PROJECT PROPOSAL

to take-up
DAIRY DEVELOPMENT Through WOMEN SELF FINANCE

ABOUT JAGARAJU PALLI

Jagarajupalli village is located in Puttaparthimandal in Ananathapur district.It is about 13.4 kms from the Mandal Headquarters town Puttparthi. Jagarajupalle is a small village located in Puttaparthi Mandal of Anantapur district, Andhra Pradesh with total 383 families residing. The Jagarajupalle village has population of 2539 of which 1235 are males while 1304 are females as per Population Census 2011. In Jagarajupalle village population of children with age 0-6 is 265 which makes up 10.44 % of total population of village. Average Sex Ratio of Jagarajupalle village is 1056 which is higher than Andhra Pradesh state average of 993. Child Sex Ratio for the Jagarajupalle as per census is 1246, higher than Andhra Pradesh average of 939.

According to the census 2011, the literacy rate of Jagarajupalle village was 58.14% of which Male literacy stands at 68.22 % while the female literacy rate is 48.40 %.

As per constitution of India and PanchyatiRaaj Act, Jagarajupalle village is administrated by Sarpanch (Head of Village) who is elected representative of village.

Population Details

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Total Families: 896. 
Total Population: 3278

Majority of the population are economically poor, dependent on the There are many poor people,illiterate people living in this village,they are employed in surrounding mandals of Kothacheruvu,Puttaparthi and Gorantla.Our village doesn’t have any other sources of income.Our village also has people from Scheduled castes and Backward castes.Agriculture is dependent on mainly rainfall.

SITUATION OF THE DISTRICT

Anantapur district being located in the middle of Peninsular India, makes it the driest part of the state, with an annual average rainfall of 520 mm, which is the lowest in the state and second lowest in the country. 80% of the district population depends on agriculture which is mostly Rain fed and land-based livelihoods. Rainfall is erratic and the trends of desertification are seen in the district. The agricultural labor will not find employment even in the agriculture season, due to failure of crops because of prolonged dry spells. Migrations are common and agricultural labor are forced to vacate the villages in search of livelihood during the periods of frequent droughts. During the migration most of the people will suffer health hazards and lack of education facilities to their children.

Situation during the past 3 years:  In the recent times rainfall has improved drastically and tanks are filled with water,there is plenty of water around.Agriculture has become a costly affair in recent times.While the costs of agricultural inputs are high, the yield is less and the market price for the yield is not encouraging.

Due to steep fall in the priced during the harvest periods, the farmers are forced to go for distress sale. As a result, they are pushed into loss as the returns are not even equal to their investments.  Under these circumstances, several farmer families are forced to leave farming, and search for alternative livelihoods.

One such alternative for these illiterate/ under-literate communities is to move to the urban areas seeking unskilled wage employment.

THE SITUATION OF WOMEN

For decades, the women are suffering from male dominance inspite of the fact that they are rendering their best services in the household works and also in the field of agriculture.  However, the work of women is not treated equal to men, and they are paid less wages when compared to their male counterparts.  Added to this, they have other problems like social insecurity.  If the male members of their families move away from the villages in search of wage employment, they have to suffer not only with the economic problems, but also with other issues like social insecurity, and mental agony of being unprotected or under-protected.

THE PRESENT PROPOSAL

The present proposal focusses on creating an opportunity for sustainable income through Off-Farm Activity, which is well known to the women in this area.  

In the present project, we will identify 25 women members belonging to the economically poor families and form them into a group. Out of this we will identify 10 most vulnerable families / women who need to be supported in the First Phase.  This selection will be done by the members by themselves.  PRDS will Facilitate the meeting for smooth and fair selection. 

Selection of beneficiaries during the First Phase: The group will be having equal number of representation from different socially and economically downward communities/ families.  It will have:
  • Three (3) women members from Scheduled castes;
  • Three (3) women and from backward castes; and
  • Three (3) women and from other groups

One member will be selected from any of these groups basing on the povertied condition, and need of the situation.  This selection will be done by the members only among themselves.

The group formed with these 25 women will be named after FransescoTamma.
The Proposed activity:  Each womanof this group will be given a milch animal (the cow). Due to fairly good rains for the past 3 years, there is adequate fodder, and drinking water available for the animals in this area – around the village.

Each cow is expected to give around 10 to 15 liters of milk per day (morning and evening).  There is a big demand for milk in this area, as there are several hotels and other such business establishments around this village – the big marketing places will be Puttaparthi and Kothacheruvu, which are the mandal headquarters with a lot of households, Tea-stalls and other such shops where milk and milk-products are sold.

The present market price of is around Rs.27/- per liters.  Thus, they will be able to make an income of Rs.270/- to Rs.400/- per day.  Thus, there will be an assure income of Rs.8000/- to Rs.12,000/-. This will, certainly, elevate the financial position of women.The financially independent women are given respect everywhere in the society.This will help women also to be empowered as men and also in supporting their family income.

INSURANCE OF THE MILCH ANIMAL

As a part of meeting any eventuality like health problems to the cow, or death of cow, due insurance will be taken for each of the cows supplied to the members.

We will take advices from village Gopalmitra and mandal level veterinary officer. If the cow is not feeding properly and if the milk yield is less, the cow will be given symptomatic treatment. If unfortunately, cow dies, the damaged amount will be claimed through insurance. The insurance will be paid by Government. Due to insurance of the animal, nobody will make incidental or accidental losses.

REPAYMENT STRETEGYand REVOLVING OF THE FUNDS

  • PRDS proposes to open a Joint Account in the local bank, which will be Jointly operated by one representative from the Francesco Tamma Group, and one nominated representative from PRDS. 
  • Each member, whoever has taken a cow through PRDS (Francesco Tamma) support, has to make a monthly payment of Rs.2000/- (Rupees two thousand only).
  • Thus, all the members have to make a payment for 20 months.
  • Thus, during the first 2 – 3 months, a total of Rs.20,000/- will be deposited every month. 
  • Once in every 2 months or so, or as soon as the amount deposited will reach around Rs.40,000/- and above, the Francesco Tamma Group members will organize a meeting to select another new beneficiary to take the amount on loan basis – This begins the 2nd Phase support.
  • Once the members select the Proposed Beneficiary, two members within the group have to give a surety, on behalf of the member taking loan, stating that the repayments will be done on regular basis, and in case of any discrepancy / non-payment, the two sureties will hold responsible for the same.
  • Thus, on an average, about 6 - 10 women members will be benefited, in every year, through REVOLVING of this amount.
Note:  The loan given to the members will be free of any interest.

Feasibility of the repayment amount:  Yes, it is very much feasible.  Every individual beneficiary will be making a monthly income of about Rs.8000 to Rs.12000 per month.  So, payment of Rs.2000/- is not of a difficult talk, as it comes to around Rs.65 per day.

ABOUT THE IMPLEMENTING ORGANIZATION

PRABHAT RURAL DEVELOPMENT SOCIETY (PRDS) is a registered voluntary organization working with a prime objective of developing the rural poor, agricultural laborers, small and marginal farmers with special focus on the women.

PRDS has identified socio-economic problems among the selected women groups through various mechanisms of PRA(Participatory Rural Appraisal).

PRDS has concern towards women empowerment to combat the vulnerable situation in which certain section people are forced to remain. The only answer the PRDS could find is women empowerment through various strategies, including making them economically self-dependents and can explore income sources from off-farm and non-farm activities.

PROPOSED BUDGET

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