celebrating development · nabard has been in the forefront of various activities to further...
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Celebrating Development
NABARD has been in the forefront of various activities to further agriculture and rural development. NABARD’s activities impact the lives of the rural populace either directly or indirectly. I am glad that the NABARD Karnataka Regional Office has thought it appropriate to bring out the success stories from these interventions in the form of a book. I am sure that this book will act as an inspiration to all stake holders of agriculture and rural development.
I congratulate NABARD and its partners in their endeavour and wish them success.
T M Vijay Bhaskar I.A.SChief Secretary
Government of KarnatakaBengaluru
11 February 2020
Foreword
Promotion of ‘best practices’ is one of NABARD’s key activities. We wish such examples act as ‘Light Houses’ powering hope and prosperity. Promotion of best practices is possible only through partners, who are so integral for our existence. We Choose and cherish such partners who see the big picture and execute the projects with precision. This is a collection of 51 best practices from across Karnataka. We thank the communities and partners who gave us an opportunity to touch their lives and enrich ours.
P.V.S. SuryakumarNABARD
Karnataka Regional OfficeBengaluru
11 February 2020
Foreword
What’s Inside?
Cooperatives
05,41,57,59,63,71,81,97 & 103
Women Development
15,47,61,75 & 87
Farmers Collectives
21,67,73,79,85,89,91& 101
Climate Proofing
17,23,35,37,45,51,53,65 & 95
Farm Sector Development
11,19,31,39,55,93,99 & 105
Rural Infrastructure Development
09,33 & 69
Off Farm Sector development
07,27,43 & 77
Orchards & Tribal Development
13,25,29,49 & 83
One-Stop Shop:A bubbling
cooperative
The Kula village branch of Idkidu PACS was functioning from a small rented building with limited facilities. The profitability of the PACS was under stress.
Domestic purchase needs are located 10 km. away.
THE CHALLENGE
THE SOLuTION
The Idkidu PACS had a small piece of own land in Kula village and also had the ‘Building Reserve Fund’.
It availed PODF loan of ` 59.03 lakh from NABARD to construct a building complex housing banking transaction hall, godowns, shops and training hall.
Started new business activities in the areas of produce financing, agri inputs supply, farm implements hiring, consumer stores, areca procurement centre etc.
THE INITIATIVETransforming Primary Agricultural Cooperative Societies into a Multi Service Society
THE BENEFICIARIES 3,500 farmer members of PACS
THE DISTRICTDakshina Kannada
THE IMPACT
The PACS building now houses two
260 MT godowns and provides pledge
loan facilities, storage facilities, farm
equipment hiring services, runs a
consumer store, Jan Aushadhi Kendra etc.
As a result, the trading profit of the PACS
which was a mere ` 6.67 lakh in the year
2014-15, rose to ` 23.03 lakh, during the
year 2018-19 (245% increase). Further,
the gross profit of the PACS which was
` 48.33 lakh in 2014-15 has reached
` 100.86 lakh in 2018-19
(109% increase).
05
Skilling for Livelihoods
High school drop-outs among rural youths.
Most of them are unskilled.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned ` 2.83 lakh to Ashadeep Training Centre to impart skills in Computer (Basic and Advanced level) and Spoken English.
Exposure visit to Bagalkote and Belgaum to understand about the opportunities available, banking facilities, placement opportunities, marketing linkages etc.
THE INITIATIVESkill Development Programme under Gramya Vikas Nidhi
THE BENEFICIARIES Local youth of Ilkal village of Hungund taluk
THE DISTRICTBagalkote
THE IMPACT
Youth gained self-confidence to
lead a decent life in the society.
They were either employed or
self-employed.
Initial monthly earnings were around
` 10,000/-
07
Bridges to Prosperity
Mantralayam in Kurnool district of Andhra Pradesh is an important pilgrimage destination for people in Karnataka.
The old bridge across river Tungabhadra was washed away in October 2009 due to heavy flood.
The temporary makeshift arrangement was causing inconvenience to many.
New bridge with alignment risks - 14 sections of 40m length, 12m width and 9.5m height weighing 1400 MT.
THE CHALLENGE
THE SOLuTION
NABARD provided loan assistance of
` 31.60 crore to State Government under RIDF.
The Bridge, using German technology, was built by Karnataka Road Development
Corporation Ltd. at a cost of ` 43 crore.
The bridge is 600 metres in length and 12 metres width.
THE INITIATIVERural Infrastructure Development Fund (RIDF)
THE BENEFICIARIES People who commute from either side of the bridge
THE DISTRICTRaichur
THE IMPACT
The first ever steel bridge in Karnataka.
Commuters to Mantralayam are now
travelling at ease.
Farmers and rural people are benefited for
comfortable connectivity.
Besides linking Mantralayam, it provided
better connectivity between Raichur to
Bellary, Adoni and Kurnool.
09
Tenant Farmers too can prosper
Many vegetable growers of the village do not have a clear land title deed. Thus, access to institutional credit is very limited.
Most of them are small and marginal farmers, having very limited financial resources for cultivation.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned JLG bank linkage project to Udupi Zilla Thotagarika Belegara Sangha
with grant assistance of ` 2,000/- for each JLG bank linkage.
Joining hands with the banks to conduct interactive sessions for sensitising them on genuine credit needs of the farmers and chalking out JLG mode of credit support to them.
THE INITIATIVEFormation and linkage of Joint Liability Groups (JLGs)
THE BENEFICIARIES 118 small and marginal farmers of Benegal village
THE DISTRICTUdupi
THE IMPACT
Banks extended loans to 21 JLGs of
` 58 lakh for vegetable cultivation
involving 118 FPO members.
Farmers could get quality inputs in time.
All the loans were repaid in time and
all of them availed loans for the
subsequent years.
11
Blooming Orchards
High rate of environmental degradation, resulting in low productivity and low income.
Broad disconnect between tribals and the mainstream population.
Urban migration due to uncertain rainfall, food scarcity and lack of basic amenities.
THE CHALLENGE
THE SOLuTION
NABARD extended assistance to VIKASANA for an integrated tribal development project in 2011.
Introduction to Wadi development and other income-generation activities.
Support given for organic cultivation, exposure programmes and marketing of produce.
THE INITIATIVEIntegrated Tribal Development
THE BENEFICIARIES Tribals of Koppa and Sringeri, Chikmagalur district, Karnataka
THE DISTRICTChikmagalur
THE IMPACT
409 Wadis with fruit crops and forestry
plants by many tribal families.
16 Women Self-Help Groups, 49 Village
planning committees and 2 Cluster-level
committees formed to support them.
Carpentry, tailoring and petty shops
provide alternate sources of income.
Migration in project area has reduced.
A stable source of income has been
assured through Wadis and the quality
of life in terms of health, education of
children, etc. has improved.
13
Rags to Riches
Traditional occupation of Samagara Community is chappal making and repairing – Majority of them are destitute.
Poor resource base, illiterate, landless, beneficiaries were scattered.
No access to credit, indebtedness and migration.
Mobilising them into groups and convincing them about the SHG concept was challenging.
THE CHALLENGE
THE SOLuTION
Under NABARD microfinance scheme, District Central Cooperative Bank, Bidar was sanctioned SHPI project to promote and credit link of SHGs with DCCB.
Capacity building and training on SHG concepts.
Exposure visits for cross learnings on savings and potential economic activities.
THE INITIATIVESelf-Help Group Bank Linkage Programme
THE BENEFICIARIES SHG Women of Samagara Community (Chappal making community), Basavakalyan taluka
THE DISTRICTBidar
THE IMPACT
Savings concept introduced among them.
SHG members availed loan for their
children’s education and housing.
Understood the importance of group
dynamics.
Availed multiple bank linkage and
repaid 100%.
Came out of abject poverty. Quality
chappal making is now sustainable income
generating group activity.
15
Climate Proofed Villages
Soil erosion, poor soil fertility and alarmingly low groundwater level.
Salinity and fluoride content.
Low level of farming technology.
Indebtedness and migration.
THE CHALLENGE
THE SOLuTION
NABARD extended grant assistance of
` 1.45 crore on 08 January 2013 to Priyadarshini, NGO for an integrated watershed development project.
Farmers were trained in new and scientific methods of farming.
New livelihood options provided for identified beneficiaries.
Support given for organic cultivation.
Exposure programmes and marketing of produce.
THE INITIATIVEWatershed Development under Watershed Development Fund
THE BENEFICIARIES Villages of Kurahatti & neighbouring villages of Ron Taluk
THE DISTRICTGadag
THE IMPACT
5,000 Ha treated for soil erosion and
water management.
Positive impact on the lives of
285 beneficiaries.
Recharge of groundwater level and
improved soil fertility.
Urban migration checked.
26 livelihood activities for alternate
sources of income.
17
Farmers’ Delight
Flood irrigation in cultivation of paddy.
Saturation in yield levels.
Beliefs on more than appropriate use of fertilisers and pesticides.
Rise in market prices not commensurate with cultivation cost.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned loan cum grant
assistance of ` 2.53 crore (in two phases) to Sajjalalshree, NGO, for application of SRI method of paddy cultivation.
Precision use of water.
Improved technologies in nursery bed formation and replanting with appropriate spacing.
Shift to organic fertilisers and pesticides.
THE INITIATIVEPropagation of System of Rice Intensification (SRI) under Umbrella Programme for Natural Resource Management (UPNRM)
THE BENEFICIARIES Farmers in Lingsugur block
THE DISTRICTRaichur
THE IMPACT
Substantial increase in rice yield. 50-52
bags per acre (an average increase of
about 40%).
Savings in seeds, water and labour.
Increase in farm earnings by about 50%.
Reduction in risk associated with
agriculture.
Fertile soils, healthier plants, environment
friendly agriculture.
19
Gulla Gallops - Farmers’ Collectives
‘Mattu Gulla’ is a premium brinjal variety appreciated by connoisseurs.
Though ‘Mattu Gulla’ receives premium market price, the growers were getting about 15% of the consumer price.
Production was slipping down on account of lack of market support.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned ` 9.06 lakh for formation of FPO.
Collectivisation of farmers and aggregation of produce need was taken up.
THE INITIATIVEFarmer Producer Organisation
THE BENEFICIARIES 200 small and marginal farmers
THE DISTRICTUdupi
THE IMPACT
Mattu Gulla Belegara Sangha was formed
under Karnataka Society Registration Act,
1960. Equity mobilised ` 2.40 lakh.
` 85 lakh turnover was achieved.
By organising the farmers in the form
of FPO, the produce (mattu gulla) is now
collectively procured from farmers,
sorted, graded and properly packed.
The produce now command better price in
the market, thereby the farmers are now
realising 45% of the consumer price.
21
Onions and Prosperity
Degraded soil - saline and alkaline conditions.
Limited vegetative cover.
Drought for the past nine years.
Low rainfall.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned grant assistance of
` 187.15 lakh for climate proofing adaptation measures including rehabilitation of degraded soils during January 2017.
Soil treatment - deep ploughing, summer ploughing, tank silt application, usage of farm yard manure.
Groundwater recharge through recharge pits
Introduction of drought-resistant varieties with water budgeting.
Alternate livelihood micro enterprises.
THE INITIATIVEWatershed Development - Soil & water conservation activities
THE BENEFICIARIES 1,031 farmers of Challakere taluk
THE DISTRICTChitradurga
THE IMPACT
Onion productivity jumped from 50 to 80
quintal per acre.
Increase in groundnut yield from 4 to 5
quintals per acre, strong nuts with more
oil content.
Reduced weeds because of mixed
cropping.
75 landless women became self-
employed. SHGs formed and credit
linked - ` 47 lakh.
Formed Farmer Producer Company.
23
Fruits of Labour
Intermittent and erratic rainfall led to either crop failure or low crop yields.
Poverty, illiteracy and social backwardness.
Migration due to unemployment.
THE CHALLENGE
THE SOLuTION
"Wadi Development Approach’ under NABARD TDF to MOTHER, NGO.
Integrated farming and livestock management through UPNRM fund.
Capacity building to adopt improved technologies.
Empowerment of women and landless through income-generating activities.
THE INITIATIVEFinancing under Tribal Development Programme / Umbrella Programme on Natural Resource Management
THE BENEFICIARIES 1,000 Tribal families in the villages around Rangasamudra, Pavagada Taluk
THE DISTRICTTumakuru
THE IMPACT
Improvement in crop productivity by 30%.
Insulated the farmers from the vagaries of
monsoon through Integrated farming.
Trench cum bund implemented under the
project saved the forestry seedlings and
WADI plants.
A registered society of farmers (Madakari
Souharda Co-operative Limited) was
established – Annual average turnover
` 50 lakh.
25
Off Farm Sector – Weaving Success
Unskilled, semi-literate women from unorganised sector.
Indebtedness and migration.
Kasuti, centuries-old hand-embroidery, has the potential to provide decent employment.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned a Livelihood Entrepreneurship Development Program to IDF SHG Federation for imparting skills on Kasuti Hand Embroidery in November 2018.
Entrepreneurship Development inputs viz., market survey, pricing, quality check, etc.
THE INITIATIVESelf-employment through Kasuti Weaving
THE BENEFICIARIES Women SHGs of Dharwad Taluk
THE DISTRICTDharwad
THE IMPACT
90 women gained self-employment.
Buyback tie-ups arranged with leading
fabric companies.
Formed Off-Farm Producers Organisation
to tap the niche national and international
market.
27
Sustainable Livelihood
Marginal landholding and degraded lands.
Mono-cropping.
Poverty and unemployment.
Migration of labour.
Exploitation by moneylenders.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned grant assistance of ` 409.953 lakh to Sajjalashree, NGO for tribal development under TDF.
Introduction of WADI culture agro-horti system for sustainable income and employment.
Livelihood activities support to landless and women.
Formation of village committees and their capacity building initiatives.
THE INITIATIVETribal Development Fund
THE BENEFICIARIES Tribal families of Lingsugur block
THE DISTRICTRaichur
THE IMPACT
Sustainable livelihood for 635 tribal
families. 15 to 20 per cent increase in
income - adopting to WADI culture.
Improvement of soil fertility and
productivity through organic cultivation.
Substantial increase in green cover.
Reduced migration.
Formation of Farmer Producer
Organisation.
29
Regenerative Agriculture
Mono cropping - degraded soils.
High groundwater exploitation - drought.
Fodder scarcity.
Migration, malnutrition, poor education.
Exploitation by moneylenders.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned ` 2.80 crore as grant for developing five watershed clusters to ORDER, NGO.
Land treatment for integrated soil & water conservation activities.
Training & capacity building of watershed community.
Integrated farming system.
Promotion of community-based organisation like SHG, FIG, JLG, FPO and VWC.
THE INITIATIVESustainable Development Initiative in Watershed area
THE BENEFICIARIES Farmers of Gandesi Hobli, Arsikere Taluk
THE DISTRICTHassan
THE IMPACT
Remarkable increase in groundwater table.
Around 15% of wasteland converted to
cultivable land.
Change in cropping pattern from mono
crop to diversified crops.
Social Developments - Women
empowerment, improvements in health,
nutrition and sanitation, reduction in
school drop-outs, access to higher
education for children, reduction of
migration and less dependence on
moneylenders.
31
Growth through Tourism
Removing the silt from the lake.
Making the area attractive for tourists.
Supply of water for the lake.
Construction of bund and approach road and other infrastructures.
THE CHALLENGE
THE SOLuTION
NABARD financed to the extent of ` 50 lakh for development of tourism.
Approach road to Basaveshwara Statue in Bhishma Lake, Gadag under Rural Infrastructure Development Fund (RIDF).
THE INITIATIVEDevelopment for Bhisma Lake - water conservation - Tourism
THE BENEFICIARIES People in and around Gadag
THE DISTRICTGadag
THE IMPACT
Radical change in scenario in the area –
attractive tourism spot.
Self-employment generation and business
for tour transport operators, guides,
vendors etc.
Recharge of groundwater in nearby
borewells.
33
Raising Greens on Gravel
Soil - shallow-to-moderate rooting depth, gravelliness, low-to-moderate water storage, poor fertility, partly saline and alkaline.
Scanty rainfall, delayed monsoon – high farm risks.
Low productivity – demotivated farmers.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned grant assistance of ` 199.38 lakh to NISARGA under Climate proofing project for treating around 826 acres of farmland.
Soil treatment - deep ploughing, summer ploughing, tank silt application, usage of farmyard manure.
Introduction of drought-resilient crop varieties and water budgeting.
Groundwater recharge through recharge pits, retention of soil moisture.
Micro enterprises among women and landless for alternate livelihood.
THE INITIATIVENABARD KfW assisted soil & water conservation, soil health improvement activities
THE BENEFICIARIES Farmers of Bagur and neighbouring villages Hosadurga Taluk
THE DISTRICTChitradurga
THE IMPACT
25% increase in the crop yield.
Shift in cultivation – from maize to
minor millets.
Self-employment to 175 farmers through
livelihood programmes.
Planting trees on bunds - enhancing
green cover.
Formation of Farmer Producer Company.
35
Climate Resilient Agriculture
Difficult terrain coupled with lack of awareness on soil and water conservation.
Lack of social awareness in terms of health and sanitation.
Seasonal migration, lack of access to formal financial institutions and low technology adoption.
THE CHALLENGE
THE SOLuTION
NABARD extended assistance to VIKASANA for watershed development project in 2010.
Introduction to soil and water conservation Structures and other income generating activities.
Exposed to climate proofing and climate resilient agriculture through climate adaptation and mitigation process.
Micro enterprises among women and landless for alternate livelihood.
THE INITIATIVEWatershed Development under Watershed Development Fund
THE BENEFICIARIES Farming Community of Begur Village and surrounding areas, Chikmagalur district, Karnataka
THE DISTRICTChikmagalur
THE IMPACT
Improvement in groundwater level and
soil quality.
Increase in crop yield by 10 to 15%.
Increase in income due to agriculture
allied activities. Additional income of
` 12,000 /- per month.
Access to formal financial institution for
savings and credit.
37
Adapting Lives to Climate Change
Unpredictable weather conditions - crop loss due to floods or drought.
Mono cropping - low level of technologies - High cost of cultivation.
Poor water management.
Inadequate water supply for tail-end regions of Tungabhadra Irrigation project.
Improper application of chemical fertilisers and pesticides.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned ` 2.50 lakh to Faiz Foundation for creating farm models on Integrated Farming Systems (IFS).
Introduction of healthy crop mix.
Shift to low water intensive crops and practices and introduction of micro water management techniques.
Optimisation of inputs use – seeds, fertilisers and pesticides.
Integration of farming activities and agriculture allied activities.
THE INITIATIVETechnology Transfer under Farm Sector Promotion Fund (FSPF)
THE BENEFICIARIES Farmers of Sindhanur block
THE DISTRICTRaichur
THE IMPACT
3 successful models of IFS activities had
been established, in three villages.
These models incorporated host of farm
and allied activities - Inspiration for other
farmers to adopt.
Sustainable livelihood, even during the
crop failures - Insulation from farm risks.
39
Cooperate and Succeed
The society was functioning in a very old premises.
It required infrastructure like office building, godown and shopping complex for enhancing business.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned ` 40.70 lakh under PODF.
Grant assistance of ` 2.05 lakh was provided for capacity building of the society.
THE INITIATIVEFinancing PACS to become Multi Service Cooperatives
THE BENEFICIARIES Kulali PACS in Mudhol Taluk
THE DISTRICTBagalkote
THE IMPACT
The society now has a decent good-
looking office building, computers, strong
room, 300 MT godown and shopping
complex.
The society on its own established a pure
drinking water unit for the villagers
@ ` 2/- per twenty litres of water.
Annual profit of the society increased
from meagre ` 0.70 lakh to ` 25.62 lakh.
Loans o/s increased from ` 332.60 lakh to
` 1,532 lakh.
The society is also number one in the State
to start ‘Nandini Milk Parlour’.
41
Rural Marts
Lack of marketing opportunities.
Imparting modern marketing techniques like branding, packaging, standardisation etc.
Disintegrated production centres.
THE CHALLENGE
THE SOLuTION
NABARD provided grant assistance of ` 2.43 lakh to Spandana to set up a rural mart for selling the finished products.
SHG women were trained on consumer connect of their products.
Wide publicity for the SHG women produced quality products.
THE INITIATIVEMarketing support - outlet for SHG to sell their finished products
THE BENEFICIARIES Women SHG members from villages in Gadag, Karnataka
THE DISTRICTGadag
THE IMPACT
Average annual turnover so far
` 13.50 lakh.
Sustainable livelihood had been achieved
for the SHG members.
Family income almost doubled.
Lifestyle changed.
Socially and economically empowered.
43
Catch the Water where it falls
Crop losses due to erratic rainfall and prolonged dry spells.
Difficulties in maintaining livestock – low milk yield.
Migration of landless people.
High incidence of soil erosion – declining soil fertility.
Inadequate potable water.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned grant assistance of ` 148.79 lakh to SPEECH, NGO for watershed development and climate proofing works.
Capacity building of Village Watershed Committee.
Planting of forestry and horticulture based plants in the watershed area and income generation activities to landless farmers.
THE INITIATIVEWatershed Development and climate proofing under Watershed Development Fund
THE BENEFICIARIES Farmers of Nagathihally and neighbouring villages of Hosadurga Taluk
THE DISTRICTChitradurga
THE IMPACT
Rise in water table - recharge of open
wells and borewells.
Change in cropping pattern – from maize
to pulses and millets.
Increase in farm productivity by 20%.
Improvement in soil health.
Livelihood for women and landless –
reduction in migration.
45
Small Enterprises – Big Achievements
Rainfed agriculture - Frequent drought.
Marginal landholding and degraded lands.
Low level of industrial development.
Unemployment and poverty.
Influence of moneylenders.
THE CHALLENGE
THE SOLuTION
NABARD provided grant assistance to Manvi Pattina Souharda Sahakari Bank Ltd to promote JLGs.
Developing alternative skill-based livelihoods through credit support.
THE INITIATIVEPromotion of Joint Liability Groups (JLGs)
THE BENEFICIARIES Members of 500 JLGs
THE DISTRICTRaichur
THE IMPACT
Self and wage employment to
500 families.
Improvement in social status –
Change in lifestyle.
100% loan repayment.
Reduction in migration.
47
Sweet Harvest
Increasing barren land due to drought.
Exploitation of middlemen - low level of income despite good harvest.
Poverty and social inequalities - declining health and sanitation.
Migration due to unemployment.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned grant assistance of ` 326.41 lakh under TDF to ORDER, NGO.
Grant assistance of ` 9.06 lakh and ` 2.58 lakh for formation of FPO and Rural Mart respectively.
Implementation of Wadi concept among tribal families.
Capacity building to adopt improved technologies.
Empowerment of women and landless through income-generating activities.
THE INITIATIVETribal Development Programme, formation of Farmer Producer Organisation and establishment of Rural Mart
THE BENEFICIARIES Around 700 farmer families of Sira Taluk
THE DISTRICTTumakuru
THE IMPACT
Sustainable livelihood had been
established for 700 tribal families.
Kasthuri Rangappa Nayaka Farmer
Producer Company had been established
with 905 members.
Production and procurement of mangoes,
cashew, tamarind and coconut etc.
Average annual turnover ` 50 lakh.
Establishment of Rural Mart had helped
farmers for direct marketing and higher
returns.
49
Thippanahalli
Lack of awareness on conservation of water & soil; its impact on income generation.
Migration and its economic and social impacts.
Lack of access to formal financial institutions and low technology adoption.
THE CHALLENGE
THE SOLuTION
NABARD extended assistance to Janaspandana for watershed development project in 2010.
Construction of soil & water conservation structures, social ban on tree felling and free grazing.
Adoption of good agricultural practices; stress on soil health analysis.
THE INITIATIVEWatershed Development under Watershed Development Fund
THE BENEFICIARIES Farming Community of Thippanahalli Village and surrounding areas
THE DISTRICTChikmagalur
THE IMPACT
Improvement in groundwater level.
Cultivation of drought-resistant crops.
Practice of Integrated Nutrient
Management and Integrated Pest
Management.
Increase in income due to agriculture
allied activities. Farmers generate an
additional income of ` 12000 /- per
month.
Access to formal financial institution for
savings and credit.
51
Climate Smart Agriculture
Dry land farming and subsistence agriculture for livelihood.
Mono cropping.
Short supply of animal fodder.
Low level of technology.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned grant assistance to Sajjalashree, NGO, for soil fertility management.
Formation of land user, village watershed and climate change committees.
Promotion of climate resilient crops and its related agronomic practices.
Guidance for organic/integrated farming and water conservation borewell recharge structures.
Livelihood activities for landless and women.
THE INITIATIVEProgramme on improving soil fertility and water conservation (KfW soil project)
THE BENEFICIARIES Farmers of Advibhavi and neighbouring villages of Gangavathi Taluk
THE DISTRICTKoppal
THE IMPACT
3 different models for climate resilient
agriculture practices developed.
Income of farmers is increased.
Employment generation reduced
migration.
Improvement in green cover.
Recycling of farm waste to organic
fertilisers.
53
Yellow Gold
The traditional turmeric cultivation requires around 750 to 800 kg of seeds for 1 acre.
Very costly cultivation. But, with low yield.
On account of low curcumin levels in the rhizome, the market price for turmeric was low.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned grant assistance of ` 4.73 lakh to KVK, Haradanahally under Farm Sector Promotion Fund.
Minimised seed rate per acre. Instead of using the entire rhizome, a piece of rhizome with at least 02 nodes is used as a seed.
Introduction of 2 new high-yielding varieties of seeds viz., Alleppy Supreme and Pratibha.
Spacing between the plants for better rhizomes growth.
Intercrops such as Bullet Mirch & Redgram.
THE INITIATIVEProductivity Enhancement - Rapid Multiplication of Turmeric
THE BENEFICIARIES Turmeric Farmers of Chamarajnagar district, Karnataka
THE DISTRICTChamrajnagar
THE IMPACT
Seed requirement cost was reduced
by 75%. Farmers saved around
` 10,000 per acre.
Productivity increase per acre registered
between 25% and 30%.
Curcumin levels were improved and
farmers could get enhanced price
realisation by 20%.
55
Cooperatives – the Pillars of Strength
Limited resources.
Low level of business – Exploitation of farmers by moneylenders.
THE CHALLENGE
THE SOLuTION
NABARD extended assistance to PCARDB, Siruguppa for on-lending to farmers for farm mechanisation and dairy activities.
Capacity building of staff.
THE INITIATIVEDevelopment of Primary Cooperative Agricultural and Rural Development Bank as Multi Service Centre
THE BENEFICIARIES 3,255 member farmers in Siruguppa Taluk
THE DISTRICTBellari
THE IMPACT
On-lending activities generated additional
income to farmers.
Better recycling of funds enabled profit
earnings almost by 40%.
Skill training to PCARDB staff has enabled
good banking services for the farmers.
Improvement in PCARDB’s image among
the farmers and general public.
57
Expanding Horizons
Weak financial position of the society.
Restricted business operations - crop loans and Public Distribution System activities.
Inadequate credit services to members.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned loan assistance of ` 33.30 lakh under Producer Organisation Development Fund.
THE INITIATIVEDevelopment of Primary Agriculture Cooperative Societies as a Multi-Service Centre
THE BENEFICIARIES Members of Noolvi PACS and residents of nearby villages of Hubli Taluk
THE DISTRICTDharwad
THE IMPACT
Facelift to the society attracted new
customers.
Loan business rose from ` 20.00 lakh to
` 2.00 crore.
Turnaround from losses in 2015-16 to
profit of ` 9.26 lakh in 2018-19.
Diversification of loan portfolio - rural
housing, dairy farming, SHGs, tractors,
power tillers etc.
59
Flavors
Integration of SHG members to income- generating activities.
Difficulties in bank credit linkage.
Marketing of homemade products.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned grant assistance of ` 2.43 lakh to Kodagu’s Nature's Best Food Cluster.
Forming clusters of JLGs viz., Food cluster, dairy, vegetable, poultry, piggery, apiculture, etc.
Capacity building programmes and enabling food production certificate.
Participation in melas/exhibitions.
Credit linkage Syndicate Bank - `148 lakh.
THE INITIATIVEBringing women folk together for commencing income-generating activity
THE BENEFICIARIES Joint Liability Groups in Virajpet Taluk, Kodagu District
THE DISTRICTKodagu
THE IMPACT
Started with 15-member group -
expanded to 554 members and formed
cluster-based JLGs.
Average monthly turnover of Rural Mart
` 2 lakh.
Surge in socio-economic status of the
cluster members.
Generated direct and indirect wage
employments.
Establishment of brand name 'FLAVORS'.
61
Persevere and Succeed
In 2007-08, the accumulated losses of the bank was ` 4,721.03 lakh.
The real and exchangeable value of the owned funds was ` (-)3,802.83 lakh.
The NPA was 95.10%. The net margin was as low as (-)9.07%.
Deposits outstanding ` 4,655.44 lakh. The bank has the challenge of establishing confidence among the present and future depositors.
THE CHALLENGE
THE SOLuTION
Regular review meetings on turnaround strategies, for ensuring steady progress.
SHG bank linkage programme grew 10 times
Good governance adopted by the president and members of BoD. Zero tolerance to loans slipping into Non-Performing Assets.
Increased share capital contribution from client institutions by ensuring operation efficiency.
THE INITIATIVETransformation of Kolar District Central Cooperative Bank into a strong and vibrant bank
THE BENEFICIARIES The clients of the bank
THE DISTRICTKolar
THE IMPACT
The bank gained positive net-worth of
` 527.73 lakh in 2014-15.
Wiped out the accumulated losses in
2018-19 by posting profit of ` 40.92 lakh.
From 2008-09 to 2018-19, the share
capital increased by 897%. Deposits rose
by 596%.
NPA came down to 3.20 %. Net margin,
scaled up to 0.51%.
Capital Adequacy Ratio, reached the level
of 11.19%.
63
Waddarala
Vagaries of nature - either severe drought or heavy flood year after year.
Migration, depletion of groundwater, undulating landscape.
Degradation of natural resources, low productivity and fodder scarcity.
Land dispute, land encroachment, open grazing.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned BAIF with grant assistance of ` 49.34 lakh for Climate Change Adaptation Project in the year 2017.
Soil and water conservation measures - Trench-cum-bund (TCB), excavation of farm ponds, check dam repairs.
Productivity enhancement techniques. multiple cropping.
Livelihood for landless - SHG Bank Linkage.
Convergence with line departments.
THE INITIATIVEWatershed development works under Watershed Development Fund
THE BENEFICIARIES 500 farmers of Waddarala village of Chikkodi taluk
THE DISTRICTBelagavi
THE IMPACT
Water harvesting - 13 dried open wells
got recharged. 40 acre horticulture and
forestry plot developed.
Improvement in soil health - improved
income from 15% to 20%.
Drought resilient and short duration
varieties yield increase by 2 quintal
per acre.
Mixed cropping - increased income to
around 300 families.
Fodder development in 75 acres -
increase in milk yield.
65
Tamarind brings Smiles
Rainfed agriculture – erratic rainfall and high surface run off.
Poor resource base, illiteracy, fragmented lands, low productivity.
No access to better markets – no remunerative prices.
Indebtedness and migration.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned formation of FPO to RIDA, with grant assistance of ` 9.06 lakh.
Building skills and knowledge on adoption of low cost technologies for water efficient crops.
Aggregation of produce, processing (value addition), packing and marketing directly to consumers.
Linkage with financial institutions - working capital support from NABKISAN ` 6.00 lakh.
Participation in various National/International/State/District level Exhibitions/Melas.
THE INITIATIVEFormation of Farmer Producer Organisations
THE BENEFICIARIES Farmers of Ramapura Hobli, Kollegal Taluk
THE DISTRICTChamarajnagar
THE IMPACT
Ramapura Farmers Producer Company
Ltd., with 485 farmers mobilised share
capital of ` 4.85 lakh.
Established brand image for tamarind
and millet products. Yearly average input
supply business ` 5.00 lakh.
Aggregation of farm produce and link
to markets – Yearly average turnover
` 20 lakh.
Introduction of new method of cultivation
in turmeric, increase in the area under
sambar onion cultivation. Incremental
income to farmers by 30%.
Direct market linkage for maize crops with
merchants – delinking middlemen.
67
Path to Prosperity
The link road between Kodalasangam Mahadwar to Kodalasangam Temple was in depleted condition.
The other link road was 10 km. longer.
Kodalasangam a holy place has the tourism potential.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned ` 396.00 lakh under RIDF.
Double lane smooth black top road had been established.
THE INITIATIVETourism Project under Rural Infrastructure Development Fund
THE BENEFICIARIES Koodalasangam Village in Hungund Taluk
THE DISTRICTBagalkote
THE IMPACT
Travel time to reach Koodalasangam
had reduced.
Footfall of pilgrims to temple had
increased.
Increased job opportunities to local tourist
operators, guides & vendors.
Increased revenues to village panchayat.
69
Water – The Elixir of Life
Chitguppa and its surrounding villages were not getting safe potable water.
The society was looking for alternative business with a social cause.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned ` 19.47 lakh as loan under PACS as MSC to start RO plant with ` 1.25 lakh grant.
THE INITIATIVEFinancing PACS to become Multi Service Cooperatives
THE BENEFICIARIES Chitguppa PACS
THE DISTRICTBidar
THE IMPACT
Chitguppa and the surrounding villages
have safe potable water at affordable
price.
The society could provide employment
to people.
Many PACS and other units replicated this
model in their area.
The society is earning handsome profit
from this plant.
The client base of the society had
increased after the introduction of RO
plant in their premises.
71
Farmers’ Collectives
Rainfed agriculture and erratic rainfall.
Poor resource base, illiteracy, fragmented lands, low productivity.
Middlemen exploitation.
No access to better markets - no remunerative prices.
Low level of technologies.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned grant assistance of ` 7.84 lakh for forming and nurturing of FPO to Organisation for Resource Development and Environment Rejuvenation (ORDER).
Capacity building through trainings and exposure visits.
Provision of quality inputs and aggregation of produce for direct marketing.
Leveraging resources from the Government and NABKISAN - ` 25.50 lakh and ` 4.00 lakh respectively.
Participating in various District/State/National Level Melas.
THE INITIATIVEFormation of Farmer Producer Organisation
THE BENEFICIARIES Farmers of Nitturu Hobli, Hassan Taluk
THE DISTRICTHassan
THE IMPACT
Hasanamba Farmer Producer Company
formed by 560 farmers with share capital
of ` 5.60 lakh.
Input supply business - ` 15.00 lakh
(20 tonnes).
Aggregation and marketing of maize -
300 Tonnes worth ` 65.00 lakh.
Crop contract activity. Ended exploitative
practices of middlemen - introduction
of moisture meter, uniform packing,
digital weighing machine, daily price
quotations etc.
Increase in farmers’ net income by 15%.
Exposure to modern farming technologies.
73
Self-Help Groups
Farmers practice rainfed agriculture.
90% of the population depend on agriculture.
Rural poor women were financially excluded to a large extent.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned to IHDUA, NGO for formation and bank linkage of 100 SHGs with grant support of ` 2,000/- per each SHG bank linkage.
Handholding with the banks for credit linkage.
THE INITIATIVESHG Bank Linkage Programme in the financially excluded segment
THE BENEFICIARIES Poor Rural Households, Begur, Gundlupet Taluk, Chamarajnagar district, Karnataka
THE DISTRICTChamarajnagar
THE IMPACT
119 SHGs (1,501 members) were formed.
SHG members were covered under
Pradhan Mantri Suraksha Beema Yojana &
Pradhan Mantri Jeevan Jyothi Yojana.
Most of the SHGs have taken multiple
dose of loan from the bank and repaying
regularly.
SHG members are now graduated to
several income-generating activities like
petty shops, vegetable business, bakery
units, public auto service etc.
Children of SHG members are now having
access to higher secondary and college
education.
75
Making people Beautiful
Unemployed educated young rural women.
Lacking entrepreneurial skills.
Economic and social dependence - lower income group.
THE CHALLENGE
THE SOLuTION
NABARD provided grant assistance of ` 3.00 lakh to Dalmia Foundation for conducting 3 months' course on beauty parlour and tailoring.
Imparted entrepreneurial skills.
THE INITIATIVESkill Development Programme
THE BENEFICIARIES 50 women of Belagavi taluk
THE DISTRICTBelagavi
THE IMPACT
76% settlement rate.
Tie-up with L'Oréal Company for setting
up of beauty parlour units.
Women empowerment through self-
employment – improved social status –
economic independence.
77
unity is Strength
Non-availability of timely adequate inputs like seeds, fertilisers, pesticides, etc.
Losses in marketing due to dominance by middlemen.
Dependency on moneylenders for credit requirements.
Lack of storage facilities forcing sale of harvested produce in the field itself.
Non-accessibility to price information and thus exploitation by traders.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned grant assistance for formation of FPO to M/s. Deshpande Foundation, Hubbali, the Producer Organisation Promoting Institution.
Introduction to advantages of soil and water conservation techniques.
Pre and post-production interventions through input supply, construction/hiring of warehouses, market linkage, etc.
THE INITIATIVEFormation of Farmer Producer Organisation
THE BENEFICIARIES Farmers from 45 villages in Navalgund Taluk
THE DISTRICTDharwad
THE IMPACT
Formation of Kalmeshwar Farmers
Producer Company Limited (KFPCL) -
820 farmer members with share capital
of ` 8.20 lakh.
Enabled construction of 2,500 farm ponds.
Credit linkage of ` 85.00 lakh through
NABKISAN for setting up of a ‘Resource
Center’ with storage and processing units.
Rolled out procurement center for green
gram – turnover ` 4.5 crore.
Direct market connectivity for green gram
and Bengal gram - net increase in farmers’
income by 18%.
79
Super Marketing
Sirsi did not have an one-stop market access to farmers .
Time, labour and cost are lost in search of products of their choice.
Farmers were not able to negotiate from far off vendors.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned a loan of ` 400 lakh and grant of ` 20.00 lakh to the Society for construction of Godown cum Supermarket.
TSS Supermarket commenced in a new four floor building named "Shripad Hegde Kadave Complex".
The complex has all types of goods – agriculture, horticulture, forestry and consumer products.
THE INITIATIVEPACS as Multi Services Cooperatives
THE BENEFICIARIES Clients of The Totagaars’ Cooperative Sales Society, Sirsi
THE DISTRICTUttara Kannada
THE IMPACT
The average footfall per day in the
complex is 500. Every year around 1.5 lakh
customers visit the showroom.
The sales turnover for the year, 2018-19
stands at ` 122 crore.
The Supermarket has resulted in supply
of quality branded products at
competitive rates.
Transparent billing mechanism ensured
fair price for the farmers, saving in
cultivation cost.
81
Orchards and Livelihoods
Dependence on agriculture.
Unemployment and seasonal migration.
Depletion of groundwater & poor rainwater management.
THE CHALLENGE
THE SOLuTION
NABARD extended assistance to SANKALPA for an integrated tribal development project in March 2014.
Introduction to Wadi concept and other income-generation activities.
Convergence from Agriculture Department (construction of farm ponds) and from Horticulture Department (mango plants gap filling).
THE INITIATIVETribal Development in Sandur, Ballari
THE BENEFICIARIES Ankanamanhal and its neighbouring villages in Sandur Taluk
THE DISTRICTBellari
THE IMPACT
686 wadis planted and maintained.
Survival of 14,845 mango and 7,309
sapota plants (83%).
200 farm ponds - enhanced farm
activities – recharge of groundwater.
Increased family income – change in
lifestyle.
Reduction in migration.
Formation of Farmers’ Producers’
Company.
83
Farmers’ Collectives
Market stagnation in coffee prices compared to other commodities.
Challenges in replanting of old plantations.
Shortage of labour - increase in labour cost.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned grant assistance of ` 7.80 lakh for formation of FPO to KVK, Gonikoppal as POPI.
Exposure visits and capacity building of FPO members.
Productivity enhancement measures – widening cropping mix.
Stabilised input supply and output aggression business (direct market connect).
THE INITIATIVEFormation of FPO under PRODUCE Fund
THE BENEFICIARIES Coffee Planters of Kodagu District
THE DISTRICTKodagu
THE IMPACT
Formation of Puthari FPC Ltd. of
489 farmers.
Annual average turnover of ` 1.72 crore in
its second year of operation.
Aggregation of farm produce with
different quality standards.
Transfer of technology reduced cultivation
cost by 20%.
Fair price to farmers through direct
marketing - increased farm incomes.
85
Allied Agriculture – Ensured Sustainability
Rainfed cultivation and dependence on agriculture for livelihood.
Inadequacies in maintaining healthy animals.
Poor market connect – exploited by middlemen.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned grant assistance of ` 1.71 lakh to NGO, CRDS.
Skill development on animal care.
Involving all the stakeholders for ensuring all essential services.
Exposure visits to successful dairy units in the vicinity.
THE INITIATIVELivelihood and Entrepreneurship Development Programme – Dairy Farming
THE BENEFICIARIES 60 women farmers of Chadchan and nearby villages in Indi taluk
THE DISTRICTVijayapura
THE IMPACT
Credit linkage to 57 members out of
60 trainees.
Empowerment of women – socio-
economic development.
Increased income - change in the lifestyle
of the beneficiaries.
Access to higher education of wards
of the beneficiaries.
87
Waste becomes Catalyst
Inadequate labour for areca nut de-husking.
Unaware of marketability of Chogaru, the thicker extract, a by-product of areca nut processing.
THE CHALLENGE
THE SOLuTION
NABARD provided grant assistance of ` 9.06 lakh for formation of FPO to MANUVIKASA, NGO in March 2015.
Loan of ` 7.00 lakh from NBFC for the purchase of 02 customised mobile de-husking units.
Establishment of common facility centre.
Impart skills to de-husk using machines and knowledge about the by-product of areca nut processing - a thick red extract called CHOGARU.
Procure Chogaru, which was a waste earlier and market it to leather industry (for tanning purpose).
THE INITIATIVEFormation of Farmer Producer Company
THE BENEFICIARIES Members of FPO, Sirsi
THE DISTRICTUttara Kannada
THE IMPACT
Pragatimitra FPO was formed with 850
farmers with share capital of `11.06 lakh.
FPO is having average annual turnover of
` 42.00 lakh.
Reduction in processing cost.
Increased farm income on account of
value for the by-products.
89
Being Together to Excel
Rainfed – depletion of groundwater.
Influence of middlemen.
Inadequate input supply and market connect.
THE CHALLENGE
THE SOLuTION
NABARD extended grant assistance to Deshpande Foundation for formation of the FPO.
Implemented productivity enhancement measures - soil health, judicious water management, pest repellents etc.
Established market linkages and cross learning visits to other successful units in other districts.
THE INITIATIVEFormation of Farmers Producers Organisation
THE BENEFICIARIES Farmers of Shiggaon and Svanur taluks
THE DISTRICTHaveri
THE IMPACT
The Basaveshwara Farmer Producer
Company was formed with 300 farmers.
The company provides inputs like
fertiliser, seeds and pesticides at very
competitive prices.
Custom hiring of agriculture machineries
and equipments.
Developed 42 farm ponds to conserve
water and enhance farming activities.
91
Sustainable Agriculture
80% farmers depend on rainfed agriculture.
Drying of existing borewells.
Migration for livelihood.
Less fodder availability for livestock.
• Inabilityofthefarmerstocopewithincreasing temperature during summer and less, but intense rainfall in short period.
THE CHALLENGE
THE SOLuTION
NABARD extended grant assistance to MYRADA, Bellari for climate proofing of watershed project.
Change of agriculture practices like crop rotation, intercropping, seed treatments etc.
Saplings on farm bunds to increase the vegetative coverage.
Organic cultivation.
Exposure visits to climate change adaptation practices.
THE INITIATIVEWatershed development under Watershed Development Fund
THE BENEFICIARIES Villagers of Bennikalu and Kalahalli in H B halli Taluk
THE DISTRICTBellari
THE IMPACT
Positive impact on the lives of 670 farmers.
Improvement in soil health.
Switched to climate resilient crops and
cropping systems.
Mitigation from climate change risks.
Sustainable NRM practices for
food security.
93
Climate Proofing - Food Security for our Future
Degradation of soil due to erosion and lack of water conservation.
Sustainable NRM & climate resilient farming, livelihood and food security.
Capacity building, institutional development and knowledge management.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned grant assistance of ` 48.50 lakh to Vishala, NGO.
Implementation of soil and water conservation.
Soil health and productivity enhancement.
Climate risk mitigation activities.
Capacity building of all the stakeholders.
THE INITIATIVEPromotion of IFS model for doubling of income. Promotion of marketing outlets for own livelihood activity at village & cluster level
THE BENEFICIARIES 243 households of Bhutanala, Arakeri and Ittangihal villages in Vijayapura district
THE DISTRICTVijayapura
THE IMPACT
Soil erosion arrested at 4 points.
Switch to micro irrigation activity.
Uncultivated land brought under
horticulture and forestry.
Adoption of deep ploughing, tank silt
application and use of bio fertilisers -
increase in family income.
15 seed wealth centres & fodder banks
were set up.
95
Sustainability through Supermarket
Loss-making society.
Very low financial leverage.
Scope for widening business.
THE CHALLENGE
THE SOLuTION
NABARD extended loan assistance of ` 220 lakh under PODF for upgrading the society as multi-service centre.
THE INITIATIVEDevelopment of PACS as a Multi-Service Centre
THE BENEFICIARIES Prathama PACS and the people in and around Hulgur village of Shiggaon Taluk
THE DISTRICTHaveri
THE IMPACT
Opening of 4 fair price retail outlets in 3
years & opening of KCC branch also in that
premises.
Diversified loan portfolios – rural housing,
SHGs, vehicle loan, dairy farming, loan on
deposits etc.
Surge in non-credit business – earned
handsome profits.
Increase in customer base – overall
business volumes increased by 30%.
97
Sustainable Black Peppers
Yellowing of leaves, spike dropping and death of vines due to quick wilt disease.
Loss of plantations of about 15-25% vines every year due to disease attack.
Replanted vines take 6-8 years to reach full yielding potential.
Inadequate and improper application of farm yard manure.
THE CHALLENGE
THE SOLuTION
NABARD provided grant support of ` 4 lakh to KVK, Gonikoppal during 2014-15.
Drenching of lignite-based Arka Microbial Consortium during June, September and November at the rate of 4 kg in 200 lit. of water.
AMC treated vines observed with early initiation of new shoots, less spike shedding, not much yellowing of the vines and recovery from foot rot disease in all the farmers’ field.
THE INITIATIVEArka Microbial Consortium for promotion of organic farming in black pepper
THE BENEFICIARIES Black pepper growing farmers of Kodagu District, Karnataka
THE DISTRICTKodagu
THE IMPACT
Promotion of organic farming.
Improve the organic carbon, fertility status
and soil health.
8,342 farmers are benefited with the
coverage of 4,329 ha of the black pepper
growing areas of the district.
99
Scaling New Highs
Socially and economically heterogeneous groups of farmers.
Difficulties in imparting technology and direct market linkage.
No financial support from formal financial institutions.
THE CHALLENGE
THE SOLuTION
NABARD sanctioned formation of FPO to Krushik Mitra Grameen Abhivruddhi Sansthe, Belagavi district with grant assistance of ` 18.16 lakh.
Exposure visits to District/State level melas.
Weekly meetings on improving farm productivity and collective marketing.
Aggregation of produce directly by entering into MoU with Roquette India Pvt. Ltd., Gokak for maize supply.
To explore business at national level.
THE INITIATIVEFormation of FPO under PRODUCE Fund
THE BENEFICIARIES 500 farmers from Harugeri, Raibag taluk
THE DISTRICTBelagavi
THE IMPACT
Formation of Krushik Mitra Farmers’
Producers Company Ltd. - 500 farmers
with share capital of ` 5.00 lakh. ` 5 lakh
Equity Grant from SFAC.
Yearly average turnover around ` 2 crore.
Expanded National Level Marketing.
` 37 lakh loan assistance from NABKISAN
for business expansion. Established
3 Farmer Service Centres.
Direct market connect enabled farmers to
get increased income – change in lifestyle.
101
Nothing but Success
Unviable business turnover.
Capacity building of the BoDs and staff.
Market connectivity and inadequacies in post-harvest infrastructures.
THE CHALLENGE
THE SOLuTION
NABARD provided loan assistance of ` 15.00 lakh to Kanamadi PACS for construction of a rural godown with a capacity of 190 MT and a Common Facility Centre for raisin processing.
Imparted skills on storage marketing and management techniques.
Set-up of PACS advisory committee for periodical reviews.
THE INITIATIVETransforming PACS into Multi Service society
THE BENEFICIARIES Farmers of Kanamadi village
THE DISTRICTVijayapura
THE IMPACT
Great reduction in distress sale
among farmers.
The society earned profit of ` 44.56 lakh
through hiring of Common Facility Centre
to farmers for drying, sorting, cleaning,
grading, & packing raisins.
Farmers also got better margins while
marketing their products.
Provision of agriculture inputs and market
enabling services with assured quality had
helped the farmers to gain confidence in
their agricultural operations.
103
Technology powers Agriculture Productivity
Reluctance to change to new technology in seed treatment.
Farmers were not readily receptive to the idea of wider spacing of 5x3 feet.
Nipping operation was not practiced by the farmers.
THE CHALLENGE
THE SOLuTION
NABARD provided grant support of ` 3.52 lakh to Agricultural Research Station, Hanumanamatti under Farm Sector Promotion Fund.
Conducted field demonstration programme on new technologies.
Exposure visits to places where these technologies are already in vogue.
THE INITIATIVEEnhancement of Redgram (BSMR-736) yield by transplanting technology through people’s participation
THE BENEFICIARIES Farmers from villages around Ranebennur Taluk
THE DISTRICTHaveri
THE IMPACT
The yield has increased by 50% i.e. from
7.5 qtls to 20 qtls per ha.
Savings in seed rate by 3 kg/ha.
Shift in cropping pattern from maize
cultivation - increase in soil fertility.
Additional income on straw sales.
105
Notes
Notes
Notes
National Bank for Agriculture and Rural Development
Karnataka Regional Office46, K. G. Road, Bengaluru - 560 009
E-mail: [email protected] | /nabardonline