Sampark conducts research studies on development issues such as sustainable rural livelihood systems, gender and leadership, natural resource management, social learning processes, microfinance and people’s organisations.
Sampark is involved in a wide range of action research to identify baseline felt needs and improve understanding of current practices; accordingly developing and delivering small scale interventions as pilot; then as a next step extending the geographic area with improved coverage and services and finally transferring learnings to other stakeholders through training and promoting awareness.
Study on Understanding Water, Sanitation, and Public Health Issues in the Semiarid Areas of Koppal District
|Health||Unsanitary living conditions. Mosquitoes and flies breed in large numbers. High levels of dust which cause frequent infections, lung diseases, and skin diseases amongst the workers. Inadequate security at construction sites. Inter-state workers go to the more expensive private hospitals since they cannot speak the local language. No maternity leave for women. Lack of awareness results in low levels of immunization for the workers’ children. Small children prone to accidents on the construction sites.||Awareness- Ø Preventive measures for HIV and AIDS Ø Health camps Ø Rights based linkages Ø Linkages to BCWWB and PHCs|
|Education||Migrant workers have low levels of education. Lack of a suitable system at the work site that can take care of the workers’ children while the parents are at work. Children of inter-state workers cannot study in local schools as studying a local language is mandatory. Constant mobility, and therefore the absence from schools, impedes the momentum for learning amongst the children.||Awareness- Ø Parents meetings Services- Ø Nutrition and health Ø Immunization Ø Day care centres|
|Financial Inclusion||Only 15% of the surveyed workers have formal bank accounts. Of these workers only 2% have bank accounts in their names in Bangalore. Lack of suitable documents and identification to complete the process.||Awareness- Ø Leader’s development Ø Financial Illiteracy Services- Ø Opening bank accounts|
|Social security, Laws, and Rights||Lack of suitable documents and identification due to which workers are unable to access relevant government schemes. Lack of awareness about BCWWB and its schemes amongst the workers, contractors and sub-contractors.||Awareness- Ø Labour Laws Ø Govt. Institutions and schemes Services- Ø Registration with BCWWB Ø Legal counselling Ø Placements Ø Formation of Trade Union Rights Based Linkages- Ø Linkages with BCWWB and NALSA centres Ø Linkages with trade unions|
Sustainable Life Insurance Products for Rural Areas: A Research Study in Karnataka for Design and Distribution of Life Insurance Product
- What kind of life insurance products do rural people ask for, and how can these products be sold on a sustainable basis in rural areas?
- Who will be the best partners for distributing insurance products in the rural areas and what are their distribution mechanisms?
To read more about this study click here. Both quantitative and qualitative analysis was used as part of the methodology. In a random sample, the study covered 580 households (from different economic categories) from nine taluks in Mandya, Mysore and Koppal. A total of 549 household survey data out of 580 was used in the quantitative analysis. Qualitative discussions were supplemented and triangulated with quantitative data collected from households. Interviews and group-discussions were conducted with SHGs, SHG federations/ co-operatives, Gram Panchayat members, village key informants, NGOs, cooperative bank, postmen, local insurance agents and teachers to understand the potential for the distribution of the insurance product. The key points to be considered while designing new products:
- The value of the policy can range from Rs.5000 up to Rs. 2 lakhs.
- The term period can have options of 5 years, 10, 15 and 20 years.
- A one- time premium should be acceptable, as in the existing product, but it should not exceed Rs. 5000 as this would be beyond the means of the buyers.
- Half-yearly and yearly premium options can be included as key options.
- Benefits of accident/ serious health cover, death by snake bite can be allowed.
- The company must equal the LIC product in terms of maturity and bonus value even if it can’t be better than the LIC product, as otherwise, it would be very hard to push sales.
- The offer of sum assured should be equal to what the policy holder pays during the term period.
- There should be a provision for taking loans, and a low interest rate on loans. The loan amount should be to the extent of 70% of the total premium amount paid by the policy holder up to the time of applying for the loan.
For distribution of the product: Considering the positives and negatives of potential partners, these would be our recommendations, in order of preference:
- NGOs (SHGs are considered as part NGOs)
- SHG Cooperatives/ Federations
- Local agents
As people are wary about private companies, a good way to establish the trustworthiness of the insurance company is by working through NGOs. Entering into partnership with these organizations and expanding the distribution channel is a good option. NGOs can network with local individuals and institutions to reach out to a large number of families in all the districts.
- To what extent do Government of India (GoI) micro-credit policies articulate women’s empowerment concerns?
- Do the design and implementation of the four major micro-credit programmes enable women’s empowerment?
- What lessons about the design of policies and programmes can be learnt from NGO-led micro-credit experiences?
To learn more about this report click here. KEY FINDINGS: POLICY and PROGRAMMES
This study analyses the National Policy for Empowerment of Women (2001), the Tenth Five-Year Plan, the Union Budget, the RBI Credit Policy, as well as the four major public micro-credit programmes: SGSY, Swayamsidha, Swashakti and RMK. An analysis of policies and programmes demonstrates the following points:
- Policies link women’s empowerment to micro-credit, but there is no means of measuring if women are empowered as a result of these policies and programs.
- Micro-credit programmes have differing levels of focus on women’s empowerment
- Programmes differ in administrative capacity
- Impact studies make it difficult to compare programme outcomes
KEY FINDINGS: NGO EXPERIENCES
- Women must have control over productive resources and decisions
- Development strategies for SHGs must be planned with an empowerment perspective
- Women have credit needs which current microfinance programmes do not meet
- Access to own savings is critical for poor women
RECOMMENDATIONS The recommendations at the policy level are as follows:
- If empowerment is accepted as a policy goal, the costs of enabling that empowerment must be reflected through a direct budgetary commitment.
- National policies should include appropriate indicators of women’s empowerment, which each department and program can report progress against.
- Streamline government programs
- Micro-credit programmes must include strategies and funding for building the capacity of SHGs to manage savings and credit, augment vocational skills and promote enterprise.
- Design a wide range of financial products and services to meet the needs of poor women.
- The research team has done exercises to understand the research and ALS guide lines provided by the CDE.
- Studied and analysed rural livelihood approaches developed by DFID, CARE, Urs Wiesmann and Swiss National Science Foundation (nine square manadal), CDE (ALS). These analyses has been documented and made ready for publishing in journals.
- Two of the Sampark’s research team planned ALS workshop internally. Then they worked with field staff and people in the 7 villages of Koppal district where Sampark is working to make understand the concept and purpose of the ALS workshop. Through participatory exercises Bikanhalli village is selected as place to conduct 3 weeks workshop on ALS.
- The Research team visited CDE, Switzerland to share the ALS workshop plan and present the three years of research that had been conducted. It was confirmed that a 19 day workshop would be conducted in Bikanhalli village, Koppal. The participants for this workshop would be village people (men & women), development workers with the expertise and experience in agriculture, agronomy, forestry and dairy etc.
Sampark Explored Gender and Leadership for Sustainable Natural Resource Management in semi-arid rural areas of North Karnataka as part of the research on Sustainable Rural Livelihood Systems and Natural Resource Management.
- Class wise production and marketing of milk in DCS villages
- Preferences of non-pouring members
- Non flood villages
- A significant difference between the number of people who are members of a DCS and the number of pourers.
- A preference for pouring to DCS than private vendors c
- Creation of a market for milk in DCS villages due to the existence of dairy cooperatives
- Creation of considerable assets by consolidation of DCS profit
- systematic management of dairies at district level
- People’s perception of the benefits of DCS: as an economic activity; is on par with agricultural earnings; and, helps to develop saving habit due to regular cash flow