SKDRDP INTERIM REPORT

SOCIAL RELEVANT PROJECT

Community Development

Report Submitted By:

Name: PGDM No:
Vipul Vittal Shenoy 18087
Kishan S B 18102
Aditya M Rao 18091
Thripthi 18187

Submitted to: Mr. C.V. Sridhar

Date of Submission: December 18th , 2018
Contents

1.FIRST VIEW OF THE ORGANISATION AND THE PROJECT ............................................................. 2

2.HISTORY ....................................................................................................................................... 3

3.STAKEHOLDERS ............................................................................................................................ 4

4.OBJECTIVES OF THE ORGANISATION ........................................................................................... 4

4.PUBLISHED DATA ABOUT THE FINANCIAL STATUS ...................................................................... 7

5. ACTIVITIES OF THE ORGANIZATION. ........................................................................................... 9

6. Awards & Recognitions ............................................................................................................. 12

6.ACTIVITIES PLANNED BY THE STUDENTS AND ITS STATUS ........................................................ 13

7.CONCLUSION .............................................................................................................................. 17

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1. FIRST VIEW OF THE ORGANISATION AND THE PROJECT

This Organisation is one of the major programs that is conducted by the Sri Kshetra Dharmasthala.

They have been convicted to different other programs for the benefit of the society like educational

trusts, educational societies, medical societies, SKDRDP and many more. This project is mainly

considered on the programs and processes that is carried out in the SKDRDP Department. This is

a charitable trust established in 1982, aimed at undertaking rural development activities in various

parts of Karnataka. The organisation is promoted by Dr. D Veerendra Heggade (trustee of Shri

Kshetra Dharmasthala – a renowned temple in the region). The trust had 122 branches with a

portfolio size of Rs.2567 crore as on September 30, 2013. This program is also better known for

the various activities like SKDRDP as a BC and BF of the banks, Promotion of Self-help groups,

financial performances of SHGs, agricultural development, self-employment, renewable energy

program, sanitation and hygiene, in association with proper waste management in Chikmagalur,

Sanitation units, housing, charitable activities, sampoorna suraksha health insurance program,

shuddha ganga project, Shri Dharmasthala Siri gramodyoga samsthe, Insurance programs,

National pension scheme, Jana jagruthi program, Nirantara pragati monthly magazine,

Jnanavikasa women empowerment program, GELATHI: a family counselling centre, SIRI

program, SSI program and many more. Helping the Self-Help groups by providing the

microfinance services to them for the livelihood and better productivity of the famers and poor

people is the main objective of the SKDRDP.

This project has the major purpose of learning the organisational structure in the SKDRDP and the

processes they carry down to make them as better than anybody else in the microfinance services.

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2. HISTORY

Shri Kshetra Dharmasthala Rural Development Project is committed for the upliftment of poor,

marginalised, under privileged, impoverished and downtrodden and they are close and accessible

to their target groups. In 1982 SKDRDP Programme is started by Dr. D. Veerendra Heggade, the

present chairman of the programme. SKDRDP are flexible in their operation, independent in its

functioning, quick in decision making, people concerned, driven by social values and humanitarian

principles. NGOs have their origin in non-profit value based voluntary organisations and have

been working throughout the world for centuries, particularly in the developed countries of the

North (Khandakar and Danopoulos 2004). The voluntary sector has contributed significantly in

reducing poverty, deprivation, discrimination and exclusion through awareness, social

mobilisation, service delivery and training. They are the effective non- political link between

Governments and people. SKDRDP are playing a vital role in the formation of Self-Help Groups

and motivating women to join in Self-Help Groups.

The Shri Kshetra Dharmasthala Rural Development Project encompasses all aspects of enriching

the rural life. It is currently engaged in developmental activities in 26 districts in Karnataka and

Kasaragod district in Kerala operating in 20,842 rural villages and 320 urban and semi-urban cities.

Around 4,05,000 self-help groups having 38,30,000 members. Around 36,83,000 families are the

stakeholders of the project. SKDRDP is active with its community Development Programs

throughout the state of Karnataka and holds its presence in six coastal towns under the Karnataka

Urban Development and Coastal Environment Management Project. In December 2015 SKDRDP

has extended its area of operation to Gulbarga, Beedar, Bijapura and Yadagiri Districts of

Karnataka.

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3. STAKEHOLDERS

The stakeholders of SKDRDP in genral terms are mentioned below

Banks

Employees of SKDRDP

RBI

NABARD

State government

Customers/Farmers

Tie-up organisations

-Selco Solar

-Vijaya Industries

4. OBJECTIVES OF THE ORGANISATION

The objectives of SKDRDP is included in its mission statement as given below:

1. To adopt small, marginal and micro land holders as stakeholders and organize them in the

informal sector to promote sustainable farming practices. In the process SKDRDP is committed to

economically empower the stakeholders to become self-reliant.

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2. To create a conducive environment in the village to enable different sections of the community

to live in harmony. To create infrastructure through people participation to improve the living

habitat.

3. To motivate the individual family to plan for self-development and assist them in realizing their

plans. To dare the poor to envision a dream and to work together with them to make it possible.

4. To work with the unreached, the poor, the backward, the minorities, the weaker section, and

above all the women, to empower them socially and economically.

5. To promote entrepreneurial skills among the poor and escort them to implement the skills.

6. To achieve progress in an environment of tolerance. To spread the message in the community

that to prosper does not mean earning more rupees but to use them more judiciously. To spread

the message in the community that morality is not a liability, but a virtue.

7. To work in tandem with all such organizations who dream of a vibrant rural India, wherein the

rich and the poor have their needs met, where the natural resources are put to optimum use without

affecting the living environment, where everybody has an equal opportunity to sustain one’s

dream.

The SKDRDP are expected to support the SHGs in the following aspects:

•To motivate the rural people to organize themselves and to form into SHG;

•To educate, train the group members in managing the group activities like maintenance of books

of Accounts, conducting meetings, management of funds, etc;

• To inculcate, promote thrift and savings habit among the group members and to help in institution

• To building along with the development of individual;

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•To help the SHG in identifying raw materials and local resources;

•To help the group members to upgrade their skills and technology to make best use of resources;

•To make available credit facilities and to act as a link between the rural poor and the bank;

•To educate and train the group members to utilize credit properly and to improve their economic

Conditions

•To help the group members in exploring markets for their products;

•To work as facilitator in the meetings of the SHG; and

•To act as friend, philosopher and guide to the SHGs.

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4. PUBLISHED DATA ABOUT THE FINANCIAL STATUS

SUMMARY OF PROJECTS – PERFORMANCE TILL 31-10-2018

Self Help Group Programme

1. No. of active Self-Help Groups 4,48,551

2. No. of active SHG members 39,80,798

3. Savings of Rs. 10/- per week (Since 1991) Rs. 1,311 Crores

Loans

1. Amount of loan disbursed (Since 1995) Rs. 29,929 crores

2. Loan outstanding at present Rs. 8,546 crores

3. Overdue loan amount Rs. 3.72 crores

Investment by the SHG members for Farm Development Programmes from

borrowings

1. No. of days of labour sharing by SHG members 8.05 crores man-days

2. Labour sharing value (Rs. 150/- per day) Rs. 1,208 crores

3. Area of land brought under cultivation 8,43,000 acres

4. Construction of wells by borrowing loans 78,151

Pumpset and irrigation systems purchased by the

5. 3,54,806
SHG members

Investment by the SHG members in infrastructure development (Since 1995)

Construction of new houses, house repair and

1. 12,60,924
electrification

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2. Toilets constructed 4,71,000

3. Subsidy from the project for toilet construction Rs. 14 crores

4. Installation of solar lighting equipment’s 82,274

5. Installation of gobar gas system 26,549

Dedication programme

1. No. of deaddiction camps conducted 1,282

2. No. of people deaddicted 88,600

Sampoorna Suraksha programme (Health insurance scheme)

1. No. of beneficiaries enrolled 9,26,581

2. Total premium paid to insurance company Rs. 46.00 crore

Shri Dharmasthala Siri Gramodyog Samsthe

1. No. of rural women engaged in production 4,500

2. Total turnover for the year 2018-19 Rs. 10.36 crores

Community Development Project

Sujnananidhi monthly scholarship to students

1. Rs. 36.80 Crores
(Since 2008)

2. Furniture to schools Rs. 16.69 crores

3. Village tank rejuvenation Rs. 23.63 crores

4. Support to milk cooperative societies Rs. 14.54 crores

5. Destitute pension (No. of beneficiaries) 7,889

6. Destitute pension - during the month Rs. 2.92 crores

7. Newly joined destitutes during the month 254

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5. ACTIVITIES OF THE ORGANIZATION

AGRICULTURE PROGRAMS

 Pragathi Bandhu Groups: Developed by SKDRDP, "Pragathi Bandhu’s" are unique

models of male-member Self-help Groups cultivate in waste lands through labour sharing.

Such groups organize and empower small and marginal farmers and labourers through the

transference of governance to the village level.

 Krishi Mela: Kissan Mela is a major annual event and is a platform for farmers, specialists

and agriculture scientists from different parts of the state to share and exchange ideas. It is

a forum to acquire skills, technology and updates on the latest developments in the field of

agriculture.

 Yantradhara :SKDRDP and Agriculture Department, Govt. of Karnataka came together

to establish Yantradhara - Custom Hire Service Centers at Hobli level, with an objective to

assist Small and Marginal Farmers and to provide agri machineries at their door step.

 Animal Husbandry: Animal Husbandry is an agricultural practice of breeding and raising

livestock. Many farmers are of the opinion that animal husbandry is not necessarily

profitable as farmers look for direct benefits such as milk and ignore indirect benefits like

manure and gobar gas.

COMMUNITY DEVELOPMENT PROGRAMS

 Grama Kalyana: For ages, Dharmasthala has been supporting community initiatives

through matching grant support. A focused program, The Community Development

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 Project, was taken up in 1990 to create and develop rural assets. A wing of SKDRDP, it

was launched to assist community efforts for the building of infrastructure.

 Hindu Rudrabhoomi:This project is started on Golden jubilee of Independent India that

is 15.08.1998. The Hindu Rudrabhoomi Project (Crematorium) is one such initiative. This

unique program serves to complete the last journey of all human beings in a dignified

manner

 Sanitation: SKDRDP is committed to total health and sanitations in rural areas. For this

purpose SKDRDP has actively supported construction of individual toilets in villages and

towns. For this purpose SKDRDP has popularized several models including the UNICEF

model, the twin pit pour flush model.

 Solid waste Management:Responding to the request of the Chikamagalur town

municipality, the local project office of SKDRDP has taken up the responsibility of

collecting waste materials from all houses in the town and depositing them at the secondary

disposal point.

 Shudhaganga: Shudhaganga project - Many villages in our country do not have access to

pure drinking water. Surface water is often contaminated. Ground water has high fluoride

and dissolved solvent making it unsuitable for drinking purpose. Yet people use this water

to suffer from various ailments. It is estimated that nearly 90% of the villages suffer from

drinking water problems, ranging from supply chains to quality issues.

WOMEN EMPOWERMENT

 Jnanavikasa: Beedi (hand-rolled cigarettes) rolling and farm labour are two of the major

revenue sources for women in the coastal district, who can earn up to Rs. 800/- per month

from these activities. However, women do not retain much in savings and continue to

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 remain socially backward. SKDRDP recognized the need to empower women into

developing a habit of thrift and hence began organizing the Jnanavikasa Program.

 Gelathi: Counselling is an effective means to help people out of distress and difficulties,

to bring them back on track. SKDRDP has established a counselling centre at Belthangady

to help the women who need support. The centre called Gelathi' offers the services of a

sociologist, an advocate, a psychologist and a doctor, who provide counselling services to

the women on demand. Initially the women in villages seek counselling from the village

level worker, who acts as a point of reference. The services are given free of cost. If

required the counselled is referred to hospitals for treatment. Legal aid is also given in

times of need.

EDUCATION PROMOTION PROGRAMS

 Jnanadeepa: SKDRDP makes an effort to put a check on school dropout rates through the

implementation of the Jnanadeepa project. This project meets the infrastructure needs of

the schools by providing basic amenities like drinking water, construction of toilets and

classrooms. SKDRDP provides financial assistance for the purchase of teaching

equipments, sports materials, tables and chairs. Electrification of schools, construction of

playgrounds, compound wall construction, repair and renovation of buildings are also

supported.

 Sujnana Nidhi: SKDRDP has initiated a scholarship scheme named Sujnananidhi to create

awareness among the SHG members about the possibilities in technical education and to

motivate and assist them to send their children for technical training.

 Navachetana: It is observed that millions of children in the country are suffering from

disabilities and have different abilities. In order to encourage their abilities to enable them

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 to lead a normal life, several schools for differently abled have been started which may be

handicapped by lack of capital. To enable such unique institutions to access to financial

resources it is proposed to establish a funding program to such schools annually subject to

conditions.

REHABILITATION

 Janajagruthi: SKDRDP in its experience has found that addiction to liquor is a major

bane for poor people. To wean away the working class from liquor SKDRDP in support

from the public has promoted Janajagruthi a movement against alcoholism. Under this

programme awareness is created through village meets, house to house canvas, jathas and

community deaddiction camps against alcoholism. In the deaddiction camps addicts are

treated and counseled. This is one of the more successful social initiatives of SKDRDP.

6. Awards & Recognitions

 EXCELLENCE In clean Energy Finance of Microenergy credits

 Jury’s Special Award for contribution to Advancing Financial Inclusion in India to DR. D.

Veerendra Heggade

 SKOCH Foundation’s National SKOCH Golden Award for Financial inclusion

 Ashden Gold Award of Ashden Foundation, London for Alternate Energy program

 ACCESS HSBC Gold Award for Excellence in Banking, Financial Services and Insurance

 Pingara Rayothsava Award of Mangalore

 Certificate of Merit from LIC for Jeevan Madhura Programme

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  Changemaker Award of America Foundation for Pragathi Bhandhu and Sampoorna

Suraksha programme

 Chowdhari Charan Singh Award- for promotion of hoticulture

 NABARD State Award – for SHG promotion

 Spandana Award for Janajagruti programme

 IMC Award for Indian Economic Council

 FICCI Award of Indian Economic And Industrial Council

6. ACTIVITIES PLANNED BY THE STUDENTS AND ITS STATUS

Field Visited:

COOK STOVE

Cook stoves are basically one of the best ways of cooking in rural areas as it requires very less

wood sticks and there is no smoke produced. Thus, it helps in many ways like – saves cutting down

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of trees, doesn’t waste non- renewable energy like gas, kerosene which is generally used in the

rural areas and there is no smoke emitted from this machine thus doesn’t incite global warming.

This can be a very good product for the future sustainable development as the resource i.e. the

wood sticks used can be replaced by some other material in future, thus saving the nature in all

ways. Currently there is good demand for the cook stove in Dakshin Kannada district and around

500 pieces approx. have been ordered by the SKDRDP. This is a very good initiative of SKDRDP

towards sustainable development.

SOLAR-EQUIPMENTS

SKDRDP encourages the use of solar equipment say it maybe solar water heaters, solar lights,

xerox machines, tailoring machines.

They have a tie up with solar companies like VIJAYA and SELCO.

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They provide the equipment’s as per the requirements under a discounted rate if the person is a

member of SKDRDP.

The whole amount is sanctioned by SKDRDP and the members can pay it in weekly instalment.

The other noticeable benefit if the member gets the solar equipment through SKDRDP is that the

electricity bill amount will be reduced by Rs. 50 on an average.

BIO GAS

One more project of SKDRDP is use of BIO gas. This is utilized not only in rural areas but also

some of the urban areas. A pit is built from where the cow dung must pass and the gas is generated

after which it is being transferred to the kitchen by a pipe line.

The general criteria to have this system is that the house must have 2-3 cows.

The house owner then uses the waste of this as a manure which is dumped to their estate. SKDRDP

does all the installment facility and funds it. It just requires little maintenance. This is again a good

step of SKDRDP towards sustainable development.

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SELF EMPLOYMENT

SKDRDP provides loans and the required skill impartment to the members of the group who is

interested to showcase their entrepreneurship skills. We visited a few entrepreneurs who have

started their own businesses after availing the loans from SKDRDP

Our team visited Mrs. Sharmila who is the proud owner of her own tailoring shop whose dreams

came true because of the monetary as well as moral support provided by SKDRDP.

She put a tailoring shop in Kadri, 15 years ago. There was another shop right next to hers which

was also funded by SKDRDP which has main products of grains.

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7. CONCLUSION

SKDRDP play a vital role in helping rural women to form Self-Help Groups and they motivated

women to join Self-Help Groups. Nearly 52% of the respondents informed that Non-governmental

Organizations helped them to form Self-Help Groups. Government departments and neighboring

Self-Help Groups play very negligible role in the formation of Self-Help Groups. It is concluded

that NGOs and self-motivation of women are the main motivational factors to join SHGs and Self-

Help Group members also influence other women to join the groups. Respondents are aware about

the role of SKDRDP where SKDRDP are active in their quality of work rather than the no of

players and is reflected in the study. It is concluded that SKDRDP play an important role in SHG

formation, linking the groups with the banks, arranging for loans and imparting training to start

income generating activities

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