Financial Support for small business

Through Livelihood support change in  status of life beneficiaries after one year of support

In our working area Azamgarh District livelihood support had been given to the 91 beneficiaries. In which 96% beneficiaries are from SC and 4% from other Hindu community. Considering their social and Economic status they were provided support through livelihood. After completion of one year an assessment in the month of Sept.2019 was done to the change in their social and economic status. Data of all 91 families was collected through format by the coworkers. On the basis of collected data analysis was done which are as follows: -

• Social and Economic status of the families before support: -

Annual income

Loan Status of the families

• After analyzing of data it was found that 44% families were taken loan whether 56% had not taken loan but their economic condition was pathetic.

Kind of support provided

• After analyzing the data it  is observed that 53 % were supported goat for livelihood.18.5% for trolly,6% shops and 23 were supported for labour work 

Status of the families after support

• Increment in the income of the families-

It is observed that about 87% families’ income has improved five thousand to twenty thousand per year and 11% families are between 21000 to 40000 per year. 41,000 to 60000 and 61000 to 80000 families’ income was increased only 1%.

Impact of support is seen only in those whose income are between 5,000 to 20,000. It is less because of fulfilling of other financial liability.

• Status of loan taken this year: -

It is observed that 56% families have taken loan even after our support but 44% had not takenloan because of support.

• Reason for taking loan: -

Description of taking loan: -

 It seen that maximum 41% families were not taken loan because of support. Reason for taking loan 13% families have taken loan because of marriage for their daughters and 30% have taken  to meet the dire medical emergency in the families and rest have taken for different -different needs.

• Increment in their capital: -

57% families has accepted that after support their capital has increased however  10 % said No and 33% beneficiaries were found stable.

• Status bonded and freed labors before linking in the program: -

Before linking the program 44% bonded labor and 56% freed laborwere observed.

• Present status of bonded and freed: -

90% beneficiaries were found freed from bonded labor and only10% were found bonded labor. This improvement has seen because of awareness and support.

• Status of child labour in the families before linking in the family: -

Before linking in the program 79% families had not child labor and 21% families had child labor in the family.

• After linking in the program status of the child labor in the family: -

After linking in the family there is only 5% child labor is found and 95% families have not child labor.

• Status of Exploitation/torture of beneficiaries before linking in the program

Out of 91 beneficiaries 6 told that yes that they had been exploited, 80 said No they were not and 5 said that it was never been with them.

• Status of Exploitation/Torture of beneficiaries after linking in the program

Out of 91 beneficiaries only 2 have accepted that they are being torture sometime and 89 beneficiaries denied.

• Status of fear before linking in the program

Out of 91 beneficiaries 89 told that they had no fear and 2 beneficiaries accepted that they had fear.

• Status of fear after linking in the program

87 beneficiaries replied that they have not any fear whether 4 beneficiaries have accepted that they have fear.

• Opportunity to reach the business before linking in the program

Opportunity to reach the business 51% said no they had not,42% beneficiaries told that they had opportunity ,7% beneficiaries told that they had but some time and 3 told that they had never.

• Opportunity to reach the businessafter  linking in the program

55% beneficiaries told that they have opportunity,34% told no they have not and 11% told that they have but some time.

• Availability of capital of beneficiaries during linking in the program

27% beneficiaries replied that they had availability of capital,55% told they had not availability and 18% they had but very time.

• Availability of capital of beneficiaries after linking in the program

42% beneficiaries replied that they had availability of capital,33% told they had not availability and 25% they had but very less.

• Benefits of govt. schemes to families of beneficiaries before linking with employment

Before linking with employment 44% families had benefits of govt schemes but 66% had not any benefits of govt. schemes.

• Benefits of govt. schemes to families of beneficiaries after  linking with employment

After linking with employment 75% beneficiaries have benefits of govt. schemes however 25% beneficiaries have not benefits of govt. schemes.

• Condition of house of beneficiaries before linking with employment

Before linking with employment 8% beneficiaries had cemented house, 12% had semi cemented and 80% had mud house ( kaccha house).

• Condition of house of beneficiaries after linking with employment

After linking with employment 19% beneficiaries had cemented house, 14% had semi cemented and 67% had mud house ( kaccha house).

• After linking with employment on which head families had spent more?

It is observed that 56% familieshad spent most over health and illness, 12% spent over marriage and 32% had spent over food and education.

• If you were not linked with employment then how would you managed your such expenses?

In response of the e above mention question 1% family replied that he would manage his by agriculture,41% replied that they would manage by doing Laboure work,44% would manage through loan however 14% families were not able say anything.

• Status of the families receiving ration from Govt.Ration center

            88% families are taking ration and 12% area not taking ration.

• Do Children below 14 years in the families attending school?

It is observed that 85% children below 14 year in the families are attending the school, 10% in families children are not attending school however among 5% families it is not applicable.

• Status of cattle rearing by the families

It is observed that 75% families are rearing cattle and 25% families don’t have cattle.

• If, yes then value of the cattle

The above tables itself explanatory about the 68 families having cattle and their values. Most of the families having cattle between value of Rs. 1000 to 20000/- how ever very few families have cattle more than Rs.20,000 and 9% families were not able to tell the value of their cattle.

• In coming 5 years which expense is most expected except food?

In response of asking about expenses in next five years 23% families told on construction of house,4% on health,45% on marriage,7% on  admission,8% education of their children and 16% families were not able to tell anything about expenses.

• Entitlement Govt.schemes which is yet to be received?

After analyzing the data it is observed maximum 33% families are deprived from Awas Yojana (House) of govt.rest families are deprived from other schemes which are mention on table.

• Do you want to provide job-oriented education to your children under 18 years?

In response above question 24% families are to provide job oriented education to their children, 46% families are not interested however 30% families are out of the criteria.

• If yes then what type training do you need to provide?

68% families are interested in mason 14% are in plumber however 18% families are interested in self-employment with their traditional business.

• Will you encourage other people like you for employment?

In response of above 77% families said yes,15% said No and 8% families are not able to tell anything.

• Do they have bank Account?

98% families have their Bank Account however 2% families do not have Bank Account.

• Do you deposit money in saving account?

61% families are regular in depositing saving in their account, 13% families are not depositing however 26 families depositing but not regular basis.

• Have you any member of your family in SHG or CVC?

68% families have member in SHG ,2% families have however 19% families said they have member in CVC.

• Did any member in your family worked in MNREGA during the year?

24% members of the families had worked in MNREGA and 76% had not worked.

• Will your family participate in forthcoming Panchayat election?

30% families said yes they will participate in forthcoming election however 70% families had denied that they will not participate.

• Status of migration of the family before support?

34% families had accepted that there was migration in the family but 66% families said no there was no migration.

• Status of migration in the family after support?

It is observed that 20% migration is still in the family however in 80% families there is no migration.

The above analysis has been done on the basis of data collected by the staff of ROSA to know facts of improvement of beneficiaries. It will give clear picture to us and that will help in further planning. This also a road map and to understand people in various aspects.

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