Member Organisation
Members of the Inafi India network, particularly development NGOs engaged in addressing poverty through multifarious interventions and one among them is microfinance services. Members don't run pure financial services institution for delivery rather establish alternative financial institutions based on community ownership such as Self Help Groups (SHGs) and cooperatives and promote bank linkage. Members adopted either microfinance + plus or plus microfinance approach with microfinance preceding other development work or development interventions succeeding microfinance intervention. Members also recognize that the microfinance programmes have been contributing a great deal to the continuity, stability and sustainability of the development operations. What is more, it is building and strengthening social capital. Leveraging social capital generated by microfinance operations has been the distinct feature of the Inafi members’ work for larger development intervention involving health, education, gender empowerment, livelihoods, etc. It is, therefore, not fair nor just to capture only the microfinance numbers on the portfolio which would not be a true reflection of the members work in addressing poverty. It is felt necessary to write about the members work briefly beyond microfinance.
Prime Members
Aga Khan Rural Support Programme (AKRSP)
AKRSP is working in 1600 villages in three states – Gujarat, Madhya Pradesh and Bihar with major emphasis on natural resource management and farm based livelihoods is agricultural programme covering vegetable cultivation and dairy remains flagship programmes. AKRSP is also engaged in promotional health programme with a project on potable drinking water. They are also working in education programme with learning support centers for children at the age group of 6-11 years. The agricultural livelihood programme reaches more than 20,000 farmers.
Action for Social Advancement (ASA)
A is essentially livelihood promoting organisation for the poor people through natural resources development and farm based livelihoods. It operates in states of Madhya Pradesh and Bihar covering more than 1000 villages with outreach of 1,20,000 families. Microfinance is embedded in the water resources development through minor irrigation, system of rice intensification (SRI), agri business promotion for small and marginal farmers through Producer Company and capacity building of poor communities in the livelihood systems. So far, 6 producer companies have been promoted. ASA is also involved in irrigation management through participatory approach and runs farmers’ field school.
BAIF Development Research Foundation (BAIF)
BAIF is primarily focused on promoting and advancing rural and tribal livelihoods. Microfinance programme based on SHG and cooperative system has been initiated to support main activity of livelihood. BAIF is working in -9 states with its celebrated Wadi model for tribal population which is an orchard component and marks the significant contribution to the development sector. Cattle improvement programme, gender empowerment and mainstreaming, value addition for farm products and marketing support are among the important development interventions.
BAIF is reaching more than 4.4 million families spread over 80,000 villages in 16 states from Maharashtra to Tripura, Bihar to Punjab and its cattle improvement programme has reached almost 1 million cows and buffaloes. Its water conservation programme covering 3.4 million hectares and benefiting 1.2 lakh families has resulted in improving crop production by 30-35%. Under Wadi programme 62,500 hectares have been upgraded and transformed into fruit orchards reaching 2 lakh tribal families in 9 states.
BAIF is adopting holistic approach for rural in creating, enhancing and sustaining livelihood opportunities by maximizing utilization of locally available resources. Besides Wadi, sericulture has been promoted for tusser silk in Maharashtra. Another significant initiative under livelihood is the agri business with the promotion of Producer Company called Vasundhara
Agri - Horti Producer Company Ltd (VAPCOL) with the membership of 49 tribal producer cooperatives in Maharashtra, Karnataka, Rajasthan, Madhya Pradesh and Chattisgarh states. Women empowerment with special focus on health care, sanitation and capacity building is being promoted and the SHG members take part in this process. Community health services are being promoted in rural areas by BAIF focusing on health education of women and children.
Centre for Community Development(CCD)
Centre for Community Development is working in Gajapathy district of Odisha, reaching out to 673 tribal and rural villages especially focused on promoting livelihood for women and their economic empowerment. CCD is promoting women enterprises. It is also involved in natural resource management.
DHAN (Development of Humane Action) Foundation
DHAN Foundation seeks to address poverty through multiple development programmes. The Foundation is working in 13 states reaching nearly a million poor. Microfinance and water are the two flagship programmes of Dhan. Kalanjiam Community Banking programme is a microfinance centric developmental model with emphasis on organizing unorganised poor, building institutions of SHGs and federations, promoting bank linkage for financial services and initiating other development interventions to address multiple dimensions of poverty. The Self-help Groups and federations of Kalanjiam Community Banking programme, besides, microfinance including savings, credit and insurance, have been focusing on livelihoods, promotion and deepening health intermediation, total sanitation. The health intermediation has following components:
- Reducing anemia among mothers and adolescent girls
- Reducing malnutrition among children
- Reducing morbidity among mothers and children
- Increasing health seeking behavior among poor households involving self-help governance process and linkage with the primary health centres and sub-centres more importantly behavior change communication.
- As part of health programme, sustainable health care advancing scheme (Sugam) has been initiated for providing quality and timely health care services at affordable cost.
- They have opened two hospitals one at Theni and other at Madurai. For this purpose, with people ownership.
Health intervention also covers HIV/AIDS awareness, prevention and treatment under the ART framework. The federations of Kalanjiam Community framework are working with DRDA for promoting total sanitation project and for clean water.
Grameen Development Services (GDS)
GDS is essentially livelihood promoting organisation for the rural poor working in the states of Uttar Pradesh, Rajasthan and Bihar. The basic framework for livelihood promotion depends on the SHGs and its networking as federations. As a part of livelihood initiative, GDS is also propagating SRI system of rice intensification. Gender empowerment and mainstreaming is another important part of development intervention of GDS while working with SHGs and its federations. GDS acts as a livelihood resource institution for many small and upcoming NGOs in eastern UP, Rajasthan and Bihar.
Institute of Integrated Resource Management (IIRM)
IIRM is working in two northeastern states of Assam and Arunachal Pradesh with its primary objective being science and technological support for livelihood, particularly farm based and also welfare programme for the poor. SHG framework is adopted for the microfinance programme for sustaining the livelihoods. As part of its livelihood initiatives, IIRM is supporting dairy units, piggery and duck rearing. Technology based livelihood support programme, particularly vermin compost supporting improved agronomy practices for medicinal plants, community forest and also low cost technology transfer for sustaining agriculture. As part of the welfare programme, it runs family counseling centre to facilitate women to address the issues of health and education. It is also involved in promoting handicrafts programme in two clusters in Assam for encouraging local artisans.
Integrated Village Development Project (IVDP)
IVDP seeks to address the poverty of women through socio economic development process under the SHG framework for women. Besides the livelihood focus for the SHG members, IVDP is working on water, sanitation including safe drinking water, hygiene and housing for poor. Under the livelihood initiative, it is focusing on promoting micro enterprises for women. Under its primary education initiative, IVDP runs a school for 200 children comprising mostly of girl children from deprived and marginal community of scheduled tribe. As many as 1 lakh houses have been constructed and renovated for SHG women. During the year 2010-11, scholarship and educational materials, accessories support programme amounting to Rs.2.5 crores have been distributed.
Jan Chetna Sansthan – JCS
JCS is working in 106 villages of Sirohi district of Rajasthan state with women empowerment as primary focus. Livelihood, panchayat governance are other priority areas besides microfinance under the SHG federated framework. Leveraging the social capital of the SHGs, JCS is promoting farm based livelihoods, particularly horticulture and dairy for the women members of SHGs. The goal of the dairy is to have a network of producer companies connected through a supply and value chain and under the horticulture, JCS is aiming to encourage members for value addition of the horticulture produce for better marketability and pricing. The empowerment is focused particularly on economic empowerment and strengthening the governance with its SHG members in predominant tribal areas.
Jagriti Sewa Santhan - JSS
JSS is working in 135 villages in Raipur district of Chattisgarh state with primary focus on women empowerment through SHG model and access to financial services, better local governance at the Panchayat level through social audit. Promoting livelihoods for the SHG members, particularly animal husbandry based and fisheries has been another important area of intervention. JSS has so far promoted around 300 SHGs.
Kutch Mahila Vikas Sangathan (KMVS)
KMVS works for the holistic empowerment of women in Kutch district of Gujarat and support right based approach for empowerment. Building life oriented literacy, reproductive health with focus on reducing maternal and infant mortality rates, health awareness and literacy focusing institutional delivery for women and capacity building of women involved in preserving and advancing the traditional skills particularly embroidery are the interventions. KMVS works with more than 1500 artisans to promote the traditional art and livelihood. Recently, KMVS has initiated a district level platform for urban women namely Sakhi Sangini to raise their voices so as to work on the priority issues. Housing for urban poor is also the focus and part of this work. Another important initiative is on fisheries related livelihood activity and 4 federations namely Ujjas Mahila Sangathans have been promoted.
Margdrshak Seva Sansthan (MSS)
MSS is working in 230 villages in Sarguja district of Chattisgarh state with multiple development intervention include – promotion of Gram Sabha for self-governance, formation and strengthening of village level people’s organisation, promotion of women self-help groups for the empowerment of women, early childhood and primary education, promotion of child rights & human rights, community health with focus on women and children, working with persons with disability, watershed management programmes, development of agriculture, conservation of natural resource for better livelihood & environment etc. MSS is organizing a campaign for meaningful and effective implementation of Mahatma Gandhi National Rural Employment Guarantee Act (MNREGA), raising awareness in the Gram Sabha on MGNREG and building capacity of the panchayat members and working towards wider transparency and accountability of NREGA work plans. It also conducted campaign for tribals under forests act for their entitlements. As part of the livelihood initiative, MSS is involved in collection of and proper marketing of non-timber forest produce for the tribal communities and is working towards reviving and reinvigorating some of the NTFP tribal societies. MSS has also been spearheading movement for conserving natural resources in the forest area near Kantarori village. The health initiative of MSS is focusing on early childhood care and development. 50 early childhood development centres are run by MSS reaching more than 1000 children of which 450 are girls.
Modern Architects for Rural India (MARI)
MYRADA
Sanghamithra Rural Financial Services
Sanghamithra is the part of Myrada family which is a well-known development organisation with long track record of development work across the development spectrum - natural resource management, livelihoods, health and education programmes. Sanghamithra is delivering micro credit services to the self-help groups promoted by Myrada and also other NGOs. Sanghamithra Rural Financial Services is involved in financial access for micro credit for both urban and rural contexts with specially designed programmes and packages focusing on development. Sanghamithra is working in the states of Karnataka, Tamilnadu and Andhra Pradesh, reaching more than 20,000 self-groups. Myrada has been working on graduated self-help groups and its federations as a localized resource centres for further group promotion and expansion.
Nav Bharat Jagriti Kendra (NBJK)
NBJK is pursuing integrated model of development, focusing on the deprived communities touching upon livelihood, education, health services and leadership. It is operating in states of Jharkhand and Bihar. In education, NBJK runs a Bridge Camp School for the benefit of girls students of scheduled Caste and Tribes, 100 remedial coaching centres in 69 villages benefiting around 4000 students. Further, 9 primary education centres have been started in Patna slum area, besides its Spandan initiative for providing education to children with cerebral palsy and mental retarders. As part of its health programme, NBJK established two eye hospitals namely Lok Nayak Jayaprakash hospital in Paherd village of Hazari Bagh district and another one in Santal village of Pargana district providing quality eye care services. Through its PRAYAS programme, NBJK seeks to provide improved sexual reproductive health status and to reduce vulnerability to HIV of children. Clean water, sanitation, hygiene are part of its health programmes to improve the overall sanitation and civic amenities. As a part of its sustainable livelihood promotion, farm based/well construction system of rice intensification, vermi composting, lac cultivation, horticulture plantations for tribals and social forestry. The livelihood activities reach out to more than 700 families in the district of Hazari Bagh.
People's Education and Development Organization (PEDO)
PEDO is working intensively in the district of Dungarpur, Rajasthan reaching more than 50000 tribals with its programme intervention targeting the predominant tribal population in the district. Women development programme and education for tribal children are early initiative of PEDO in the district. PEDO’s education programme has led to starting of day school for children with community participation, which was later linked to the Government school system. As part of its health initiative, PEDO has undertaken guinea worm eradication programme. PEDO also has worked on a social forestry programme with the objective of restoring severely degraded lands. Both the common lands and –lands were regenerated with the participation of women. Appropriate method of water harvesting and soil conservation measures have been undertaken by PEDO.
People’s Rural Education Movement (PREM)
PREM is working in 4 states – Odisha, Chattisgarh, Jhakhand and Andhra Pradesh reaching more than one lakh poor families. As its name suggests – PREM is committed to and involved in promoting education among the unorganized and marginalized poor people, particularly tribals for creating awareness, developing skills and to foster talents. As for education, PREM is implementing Child Centered Community Development in partnership with PLAN for more than two decades in the tribal pockets of Odisha. Microfinance is an important element of organizing the communities under SHG framework and building financial sustainability. Besides vocational education for the wards of the PREM’s programme participants, PREM is also involved in disaster preparedness. Another major initiative is in the health front where clean water and sanitation has been integrated with community microfinance eco system. Livelihood initiatives for the tribal people has been another focused area, wherein PREM organises tribal oriented activity and products and help them in marketing their products.
Pragathi Seva Samithi (PSS)
PSS is working in 286 villages of Warangal district of Andhra Pradesh with focus on livelihood activity, particularly farm based, women empowerment and education programme. Water shed development for soil and water conservation, thereby promoting sustainable agriculture receiving priority attention under the livelihood promotion and so far 11 water sheds have been developed and conserved. Women empowerment is the primary objective of the microfinance programme whereby beyond micro credit, whereby PSS has been focusing on leadership development, governance and economic social empowerment of women. Networking the SHGs as federation has given the needed social capital for the scale advantage under livelihood promotion and also in empowerment process. Under the education programme, PSS is supporting financially the students studying 10 + 2 by giving scholarship of Rs.6000 per year. So far, 2400 students have been benefited. As part of livelihood promotion, dairy development programme has been initiated recently for ensuring income security for the women members of the SHGs.
PRERAK
PRERAK is working in 383 villages of Raipur district of Chattisgarh state, primarily focusing on empowerment of women and to meet the basic needs – food, shelter, health and education. To achieve this primary objective, PRERAK has adopted SHG model for organizing the community and now working with 310 self help groups comprising 3600 members and 600 disabled people. Currently, it is running two livelihood related programmes, community based rehabilitative programme and integrated education for visually handicapped people.
Shramik Bharathi
Shramik Bharti based at Kanpur is working in the districts of Kanpur and Ramabhai Nagar of Uttar Pradesh reaching out more than 50,000 families. The mission of Shramik Bharti is empowerment of poor and under privileged realize the mission at works in a three thematic areas – livelihood, microfinance, community health, promoting grassroots democracy. Its livelihood intervention covers sodic land reclamation for bringing more areas under cultivation and productivity improvement, promoting sustainable agriculture, eric silk promotion through SHG approach. The microfinance generated in the SHGs support the livelihood activities and its sustainability. The Centre for Community Health of Shramik Bharti is promoting safe motherhood with the focus on institutions delivery, eye care and rehabilitative, HIV aids awareness, clean water and sanitation, school sanitation and promoting wellness of the girl child. Under the sustainability and land reclamation programme, Shramik Bharti is working with 3000 farmers and Eri silk promotion project reached more than 500 silk worm farmers. Women and leather artisans were supported in the slums for remunerative prices for their products namely whips and hunters. The community health programme reached more than 1500 pregnant women through Village Health Guides for safe motherhood and home based life saving skills for mothers for reducing the maternal mortality. Shramik Bharti is involved in school sanitation and clean water promotion programme in 25 schools covering 4500 children.
South Indian Federation of Fishermen Societies(SIFFS)
SIFFS adopts multi disciplinary approach to promote and protect the livelihood of fishermen with traditional artisanal crafts. It is a sort of end-toend solution/ support for the artisanal fishermen in providing boats, supply of inboard and outboard engines, nets and other fish gears, marketing and organizing financial services. The supply of inputs and fish marketing by SIFFS has come to liberate fishermen from the clutches of middlemen, merchants and money lenders. SIFFS works in 5 states and reaches more than 30,000 fishermen by organizing village cooperatives and district level federations.
SIFFS is involved in building and advancing the skills of the fishermen and their wards for alternative occasions also particularly the computer education with the computer skills. Further, as a measure of alternative employment for fishermen families, SIFFS is also working on promoting and strengthening the fisherwomen livelihoods to diversify their economic activity at individual and community level women self-help groups and their federations has been formed and alternative livelihood activity is encouraged.
Shree Kshetra Dharmasthala Rural Development Project (SKDRDP)
SKDRDP is working very intensively in 15 districts of Karnataka reaching 3 million families. SKDRDP as a development organisation is engaged in promoting farm based livelihood as its major intervention and the microfinance under the frame work of self-help groups is integrated into the livelihood programmes and activities. Its multifarious intervention in agriculture encompasses multiple interventions in promoting and supporting farm based livelihoods such as labour share in farming among the smaller and marginal farmers, promoting vegetable cultivation, water shed development programme. Another significant approach of SKDRDP is the SIRI approach (Shri Dharmasthala Siri Gramodhyoga Samasthe). SIRI project has been supporting group enterprises of women in food items, textiles, rexin bags, chemical items including cleaning material, etc. The SIRI initiative has benefited more than 3500 groups. Under the sustainable farming initiative, organic farming, water harvesting and waste land development project are being undertaken alongwith water and soil conservation. As part of its education programme, SKDRDP runs awareness programme on socially relevant issues through camps, campaigns, etc and also provides infrastructure support to rural schools for an enabling environment for education in the primary schools.
Urmul Trust
Urmul Trust is operating in the desert districts of Rajasthan with its headquarter in Bikaner. The primary focus of the work has been livelihoods promoting and preserving the local handicrafts, natural resource management, health and education. Urmul Trust has a larger dairy project as a major livelihood activity for the desert districts reaching 30,000 members/farmers. Urmul Trust supports the traditional handicrafts in the desert districts, particularly the embroidery, which is unique. The embroidery work is well received in the domestic and overseas market.
Yuva gram vikas mandal
Microfinance Profile of Members
Outstanding Savings
Name of the Organisation |
No. of savings account with SHGs/Coops/Banks |
Amount of savings outstanding (in million) |
Action for Social Advancement (ASA) |
-- |
0.56 |
Aga Khan Rural Support |
7,900 |
4.6 |
BAIF Development Research Foundation |
90,597 |
87 |
Centre for Community Development |
7,533 |
6.6 |
DHAN Foundation |
446,000 |
1,721 |
Grameen Development Services(GDS) |
-- |
15 |
Integrated Village Development Project (IVDP) |
136,288 |
1800 |
Institute for Integrated Resource Management |
792 |
0.5 |
Jan Chetna Sansthan |
766 (SHGS) |
8.3 |
Kutch Mahila Vikas Sangathan |
5,500 with Coops |
8.5 |
Margdarshak Sewa Sansthan |
3450 |
0.56 |
MYRADA |
-- |
-- |
Nav Bharat Jagriti Kendra (NBJK) |
8,400 |
25 |
People’s Education and Development Organisation (PEDO) |
37,281 |
103 |
Peoples Rural Education Movement (PREM) |
41,854 |
43 |
Pragathi Seva Samithi |
18,600 |
02 |
Shramik Bharti |
3,200 |
36 |
Shri Kshethra Dharmasthala Rural Development Project (SKDRDP) |
134,000 |
1,376 |
South Indian Federation of Fishermen Societies |
4,728 |
10.9 |
Outstanding Loan
Name of the Organisation |
Number of loan accounts |
Amount of loan Outstanding(in million) |
Action for Social Advancement (ASA) |
3,800 |
14.8 |
Aga Khan Rural Support Programme (AKRSP) |
6,100 |
10.5 |
BAIF Development Research Foundation |
90,957 |
110 |
Centre for Community Development |
4,569 |
22 |
DHAN Foundation |
454,580 |
3,149 |
Grameen Development Services (GDS) |
7,470 |
18 |
Integrated Village Development Project (IVDP) |
Sangha |
1,480 |
Institute for Integrated Resource Management |
1,715 |
5.7 |
Jan Chetna Sansthan |
1,778 |
11.4 |
Kutch Mahila Vikas Sangathan |
1,190 |
9.5 |
Margdarshak Sewa Sansthan |
30 |
0.01 |
MYRADA (Sangha-mithra) |
1,26,750 |
795 |
Nav Bharat Jagriti Kendra (NBJK) |
7,200 |
57 |
People’s Education and Development Organisation (PEDO) |
17,157 |
88 |
Peoples Rural Education Movement (PREM) |
39,752 |
10 |
Pragathi Seva Samithi |
20,230 |
189 |
Shramik Bharti |
15,270 |
44 |
Shri Kshethra Dharmasthala Rural Development Project (SKDRDP) |
5,120 |
4,893 |
South Indian Federation |
4,354 |
97 |
Micro Insurance
Name of the Organisation |
Micro insurance |
|||
|
Type of risk cover and its coverage |
|||
|
No. of people |
No. of people |
No. of coverage |
No. of coverage |
Action for Social Advancement (ASA) |
6,100 |
Not yet |
Not yet |
Not yet |
Aga Khan Rural Support Programme (AKRSP) |
Not yet |
Not yet |
Not yet |
Not yet |
BAIF Development Research Foundation |
3,042 |
2407 |
Not yet |
Not yet |
Centre for Community Development |
412 |
Not yet |
Not yet |
Not yet |
DHAN Foundation |
576,000 |
93,700 |
8,300 |
19,140 |
Grameen Development Services (GDS) |
Not yet |
Not yet |
Not yet |
Not yet |
Integrated Village Development Project (IVDP) |
All people |
Not yet |
Not yet |
Not yet |
Institute for Integrated Resource Management |
600 |
600 |
500 |
Not yet |
Jan Chetna Sansthan |
1,778 |
Not yet |
Not yet |
Not yet |
Kutch Mahila Vikas Sangathan |
2,500 |
Not yet |
300 |
Not yet |
Margdarshak Sewa Sansthan |
Not yet |
Not yet |
Not yet |
Not yet |
MYRADA (Sangha-mithra) |
Not yet |
Not yet |
Not yet |
Not yet |
Nav Bharat Jagriti Kendra (NBJK) |
1500 |
Not yet |
Not yet |
Not yet |
People’s Education and Development Organisation (PEDO) |
Not yet |
Not yet |
Not yet |
Not yet |
Peoples Rural Education Movement (PREM) |
978 |
Not yet |
Not yet |
Not yet |
Pragathi Seva Samithi |
18,500 |
Not yet |
Not yet |
Not yet |
Shramik Bharti |
1,800 |
Not yet |
Not yet |
Not yet |
Shri Kshethra Dharmasthala Rural Development Project (SKDRDP) |
2,79,825 |
16,60,185 |
18,882 |
Not yet |
South Indian Federation |
15,225 |
16,60,185 |
18,882 |
Not yet |
Member's Directory
Current Board of Directors
Shri Julian Teelar |
Shri Jacob Thundyil |
Shri Devilal Vyas |
Shri S K Dwivedi |
Shri Dhattatreya |
Shri Apoorva Oza |
Dr L H Manjunath |
Mrs. Richa Audichya |
Shri Satish Girija |
Shri Ashis Mondal |
Shri Vivekanand N.Salimath |
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