1

Content
About Us……………………………………………………………………………………. 3

What & How We Do ?……………………………………………………………………

SHG & Federation Promotion .......................................................5

Integrated Program for SHG federation Promotion……………….16
SHG federation promotion Activities in association with Suzlon
Foundation
Jankar (Community Resource Person)…………………………….…….24
Upjeevika (Livelihood)…………………………………………………………32
Arogya (Health)…………………………………………………………………….41
Financial Literacy………………………………………………………………….51
E-learning……………………………………………………………………………..53

Representative Case Studies

Community Development through SHG………………………………….54
Women Empowerment through SHG………………………………………56

Awards………………………………………………………………………………………..58

Contribution of Chaitanya family in recovering tragic “Malin landslide”

calamity………………………………………………………………………………..……59

Participation………………………………………………………………………………63
Our team…………………………………………………………………………………..…64

2
 About us
“Chaitanya”, a developmental organization established in 1993, Registered under the
Bombay Public Trust Act 1950 and the Societies’ Registration Act 1860, has played a
catalytic role in spreading the Self-Help-Group (SHG) movement in and around
Maharashtra. Chaitanya is one of the pioneers of the SHG movement in the state, with
considerable field experience in the promotion of local community based institutions of
women, especially Self-help groups, Clusters and Federations. Interacting through this
mobilization of women, Chaitanya recognized the need for the local community to address
specific women centric issues and overall socio-economic development of the region

Vision: A gender just, equitable and self-reliant society where women have access to and
control over financial and other resources.

Mission: Building capacities of rural poor especially women and youth by promoting and
strengthening self-reliant and sustainable institutions to enable them to led the process of
development for a better quality of life.

3
Objectives
1. Build local capacities of rural poor, especially women to form self-reliant people’s
institutions.
2. Evolve consensus in the formulation of gender equitable village level development
plan in the areas of health, water & sanitation and organic farming.
3. Evolve strong, sustainable partnership of these institutions with local government
machinery, as well as other local organizations.
4. Build knowledge and resource base, related to self help groups, and other
sustainable people’s institutions for rural development and women’s
empowerment.
5. Create platforms for integrated learning space for various partners involved in
rural development through networking and convergence.
Registration:
Chaitanya is a not for profit trust registered under the Bombay Public Trust Act 1950.
The receipts of Chaitanya comprise of grants from funding agencies as well as earned
income from the training services offered to NGOs, government officials and others.
Individual contributions to Chaitanya are exempt from Income Tax under Section 80G;
No.Pn. T/CIT-V/80G/49/58/2002-2003/33109.
The Organization is registered under Foreign Contribution (Regulation) Act, 1976, a
Registration No.083930288. Date of registration is June 18, 1998 at New Delhi.
Board of Trustees:
 Dr. Sudha Kothari
 Surekha Shrotriya
 Dr. S. V. Gore
 Dr. Ram Katariya
 Vijaykumar Bhansali
 Harish Vora
 Dr. S. Vijayanand
 Girija Srinivasan
 Jahanvi Andharia
 Kalpana Pant
 Ramesh Deshpande, Honorary Advisor

Address:
Chaitanya,
Moti Chowk, Rajgurunagar, Pune 410505, Phone -02135-22317
4
 1. SHG and Federation promotion
Chaitanya is one of the pioneers of community based microfinance in Maharashtra and
works on the model “SHGs->Clusters>Federations”.

SHG

Federation Cluster

“Self Help Group (SHG)” is a group of rural women (10- 20) formed to address their basic
financial and other needs. Village level SHG meet once in a month and the preliminary aim
is to mobilize women to make a habit of savings and credit it in necessity. SHG can also be
viewed as the basic unit of the socio- economic development of rural women and region.

“Clusters” are formed by 15-20 SHG from 2-3 nearby villages (or if village is large size,
from the one village). Cluster is an intermediate platform between SHG and federation.
Cluster reviews the performance of the SHG in its monthly meeting which is being
conducted after the SHG’s village level meeting. Cluster is focused platform for and
addresses issues/activities at village level. Also transactions of groups with federation are
recommended by cluster.
Clusters and SHGs (200- 400 SHGs/ approximately 5000-7000 women) are converged and
amalgamated to form “Federation.” The preliminary aim of federation is to provide financial
services at larger scale. generate external resources and develop a forum owned and
managed by women for exchange of ideas, information and experience within large groups
of women. The federation hopes to become a powerhouse of MICRO FINANCE.
5
 Objectives
SHG
To organize women into strong and sustainable self
help groups, clusters and federations as a forum for
sharing, learning, planning and monitoring
To provide financial services such as savings, credit
and insurance to the members

To promote federation linkage with institutions like

the Small Industry Development Bank of India and
Friends for Women World Banking to meet the
financial needs of the members

To provide technical services to the federations

Like audit, MIS, financial management, facilitating
C Ratings and linkages with banks
L
U Activities
S Map scope of SHG federation promotion unit.
T
E Coordinate and plan meetings between various
R federations and partner NGOs.

Monitors and guides federation’s promotional

activities.

Mobilizes fund and grants for federation promotion.

Facilitates new group, cluster and federation

formation.
FEDERATION
Coordinate with the Government organizations for the
benefit of federations.

loans and collect repayments

Develops system for financial coordination and

default management

Develop and execute capacity building plan for

federation’s staff and office bearers.

Ensures the credit linkage between financial

institutions and federations.

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Highlights 2014-15:
Projects of Federation Promotion:
 “Tejswini” – (Supported by IFAD through MAVIM-Women’s Development
Corporation)

The overall goal of the Tejswini Rural Women’s Empowerment Program is to enable poor
women to avail themselves of choices, spaces and opportunities in the economic, social
and political spheres for their improved well-being

This will be achieved through:

(a) Creating strong and sustainable self-help groups (SHGs) and SHG apex organizations;
(b) Providing access to microfinance services;
(c) Promoting new and improved livelihood opportunities; and
(d) Creating access to functional literacy and labor-saving infrastructure, and
strengthening participation in local governance.

Chaitanya is supported through this project for formation of 25 Community managed

resource centers (SHG-Federations) in 12 districts of Maharashtra.

 “Swawalamban “- (Support by SDTT)

Overall objectives of the project is to
 Organize women farmers into strong and sustainable SHG federation for better
financial and livelihood services.
 Pilot a model of development where a cadre of cash-flow and government Jankars
provide household level financial and agricultural counseling.
Chaitanya is supported through this project for formation of 9 SHG federations in 6
districts from Vidarbha region of Maharashtra.
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 “Promotion and Linkages of WSHGs “- (Supported by NABARD)
The objective of the scheme is to saturate the districts with viable and self-sustainable
WSHGs by involving anchor NGOs / support agencies who shall promote and facilitate
credit linkage of these groups with banks, provide continuous handholding support,
enable their journey for livelihoods and also take responsibility for loan repayments.

Chaitanya is Working in 3 blocks of Nandurbar district under the project of Promotion

and linkages of WSHGs.
Chaitanya formed three federations with the groups formed under this program.

 “Vasundhara “- (Supported by Watershed Development Agency)

Overall goal of the project is to promote self-reliant SHG federation in Nandurbar, to

provide micro enterprise and livelihood support to the farmers to increase income and
diversify their livelihood options.

Project objectives:
 Organize women farmers into strong and sustainable SHG federations for better
financial and livelihood services.
 Develop a cadre of livelihood Jankars to promote improved agricultural practices
and facilitate transfer of technology to the poor
 Promote various livelihood options for the asset less with focus on agro processing,
micro –enterprises and dairy, based on detailed value chain analysis of select
produce with high market potential.
 Promote a cadre of entrepreneurs engaged in select non –farm based enterprises
based on demand analysis of the region.
Chaitanya promoted one federation in Shahada block of Nandurbar district under
Vasundhara project.

8
Activities in 2014-15:
 Federation promotion by Chaitanya:
Chaitanya promoted 49 federations (Chaitanya’s 44 + 5 with Partner NGOs) as on
March 15 in 18 districts of Maharashtra. 15 federations are 100% sustainable and
able to meet all the costs. Other federations are having project support and are
less than three years old.

 Company Formation:
Chaitanya promoted SAANGINI- Women’s support organization, “section 25
companies” for providing technical support to federations.

 Formation of “SAARTHI Grameen Mahila Swayamsiddha Mahasangh:

“SAARTHI Grameen Mahila Swayamsiddha Mahasangh“is an apex body of all 44
federations promoted by Chaitanya. One member representing each federation
and advisors from Chaitanya are appointed on SAARTHI to facilitate the
operations.

The main role of SAARTHI is to make standardization of processes and rules

within each federation with common consensus amongst the federation
representatives.

 Business Correspondent(BC) with Banks for SHG Bank Linkage:

Currently Chaitanya is working as BC with Yes Bank and ICICI Bank. On this basis,
IDBI Bank has recognized “Grameen Mahila Swayamsiddha Sangha” (i.e.
federation of Khed Block) as BC. This is supposed to be one of the major
achievements in microfinance and our other federations are striving to achieve
the same status.

SHGs formed in 1993 are linked with the Banks having outstanding of about 13
Crs.
Rabo Bank gave term loan of Rs. 2 Cr. To “Grameen Mahila Swayamsiddha
Sangha”(first federation) for supporting other federations.
Bank of Maharashtra gave cash credit of Rs. 2.25 Cr. of which 1.25 Cr. is to be used
for supporting other federation.
9
Bank Name Loan Amount Loan O/S

Bank Of Maharashtra-CC 22500000 21219655

Bank Of Maharashtra-term Loan 10000000 2657936

Rabo Bank 20000000 11428571

Basix- Lamp Fund 7500000 2948873

Total 60000000 38255034

Bank Loan to federation

2.5
2.25
2.12
2
2
Amount in Crs

1.5 Loan Amount

1.14
1 Loan O/S
1
0.75

0.5 0.29
0.27

0
BOM-CC BOM-TL Rabo Bank Basix- Lamp
Fund
Bank

10
 Software Development:
Discussions were held with software companies for insuring real time data entry
and decided to develop software from “SAMHITA” Bhopal based software
Company. Currently, software is in the pilot phase.

 Monitoring and Management:

 ‘Member satisfaction surveys’ have been introduced from this year

onwards, to understand the perception of the members regarding the
federations.

 Senior Federation leaders are being trained to call up all SHG leaders to
obtain information about the collections made by each federation and also
inform them about the installments for next year. This is an excellent
tracking mechanism for federations.

 A team of three federation leaders from each federation is being trained in

conducting process audit of SHG, Cluster and federation. The process audit
checklist has been designed with the technical support of “Micro Save”.

 The monitoring tool developed by “Micro Save” has been piloted in

federations. This is helpful to review the performance based on SHG-
Cluster-Federation levels.
 Forty four federations are divided in seven regions namely- Pune, West
Maharashtra, Dhule-Jalgaon, Nandurbar, Vidarbha, Nagar-Nasik and
Konkan. Area managers and Regional managers are appointed for
monitoring and Capacity building. Also Team of regional account has been
developed to strengthen the financial management.

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SHG Federation Operational Area

12
Assignment outputs by students from SPJIMR at Chaitanya (2015)

The following were the projects assigned to and completed by eight interns from SP
Jain Institute of Management and Research as part of their coursework in
Development of Corporate Citizenship.

A. Rural livelihood opportunities – Akansha Agarwal and Anamika Kumari

- Business Plan for Direct Marketing of Vegetables from the farmers of Junnar
and Ambegaon regions to the end-consumers in Pune
- Feasibility Study of Junnar and Ambegaon regions as an Agro-Tourism
Centre

B. Measurement of women’s empowerment through Self Help Group

participation – Saikat Ghose and Survi Bajaj
- Case studies of women’s empowerment after joining and SHG and the
development of a tool to measure empowerment of women through various
indices

C. Development of content for the e-learning course ‘Building SHG Federations

for the poor’ – Aseem Rohatgi, Sarthak Rai, Suraj Nanda and Nikhilesh
Maindargi
- Development of content on Human Resource Management and Community
based Governance to be used in the e-learning course ‘Building SHG
Federations for the poor’

- Capturing of 12 stories of empowered women from SHGs for the e-learning

course and making introductory videos for course modules

- Development of content on SHG Audit, Bookkeeping and Gradation through

Video Scribe software

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Financial Outreach as on March 15
 Savings with Federation: 83088140
 One time/ Membership Shares: 8181650
 Regular Saving: 37646508
 Security Deposits: 37259982
 Loan Outstanding : 273696371

Chaitanya Partner NGO Total

Federation 44 5 49
District 16 2 18
Villages 1331 100 1431
Self Help group 8212 695 8907
Women 104098 8772 112870

Source Of Fund Loan Outstanding Percentage

Own Fund (Savings+ Surplus) 109116967 40%

Loan From Banks to 38255034 14%
Federation
ICICI Bank-BC 86574076 32%
Yes bank-BC 34228294 13%
IDBI Bank-BC 5522000 2%
Total 273696371 100%

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We are grateful to our partners!!!

15
 2. Integrated Program for SHG federation
Promotion:
A. Strengthening SHG through Business Correspondent Model in
Madhya Pradesh
Proposed Districts
Chaitanya would like to focus on districts in Madhya Pradesh that are bordering
Maharashtra. It could also include districts where SHG based intervention has already
been planned and some partners have already been identified.

While there are three districts – Barwani, Tikamgarh and Chhatarpur where
Chaitanya is already working and eight partners have been identified for the current
programme on legal Jankars, there is flexibility in terms of partners, as well as one or
two districts being added to the list.

Current situation

The Baharat Micro Finance Report 2013 shows stagnation and in some cases, even a
decline both in savings as well as loans given to the self- help groups by the banks,
across the country. While the total loan amount may be increasing the number of
SHGs getting fresh loan has been declining.
The “...trend raises concerns about the sustainability of SHG movement, as paucity of
funds for supporting the lives and livelihoods of poor SHG members is quite evident”
(p.88). Besides the central region has reported a loan outstanding of INR 76000 per
SHG – which is not significant for the poor to come out of poverty.
The SHG- Bank linkage programmes has been performing poorly is quite evident in
Central India, and more so in Madhya Pradesh, which is also affected by high rates of
default.

The central regional has reported the highest NPAs of 17%, and Madhya Pradesh has
the second highest NPA in SHG bank linakge programme of 21% second only to

16
Manipur with 36%. The NPAs come down by half in the central region if the SGSY
promoted groups are excluded.
The report states that “this fact strengthens the claim of the NGOs of their
complementary role in bank SHG portfolio management. It further highlights their
critical role in building capacity and good practices among SHGs.” (p. 92). The report
states that the norm for LWE districts of Rs. 10000 as promotional cost and 5% of net
loan outstanding will pave the way for best practices on the ground.
The SHPI survey done by Sa-dhan highlights that more than 57% are still having
problems in opening banks accounts and 71% are having problems in credit linkages
– and therefore also obtaining cost of promotion of the groups and their regular
nurturing since costs are associated with loans. This is the situation of where the
median range of SHGs promoted by SHPIs is 1612.

Overall objective of project:

There is a need to enhance the quality of SHGs, instil savings and credit discipline and
build good repayment history of self help groups. There is also a need to ensure
continuity of the SHPI’s involvement in SHG bank linkage programme, by having a
sustainable model of SHG –Bank linkage.

 Enhance quality of SHGs with primary focus on institution building and

instilling financial discipline.
The SHGs still continue to be plagued by issues of irregular meetings, poor record
keeping, and group leaders often utilising the funds without the knowledge of the
members. While this has resulted in the conclusion that SHG is not an efficient credit
delivery mechanism, there still remains a question as to how much and what quality
of inputs actually go in institution building.
Building financial discipline which overrides the current power position of the
members in the village is another challenge, and therefore the group formation
requires greater understanding of the processes that would benefit all the members.
Training programmes can impart information, but it is also important to build a
culture of self –help, equality, transparency and participatory processes within the
organization.

17
  Facilitate financial inclusion of the members through business
correspondent model

While SHG –Bank linkage programme has its own limitations, the BC model has
provided a source of finance that is much more sustainable. There are two types of BC
models:

1. Risk sharing model – the Banks ask the BC to put in 5% of the total loan
outstanding as fixed deposit with the bank. The commission share is also high
in this model
2. Facilitation Model – In this model the bank does not ask for risk sharing, but
gives a commission based on the premise that the groups promoted have a
good financial discipline.

In MP both these models would be tried out since different situations require
different models.

 Organizational Development inputs to Self Help Promoting Institutions

According to the draft National Policy on the Voluntary Sector circulated by the
Voluntary Action Cell of the Planning Commission, Government of India in 2007, the
sector “…has contributed significantly to finding innovative solutions to poverty,
deprivation, discrimination and exclusion, through means such as awareness raising,
social mobilization, service delivery, training, research, and advocacy”.
While the role of the NGOs in the development sector is undisputed, their credibility
and accountability has come in question in recent years. Players in this sector have
devoted their energies to raising awareness and building capacities of vulnerable
social groups, often neglecting the task of building capacities, systems and rigour
within their own organizations. A sustainable programme can only be implemented
by sustainable organizations.
There has been much public debate on the voluntary sector, particularly its
governance, accountability, and transparency. It is widely believed that the voluntary
sector must address these issues through suitable self-regulation, as is the practice in
many other fields.1

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Amidst a crisis of credibility and accountability, the sector has invited criticism for
multitude of reasons including:
 mission drift,
 lack of shared understanding,
 focus on mere fulfilment of projects,
 absence of strategic direction,
 absence of functional delegation of authority as well as responsibility,
 inadequate flow of information, and
 Poor monitoring.

Despite serious limitation - today for politicians, bureaucrats, corporate house and
sometimes for some funding agencies as well, NGOs in the development sector are
perceived as “a magic bullet which can be fired off in any direction and though often
without much evidence, will still find the target”. Despite an overwhelming focus on
NGO sector, there has been little or no attention to investment in building capacities
of the persons promoting or managing these institutions.
Unlike the corporate and the government sector where trained personnel are
handpicked through a rigorous selection process, there is a dearth of adequately
trained manpower in the NGO sector due to the limited availability of reasonably
priced, high quality, intense training courses. There is also a lack of well-documented
best practices and case studies based on Indian experiences that can be used by the
voluntary sector as reference and training material. Government policies have also
recognized the need to invest in institution building.

Three components were identified as critical for developing institutional capacities,

thereby enhancing the credibility of organizations:

Direction: ‘What is it that drives growth in the organization?’ The answer to this
question lies in vision, mission, values and culture of the organization as these are the
key drivers that keep the organization’s engines running.

Performance and Accountability: Organizational performance is gauged by its

ability to demonstrate that ‘we are doing what we had said we would do’. Good

19
motivation-Strategic direction ought to be supported by good performance with a
focus on results.
Organizations need to have necessary systems in place where systems are defined by
the way an organization transforms its resources into results through work
processes2.

Sustainability: Consistently good performance over a period of time is necessary to

establish the credibility of the organization. Since the development programmes are
largely donor- driven, the absence of financial independence does have a bearing on
the consistency of performance.
Organizations in the non-profit sector need to focus on financial sustainability to
ensure consistent performance standards in the SHG programmes.
The three components—direction and motivation, performance, and sustainability—
are closely interlinked and cannot be considered in isolation from each other in any
meaningful way. If an organization were to run only on motivation and ensuring
performance without paying attention to financial sustainability, it is likely to
experience a complete breakdown of systems in the short run and mission drift in the
long run. Similarly, ensuring organizational performance and sustainability

20
B. SHG federation promotion Activities in association with Suzlon
Foundation

Various activities were conducted in partnership with Suzlon Foundation:

IABLP:
The objective of the activity is to aware
the farmers on organic farming
techniques and increasing land
productivity, linking them with govt.
sustainable schemes based on livelihood
and agriculture. Under the scheme, large
number of farmers was benefitted with
the suggestions given by Agriculture
officer and took special interest in the
accessing govt. schemes promoting
organic farming and sustainable
livelihood.
Animal Camp:
Animals like cow, buffaloes, goat etc. in
villages were vaccinated and people
were made aware on animal welfare
methods, timely vaccinations, how to
keep their cattles healthy and increase
their productivity.
Kitchen Garden:

The objective of this activity is to make

women aware of various ways to fulfill
nutrition needs and improve the
hemoglobin in their body. Women understood the need of nutrition and took interest in
establishing Kitchen garden by taking types of quality seeds.

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Health Camp:

In partnership with PMDA Eye Hospital,

Nandurbar Chaitanya organized a
combined eye check-up camp at its Suzlon
project site villages.The camp benefitted
more than 180 villagers, maximum of
which were old age. A special team of
PMDA visited and were supervised by Eye
Specialists. The expert team provided free
eye-examinations, counseling on eye care,
and distributed free eye drops and
medicines to many visitors at the camp.

Collaborators: Collaborators:
Zila parishad, Animal Husbandry Department, Gram Panchayat and Agriculture
Department of dist and Taluka. Panchayat and Doctors PMDA Eye Hospital Zila parishad,
Animal Husbandry Department, Gram Panchayat and Agriculture Department of dist and
Taluka.

22
Planned vs. Achieved – Partner Coordinated Projects

Partner Site No. of No. of No. of If not completed,

Name villages activities activities reasons
planned completed

Chaitanya Satara 17 12 2 Next Month date given by

Govt. Officials and village
sarpanch
Sada 11 21 10 Next Month date given by
Waghapur Govt. Officials and village
sarpanch
Gude 12 3 0 Time Constraint

Ghatnandre 13 19 8 Next Month date given by

Govt. Officials and village
sarpanch
Chakla 5 15 12 Next Month date given by
Govt. Officials and village
sarpanch
Bramhanwel 6 15 8 Next Month date given by
Govt. Officials and village
sarpanch.
Naundurbar 3 6 5 Next Month date given by
Govt. Officials and village
sarpanch
Khori-Titane 3 8 3 Next Month date given by
Govt. Officials and village
sarpanch
Supa 3 5 3 Next Month date given by
Govt. Officials and village
sarpanch
Sinner 7 0 7

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 4. “Jankar” (Resource Person)
The word “Jankar” is a
Marathi word means, the
one who knows or expert
in. It is derived from
Sanskrit word’ ‘Dnyan’
meaning knowledge. Jankar
is SHG member who is been
trained and having
knowledge of or expertise
in particular theme.

The concept of Jankar has

been evolved to build a
cadre of SHG women
leaders who in turn
empower their fellow SHG
women to solve their self- identified need/issues themselves. For the same, it aims to
evolve strong sustainable partnership of these institutions with local government
machinery, as well as other local organizations.
In 2003, Chaitanya began experimenting with formally training women participating in the
SHGs with legal and counseling skills to become legal Jankars. The applicants training lasted
for one year with practical exams, field visits, final exams and certification.

24
The certified Jankars with identity cards recognized by the local police stations form
centers that provide legal and counseling expertise for women experiencing domestic
violence and harassment. Such primary legal and counseling centers, Women’s Information
and Assistance Centers, are currently operating in seven districts to address issues that
violate women’s rights.
The Jankar concept when
presented to the Ford
Foundation was
appreciated and the funder
extended its hands to excel
with more women for in
Maharashtra and also in
Madhya Pradesh. The
initiative was designed to
evolve 20 counseling
centers 10 each in both the
states.

25
Ford Foundation Established in 1936, the foundation is an independent, global organization
with a legacy of commitment to innovative leaders on the frontlines of social change. First
regional office was opened in 1952 in New Delhi.

The partnering with chaitanya started in Dec

2013 for the program and the partners started
the initiative together to train 300 women on
legal rights. All the 20 counseling center should
have 5 counselors each to resolve the issues
brought by women.

26
 Types of Jankar:
A. Legal Jankar

Have the knowledge of legal

procedure, how to handle and settle
the issue pertaining to different cases
i.e. – Domestic violence, Land issues
etc.

The legal Jankars add an expertise on

legal and counseling methods that
augment the support provided by the
SHG system to women.

The overall objective of the project is

to evolve local support action for
preventing and dealing with
domestic violence leading to reduced
incidence and increased voicing by
women. The project aims at
increasing outreach of the experience
through a cadre of local Jankars
(Guide and Counselor) – selected
from SHG members and trained.
27
 B. SHG Jankar -
Every month SHG Jankar training is
given to the SHG members to built
good relationship with all members,
recording various financial
transactions of SHGs, and solving all
the SHG management issues
internally .

C. Govt. Jankar Training-

The Govt. Jankar training
emphasizes on – knowing,
approaching & receiving
information regarding various
government programs, how
these programs can be
implemented at the village
level through the assistance of
Govt. officers with the
participation of SHG members.

28
 Highlights 2014-2015

 Initiating Legal Jankar project in Madhya Pradesh. Meetings with Tejswini

and several partners at Bhopal, Madhya Pradesh. Identification of
Partners with similar interest for fulfilling the objectives of the program.
 Orientation of partners on Legal Jankar concept and strategies in Madhya
Pradesh.
 Conduct Base line survey to understand and analyze the status of women in
Maharashtra. The basic aim of the study was to analyze the extent of Domestic
violence and understanding of women on their legal rights and accessibility to
it.
 Developing the existing module incorporating the learning’s from the
Baseline.
 Selection of legal Jankar training participants in both the locations.
 Identification of training venue and other logistics.
 Residential Trainings of legal Jankar in Maharashtra and Madhya Pradesh
 Follow-up of participants for regular participation in the training programs
through letters and phone calls.
 Develop MIS for maintaining records of Jankars.
 Formation of committees addressing Sexual harassment at work place.
 School programs for adolescents speaking about Sexual harassments and child
abuse.
 Actively participated in the Annual General Meetings held by the federation in
9 locations of Maharashtra and encouraged the SHG women to become a part
of Legal Jankar Program

29
Summary of Counselling Center & Training Location

Sr.No Center No. Of Cases Solved Case Total

Jankar at. Under Solved
Counselling Process Case
Center
1 Khed 03 134 54 48 86
2 Junnar 06 09 05 03 06
3 Junnar 03 265 207 15 255
Police
Station
4 Ambegaon 05 29 14 15 14
5 Pune
6 Manchar 01 04 02 02 02
7 Sindkheda 06 07 03 04 03
8 CMRC 15 30 12 17 13
9 Sinnar 15 04 01 03 01
10 Talegoan 03 05 02 03 02
Total 57 487 300 110 382

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We are grateful to our partners!!!

31
 5. Upjeevika (Livelihood)
“Upjeevika” is a Marathi word for Livelihood. A livelihood is a means of making a
living. It encompasses people’s capabilities, assets, income and activities required to
secure the necessities of life.
Livelihood project aims at enhancing knowledge and sharpening skills of SHG women
to manage available resources and creating sustainable systems to alleviate their
economic conditions.

Livelihood security is ensured through improved agricultural practices and increased

productivity by diversifying their sources of income.

In order to generate additional source of income, Chaitanya facilitates the

establishment of micro-enterprises for SHG members. It also guides the ways for
searching market linkages for these micro-enterprises which are identified and
selected after assessing the value chains.

Objective:
1. To increase skill and knowledge about livelihood means for better utilization of
existing resources
2. To implement new technologies with regards to agricultural practices.
3. To introduce innovative livelihood ideas for increasing sources of income of
poor household.
4. To show new livelihood options and opportunities available through
combination of livelihood and microfinance.

Activities:
Training:

In order to enhance knowledge of livelihood practices and the skills required to

manage available resources Chaitanya conducts trainings tying up with
technical partners; related to:

o Vermi- compost/ Bio dynamic

o Organic farming
o Animal husbandry
o Financial aid for credit needs
32
 o Raised-bed agriculture
o Kitchen garden
o Horticulture
o Fodder enrichment-Azolla
o Systematic Rice Intensification (SRI)
o Tailoring, bag making and handicraft

Promotion of farmer groups:

Promote farmer groups around specific products and services (i.e. hand
pounded rice, vegetables, milk collection etc. Identified via value chain analysis
and work towards facilitating bigger share for them. This is achieved through
both backward linkages like collective procurement and forward market led
interventions.

Upjeevika Jankars

Create a cadre of community resource persons called Upjeevika Jankars to

perform field extension services and marketing.

33
 Some Livelihood Practices by SHG Women

Horticulture Vermi-Compost Kitchen Garden

Rice Intensification Cattle Management Papad Making

Raised-bed agriculture Tailoring Floor Mill

34
Highlights 2014-2015 (Livelihood)

Cow Project: (supported by Rotary Club, Pune North)

 A two year project (January 2014- December 2016) under which a refinance
grant of Rs 30 lakhs was
received to disburse loans to
marginal women farmers in
order to diversify their income
source. The loans were given
on an interest rate of 1% per
month to ensure self-
sustainability of the project.
 The project runs in Khed and
Junnar blocks of Pune District
and benefits 100 SHG
members.
 Under the scheme, training of
cattle management was given
through federations; before
and after buying the cows,
also insurance of the cow is
made mandatory.
 Exposure visit of 40 members was conducted to Govind dairy at Phaltan, Dist.
Pune.

Enhancing livelihood opportunities and nutrition among tribal SHG women:

(Supported by Department of Science and Technology (DST), Government of India).

 The project runs in 5 villages of Junnar block of Pune district: Amboli, Shivali,
Bhiwade Bk., Kukudeshwar and Khadkumbe. It focuses on enhancing livelihood
opportunities and improved agricultural practices through dissemination of
technology, thus checking migration too.

35
  The project also envisages health awareness campaign for women and children
as incidences of anemia are prevalent in the region. Hence, importance of
having iron and vitamin rich food as well as training for establishing kitchen
garden will be emphasized in forthcoming seasons.
 Under the scheme, in order to to channelize all the resources; orientation
program for 45 Livelihood Jankars was conducted and regular 6 month training
program will be conducted in coming year.
 Also SRI (systematic rice intensification) technology will be used to improve the
yield, also adding value to rice by hand pounding and promoting it as a health
product in markets of Pune.
 For the same a rice pounding machine has been developed and installed in
Aptale, Junnar to reduce the time and effort.

Promotion of Hand Pounded rice

 This was started as

a federation
activity to add
value to rice yield
and its price. It is
been found in a
small survey that
hand pounded rice
if promoted as a
health product in
the markets of
Pune, can generate
an extra share to
farmers on their
product. For
example,
Indrayani rice
used to go in
market for rupees

36
 40 per Kg, the same when hand pounded has a price tag of rupees 75 per Kg
which straight away gives a large share of profits to the farmers. This rice was
promoted under the brand name of Ankur and supported by the GMSS (Gramin
Mahila Swayamsiddha Sangh), federation of Khed block. Various exhibitions
and first point contacts were used to sell the rice.

Chaitanya Fellowship in Rural Entrepreneurship (C-FIRE):

(Supported by Tata Motors CSR, Pune and trained by Vigyan Ashram, Pabal, Krishi
Vigyan Kendra, and Narayangaon and Government institutions.)

 The need
to
develop
village
based
enterpris
es was
felt at the
increasing
incidents
of
migration
in the
villages of
Junnar
and Ambegaon block. Five day training cum orientation program on improved
agricultural practices, cattle management and enterprise development was held
in 4 villages, 2 of each Junnar and Ambegaon block. 200 farmers of these
regions took active participation and further went to exposure visit to Vigyan
Ashram, Pabal to see the technology in play. Action plan, indicating clear need
of farmer according design plan was concluded.
 Prior to training camp, a food competition was also held, from which women
entrepreneur was chosen to cater food to participants during 5 days program.

37
  For the same PRA activities were done in Amboli and Shivali to identify the
participants.

Farmer groups and their trainings:

 Chaita
nya is
also
focusi
ng in
formul
ating
farmer
’s
groups
in the
village
s of
Khed,
Ambeg
aon
and
Junnar
block.
There
are
around 15 groups in Junnar, 12 in Ambegaon and 7 in Khed who are getting
regular monthly training from Prof. Suresh Ranpise (former agricultural officer
in Junnar and currently professor in Agriculture College, Pune.)
 Trainings and demos on soil testing, raised seed beds, organic farming (S9
beds), azolla, kitchen garden is being provided in the meetings. Further they
will be trained on the crop management to meet the market demands.

38
LEAP (Livelihood Enhancement Action Program for women):
(supported by IDRF (International Development Relief Foundation)

 It is a new project, began from March ’15 envisages to impart training to

women in various technologies and improved agricultural practices.
 A few activities like, clean milk production, better fodder technology,
importance and trainings on organic farming, vermin composting as a business
activity, promotion of kitchen garden are to be focused

Ankur Vegetables:

Through this
new initiative,
fresh and
quality
vegetables
directly from
farmers are
being sold at
the housing
societies in
Pune. Two
packs of
vegetables
have been
delivered on
April ’15, at
Konark
Enclave, Pune
and one more
pack will be delivered on 19th of April in Viman Nagar, Pune on pilot basis. The aim of
this initiative is to evade middlem en, at the same time creating market links for fresh
and quality vegetables directly to consumers a well as ensuring better price rate to
producer farmers.
39
We are grateful to our partners!!!

40
 6. Health
The improvement of health and nutrition among women and child is one of our major
priorities. Our preliminary goal is to enable rural community to live healthy life. A study
conducted in seven village of Khed block of Pune
district reveals marginal or poor health conditions
of women and child. A high incidence of
preventable illnesses was found. These illnesses
were left untreated until they became severe. A
common trend was the lack of understanding of
personal health and accessibility to healthcare
services. There is a strong utilization of
microfinance for health purposes. However,
families are unable to repay loans used for health.

Health Strategy
A stand-alone program will not address health problems. The need is to focus on strategies
that will combine preventive healthcare approach with increased quality and
accountability of extension services. Also a cushion from health shocks is required. Thus, a
three-pronged approach is required

A. Preventive Healthcare Facilities

B. Absorbing Health Shocks
C. Community Based Monitoring of Healthcare Facilities

Health Program consists of following schemes:

DIPTI AROGYA NIDHI (DAN):

It is Chaitanya’s health initiatives/project. The scheme intends to disseminate information

and make aware beneficiary SHG member of emergency health shocks, provides health
insurance and organizes health camps availing various medical services.

NATIONAL RURAL HEALTH MISSION (NRHM):It is a central government project

under which various health services are expected to be available at PHC, but they are not
delivered properly to beneficiaries as indicated. It is our endeavor to pursue and make
available these services on time.
41
Highlights 2014-2015 (Health)

A. Preventive Healthcare

 Distributing kitchen garden kit

 To ensure clean and safe drinking water

for SHG members Disha Fine Aqua water
filters to be distributed among SHG
members at conventional rate.

B. Absorbing Health Shocks- DIPTI AROGYA NIDHI (DAN)

DAN is a community based micro-insurance model that enables members to share
their risks of illness. Members contribute to a pool of funds through which a
democratically elected group of SHG women make decisions regarding the dispersal
of funds to the community for health financing. Comprehensive services have been
designed to support preventative, curative and rehabilitative care. The quality of
healthcare will be addressed through the provision of a network of qualified doctors
providing healthcare at pre-negotiated concessional prices.

Technical assistance from ‘Uplift India Association’, a non-profit organization in Pune

that has extensive experience in administering health mutual funds.

Under DAN, medical health insurance of SHG member is covered. Up to 60 % of the

claim amount is returned if patient is treated in private network hospital. 100%

42
 claim amount is returned if
patient is treated in private
government hospital. Upto Rs
15,000 is disbursed to SHG
members depending upon the
category of disease.

The scheme has received

financial support for
implementing various
programs from “Concern India
Foundation”. Members of
MAVIM (Mahila Arthik Vikas Maha
Mandal),Peoples development education
organization, Rajasthan , Parvati swayam
Rojgar Vikas Sanstha visited

Out Come in Health Service

1. Heath Camp: -

With association of D. Y. Patil

Medical college and network
Hospital arrange health camp for
the SHG women and their family in Khed and Junnar, Manchar, Shikrapur
every month. In this camp different
specialist like Gynecologist, Orthopedic,
ENT, Pediatrician and MD Medicine do
the Primary Health check up. distribute
medicine at free of cost to each Women.

43
 After primary diagnostic Dr refer patient to the D.Y. Patil Medical College at
affordable cost.

2. Yes Bank CSR Project:

Chaitanya implemented Yes

Banks CSR project on Health
and hygiene program. This
program includes Water filter
distribution, Health Camps, unit
of Community water filter and
unit of Community toilets in the
village.

Implemented with 9 federations.

CMRC Name Water filter Health Camp Community Water filter

Bhusaval 1604 0 1
Kajgaon 1378 2 1
Songir 1168 1
Sinnar 750 1
Akole 416 1 1
Karveer 655 1
Shirol 634 1 1
Kudus 1000 1 1
Total 7605 8 5

44
 2. Support from network
hospital :

SHGs members are well aware

and receiving good supportive
health services from private
and Government network
hospital; be it consultancy,
OPD or IPD.

Current Interventions
Under DAN, basic training of
Panchkarma therapy (i.e. an ayurvedic
treatment) has been started in association with Dr. D.Y.Patil Ayurvedic Hospital. The
objective behind this training is to make aware the rural SHG members of the ayurvedic
treatment and its related advantage. It also intends to help eligible & trained SHGs
member to start their professional services.

Health Jankar
A SHG member who possesses
supplementary knowledge of health
services is selected as health Jankar.
The selected health Jankar is
trained by by Yashavantrao Chavan
Open University. At present,
approximately 40 Jankars from
Khed, Junnar, Shikrapur, Manchar
federation are being trained &
disseminating whittle.
Job of the Health care

1. To plant kitchen garden

2. To aware the SHG member
about clean drinking water.
3. To aware the SHG member in
prevention of Diseases in villages.
4. To help in organizing health camps.
45
 NRHM- Community Based Monitoring Project
In the first and second phase of this project, we have
successfully facilitated the formation of village health
committees (VHCs) in Junnar block .These committees
have been formed to support and monitor the health
services at the Primary Health Center (PHC) level
.Villagers have actively participated in these committees
and raised several important issues related to the health
facilities at the PHCs.
Due to excellent results in the first and Second phase of the projects. National Rural
Health Mission (NRHM) has entrusted us with the second phase of the project in Junnar.
Community based health federation consisting 17 members where was formed in
January.
2015. “Jansunwai” i.e. awareness and dissemination of Information regarding various
health services through federation.

 Health Awareness & Mobilization

NRHM includes community based
monitoring as one id key stratagem its
framework revolves around crating
accountability among the health
determinants.

Community ownership and

participation in management has been
seen as importance pre requisite
within NRHM to familiarize people
with NRHM we did lot of activities in
25 villages. Like Health scheme
information, self Rights &
responsibility. This year 25 Activity are done in 25 village.

46
 PHC Meeting conducted in
this year 10 times (3 PHC)
Did meeting in three PHC with PHC
committee members. Then following
issues
1 Proper planning of Nidhi
2 Closed sub centre
3 Unclean PHC

 Jansunwai Program At
Yenere & Aptale PCH
Through of Jansunwai People get participate in the program
People Share their problems in front of THO, THO Promise to the villager that he will
made the provision to reached services at the interior place in the villages.

 Conducted 1 Block committee meeting

Conducted block committee meeting participated z.p ,panchyat samiti Members also
yenere Phc MO & CBM Members .
Meeting following details
Planning is confirm of yenere PHC proper working . and the facilities are not getting
In RH, so both politician and Z.P members are ready to work together for that
facilities and its final.

 PHC Report Card Filled up

PHC report cards are filled up through CBM then VHC had vistited to phc. and we
learnt to there how admin process is works and phc structure .and we also saw the
uncline area of PHC .so these all the thighs saw by VHC, they given all reports to
JANSUNVAI through presentation.
 Sub Center monitoring format
SCM Format is made and on the basis of this format, activities had done in 11 sub
centers. We know on the basis of this activity, ANM are not presented in Ghadghar
,khadkubi and Amboli .so this issue submitted to THO and they committed to RSK
Committee that all ANM all will present at their sub centers in 10 am to 5.00 pm.

47
Impacts of Projects (2014-15)

1. The standard of health services was raised with the help of “Jansunwai”.
2. The number of successful deliveries cases at PHC level has increased
3. Health services are now available at sub stations of PHC.
4. Considerable awareness among people has been observed with the establishment
of federation.

Summary
NRHM 2014-15

Sr.No Name of Activity Total Total

Activity participant
1 Meetings of newly formed VHSCs/Awareness 200 1400
programmes
2 Awareness programmes in additional villages 10 200
3 Orientation workshop for RKS (Rugna Kalian 1 13
Samiti) Members at Block level
4 PHC monitoring Committee Meeting 10 90
5 Community based monitoring report card 30 500
6 Jansunwai through federation 4 220
7 Filled up sub center card 11

48
DAN: 2014-2015

Total Member in DAN

Sr.No. Federation Total Total SHG in Total
Amount DAN Member
1 Khed 3,24,775 110 1870

2 Junnar 2,04,800 69 1090

3 Manchar 72,050 22 415

4 Shikrapur 1,01,250 30 584

Total 7,02,875 231 3960

Total Claim Distribute

Sr.No. Block Total Claim Total Claim
Settlement Settlement
Amount

1 Khed 72 2,17,389
2 Junnar Block 50 1,57,039
3 Manchar 1 5,000
4 Shikrapur
Total 111 3,79,428

Total Health services DAN

Sr. Health-Care Total Participant Association with
No. Camps Activity

1 Ayuarvedic 17 3340 D.Y.Patil Ayurvedic

College, Pune

2 Allopathic 17 3655 D.Y. Patil Medical

College, Network
Hospital
Total 34 6995
49
We are grateful to our partners!!!

50
 7. Financial Literacy
Since the last five years, there has been a growing realization that access to financial
products does not automatically result in better financial management, which is
dependent on a number of factors, many of which are external to finance, and may seem
unrelated to many. Chaitanya therefore initiated a programme of financial literacy with
the support of Indian School of Micro Finance for Women, Ahmadabad. It also became a
member of the National Alliance for Financial Literacy (NAFIL).
Financial Literacy programs are aimed at providing
information to people about financial concepts and
products, in order to help them better manage their
personal finances.
One of the major challenges of the financial literacy
programme was that it necessitated household level
plan of financial management. A new programme has
been designed based on these experiences as well as
inputs from GIZ, and piloted in Khed, Sinnar, Manchar,
Junnar and Supa blocks.
The essential elements of our financial capability approach are as follows:

1. Cash flow data collection– A

simplified cash flow data
collection tool has been
developed. It contains all cash
inflows and outflows of a rural
household from various
livelihoods. The tool would be
explained at the beginning of the
training programme and the
Jankars (Community Resource
Persons from SHGs) will help
the members to fill it up.

51
2. Sessions on financial literacy–
A total of six sessions are
planned, with one session held
every two months at a cluster
level.
Session 1: Introduction to Financial
Literacy, cash flow and savings
Session 2: Borrowing for livelihood
enhancement
Session 3: Investing for a secure
future
Session 4: Risk management
Session 5: Pension and financial
planning
Session 6: Refresher

3. Cash flow game – The game has been designed based on the findings of cash flow
data analysis of 465 households, which highlighted that positive cash flows is
directly dependent on diversification of livelihoods and not on land holding
size or even irrigation. Hence the game which has 4 players – landless, cattle
rearer, big farmer and small farmer start with certain assets and liabilities
typical of such households.
Those players who chose to reduce risk (by taking insurance) and increase
investment in business and cattle (diversification) get higher returns and win
the game

Highlights – 2014-2015
- Six modules for financial literacy have been designed, and are in the process
of being tested
- Cash flow game design has been finalized

- Financial Literacy Jankar trainings have begun in Khed, Manchar, Junnar,

Sinnar and Supa

52
 8. E-Learning
With the launch of National Rural Livelihood Mission, and
the requirement for a large pool of resources, there was a
need to think beyond class room sessions. Chaitanya
collaborated with other management institutions as part of
the Livelihood Manthan Network Includes XLRI, XIM
Bhubaneswar, TISS Mumbai, EDI Ahmadabad, MDI
Gurgaon, IIM Udaipur, and The Livelihood School
Hyderabad and to design an e-learning course for federation managers and professionals
interested in livelihood promotion.

Live Website URL: www.e-learningchaitanya.net

Hartley welcome!!! Thanks for the support!!!

53
9. Representative Case Studies
1. Community Development through SHG
Village: Amboli
Federation: Junnar

About the village Amboli is a village in the Junnar Federation of Chaitanya. It has a
total of 5 SHGs in it.

Development after establishment of SHGs

A major source of income for the families in Amboli is agriculture. Most of the families
in Amboli have ancestral agricultural land holdings. The land holding varies from 1-2
acres to 7-8 acres. But the major problem in Amboli was the deficiency of irrigation.
There exists a dam nearby but the cost of building a pipeline for irrigation was huge.
The total cost for building a pipeline for a family was about INR 100000. Such a high
amount was usually not taken as a loan from the bank or gaonsahukars as people felt
they would not be able to repay the amount. But after the advent of SHGs in Amboli,
women from the same SHGs have started collaborating in group of twos and threes.
Then they take a loan of INR 100000 and build a pipeline to provide irrigation for their
farms. In this way, more and more families have developed sustainable irrigation
facilities for their farms.

54
Before the establishment of SHGs in Amboli, there were primarily two major sources of
income for the families there – one was agriculture and the other was jobs in
Narayangaon and Junnar region. But after the advent of SHGs, taking loans have become
easier for families in Amboli. Thus, women are now taking loans from SHG and getting
into dairy business.
Most of the families in Amboli now have buffalos and earn a hefty income by selling
their milk. The income from one buffalo is around INR 2000 per month. This has led to
an additional source of income for the families of Amboli.

Most families in Amboli were ignorant about health related issues. Families were
ignorant about basic health awareness like vaccinations, common diseases and their
remedies etc. Chaitanya organises numerous health training camps in Amboli. SHG
women from the village attend the training sessions. Now, women in Amboli village
have developed a basic knowledge about health and hygiene. Few women have become
health Jaankar by regularly attending the training programs of Chaitanya. They help out
other families when they face any health issue.
There have been major self-entrepreneurial steps being taken by families in Amboli.
The loans which earlier used to be available at 10% monthly interest rate from the
gaonsahukars are now available at only 2% monthly interest rate from the SHGs. This
has motivated people to take loans and start businesses of their own.
ShantabaiValchim has started a rice mill of her own in the year 2011 in Amboli. This
venture costed her around INR 90000. Now, the rice that is cultivated by the farmers in
Amboliare taken by Shantabai for processing. The processed rice is also then consumed
by the villagers of Amboli. This availability of loan at a lower interest rate has
encouraged villagers to take loans and start their own businesses.

Another important developmental aspect for villages in Amboli has been the building of
houses there. Women have availed loan facilities from the SHG and either renovated
their house or built a completely new house. Few families who used to live in rented
houses have now moved out of them and built a new house for themselves. This has
made families of Amboli more independent. They now spend less on rents to be paid
and use that money for other purposes like education of children or agriculture.

Education levels have also risen in Amboli after the advent of SHGs. Women who save
money in their SHG account have used it to fund their children’s education. Women who
usually save INR 100-500 in the SHG account, attribute these savings to be the major
source of funding of their children’s education.

55
2. Women Empowerment through SHG
Name: Padme BhagirathLanke

SHG Name: Prerna

Village: Vadgaon

Age: 33 years

Caste: OPEN

Background –

Padme BhagirathLanke is the wife of BhagirathLanke and originally belongs to

Sangamner. She came to Vadgaon seven years back in order to start a business and
improve their livelihood conditions. Padme’s husband also had a land holding of 14
acres in Vadgaon which was another reason for their coming to Vadgaon. They started a
small grocery shop which Padme ran.

Due to financial constraints, she could not stock many products in the shop. The
earning was just enough to sustain their livelihood. They did not take loans with the
fear of defaulting due to its high interest rate, nearly 10% per month. Padme, although
a graduate (Bachelor of Arts) from SangamnerCollege, did not go out of the village. She
was afraid to talk to a gathering. She never used to be a part of discussion when people
from panchayat used to visit them. When she came to Vadgaon she even did not have a
bank account. Health insurance was something which was a never heard story for her.

Life in SHG-

Padme says “I joined SHG because I get to know what happens around me. If I face
any problems, women of SHGs help me. Financially, I feel secured now”. Padme is
currently the group leader of her SHG after four years of joining it. She leads the group
in all the meetings and is quite happy with the way it is functioning. She has taken a
loan of INR 20000 and has bought an LED television set with cable connection. Her
savings have also increased over the past 4 years. She now saves INR 200 compared to
INR 100 two years back. She has used this savings many a times to expand her business
whenever needed.

56
She has started a business of pre-paid phone recharge with the savings that she
managed over the years.

Padme who did not have a bank account before coming to Vadgaon, today not only has a
bank account but also writes cheques for her SHG. She also has visited bank to negotiate
with the branch manager. She also has bought Health insurance after joining SHG.
She has ‘ArogyaDeepti’ insurance plan for her family. She also has bought a ‘Religare’
health insurance with a sum insured of 15k. She has also undergone development of her
skill set post joining her SHG. She has taken training of ‘Soap Making’ which was
conducted by Chaitanya in Vadgaon. Although she has not started anything which
provides an income source from this training, but she tells that she might definitely do
something if opportunity comes.
Padme says, “As I have learnt something new, this will always be there with me. If
someday I get a chance I will definitely make it a business source.” She has increased
her savings in SHG as she is aware of the expenses that her children’s education will
demand. She currently has a daughter studying inn 2nd standard in the ZillaParishad
School, Vadgaon and a son studying in pre nursery.
Padme proudly says, “Vadgaon was named as an AdarshGaon in the listing of
villages. I coordinated a street play on how Vadgaon works in a function organised
by the federation in Narayangaon. I also got an opportunity to go outside my
village and train others on how to manage an SHG. I had not even thought that I
would get this opportunity the day I joined the SHG.”

Here, we see a case of a woman who had come to Vadgaon with a financially weak
situation and with literally low empowerment. Now, she is the Group Leader of an SHG
in a village which has been named an ‘Adarsh Village’.

The opportunities that she got in the SHG have made her grow not only financially but
also socially.

57
 10. Awards & Appreciation
 “Maitreya Samajik Krutadnyata Purskar”

Chaitanya Family and its founder ‘Dr. Sudha Kothari’ were felicitated by
“Maitreya Samajik Krutadnyata Purskar” on October’ 12, 2014 for outstanding
contribution in Self Help Group Movement and community development. The
award is being conferred every year by ‘Maitrey Foundation, Mumbai’ in memory
of Late. Madhusudan Satpalkar.

 “Tejswini Purskar”

‘8th March 2015’, International Women Day: “Tejswini Purskar” to Dr. Sudha
Kothari for women achievers by “Inner Wheel Club of Pune”

 “Rotary Award”

Rotary Award for “Chaitanya” services in rural women empowerment.

58
 11. Contribution of Chaitanya family
in recovering tragic “Malin landslide”
calamity
Call it by a nature’s catastrophe or effect of
human intervention, a very large landslide
occurred in the village “Malin” in the
Am
beg
aon
Tal
uka
of
Pun
e Dist. Maharashtra, On July, 30, 2014, the
landslide struck and effectively wiped out the
village Malin, located close to Bhimashankar
in the western Ghats. The landslide, which hit
early in the morning while residents were asleep buried and killed at least 134 people.
In a hostile environment where rescue operations were bit challenging, Chaitanya
family responded immediately and contributed in its humble way.

 Reaching out to disconnected and homeless

families :
Provision of essential commodities such as
grocery, grain, floor, soap, oil etc. to the
villagers of Chinchewadi disconnected due to
torrential rain and subsequent flood. Members
of Yashwardhini federation and clusters at
village Kanse, Ghodegaon and Boghar
successfully invaded breathtaki ng, fearful
environment, reached and delivered essential
commodities to 25 families of Chinchewadi.

59
 Workshop on “Counseling the natural calamity affected person”:

One day workshop on “Counseling the calamity affected person”:was organized

by Yahwardhini Federation, Rajgurunagar. Fieldworkers were trained by expert
from NIMOSS, Bangalore and Palash
Mandal who in turn condoled and
counseled the relatives of the victims.

 Health Camps and Medical

Services:
Health camps were organized in
association with Dr. D.Y.Patil Hospital
where various diseases were
diagnosed and treated. Total 576
patients were tested, consulted and
further admitted in D.Y. Patil
Hospital, Pimpri if found necessary.

 Help in rescue operations:

Tea and breakfast was provided to police, paramilitary forces, Natural Disaster
management Response Force, relatives and volunteers searching for victims
entrapped in landslide during
August 1’ to August 8’ 2014. The
relatives were helped in
heartbreaking task locating their
beloved one buried in feet of slush.

 Tribute to Victims

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12.Tribute !!!

“Vijay Kulkarni”
Prof. V. M. Kulkarni died on October’ 8, 2014, he was 62 years old. Popularly known
as “VM Sir”, he was truly “Friend, Philosopher and Guide” of ‘Chaitanya family’.

He worked as professor of economics at ‘Mangeshkar Mahavidyalay’, Aurad

Shahajani, Dist. Latur’ and was voluntarily associated with Chaitanya since its early
days till his last breath.

Endowed with a teacher’s heart blending with worker’s hand, elevated him to
receive the honor- “Mass Mentor”.

True to saying -“Words uttered floats with the airs, words preserved become
prayers”; he always emphasized on and importance of ‘documentation in any form’.

He wrote several books- ‘Bachatnama’

(बचतनामा), ‘Bachatgat
Watadya’(बचतगट वाटाड्या),
‘Swayamsevi Sansthancha Watadya’
(स्वयंसेवी संस््ांचा वाटाड्या), ‘Bahana
bachat ka badlav bahano ka’(बहाना
बचतका, बदऱाव बहनोंका), ‘Geetmala’(
गीतमाऱा) which are considered as “
Guide posts or ready reckoner’ for
every social worker of Self Help Group
Movement. He was also instrumental in formulating the curriculum and books on
‘SHG Prerak- Prerika’ (प्रेरक- प्रेररका) for the courses designed by ‘Yashwantrao Chavan
Open University. Simple, step by step and lucid style of his prose makes the difficult
concept easy to grasp for layman too.

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 He conceived the idea of “Batwa” in 1995; then popular as wallpaper among grass
root SHG members, later turned into
monthly. Batwa is whole of ensemble of
Chaitanya’s activities.

Being a gifted orator and having grass root

understanding of social realties & rural
living, he built a cadre of trainers and field
workers. His penetrating words were
always inspirational in initiating actions.

While working as member of consulting

committee of Chaitanya’s ‘Women
Training & Resource Centre’ he made
valuable contributions.

Tribute to V.M.Kulkarni Sir!!!

“A Poet & Philosopher of the SHG movement.”

62
 13. Participation
Sr.No Date Program Organization Location
Participation
1 8.10.2014 Maitreya Samajik Maitreya Mumbai
Krutadnyata Purskar
2 30.12.14 Workshop on Development YMVA Pune
Development Support Team
Challenges in the
current Socio-
Economic
Environment
3 31.12.14 Inauguration of Dyan Chanakya Mandal Pune
Mandir
4 10.3.15 Meeting of Regional AFARM Award
Agriculture Forum Organization,
Satara
5 11.1.2014 Inclusive Credit Sa-Dhan Mumbai
Information Bureau-
Steering Committee
Meeting
6 13.1.15 Baya Karve Purskar Maharshi Karve Auditorium
Shri Shikan Cummins
Sanstha College of
Engineering,
Pune
7 8.1.15 Women Gramontti Mandal Narayangoan
Entrenurpnership Krushi Udyog
Development Kendra
8 10.1.15 Workshop on Pritam Prakash Bhosari
Personality Kala & Commerce
Development: Mahavidyalay
Importance of Saving
9 23.1.15 Publication of – Democratic Dialog Patrakar
“Lokshai Sathi Samaj Network Bhavan ,
Samvad Pune

63
 Our Team

Dr. Sudha Kothari, Managing Trustees

Surekha Shrotriya, Admin Trustees
Kalpana Pant, Director & Project Head

SHG & Federation Promotion Jankar

Sanjay Joshi
KaushalyaThigale-Chief Finance officer Soniya Bhatt
Jaya Katale- MIS Manager Ganga Buke
Sunil Ahirrao- Operational Manager Jaya Bairagi
Kumar Gholap- Operational Manager Vimal Ranpise
SushmaMankar- Regional Manager. Surekha Gayakwad
AnantaMaskare- Internal Audit Sushma Damse
Manager Suwarna

Upjeevika Draft & Design

Prashant Sharma
Dinesh Potdar
Health Priyanka Talekar
Nitin Pardesi DAN Coordinator, Khed
Bimla Sharma , NRHM/DAN
Coordinator, Junnar
Namrta Patil- Medical Officer
Shravan Vadekar, NRHM Executive
Pushpa Mojad – DAN Executive Junnar
Sagar Kamble , DAN Executive,
Shikrapur

64
 Thanks!!!
65