Posts

Showing posts from February, 2014

Link Worker Scheme

The Government of India estimates that about 2.40 million Indians are living with HIV (1.93 ‐3.04 million) with an adult prevalence of 0.31% (2009). For the readers, there is a popular myth that HIV, or AIDS is an urban disease. As per the HIV Sentinel Surveillance (HSS) of 2007, it was identified that 57% of the HIV-positive persons in India are estimated to be living in rural areas. Under the NACP III, Link Worker Scheme was designed for rural prevention and NACO implemented this program with the financial support of Global Fund through Lead NGOs. Link Worker Scheme was launched to saturate the reach of HIV-related services to high-risk groups based in rural areas. The scheme aims to build a rural community model to address the complex needs of rural HIV prevention, care, and support requirements. Under this scheme, a person who has been trained and has been made responsible for carrying out specific activities is called a Cluster Link Worker. I visited the field office of Humana ...

SHG Model and Financial Inclusion

SHG Model in India :  “The tipping point is that magic moment when an idea, trend, or social behavior crosses a threshold, tips, and spreads like wildfire.” ~ Malcolm Gladwell. This statement might have been just said on SHG (Self Help Group) movement in India. The rural landscape of India has mushrooming with SHGs. Formal credit system has, over the years failed to deliver in rural India. The transaction costs of the rural credit systems are very high and the system is plagued by non-performing assets. SHG were started as a  pilot project of 500 SHGs, by Nabard  in 1992, they grew slowly. SHG  are viewed today as an entry point in rural landscape for NGO, Bankers, government and even MNCs. Self Help Groups (SHGs) are informal associations of up to 20 women (their average size is 14) who meet regularly, usually once a month, to save small amounts (typically Rs 10 to 50) a month. Majority of SHGs are single-caste groups based on basis of neighbourhood and affinity...