LIVELIHOOD

REHABILITATION

PACKAGE

By

Kudumbashree

2019-20

Impact of Flood on Women

Women‟s

Social, Productive,

Infrastructure and Cross

Cutting Sectors badly

affected

Disproportionate and

direct impact on

employment and

livelihood opportunities of

women

Withdrawal from the work force

during response & rehab affected

economic empowerment

Sectors that engaged women – agriculture,

livestock, micro enterprises have reported

substantive damages and this affected

women‟s economic activities

Micro Economic Impact on Kudumbashree Enterprises / JLGs

29,000 Acres / 25056 JLGs / affected. Loss & Damages estimated to be

Rs. 197 crores

259 units of Broiler farms / Cow or Buffalo or Goat rearing /

backyard poultry / Male calf Rearing affected in floods. Loss & Damages

estimated to be 2.5 crores

1350 Micro Enterprises affected. Loss & Damages estimated to be

Rs. 15.05 crores

DISASTER RESPONSE ACTIVITIES

By Kudumbashree

Counselling

Cleaning of Houses / Public Places

Community Kitchen

Packing of Take Home Kits

Resource Mobilisation

NGO Coordination

• Strengthening people‟s institutions for sustainable development

• Capitalise Kerala‟s legacy of Kudumbashree

• Resurgent Kerala Loan Scheme

• Janakeeya Pankalithavum Punarnirmanavum

• Livelihood Package

RKLS

130547 persons

benefitted /

Rs. 1114.04

crores distributed

JPP-I

Community-led

engagements

for Disaster

Recovery

LIVELIHOOD REHABILITATION STRATEGY

A

B

C

Addressing the

increased poverty

levels that have

emerged due to

disaster among

women

Addressing and

tapping the new and

emerging economic

opportunities arose

in the recovery

phase

Enhance capacities

of poor people

through livelihood

promotion and

livelihood layering

to reduce

levels of risk and

vulnerability to

future disasters and

to increase

resilience in

livelihood sector

Strategy A - Addressing the increased poverty levels that have emerged due

to disaster among women

LIVELIHOOD PROTECTION

ACTIVITIES

LIVELIHOOD PROMOTION

ACTIVITIES

Cash & Material assistance and temporary

income earning opportunities towards

rehab, repair, replacement of livelihood

assets, improvements through provision of

agricultural inputs, rehabilitating damaged

infrastructure and supporting animal

stocking etc)

Engaging development actors in

LH programming, Social Funds,

Micro insurance. Trainings and

Market services towards diversificat

ion,marketing, strengthening -

collectivization, CFC etc

1. Livelihood Protection Activities in Collective Women Farming :

• Provision of inputs for crop/vegetable planting (including introducing scientific

practices for recovering soil fertility & enhancing productivity)

• Farmer groups who have suffered loss will be given input assistance for restoration of

farm activity.

• Input details: Lime, Organic manure, Seeds (Vegetables seeds kits), Tissue culture

banana suckers, Small Machineries ( Pickaxe, Spade, Hand weeder, Rubber basket,

Hand sprayer), Biocontrol and Biofertilizers like Pseudomonas,Trichoderma,

Azospirillum

Livelihood Protection Activities in Collective Women Farming :

Sl. No. Particulars Quantity Rate Amount (Rs.) Beneficiaries

1 Lime 80 kg Rs.10/kg 800 One JLG comprises an

average of 5 people.

Total no of beneficiaries

in selected districts will

be 45000 farmers/ house

holds.

(9000 JLGs x 5000 = 450

lakhs

2 Organic manure 25 kg Rs. 40/kg 1000

3 Seeds (Vegetables seed

s kits)

10 pkts Rs. 25/pkt 250

4 Tissue culture banana s

uckers

35 suckers Rs. 34/ sucker 1200

5 Small Machineries ( Pick

axe, Spade, Hand

weeder, Rubber basket,

Hand sprayer)

1500

6 Biocontrol and Biofertiliz

ers-

Pseudomonas

Trichoderma

Azospirillum

1 kg

1 kg

1 kg

Rs. 75/kg

Rs.105/kg

Rs. 70/kg

250

SubTotal 5000

2. Livelihood Protection Activities in Non-Farm Micro Enterprises sector :

• Cash & Material assistance to affected enterprises for restoration of working capital

and replacement of lost livelihood assets

Area of activity Units Unit Cost Total Cost

Small Grants /

Livelihood Kits

250 Micro

Enterprises

50,000 1.25 crores

125 Small

Enterprises

1,00,000 1.25 crores

Total 2.5 crores

Livelihood Promotion Activities in Collective Women Farming :

• Livelihood Promotion Activities in the short and long term involves engaging

development actors in livelihood programming, Social Funds, Micro insurance,

Trainings and Market services towards diversification, marketing, strengthening -

collectivization, CFC etc.

1. Livelihood Promotion Activities in Collective Women Farming :

a) Collective farming sector will be scaled up with the inclusion of 10,000 more

women farmers (2100 JLGs) from affected areas for farm livelihood activities.

Mobilized groups will be imparted various trainings on the following areas.

a) Expansion of farm area by bringing about 2500 more acres of land under

cultivation. Existing and newly identified fallow lands in the post disaster

scenario will be identified with the convergence of GPs. Organic farming

practices will be given priority in the newly taken up farm lands.

Expansion / Scale Up

No of JLG Unit cost Total

(In lakhs)

Area

incentive 2000 5000 per

JLG

( Approx)

100

Interest

subsidy 2000 5000 per

JLG

( Approx)

100

200

1. Livelihood Promotion Activities in Collective Women Farming :

c) Formation of Value addition units on various commodities will be encouraged

for entrepreneurship and income enhancement. Through the formation of 300

VA units, nearly 2000 households will be brought into the agri-business sector by

creation of employment opportunities and enhanced income generation

Sl No. Nature of VA Unit No. of units Capital

investment

Total cost

(in Lakhs)

1 Small Scale 200 50000/group 100

2 Medium Scale 100 2 lakhs/group 200

TOTAL 300 300

2. Livelihood Promotion Activities in Livestock :

a) A new livelihood plan – GRQ (Goat, Rabbit & Quail)

b) The schemes for Dairy Units (Ksheera sagaram) and Goat rearing units

(Aadugramam)

c) Value addition units for Dairy Products and Egg Production

A. GRQ (Goat, Rabbit, Quail)

• A new livelihood plan which includes development of rural

livelihood with Goat, Rabbit and Quail rearing.

• A unit of GRQ includes 6 goats, 12 rabbits and 1000 quails.

• Total number of units planned – 100 (Livelihood for 100

families)

• Investment of Rupees 2 Lakh/Unit

• Total fund required is 2 Cr.

• Expected annual Turn Over in one unit is 2.25 Lakhs

•

B.1 Ksheerasagaram

Ksheerasagaram is a project developed by Kudumbashree for

providing employment to NHG members through Dairying, Milk

Marketing and Milk Value addition.

• Dairying is an important source of income to small and micro

farmers.

• Kudumbashree provides capital subsidy of 2.18 Lakhs to the

groups of 5 women to establish Dairy units.

• Total number of units planned-200

• Total fund required is 4.36 Cr.

• Livelihood for 1000 families

B.2 Aadugramam (Goat rearing Support)

The Aadugraamam project is a goat rearing support initiative

conceptualized and implemented by Kudumbashree

• It targets to provide regular source of income to

Kudumbashree members through goat rearing enterprise.

• Kudumbashree provides capital subsidy of 0.5 Lakh to the

groups of 5 women to establish goat rearing unit

• Total number of units planned-600

• Total fund required is 3.0 Cr.

• Livelihood for 3000 families

GRQ / Kheera Sagaram / Aadu Gramam

Programme Details Investment per

unit

Total fund

required

Outcome

Expected

GRQ 100 units

(100x1)

2 lakh 2 crore Livelihood for 100

families

Ksheera Sagaram 200 units

(200 x5)

6.25 lakh 4.36 crore Livelihood for

1000 families

Aadu Gramam 600 units

(600x5)

1.5 lakh 3.0 crore Livelihood for

3000 families

Total 9.36 crore* 4100 families

C.1 Dairy Value Addition

Kerala being a consumer state, have immense potential for

value added Milk products.

• Two sectors of value addition are selected -

• Less Energy intensive Value Addition: Paneer, Whey Drink,

Curd etc.

• High Energy Intensive Value Addition : Chocolates, Milk-

Powder, Ice-creams, Cheese, Condensed Milk etc.

• Total number of units planned – 5

• Investment of Rupees 2.5 Lakh/Unit

• Total fund required is 12.5 Lakh.

• Livelihood for 25-30 families

C.2 Egg Value Addition

Kerala being a consumer state, have immense

potential for value added Egg products.

• Two sectors of value addition are selected -

• Less Energy intensive Value Addition : Packaged eggs

• High Energy Intensive Value Addition : Egg powder, Packed

Liquid egg, Egg based protein food supplements etc.

• Total number of units planned-5

• Investment of Rupees 2.5 Lakh/Unit

• Total fund required is 12.5 Lakh.

• Livelihood for 25-30 families

C.3 Kerala Chicken broiler Insurance scheme-JANANI

• A new insurance scheme for broiler farm

• 50% Subsidy on Premium amount

• Livelihood for 5000 families

• Investment of Rupees 5000/Unit

• Total fund required is 2.5 Cr.

Dairy / Egg Value Addition & Janani

Programme Details Total Investme

nt per unit

Total fund

required

Outcome

Expected

Dairy Value Addition 5 units

(5x3)

2.5 lakh 12.5 lakh Livelihood for

25-30 families

Egg value Addition 5 units

(5x3)

2.5 lakh 12.5 lakh Livelihood for

25-30 families

Janani 5000 5000 2.5 crore Livelihood for

5000 families

Total 2.75 crore* 5060

beneficiaries

3. Livelihood Promotion Activities in Non – Farm Micro Enterprises :

a) Assessing their further need for and securing their access to supplementary

financial and non-financial services to ensure that the businesses are built back

better in terms of management capacity, sustainability and resilience.

b) Community Enterprises Fund (CEF) : It is a dedicated Social Fund provided to

Community Development Societies to give loans to the entrepreneurs on hassle

free terms and conditions. It will also showcase the ability of the community

institution led enterprise capital provisions to demonstrate disciplined credit

behaviour. The purpose of the CEF is to purchase capital goods or diversify/

expand the existing business as per the business need of individual business

enterprise.

c) Up-skilling / Performance Improvement Programmes

3. Livelihood Promotion Activities in Non – Farm Micro Enterprises :

Sl

No

Area of activity Units Unit Cost Total Cost

1 Community Enterprises Fund 90 CDSs 10,00,000 9.00 crores

2 Up-skilling / Performance Impr

ovement Programmes

1,000

units

10,000 1 crores

Total 10 Crores

Strategy B - Addressing and tapping the new and emerging economic

opportunities arose in the reconstruction phase :

1. Skill Development for 13,000 Youth and Women :

2. Green Enterprises : 1,000 Units :

3. Construction Sector :

4. ABC Units :

1 Skill Development for Youth and Women :

• To ascertain the trends in the post flood scenario, conducted a sample survey in the

State aiming at identifying the occupational gaps and skill gaps prevalent in the State.

• Shortage of skilled labour in sectors like Agri & allied services, House keeping, Home

Tuition, Catering, Electronics repair, Electrical works, Carpentry, Plumbing, Geriatric

care, Laundry services, Driving etc.

• 59% of the respondents who are unemployed requested for skill training support either

in wage employment or in self-employment. Among the flood affected unemployed

population, 54% have requested for skill training support.

• Kudumbashree plans to bridge the gaps in the local service requirements through

developing a pool of skilled workers in various sectors by mobilising aspirants from

kudumbashree members and other needy families.

1 Skill Development for Youth and Women :

• Aim : “To train and develop a pool of 50,000 youths from Kudumbashree

families in the age group of 18-35 for achieving sustainable income through

micro enterprises and facilitating jobs in the field of service sectors for a period

of 18 months starting from 1/1/2019”

1 Skill Development for Youth and Women : Skilling in

10 Areas

• Day Care

• Agriculture Works

• Sales team

• Data Entry

• Laundry & Ironing

• House Keeping

• Housemaid

• Plumbing

• Electronic Repair

• Electrical Work

• Implementation :

• Registration @ CDS

• Training will be provide by Accredited Training Agencies, DDUGKY/NULM PI

As, Govt. ITIs, Poly Technique Colleges etc.

• Way Forward :

• Service team (Multi Task Force) in all CDS

• Wage Employment-Tie up with Govt/Private Agencies

• Assistance to start Micro Enterprises

• 1 Skill Development for Youth and Women :

2. Green Enterprises Development

Non bio degradable Waste Management & Green Enterprise

development Project , employing 000 women.

AIM:

• Support & Motivation for starting green activities

• Reduce the quantity of waste generated, Providing various needful

eco friendly services to community and to support people in waste

management activities.

• To provide additional income to Haritha Karma Sena members

OUTCOME

• Direct Employment to 5000 members

• Reducing Health and Environmental issues

• 1000 green micro enterprises

2. Green Enterprises Development

Proposed No: of enterp

rises

1000

Fund assistance for set

ting one enterprise

5,0000/-

Total Fund required 5 Cr

Fund utilization Start-up & Hand holding cost

Fund distribution

criteria

• Must be a Haritha Karma Sena Unit

• Must undergone training through

Kudumbashree

• Must submit a project proposal through

CDS and district mission.

• Evaluation committee will sanction the

amount based on the project.

WASTE

MANAGEMENT

UNITS

SERVICING

UNITS

PRODUCTION

UNITSWATER

AGRICULTURAL

SUPPORT

Plastic collection

& recycling units

LED Sales &

Repairing unitsCloth bag units

Water Conservation

units

Terrace Farming

Units

Composting-

Waste to manure

conversion units

Farming assistance

and Market vendor

Paper bag units Water tank -Well

Cleaning Units

Vertical Farming

Units

Bio waste equipm

ent service and

selling units

Kitchen garden

installing units

Second sale & Up

cycling unitsWell recharging

units

Eco friendly

grow bag

manufacturing

Husk Collection

Units

Green Protocol

Renting Units

Bio Soap and

Toiletries

Water Quality

Testing UnitsBio fertilizer unit

Waste manageme

nt in events/Fairs

Green Event

Management units

Green protocol gift

manufacturing units

Rain water

harvesting units

Farming

assistance units

2. Green Enterprises Development

3. Construction Sector

• It is estimated that the reconstruction in the housing sector will in itself create

numerous livelihood opportunities for the poor.

• As per the PDNA conducted by U.N Agencies, approximately 35 lakh days of work for

skilled masons, 171 lakh days of work for unskilled workers and 9 lakh days for

Painting are required for the construction/housing sector.

• This would not only provide an opportunity to the existing Women Construction

Teams in getting employment but also to upgrade their skills with training

programmes and eventually to create a pool of skilled woman masons who will

ultimately form „Micro Contracting Construction Groups‟.

Total Number of houses under various housing schemes

LIFE PMAY

Sneeha

veedu

PMAY

(Grameen) Asraya

ST

project

Care

Kerala

121 57 4 1 5 28 2

Kudumbashree

Construction Units Total Number

of houses

entrusted

House Construction

Progress

Rural

units

Urban

Units

TOTAL

Units Completed In Progress

251 65 316 218 90 93

• Total construction groups undergoing training at present – 257

• 100 units from these 257 units will be identified with preference

to flood affected Districts

• On-the-Job Training will be provided to these 100 units by

constructing houses under Government housing schemes like

LIFE, PMAY, PMAY (G) etc

• 2 lakhs will be allocated to each unit, as second phase training

(for Training and professional support.) (i.e. Rs.2 Lakhs x 100

units = Rs. 2 Crore)

PALAKKAD – Malampuzha

Block PATHANMTHITTA

Elanthoor Block

KOLLAM Corporation

(Construction of 20 PMAY

houses under progress)

IDUKKI

Kanjikuzhy Block

Construction of LIFE House

4. Pooled fund for ABC Programme

ABC programmes aim to catch street dogs, surgically

sterilize and vaccinate the dogs against rabies and release

them back to the exact location from where they came. The

sterilization of mainly female dogs should be sufficient to

control the population.

All the LSGD‟s are not keeping fund for ABC and it is

very difficult for the units to act on emergency situation

The cost for sterilization of one dog is 2100/- (including

operation, transportation and post operative care etc)

It is proposed to allocate a pooled fund for the ABC

Programme

The Pooled fund/Reserve fund will help the units to act on

emergency situation.

Kudumbashree will identify the hotspot area, The area where

street dog attack continuously happens

4. Pooled fund for ABC Programme

Stretegy C - Enhance capacities of poor people through livelihood

promotion and livelihood layering to reduce levels of risk and

vulnerability to future disasters and to increase resilience in livelihood

sector

1. Start up Village Entrepreneurship Project (SVEP) for sustainable livelihood

development

2. Livelihood Layering - Collectives, Marketing Societies, CFCs in Micro, small and

medium enterprises sector of women to reduce risks and to increase resilience

Obstacles faced in livelihood promotion

• Poor accounting skills

• Lack of business skills – feasibility,

planning, customer handling etc.

• „Herd mentality‟ - business

feasibility not considered while

starting an enterprise

• Lack of peer learning from similar

entrepreneurs

• Lack of hand holding support post

training

• Lack of any platform to support

enterprise development for poor

entrepreneurs

SVEP-Post flood – strategy

Develop non farm based sustainable livelihoods

All-round approach to remove obstacles faced by start-ups

Part of Kudumbashree institutional eco system of NHG-ADS-CDS and using their strengths

Operationalized in a phased manner to create sustainable institution

SVEP-post flood is designed to create a model to help start and support

new enterprises and support the existing ones. It aims to create an

institutional platform to support micro enterprise development of

entrepreneurs from poor backgrounds

1

2

3

Proper enterprise selection, through clear unit level feasibility analysis

Business advisory services through a strong institutional platform of MECs

Simplified process of obtaining enterprise credit

Community managed Credit guarantee fund to promote bank linkage

Fee based business support services provision

Knowledge transfer and exit strategy to be thought out

SVEP-Post flood Approaches

Identification of the project areas

Baseline and DPR

MEC Selection and training

Capacity building of community

institution

Setting up of resource centre

Enterprise formation and

support

General Orientation Training

EDP Training

Viability Check / Diagnostic Check

Domain Skill Training

Business Plan

Credit Linkages – CEF / Bank Loan

Enterprise Registration

Business Accounting Training

Performance Tracking System

Enterprise

Development

Process

Preparatory phase

# Particulars No: of unit Rs in Lakhs Total in Lakhs

A1 Project sensitization 2 1 2

A2 Baseline study 2 0.5 1

A3 DPR preparation 2 1 2

Training phase

B1 Selection and training of MEC 2 10 20

B2 capacity building of the community institutions 2 5 10

Implementation phased

C1 Cost of service/ entrepreneur 2400 0.10 249.48

C2 Training of community institution 2 5 10

C3 Setting up of Resource centre 2 7 14

C4 Mentor support 2 6 12

C5 CIF 2 300 600

D1 Admin cost 80

Grand total 1000.48

2. Collectivization, clustering & value chain development

• Identifying and selecting existing focus sub-sectors or clusters of products

based on consumer preferences, financial viability, scope of expansion,

volume of production, and number of entrepreneurs.

• Identifying and selecting new sub-sectors exhibiting employment growth and

future growth potential through assessment studies

2. Collectivization, clustering & value chain development

• Scaling up enterprise activities in the selected sectors attempting to bring economies of scale and greater

focus for facilitation and handholding support by:

– Technical assistance for developing package of practices to improve product design, for product

diversification, and increasing productivity

– Facilitating institutional tie-ups for infrastructure, and marketing support

– Technology enhancement for building competitiveness of enterprises in terms of costs and designs

– Building capacities of entrepreneurs to adopt new technologies

– Introducing enterprises around logistics support to link products with available markets

– Developing basic infrastructure to facilitate productivity enhancement, value addition, market access

, compliance with accreditation systems – food quality, hygiene and safety standards as well as socia

l and environmental standards that may be demanded by specific markets or buyers

– Developing Common Facility Centres for value addition and packaging either by converging with existi

ng infrastructure or through direct project finance

2. Collectivization, clustering & value chain development

• Assistance in developing new mechanisms / strengthening existing mechanisms for

handholding of entrepreneurs, preparation of business plans, linkages for financial

assistance, and diagnosis of business problems

• Imparting performance improvement trainings for existing women entrepreneurs inclu

ding maintenance of books of accounts and complying with legal and statutory

formalities

• Setting up of an incubation centre to pilot new technologies and techniques in

production and implementing them on the field

• Designing, developing, and establishing retail outlets for product warehousing and

retail sales in selected blocks in convergence with LSGs

2. Collectivization, clustering & value chain development

Area of activity Units Unit Cost Total Cost

1 Collectives, Marketing Societies, CFCs 14

Districts

50,00,000 7 crores

TOTAL BUDGETNo Particulars Amount

I Immediate Livelihood Protection Activities

1 Agri Inputs & Implements to JLGs in affected Districts 4.5 crores

2 Small Grants / Livelihoods Kits to affected Micro Enterprises 2.5 crores

II Short Term Livelihood Promotion Activities

3 Collective Farming - Expansion of Farm Area / Value Addition / Area Incentive 5 crores

4 Livestock – GRQ, Dairy Units, Value Addition of Dairy units, Kerala Chicken etc 12 crores

5 Micro Enterprises promotion – CEF 10 crores

III Addressing and tapping the new and emerging economic opportunities

6 Skill Development 13 crores

7 Green Enterprises 5 crores

8 Construction Sector 2 crores

9 ABC Units 4 crores

IV Long Term Livelihood Development Initiatives

10 SVEP in two most affected Blocks 10 crores

11 Livelihood Layering - Collectives, Marketing Societies, CFCs 7 crores

GRAND TOTAL 75 crores