Development of Women and Children in Rural Areas (DWCRA)- A Microfinance
Success Story in Andhra Pradesh
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ICMR HOME | Case Studies Collection
Case Details:
Case Code : ECON011
Case Length : 14 Pages
Period : 1980 - 2003
Pub Date : 2003
Teaching Note : Available
Organization : Development of Women and Children in Rural Areas (DWCRA)
Industry : Microfinance
Countries : India
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ECON011) click on the button below, and select the case from the list of available cases:
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Please note:
This case study was compiled from published sources, and is intended to be used as a basis for class discussion. It is not intended to illustrate either effective or ineffective handling of a management situation. Nor is it a primary information source.
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Functioning of DWCRA Contd...
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In addition to implementing welfare schemes for rural
women, DWCRA also aimed at involving the women in development activities
by organizing them into groups. Besides, it focused on social issues
such as health, education, sanitation, nutrition and safe drinking water
in rural areas (Refer Table I for objectives of DWCRA).
The administrative set-up of DWCRA involved five levels - village,
block, district, state and national (Refer Figure I). At the village
level, self help groups (SHGs) popularly known as DWCRA groups were
formed. Generally, each DWCRA group had 15-20 women members. Every group
chose a leader, called the organizer, who conducted group meetings and
maintained the group's accounts. |
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Initially, the focus of the groups was on saving money. Most
of the groups started with the motto - 'save a rupee per day.' Every month, the
savings were deposited at the post office or in the banks.
The groups also extended credit to needy members from their savings. While in
general, DWCRA groups met once a month, some groups got together more often.
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At these monthly meetings, groups decided on the
targets regarding the amount to be saved, the rules and regulations
regarding loans, and the interest rate charged on the loans. A group
which successfully achieved its savings target became eligible for
availing of credit from the bank for starting income generation
activity. Based on their skills, the group members collectively decided
on the income generation activity that they would undertake. At the
monthly meetings, these women also discussed their problems and tried to
find solutions. The state government deployed a gram sevika (village
coordinator) for every village to oversee the implementation of the
DWCRA program. |
The DWCRA program was funded by both the central and the state governments in
the ratio of 75:25 respectively. In addition, every DWCRA group could avail of a
revolving fund4 of Rs 15,000 to meet its
capital expenditure such as purchase of machinery.
The total amount of the revolving fund was shared equally by both the central
and state governments. In 1994-1995, the amount was increased to Rs. 25,000...
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