Microfinance in BISWA and Mission Shakti

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Microfinance in BISWA and Mission Shakti

• Bibhu Prasad Mohanty
• Director-Operations, BISWA
• Consultant-Mission Shakti

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BISWA

• Bharat Integrated Social Welfare Agency BISWA, a
  very active NGO with MF practice vigorously
  present in Orissa, Jharkhand, Chhattisgarh,
  Bihar. It has branches in 14 states of India
• It has got MF portfolio of more than Rs.450
  crores
• It is linked with several Govt funded development
  projects across the country mostly on Education,
  Health, HIV/AIDS, Water Sanitation,
  Conservation of Natural resources, Women
  Development, Forestation development, River basin
  management, Pollution control and environment,
  Child right , Organic farming, shelters for
  underserved and victims of social problems etc

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BISWA

• All the projects aim to raise the status of the
  serving community where they can be bale to make
  use of own endowment and have access to adequate
  financial resources where BISWA facilitates
  microfinance services.

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Program areas of BISWA

• Microfinance
• Microenterprise
• Micro-Insurance
• Micro Marketing (Cross Marketing)
• Social Development

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Micro Insurance Life , Health, Assets and
Accident
Business Development Services at SHGs level
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Single Window Services
Microfinance
Micro Enterprise
Self Help Group
Social Development
Micro Insurance
Marketing of SHGs Product
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Growth of BISWA
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Loan Officer status of BISWA
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Empowerment of WSHG FederationMission Shakti
Initiative
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District Level Organizational Arrangement
District level Federation- DLF Block level
Federation- BLF GP Level Federation- GPLF Self
Help Group- SHG
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Pre-conditions to form a Federation

• Strong SHGs in place.
• Should have interest to establish a federation.
• Records / files are kept in place at SHGs.
• SHGs should have developed a system of conducting
  regular review and planning meetings of their
  activities.
• SHGs should run effectively for at least one
  year.
• They should have a feeling of making a larger
  identity to solve several problems they face in
  day to day life

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Steps to form Federation

• Identification of area or block (it should be
  within 5-7 km radius).
• Meeting called under the guidance of CDPO at
  block level
• Discussion on relevance of forming block level
  and panchayat level federations.
• Sharing of SHG experience achievements /
  failures, conflicts, disappointments etc
• Facilitating cross learning or group to group
  learning / support
• Strong and selected representative of SHGs emerge
  from the process and meet few times and share
  their experience and constitute the bye law etc
• Membership rules and regulation for federation
  decided and Federation is formed and registered
  under the guidance of DSWO and CDPO

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Size of Membership and types of Federation

• With a membership of not less than 10 and not
  more than 50 SHGs, and always ensure maximum
  participation of PWDs while keeping the size and
  scale of activities manageable.
• Federations are also formed on basis of activity
  cluster
• Ready to eat food production and supply
• Leaf plate and cup production and supply
• Minor forest producers
• Kendujhari Phula Badi

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Activities that federations undertake

• Regular review of and reflection on SHG
  activities.
• Strengthen SHGs through ideas, suggestions,
  exposure visits, audits, capacity building /
  training, etc.
• Collection and dissemination relevant, useful,
  and interesting information to SHGs
• Take up activities of benefit to member SHGs and
  communities.
• Take up activities that strengthen the
  federations themselves
• Make effort to solve the social maladies and
  patriarchal practices where women are victims

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Key management features of WSHG Federations

• Ensuring continuity of socio economic activities
• Federation Meetings and consolidating efforts of
  SHGs
• Enacting own Rules and regulations for effective
  management of various programmes of own and Govt.
• Responsibility-sharing at different layers
• Taking up activities like MDM, PDS, LPG gas
  distribution, Electricity bills collection,
  Pisciculture at Panchayat Tank, reviving
  community forest management activity,
  conservation of Biodiversity, production and
  distribution of RTE food materials

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Key management features of WSHG Federations

• Maintain books and documents
• Appraisal, monitoring, and evaluation of
  activities
• Grading of SHGs
• Negotiating on behalf of Banks and Govt Depts.
• Fundraising
• Microfinance with SHGs
• Micro-insurance recently started

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Thanks to All