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Microcredit by the NGO NEPED in the North East of India
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Nagaland Empowerment of People through Economic Development (NEPED)
WORKSHOP ON KNOWLEDGE MANAGEMENT FOR RESULTSOrganized by: ILRI
Greenwood Resort, Guwahati7th -9th April 2010
Mandate: Making Naga Communities economically VIBRANT & INDEPENDENTMission: • NEPED as friend, philosopher & guide• as facilitator• clearing house on good agril. practices
Phase I (1995-00) II (2001-05) III (2006-11)
No. of villages 854 104 63
Budget (Rs in cr) 12.85 12.85 15.82
Activity Phase-I Addressed JhumPhase-II Reinforced JhumPhase-III Consolidate jhum
STRUCTURE & PROJECT STAKEHOLDERS
Project Steering Committee
Chief Minister
Chief Secretary
D S U
VC/VDB
FARMER / WOMEN GROUPS &SHG
Team Leader
G o I
G o N
State Agri Research Station
Other Research Partners
SERVICE DELIVERY MECHANISM
NEPED
Village Council
Farmer
Women SHG/Groups
Farmer
Women SHG/Groups
Peer Pressure + VC/NMC
Loan RecoveredGrant-in-Aid
Loan Recycled
SERVICE MODEL FEATURES
DONOR
NEPED DSU VC/VDB (District Adm. )
NMC
BANK
LOANEE FARMERS
ACHIEVEMENTS
Communities empowered through participatory approaches Women involved in planning and implementation Self employment opportunities Micro-finance: Transition to market economy Provide systemic access to financial resources Reinforce ownership Women’s empowerment through access to resources – 25% of funds
REVOLVING FUND STATUS (2001-06)
0
20
40
60
80
100
120
140
Kma Wka Mon Mkg Zbt Tsg Phk Dma
Amount disbursed Amount recovered Amount re-cycled
0
500
1000
1500
Kma Wka Mon Mkg Zbt Tsg Phk Dma
No of Loanees
☻Amount disbursed=826.04 lac ☻Amount recovered=475.76 Lac ☻Amount re-cycled =370.9 Lac
CHALLENGES/OBSTACLES1. ORGANIZATIONAL LEVEL:
Lack of co-ordination of line departments
Poor documentation & reporting
Limited human resources
2. FARMER COMMUNITY LEVEL:
Frequent change of village leaders (VC, VDB)
Absence of organized markets
Ignorance of post harvest technology/value add
At times of natural calamities no support price
fixed by the government
3. ANIMAL PRODUCTION:
Service delivery system
LESSONS LEARNT
• Empowering traditional village institutions ensures effective implementation of any development activity• Women are more transparent, accountable & dependable• Respect Farmer’s knowledge as they know what is best• Flexibility in choosing activity for income generation • Participatory approaches works better rather than top down approach
Thank You!