Focus on rice and vegetables made collectiveFocus on rice and vegetables made collective
farming intervention with over 2.3 lakh womenfarming intervention with over 2.3 lakh women
taking up agriculture.taking up agriculture.
Kudumbashree mission provides Area incentivesKudumbashree mission provides Area incentives
and Production incentives to farming groups.and Production incentives to farming groups.
Crop insurance and subsidy for seeds areCrop insurance and subsidy for seeds are
provided.provided.

9. ConclusionConclusion
Kudumbashree was able to reach the rockKudumbashree was able to reach the rock
bottom poor through its unique programme andbottom poor through its unique programme and
schemes.schemes.
Developed an innovative methodology to identifyDeveloped an innovative methodology to identify
the poor using non-economic parameters.the poor using non-economic parameters.
The mission achieved in its aim of encouragingThe mission achieved in its aim of encouraging
and supporting participatory citizenship.and supporting participatory citizenship.
Holistic approach to poverty reductionHolistic approach to poverty reduction
There are 2.04 lakh NHGs in which women fromThere are 2.04 lakh NHGs in which women from
37.43 families participate.37.43 families participate.

10. ConclusionConclusion
Kudumbashree was able to reach the rockKudumbashree was able to reach the rock
bottom poor through its unique programme andbottom poor through its unique programme and
schemes.schemes.
Developed an innovative methodology to identifyDeveloped an innovative methodology to identify
the poor using non-economic parameters.the poor using non-economic parameters.
The mission achieved in its aim of encouragingThe mission achieved in its aim of encouraging
and supporting participatory citizenship.and supporting participatory citizenship.
Holistic approach to poverty reductionHolistic approach to poverty reduction
There are 2.04 lakh NHGs in which women fromThere are 2.04 lakh NHGs in which women from
37.43 families participate.37.43 families participate.