Case Study of Livelihood Pattern of a Poor Family

Case Study of Livelihood Pattern of a Poor Family

Livelihood Study of Poor Family.Livelihood is: A set of economic activities, involving self-employment and/ or wage employment.

By using ones endowments( human and material)

To generate adequate resources( cash and non cash)

For meeting the requirements of self and the household,

Usually carried out repeatedly and as such become a way of life.

a livelihood should keep a person meaningfully occupied.

in a sustainable manner.

with dignity

Livelihoods, therefore, go far beyond generating income. A livelihood is much more than employment.In present context, a number of us are meeting our daily physical needs by over exploitation and improper utilization of resources bestowed upon us by the nature. We hardly give an iota of thought to the needs of future concerns. We should ensure that resources are used on a sustainable basis.

Livelihood interventions must enhance the dignity of people, not just their income. Livelihood interventions could have different objectives like, creating assets, reducing risk or fluctuation in income, and enhancing the control of producers in their economic context. We need to make a systematic effort to identify the right choices, as livelihood interventions involve real-life action, real people and their lives. They are not laboratories where experiments can be made.Sustainable Livelihood

A livelihood is sustainable if it can cope with and recover from stresses and shocks, maintain or enhance its capabilities and assets, and provide sustainable livelihood opportunities for the next generation and which contributes net benefits to other livelihoods at the local and global levels and in the long and short term In 1989, Vijay Mahajan and Thomas Dichter proposed an alternative livelihood promotion strategy through a paper A Contingency Approach to Enterprise Promotion. They argued that promoting enterprises was complex and a better approach was to identify the bottleneck and work on that.Livelihoods, therefore, go far beyond generating income. A livelihood is much more than employment.In present context, a number of us are meeting our daily physical needs by over exploitation and improper utilization of resources bestowed upon us by the nature. We hardly give an iota of thought to the needs of future concerns. We should ensure that resources are used on a sustainable basis.

Livelihood interventions must enhance the dignity of people, not just their income. Livelihood interventions could have different objectives like, creating assets, reducing risk or fluctuation in income, and enhancing the control of producers in their economic context. We need to make a systematic effort to identify the right choices, as livelihood interventions involve real-life action, real people and their lives. They are not laboratories where experiments can be made.The role of MFIs as facilitator and enabler to provide sustainable livelihood opportunities to the rural economically challenged poor should be dulyAppreciated. BASIX has met the rural financial and non-financial demand in a very efficient way.

In the context of Micro Finance Institutions (MFIs), sustainable provisioning to the financial needs of the rural poor will help to achieve sustainable livelihood. The social and financial empowerment of the poor assists to exploit the livelihood opportunities on a sustainable basis. Hence, the MFIs should be concerned for financial self-sufficiency as well as social objectives.

Case Study:--

Reason behind selecting Sugana Bai for livelihood study:

1) Since this women has faced many difficulties in her life and in due course she has shifted from one source of income to other to meet family needs.

2) To study how a small financial support may improve livelihood of a person drastically, if that amount would be efficiently and effectively utilized in a particular enterprise.

Introduction of the borrower:

Miss. Sugana Bai is resident of Power house colony, Dist-Bundi. Earlier she and her husband were depend upon agriculture only she has just 20bigha agriculture land but due to division of the land she got vary small area for cultivation, so and per her family needs are concerned were not filled, so she went for some Kirana shop and she earns meagerly to satisfy the need of there family after the intervention of BASIX she is now self dependent and she has now own Kirana shop running as home delivery system..Family Details

SNNameRelationshipAgeSexEducationOccupation

1Sugana BaiSelf29F4 Kirana shop

2 Ganesh LalHusband33M6 Agriculture

3 Manishson11M 6Studying

4 DipuSon9M 5Studying

PastEarlier Sugana Bai was vary poor farmer she had just 20 bigha agriculture land in that condition she was unable to survive, she has whole family responsibilities including her family, her husband was working with him but after death of father-in-law their land was divided in two parts so in that moment she was getting vary small peace of land, which was not sufficient to run her family expenses, so she thought to work in some other way, she started to sell kirana items but due to less stock and money she was unable to deliver good services and good income to himself also. BASIX interventionON 27th May 2010, BASIX started its operation in Power house colony especially in slum areas with the help of CSR Brij Bihari Suman. Fortunately, the CSR started her operation in deprived market of Power house colony this area is mainly comprised of good NFS. Here he met with the Sugana Bai and narrated the concept of BASIX and the idea was clicked in that area and few women came together to form JLG everybody in a group has some activity, of there own for eg. Kabadi shop, mobile cloth shop, Tailoring and small kirana etc and in such groups Sugana Bai is One of them as she is working in as an part time Kirana items seller with minimum stock and money, initially when she applied for loan her stock was less to her loan amount but due to good credibility and good assessment of Filed Executive loan amount was recommended upto 20,000/- on 30 August 2010 she took the loan from BASIX amounting Rs. 20000(loan no.0006027) and started her business and paying the full amount along with interest on time. In the mean time her daily sale of kirana items is near about Rs.2000-3000/day.Her children are studying in good school and family status is improving day by day her husband is taking care of agriculture.

Sugana Bai is having own shop and full stock of kirana items now she is planning to purchase a freeze for summer season to meet out the market demand.

BASIXs RoleBASIX role in this context can be to assist him and persons like him who is truly a genuine ones dedicated to their occupation and have small plans to settle down in their line. The primary help could be financial aid but in the long term Spreading of Technical help on how to run successful activity and also to make safe investment and save some amount with resources also, market knowledge and Business Development Services etc

INCOME= EARNING EXPENSES There are two ways of maximum and minimum level of income.Either increase income by alternate source of income or reduce the unnecessary expenses by applying savings. INCOME= EARNING+ FINANCIAL SUPPORT There is another two ways of increasing income.Either increases earning by alternate source of income or go for some financial support

Sugana Bais choiceSugana Bai went for second option she increases her income by financial support from BASIX.