chaitanya annual report 2009-2010 v0.1

Chaitanya

Annual Report 2009 - 2010

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 lead the

process of development for a

better quality of life

Objectives

Build local capacities of rural poor, especially women, to

form self--reliant people’s institutions. Develop village

level people’s institutions to be the core of development

process

Evolve strong, sustainable partnerships of local institutions

with local government machinery as well as other local

organizations

Evolve consensus in the formulation of gender equitable,

village level development plan in the areas of health,

water and sanitation, and organic farming

Build knowledge and resource base related to self help

groups (SHGs) and other sustainable people’s institutions

for rural development and women's empowerment

Create platforms for integrated learning space for various

partners involved in rural development through

networking and convergence

Chaitanya

Annual Report 2009 – 2010 1

About us

Chaitanya, a developmental organization established in

1993, is one of the pioneers of the SHG federation

movement in Maharashtra, India. It has been a catalyst in

facilitating the process to get rural women out of the

vicious cycle of poverty. Chaitanya has provided these

women the much needed social security and a platform

which can address their financial and social needs. In the

last eighteen years Chaitanya has grown from a small

grassroots organization working in seven villages with 14

groups to a national resource agency leading the SHG

federation movement in the country with a network of

agencies.

Registered under Date of

Registration

Place of

Registration

Registration

Number

Bombay Public Trust

Act, 1950

July 25,

1993 Pune E – 1775

Foreign Contribution

Regulation Act, 1976

June 18,

1998 Pune 083930288

Individual contributions to Chaitanya are exempt from income

tax under Section 80G.

No. Pn. T/CIT-V/80G/49/58/2002-2003/33109.

Head Office

Moti Chowk, Rajgurunagar,

Taluka Khed,

District Pune 410505,

Maharashtra, India.

Telephone: +91-2135-223176

Fax: +91-2135-226580

Women's Training and

Resource Centre (WTRC)

Sangam Classic,

Wada Road, Rajgurunagar,

Taluka Khed,

District Pune 410505,

Maharashtra, India.

Telephone: +91-2135-226593

Liaision Office Pune

787, Deccan Gymkhana,

Pune 411004,

Maharashtra, India.

Telephone: +91-20-25672591,

+91-20-25660581

Fax: +91-20-25670838

www.chaitanyaindia.org

[email protected]

We thank the entire Chaitanya family, especially Alka Pardeshi,

Cornelia Govani, Levina Telen, N Phanipriya, Neeta Amonkar

and Sudha Kothari, for helping us create this report.

Contents

About us 1

What we do 2

Grassroots

SHG and Federation Promotion

Jankar

Livelihood

Health

3

Capacity Building

Training

Manthan

MFDM

7

Policy Advocacy

Memberships

Conferences

10

Who support us 12

Getting involved

Our team 13

Financial information

Balance Sheet

Income and Expenditure

14

Chaitanya


What we do

Our programs are very inter-

connected and try to address social

issues in a wholistic manner. However,

to aid understanding, we have tried to

classify our efforts into three inter-

connected layers as illustrated in the

diagram.

Grassroots: Activities in which we

directly work with the community.

Capacity Building: Activities in which

we try to build capacities of individuals

or institutions who, in turn, work with

the community.

Policy Advocacy: Activities in which

we learn from and share our

experience with the various

stakeholders of the SHG movement.

Although all our activities in each of

the layers are equally important to us, we strongly believe that continuous learning from our

grassroots activities helps us in designing effective capacity building programs and correctly

influencing required policies.

Grassroots


Jankar

Livelihood

Health

Capacity Building

Training

Manthan

MFDM

Policy Advocacy

Memberships Conferences

Grassroots

Chaitanya



We believe that SHGs are the basic building

blocks of rural development on which stands the

culture of self-help. Hence, our main activity

involves building capacities of SHGs at various

levels. Understanding the need to consolidate

the growing power of SHGs, Chaitanya

facilitated the formation of Grameen Mahila

Swayamsiddha Sangh (GMSS), the first federation

of SHGs in Maharashtra. Today, GMSS functions

as an independent unit and provides guidance

to other SHG federations. Starting with GMSS,

Chaitanya has facilitated the setting up of

fourteen federations in seven districts of

Maharashtra; seven federations in Pune district,

one federation each in Ahmednagar, Nashik,

Satara, Sangli and Nandurbar districts, and two

federations in Dhule district. The federations in

the Pune district are located in Khed,

Ambegaon, Junnar, Daund, Manchar, Shikrapur

and Belhe blocks.

Highlights 2009-2010

NABARD approval for GMSS to receive revolving

loan and microfinance development equity fund.

This is the first time in Maharashtra that an SHG

federation has been recognized by NABARD for

such a financial relationship

Rotary project

o Entry into new geographical area

o Successful acquisition of loan portfolio,

grant fund and staff

Sir Ratan Tata Trust (SRTT) project for Sindkheda

federation

Data migration of 11 federations to MIS

Rating of GMSS by M-Cril

Registration of Junnar and Ambegaon federations

Systems set up

o Accounting, MIS and internal audit

o Individual portfolio tracking

o Quarterly meeting of office bearers

o Data Collection - Audit, Gradation, R and

P Baseline

Annual Progression

2006-07 2007-08 2008-09 2009-10

Members 13524 16226 20662 31432

SHGs 966 1159 1473 2221

Villages 173 176 310 444

Clusters 51 66 108 158

Federations 3 9 9 14

Financial Data, Feb 28, 2010

Particulars Rupees

Savings 70,68,409

Fixed Deposits 92,80,415

Loan Outstanding 5,73,80,027

Loan Disbursement (2009-2010) 6,60,16,460

We thank the following for their support

Grassroots

Chaitanya


Jankar

Financial independence, proximity to legal

services and awareness on various programs and

schemes of government are the major steps

towards women’s empowerment and poverty

reduction. With this in mind, our Jankar program

aims to build capacities of selected SHG

members as Community Resource Persons,

Jankars, for providing information, such as,

related to law, formation of SHGs, and various

schemes and programs of the government. The

Jankar program is committed to build a cadre of

women leaders with in-depth knowledge and

skills to empower women in the community to

solve their self-identified needs.


Jankars Alkavti Nanabhau Muluk and Sitabai

Ramdas Sonawane awarded by Sane Guruji

Kathamala

Jankars providing training services to several

external agencies

Started developing trainers from the community

on an experimental basis

Documentary film made on Jankar concept

Several villages made aware of ration card and

many villagers aided to obtain various official

documents

Efforts by women have resulted in making several

villages free from alcholhol use

Counseling Centre Learning

Above 80% of cases are from the age group of 18-

25 years

Cases involving age groups of 26-40 are less likely

to end up in a compromise

Couples seperated for more than 5-10 years, are

unlikely to come to a compromise

Group counselling is more effective than one-to-

one counselling

Pre-marriage counselling is required at the village

level

The process of arranging marriages, especially in

villages, needs to be more carefully tackled

Summary of Counseling Centre

Place New cases Domestic

violence Resolved

Khed 108 95 46

Junnar 50 41 34

Ambegaon 28 22 12

Pune 57 54 30

Sakri 1 1

Total 244 212 123


Jamsetji Tata Trust

Grassroots

Chaitanya


Livelihood

A sustainable livelihood approach involves

starting from people’s real lives and drawing

localized development strategies to ease their

everyday struggles for survival. Our livelihood

program aims to enhance the knowledge of

livelihood and the skills required to manage

available resources, to use new technologies for

agriculture program needs, to generate local

level employment through experimentation in

livelihood, to increase the income of needy

families through innovate experiments in

livelihood and to create an opportunity to

provide nutritious food to needy families. The

program conducts trainings related to vermi-

compost, animal husbandry, raised-bed

agriculture, kitchen garden, horticulture and

entrepreneurship.


Systematic Rice Intensification (SRI)

Successfully completed pilot project that helps increase

yield by 40% and reduces seed requirement from fifteen

to two kilograms

Trained six Livelihood Jankars

Kurkundi project

Training and awareness programs related to kitchen

gardening, computers, health, water purification,

nutrition and general knowledge

Distributed bicycles to 12 school girls, who had shown

good academic performance in the previous year

India Development and Relief Fund (IDRF) project

Excellent performing beneficiaries trained as Jankars to

motivate more villagers

Drumstick plantations have helped increase family

income by ten thousand rupees

Janutkarsh project

Introduced new agriculture techniques, installed 15

hand pumps, and completed watershed development

and well deepening projects

Craft project

Previously trained students have been developed as

trainers

Sold bags made last year to raise funds for this year

48 women certified for successfully completing course


ITDP

Rural Communes

Grassroots

Chaitanya


Health

The improvement of health and nutrition among

women and children is one of our major priorities.

Our goal is to build capacities of the rural

community to enable them to lead processes

required for pursuing healthy life.

A study, conducted in seven villages of Khed

block of Pune district to determine the health

status and health seeking behaviour of the

community, reiterated the poor health of women

and children. 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 where to access healthcare. There is

a strong utilization of microfinance for health

purposes; however families are often unable to

repay loans used for health.


NRHM Community Based Monitoring Project

In the first phase of this project, we have successfully

facilitated the formation of Village Health Committees

(VHCs) in Khed block. These committees have been

formed to support and monitor the health services at

the Primary Health Centre (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 phase of the

project, National Rural Health Mission (NRHM) has

entrusted us with the second phase of the project in

Khed and Junnar blocks.

Deepti Arogya Nidhi (DAN)

We are in the process of launching a community

based micro-insurance model, named Deepti Arogya

Nidhi (DAN), in 2010 – 2011. DAN will enable members

to share their risks of illness as a community. It will be a

solidarity model where all members contribute to a

common 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.

[photograph]


Capacity Building

Chaitanya


Training

The function of capacity building is based on our

eighteen years of grassroots experience. The

inimitable feature of our capacity building inputs

is the strong focus on demonstration; only that is

shared which has been tried and tested. A

member of Enable, Chaitanya has been

recognized as a resource organization on SHGs

and community based micro-finance in the

country. Our training tools such as Navi Pahat,

Bachatnama and SHG gradation have been

used extensively across Maharashtra for the last

fifteen years. As a resource organization, we

providing technical support to organizations in six

states of India namely Maharashtra, Uttar

Pradesh, Madhya Pradesh, Chhattisgarh,

Jharkhand, Karnataka, especially for promotion

of SHG clusters and federations.


Article on Cluster strengthening

Cluster evaluation and SHG concept charts

SHG member training session note

Dhule gradation analysis

Training schedule and budget format

Documentary film on Financial Literacy Jankars

Ijjat Ka Sawal hai, Ganga Jamuna, Swaymsidha

and Bas Ek Din videos

Pamphlet about Financial Literacy programs

Promoting income and expenditure diary

Role plays by MFDM students in Hindi and Marathi

Marathi translation of

o Election process

o Federation book keeping

o Federation internal audit and annual

planning books published by APMAS

o Five Financial Literacy modules

Participated in National Conference on Self

Regulation of SHG and SHSs Federation in

Hyderabad, SHG Training of Trainers in Kolkata,

and Micro Finance Operation training organized

in Bengaluru

Trainings 2009 - 2010

Training Type No. of Trainings Total Participants

External 23 1183

Internal 131 2735

Exposure visits 11 242

Training Courses SHG, Cluster, Federation and Record trainings

Staff Capacity Building for SHG, Cluster and Federation

Leadership Development

Financial Literacy

Jankar program trainings – Legal, Government and SHG

Manthan program trainings

Livelihood program trainings


Margdarshak ,

Lady Bam Ford

Capacity Building

Chaitanya


Manthan

With the NGO sector getting more organized

and formal, there is a dire need for professionals

to lead organizational development and

management with a systematic and scientific

approach. Our Manthan program is committed

towards facilitating the non-profit sector to build

capacities for institutional growth with

sustainability. This is done by providing trainings to

present and prospective leaders and managers

of NGO's to nurture critical thinking, self

assessment and reflection within the

organization. Manthan helps organizations in

establishing credibility by developing their

systems, enhancing their ability to utilize

available resources and generating new

resources.


Developed toolkits for Result Based Management

and Strategic Organizational Planning

Conducted workshops and prepared module on

evaluation of grassroots organizations in

collaboration with Institute for Development

Initiatives (IDI) and Association for Stimulating

Know How (ASK)

Organized Resource Mobilization (RM) workshop

in collaboration with South Asian Fund Raising

Group at YASHADA, Pune

Manthan project report and process

documentation reports submitted

Published RM research paper titled On Asking

Conducted cash-flow study in six agrarian distress

districts in Vidarbha with network of 23 Manthan-

Vidarbha partners

NGO Management and Sustainability course

approved by Tata Institute of Social Sciences

(TISS), Mumbai

Acceptance of Chaitanya as a resource

organization in the Convergence of Agricultural

Interventions in Maharashtra (CAIM) project

Conducted courses at TISS Mumbai, MSW College

Nashik and Maharashtra Institute of Technology

(MIT) Pune

Manthan Trainings / Workshops 2009 – 2010

Category No. of Trainings Participants

Capacity Building 3 10

Organizational level 6 119

Regional level 8 174

Central level 5 69

Consultative 4 186


Capacity Building

Chaitanya


Micro Finance Development and

Management (MFDM)

The crucial role of micro finance in the delivery of

savings and credit for poor has been widely

recognized. However, one of the prime issues

hindering the optimal growth of this sector is the

lack of skilled, efficient and motivated human

resource that meets the growing needs of this

fast emerging sector. Having experienced the

impact of micro finance in the lives of rural

communities, we decided to share our learning

to build capacities of youth who are willing to

pursue careers in micro finance. MFDM is a six

month certificate course to develop a pool of

fresh talent with specialized training in diverse

management areas as well as empathy and

values for efficient professional practice. In

addition, the course intends to build capacities

of youth to enable them to lead the process of

development. This contextual and functional

course focuses on experiential learning.


Tata Institute of Social Sciences (TISS) has

approved the MFDM course. The next batch will

be certified jointly by Chaitanya and TISS

Students came from Konkan, Marathwada,

Vidarbha, and Western Maharashtra regions

Based on feedback from students and faculty,

weekly two days of field work introduced

Field work assignments for every project

Group discussion methods used for cross learning

Student committees for Documentation,

Placement and Cultural Events formed

Life Skills, Internal Eavluation and Monitoring

workshops

Students helped in organizing events and

prepared journals on Microfinance, Enterprise and

Entrepreneurship development

[photograph]

MFDM Batches 2009 – 2010

Batch Duration Students

Girls Boys

Second Mar 2009 – Sep 2009 14 3

Third Oct 2009 – Apr 2010 9 5

Till now, all MFDM students have been successfully

placed in various organizations


Policy Advocacy

Chaitanya


Memberships

To understand the intricacies of the diverse and

constantly evolving SHG movement and to be a

part of its evolution, it is necessary to participate

in forums where we can learn from other

stakeholders of this movement and share our

experience with them. Memberships of Enable

and Sa-dhan’s SHG Task Force help us in

effectively collaborating with various

stakeholders of the SHG movement.

National Network Enabling Self Help

Movement (Enable)

Previously known as National Network of

Resource Organizations (NNRO), Enable and its

member organizations are engaged in a number

of activities to strengthen the SHG movement in

the country. These activities can be classified into

the following categories:

Research based advocacy to obtain

conducive policy environment for sustainable

SHG institutions in the country

Capacity building of primary and secondary

stakeholders in the SHG sector through

development of resource material and

translation of the same into several Indian

languages, training of trainers, mentoring,

problem solving, on-the-job support, piloting

and replication of new ideas

SHG Task Force, Sa-dhan

[photograph]


Policy Advocacy

Chaitanya


Conferences

The SHG federation movement is a constantly

evolving space and, hence, needs various

platforms to engage stakeholders of the

movement in frequent cross learning discussions.

As a believer of this movement, we try our best to

promote such platforms. Thanks to our

supporters, this year we organized two events in

Pune to facilitate this process.

Consultative Workshop

This workshop aimed to analyze the SHG

Federation landscape in India, issues hindering

their scaling up and possible IT solutions for wider

application of the SHG federation model, and to

identify issues for policy directions that will help

successful development of Federations.

It was attended by 45 participants comprising of

policy makers and practitioners of Micro Finance.

National Conference on SHG Federations

- Challenges and Way Ahead

Continuing with the discussions started during the

Consultative Workshop, this conference aimed to

share and understand the current status and

different models - social, financial and livelihood

- of SHG federations, issues and challenges

faced by federations especially those related to

capacity building based on SHG networks and

funds flow, policies of national organizations to

support SHG federations, and to discuss

measures to address challenges and enhance

flow of resources to facilitate SHG federations.

It was attended by 120 participants comprising

of SHG members, federation leaders and

representatives of Self Help Promoting Institutions

from 12 states of India, policy makers, training

institutions, technical support institutions, national

networks, banks and experts from the field of

SHG and Micro Finance.

http://sites.google.com/site/confshgfederationspune


Advisory team, National Conference, 2010, Pune:

Achla Savyasaachi, C S Reddy, B B Mohanty, Girija

Srinivasan, Sashi Rajgopalan, Vijayalakshmi Das

Chaitanya


Who support us

We are overwhelmed by the generous and

continuous support provided by individuals and

organizations who believe in us. Our supporters

include community people with whom we work,

individuals and organizations who provide us

financial (donations, grants and loans) and

technical (guidance, assistance and capacity

building) support, volunteers who contribute their

time and expertise, and individuals and

organizations who facilitate in creating and

maintaining the above relationships.

As a small token of our gratitude, this report

indicates individuals and organizations, who

provided program specific and other support,

and donors and volunteers during 2009 - 2010.

However, there are numerous others who have

supported us earlier and continue to do so in

myriad ways. We thank all of you and humbly

apologize for our inability to mention all your

names in this report.

Getting involved

We like to connect with committed individuals

and organizations who are passionate about

making a positive difference. If you have

something that you would like to share, we

would love to hear from you. You can get

involved in one of the ways mentioned in the

above section, or together we can design a new

way to synergize.

Please write to us at [email protected] or

[email protected].

[photograph]

Donors 2009 – 2010

Ajay Dinkar Raswalkar, American Institute of Indian

Studies, Anil Sanghvi, Arti Gholap, Ashok Kulkarni,

Babulnath Mandir Trust, Beau Ragbir, Deepak and

Bina Dalal, Janki Dalal, Ila Shaha, Kailash Chawan,

Krushnakumar Goyal, Leena Sanghvi, Manoj Asawa,

Members of Prisum Group, Moreshwar Anant Devdhare,

N R Baldota Foundation, Nayanaben Khanderia,

Prabha Vasant Joshi, President of Members, Rachel C

Vaughn, Ramaben Khanderia, Samtec Tools &

Accessories Pvt Ltd, Shivram Sadashiv Antarkar, Shri

Rasane, Shri Eswaran, Shri Bhave, SKS Chakshu

Foundation, Subba Luxmi, Suhas Parale, Uma Kalamkar,

Urmila Sanghvi, Vidya Joshi, Vijayanand Vadlamuri,

Vishnu Vaman Godase, Yashwant Dixit


College of Social Work, Nashik

Jawaharalal Nehru Social

Work College, Nanded Manavlok's

College of Social Sciences, Ambejogai Nutan Maratha

College, Jalgoan

Chaitanya


Our team

Our work spans seven districts of Maharashtra

and involves working with people having

different perspectives and problems. Everyday,

our work brings out new challenges which have

to be tackled in an empathetic and effective

manner. We are able to do justice to our work

thanks to our versatile and committed team.

Our team comprises of :

Board of Trustees, and Advisor

Interns, Fellows and Volunteers

Staff

WTRC Advisory Committee

We are 86 staff members varying in age,

education, professional experience and social

background. Our educational background

ranges from less than tenth standard, to post

graduate degrees in Business Administration,

Computer Applications, Philosophy and Social

Work, to doctoral degree in Social Work. Fifty

eight percent of our staff are women.

Adding the rest of our team, not only increases

the above mentioned variance, but also adds in

factors such as varying nationalities.

We believe that this blend of wisdom coupled

with education provides us the versatility which

helps us in understanding myriad problems and

coming up with sensitive approaches to solve

them.

[photograph]

Board of Trustees

Dr. Sudha Kothari, Managing Trustee

Surekha Shrotriya, Trustee Administrator

Dr. S V Gore, Medical Practioner

Dr. Ram Katariya, Medical Practioner

Vijaykumar Bhansali, Businessman

Harish Vora, Civil Engineer

S Vijayanand, Financial Consultant

Kalpana Pant, Staff Representative

Ramesh Deshpande, Honorary Advisor

WTRC Advisory Committee

Prof. Anjali Maydeo

Dr. Kavita Salunke

Dr. Pradeep Wagh

Prof. V M Kulkarni

Vijay Athavale

Interns, Fellows and Volunteers 2009 – 2010

Anindita Mukerjee, Anita Chavan, Anita Tadvi, Ashok

Miragane, Ben Nickless, Carmina Rinker, Carrie

Thomson, Chandrakant Mule, Cornelia Govani, Flavia

Della Rosa, Hardeep Bhatha, Himabindu Reddy, Jinell

Smithmyer, Johanna Cooper, Julianne Lynch, Kranti

Hanamant Bhilare, Linda Golazgewsh, Lolina Vaz,

Mamde Sachin Sharadrao, Manashree Mantri, Meghan

Milinski, Nila Vatte Wadde, Parul Parsottamphai Jadav,

Prerna Shinde, Rathod Sanjeev Prabhu, Roxana Norouzi,

Shriya Palekar, Smita Pawar, Tukaram Kakade, Vibuti

Rasikbhai Joshi, Vijaykumar Namdevrao Jadhav, Violeta

Rubiana

Financial Information

Chaitanya


Balance Sheet as on March 31, 2010

Funds and Liabilities Schedule Rupees

Trust Fund or Corpus 292,947.75

Other Earmarked Funds 1 6,009,191.00

Reserve Fund 200,760.00

Any Other Fund 2 5,509,460.31

Assets Fund 3 590,939.23

Loans (Secured or Unsecured)

From Branch Division 4 3,659,665.16

Liabilities

For Current Liabilities 5 612,827.50

For Grant c/f 6 1,096,518.83

Total 17,972,309.78

Properties and Assets Schedule Rupees Rupees

Immovable Properties [at cost] 1,980,123.50

Balance as per last Balance Sheet 2,066,715.00

Additions during the year 120,080.00

Less : Depreciation upto March 31, 2010 206,671.50

Investments (Fixed Deposits) 7 4,123,562.00

Current Assets 8 424,722.00

Fixed Assets – Furniture and Fixtures 9 1,589,184.70


Additions during the year 506,227.00

Less : Depreciation upto March 31, 2010 769,606.02

Advances

To Branch Division 3,659,665.16

Income Outstanding

Grant Receivable 10 3,659,664.36

Closing Stock 470,182.00

Cash and Bank Balance

Cash Balance 4,954.99

Bank Balance 11 809,917.80

Income and Expenditure Account 1,250,333.27


Less : Surplus Expenditure Account 328,055.76

Total 17,972,309.78

Financial Information

Chaitanya


Income and Expenditure for the year ended March 31, 2010

Income Schedule Rupees Rupees

Interest 4 150,833.86

Donations in cash or kind 5 845,100.00

Grants 6 12,616,942.22

Grants received and receivable (A) 13,828,680.28

Less : Unutilised Grants (B) 1,152,240.83

Less : Grants received last year (C) 1,218,624.23

Unutilised Grants from last year (D) 1,159,127.00

Income from other sources 7 1,865,528.91

Closing Stock 470,182.00

Total 15,948,586.99

Expenditure Schedule Rupees

Opening Stock 235,341.00

Expenditure in respect of properties

Repairs and Maintenance 67,068.00

Insurance 15,622.00

Depreciation 206,671.00

Legal Expenses 1,780.00

Audit Expenses 23,000.00

Miscellaneous Expenses 1,292.53

Depreciation 1 142,728.37

Amounts transferred to Reserve or specific funds 2 807,145.00

Expenditure on objects of trust

Rural and women 3 14,119,883.33

Surplus carried over to Balance Sheet 328,055.76

Total 15,948,586.99

We thank our auditors Samudra and Associates, Pune

www.chaitanyaindia.org

chaitanya annual report 2009-2010 v0.1

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