The Kits prepared by the enterprises under Startup Village Entrepreneurship Programme were served at Neeleswaram block as part of Karuthal Campaign. 3857 kits worth Rs 400 each were distributed at Neeleswaram block on 25 August 2020. The products that are served at Neeleswaram block which consists of 6 Grama Panchayats and 1 Municipality is prepared by SVEP enterprises. The kits may contain puttu powder, coriander powder, pathiri powder, chicken masala, sambar powder, turmeric powder, pappadam, chilly powder, mask, hand wash, floor cleaner, soap and detergent, snacks, honey, candle, ghee, pickle and tamarind paste produced by the SVEP enterprises. The products may differ as per the availability in the CDSs.

In addition the SVEP enterprises will also supply the products like pappadam, handwash, mask and cloth bags etc needed for Kanhangad and Karadukka block. The entrepreneurs would be able to make a sales of Rs 20 lakhs altogether from the Karuthal Campaign itself. Startup Village Entrepreneurship Programme is also planning onam markets in connection with onam at 6 panchayats. 'Karuthal Campaign' is a product- marketing campaign being organised during the onam season for encouraging the entrepreneurs and farming groups to produce and to rejuvenate the enterprises that had faced loss due to lockdown.

Kudumbashree launcheed 'Karuthal Campaign', a product- marketing campaign during this onam season for providing support to the Kudumbashree entrepreneurs and farming groups who had to face loss due to the covid-19 lockdown. The campaign aims at encouraging the entrepreneurs/ farming groups to produce and to rejuvenate the enterprises that had faced loss. Through this activity, Kudumbashree would be able to extend greater marketing support to the entrepreneurs and farming group members during these tough times. Kudumbashree also hopes to make available the best products produced by Kudumbashree enterprises to the NHG members during this onam season.

As part of the campaign, products from micro enterprises in various sectors and farming groups will be selected, packed in kits and be taken to all NHGs at the rate of Rs 500 per kit. The kits will be delivered to the NHGs through the CDSs and the NHG members may buy the kits in instalments. NHG members may repay the amount of the kits to the NHGs and a maximum of 20 installments are permitted for repayment. Kudumbashree District Missions collect the rates and other details of the products from the entrepreneurs in the respective districts and will inform the CDSs. CDSs prepare the list of those who need the kits from among NHG members and will inform DMCs. Products are collected from the entrepreneurs and the kits are prepared as part of the ‘Kathuthal’ campaign with leadership of the district missions. This is the process flow / logistics of preparing the kits. The vegetable kits are packed in the CDS level. In this way, products worth Rs.500 are taken to the NHGs in a single packet. It is expected that these activities will help in finding new market avenues for Kudumbashree's products and hope that it will result in earning additional income for them.

Kudumbashree is planning to launch 100 Permanent Marketing Outlets in the state for making the agricultural and non agricultural products produced by NHG women, available for the public. Monthly markets that function in a good way are identified and will be converted into permanent marketing outlets. These permanent marketing outlets would be uniformly branded as well. The activities for implementing the same had already been started.

Kudumbashree has been organising monthly markets at every block and Urban Local Bodies, which is one of the key marketing activities of Kudumbashree. Such monthly markets organised at some locations continuously function for one week or so. It is then Kudumbashree decided to turn these selected monthly markets that function well into permanent marketing outlets. During the 2019-20 financial year, 1876 monthly markets were organised by Kudumbashree across Kerala. Sales of Rs 5.85 crores was recorded through the Monthly markets.

The permanent marketing outlets will function under the ownership of the respective CDSs. It is aimed at arranging a permanent marketing outlet for a minimum of 25 NHG entrepreneurs/ farming groups in the respective Local Self Government Institutions (LSGIs) for marketing their products. Likewise, marketing support will be provided to 2500 women entrepreneurs through these outlets. Sales of a minimum of Rs 50,000 per month is expected from these permanent outlets. The plan is to set up 100 uniformly branded marketing outlets. District Missions will select the locations of monthly markets that are to be converted for permanent marketing outlets. Respective CDSs will be entrusted with the management of the marketing outlets. An entrepreneur or a staff can be assigned for the management of the outlets by CDS.

A meeting of the entrepreneurs and farmers could be called at first. Then the next step will be to finalise products that will be displayed for sale from the entrepreneurs. CDS will ensure the regular supply including logistics from the production house of the entrepreneurs to the outlets. Services of the Micro Enterprise Consultants (MECs) could be used for the same. A fixed amount will be collected from the entrepreneurs for display of their products in the marketing outlets. This amount will be paid to the outlet operators/management team. Rs 5 lakh is earmarked for setting up each of these permanent marketing outlets.

The activity of selecting the permanent marketing outlets is progressing. 100 uniformly branded marketing outlets would be set up by November. Following that, the geo tagging would be done. Once these marketing outlets would be functional, a new avenue will be opened for the Kudumbashree entrepreneurs for ensuring a permanent income of their own and the public will get an opportunity to use the agricultural and non agricultural products produced by NHG women.

Yet another Kerala Chicken Sales Outlet has started functioning at Kodungallur of Thrissur. Shri. V. R. Sunil Kumar, MLA, Kodungallur Constituency officially inaugurated the sales outlet at Kodungallur on 19 August 2020. The sales outlet is run by Ms. Seetha Balakrishnan of Aishwarya NHG under Kodungallur 1 CDS. For delivering broiler chicken regularly to this outlet, a contract has been made with 3 poultry farmers. The sales outlets are being opened, as part of entering the phase of extending the advantages of the Kerala Chicken programme to the public.

In addition to the sales outlet started at Kodungallur, 2 new sales outlets of Kerala Chicken have been started at Mulavukad and Sreemoolanagaram of Ernakulam district. The outlet at Mulavukad is run by Ms. Treesa, Ms. Shibi & Ms. Livera, Kudumbashree members from Mulavukad panchayath. The sales outlet at Sreemoolanagaram is run by Ms Ramla Subair, who is the member of the same CDS. A tie up has been made with 33 poultry farmers for the sales outlets in the district.

The first sales outlet of Kudumbashree as part of Kerala Chicken Programme was started in North Paravoor of Ernakulam district during June 2020. An average daily sales of Rs 21,000 is recorded at the sales outlet opened at North Paravoor. The enterprise was started by Ms. Renuka Rajan and Ms. Anaswara, NHG members under the Ezhikkara CDS. By opening such Kerala Chicken outlets Kudumbashree aims at making available good quality chicken to the public at reasonable rates. Kerala Chicken Programme was started envisaging the sustainable change in the broiler chicken market of Kerala.

Kudumbashree is formulating special activities for the LEAP (Local Employment Assurance Programme), which aims at extending employment to at least 5 people locally in every panchayath, as Kudumbashree has an important role to play in the implementation of the programme. As part of this, various activities are progressing in the Local bodies. LEAP project is one of the important projects announced in the 2020-21 State Budget of the Government of Kerala.

Through these activities, Kudumbashree kept the goals of identifying beneficiaries from the Kudumbashree NHGs at first. The next goal is to provide skill training to at least 40,000 Kudumbashree members or their family members. Thereafter, the next aim is to bring all the interested among them to the formation of enterprises. Kudumbashree encourages enterprises in production as well as service sectors, and wants to ensure that these entrepreneurs earn a monthly income of a minimum of Rs 10,000. Online Data Collection is ongoing in the NHGs through CDS to identify those who are interested in becoming part of the LEAP Project training, which would be implemented through Kudumbashree. After analysing these data, a two day General Orientation Training would be extended on the various livelihood projects and skill training programmes of Kudumbashree, Local Self Government Department and other Government Departments. The programmes of Kudumbashree viz., ARISE, Deen Dayal Upadhyay Grameen Kaushalya Yojana (DDUGKY), agricultural programmes etc, that would help in securing wage employment or self employment (through new enterprises) would be introduced during the training.

The interested members would be extended awareness on the livelihood opportunities that could be started locally and in the respective districts. They will also be sensitised about the challenges and opportunities of the same. Through empaneled agencies, training would be extended. Necessary skill training will also be provided to ensure enterprise formation by those who are interested. In addition, existing enterprises would be provided with relentless support. A system will be put in place to solve their problems, as part of this LEAP programme. Through the support system, the entrepreneurs would be extended financial assistance. Also they will be provided support in making avail innovative technologies. Needed training and handholding will be provided as well.

It is aimed to complete the selection of the beneficiaries by the mid of September. General Orientation Training will be provided within one month and Skill training will be provided before December. Later, activities for enterprise formation or support to get wage employment will be organised. As of now, there are more than 26,000 micro enterprises in Kerala registered as Kudumbashree units. Through these enterprises, around 1 lakh NHG members are finding their livelihood. It is expected that by implementing LEAP projects for enterprise formation, a minimum of 5000 new enterprises would be started. The aim of implementing the LEAP programme is to help 10,000+ people to identify livelihoods of their own.

Idukki block of Idukki district has came first in the SVEP ranking, done based on the performance for the last year, reviewing the activities of the 14 blocks in the 14 districts of Kerala. On analyzing the data of the programme for the last two years, the programme is giving excellent results and the blocks were ranked on the basis of performance. Idukki block of Idukki district came in first place in ranking. Nilambur block of Malappuram district, Vaikom block of Kottayam district, Neeleshwaram block of Kasaragode block and Vadavukode block of Ernakulam district came in the remaining four places respectively. The districts were analysed based on 10 factors like the completion of the targets (formation of the enterprises), giving legal status to enterprises, inclusion of the vulnerable communities for enterprise formation, data updation (entry in MIS) etc.

Startup Village Entrepreneurship Programme (SVEP), is being implemented through Kudumbashree in the selected 14 development blocks of Kerala, which encourages the Kudumbashree members to start enterprises. These enterprises are started in those sectors where there’s potential for sales in that area. Also, effort is taken to make use of the local resources to the maximum. It was aimed to start 26,032 enterprises within 4 years through this programme which was launched in the 14 blocks of Kerala during 2017. A total of 11,211 enterprises were started in the 14 blocks in the state within these two years.

As a first step, Block Nodal Society for Enterprise Promotion (BNSEP) is started in the blocks selected for SVEP project. Then, Micro Enterprise Consultants (MEC) from Kudumbashree are selected. The Executive Committee of BNSEP comprises the CDS Chairpersons of all the CDSs in the Blocks and micro enterprise (ME) Sub Committee Conveners. Those who are interested in self employment through new enterprises are identified and are supported. They are provided with all supports through the MECs, who function under the leadership of BNSEP Executive Committee. It had been two years since this programme has been commenced in Kerala.

Through the Chief Minister's Helping Hand Loan Scheme, which is being implemented through Kudumbashree was started from 23 April, Rs 1782.82 crores bank loan has already been provided to Kudumbashree members until now. Also loan applications of Rs 1958.12 crores have been submitted to banks. As per the statistics till 17 August, Rs 1782.82 crores is already received by NHGs as bank loan.1,92,172 NHGs have received loans and a total of 22,37,588 NHG members have received the loan amount.

Chief Minister's Helping Hand Loan Scheme (CMHLS) is the interest free loan scheme launched to extend temporary assistance to those who lost their income during the crisis of covid-19. After the floods of 2018, the Resurgent Kerala Loan Scheme (RKLS) was successfully implemented through Kudumbashree. It is the success of that which led the Government of Kerala to decide to implement the Chief Minister's Helping Hand Loan Scheme (CMHLS) programme through Kudumbashree. The plan was to provide Rs 2000 crores as Interest Free bank Loan.

In the first phase of implementation, discussion was held with the banks and the State Level Bankers Committee (SLBC) expressed their willingness to give loans at 9 % interest. Government agreed to provide interest subsidies to the NHGs. As it is an interest free loan, it was decided to limit the loan to Rs 2000 crores as per the Government decision and the loan limit for CDSs and NHGs were fixed.

Approval has been received for constructing 10,465 individual houses at 52 Local Self Government Institutions. Consent has also been received for constructing housing complexes at Punalur, Pandalam, Alappuzha, Chittur- Thathamangalam Urban Local Bodies for the urban homeless who don't have their own land. There would be 286 houses in these 4 housing complexes (flats) altogether. After getting the approval of the State Level Appraisal Committee (SLAC) chaired by Principal Secretary, Local Self Government Department and the State Level Sanctioning and Monitoring Committee chaired by Chief Secretary, approval of Central Sanctioning and Monitoring Committee (CSMC) was received on 7 August 2020.

In PMAY (U) - LIFE, which is part of LIFE Mission Project, an individual beneficiary would get Rs 4 lakhs for house construction. Out of this, Rs 1.5 lakhs would be the central share, Rs 50,000 would be State share and Rs 2 lakhs would be the ULB share. In addition to the approval received, approval had already been received for constructing 3181 houses at 17 ULBs during the Central Sanctioning and Monitoring Committee held during December. Hence, in addition to the 88,583 houses mentioned above, approval has been received for constructing 13,646 houses during December and August. It is expected to complete the construction of these houses during this financial year itself.

Until now, final approval has been received for constructing 88,583 houses. Construction of 48,445 houses (54.6%) has already been completed. The construction of 28,447 houses (32%) are in different phases. First installment of the financial assistance has been provided to 76,892 houses (86.8%).

Kudumbashree NRO is providing assistance for the formulation and implementation of Vulnerability Reduction Plan in Tripura.

This is a novel project implemented by Kudumbashree NRO. Vulnerability Reduction Plan (VRP) programme aims at mainstreaming the vulnerable families (Scheduled Caste, Scheduled Tribe, Particularly Vulnerable Tribal Groups, women headed households, victims of human trafficking, those facing physical- mental disabilities etc) of a selected area. This programme , which is part of the National Rural Livelihood Mission (NRLM), is being implemented by NRO in association with Tripura State Rural Livelihood Mission (SRLM).

VRP is implemented by Village Organisations (VO), which are formed as a federation of 10-15 Self Help Groups-SHGs in every panchayath. The vulnerable families are identified on the basis of different criteria and the details of these families are enlisted at first. Out of the selected families, the most vulnerable families are earmarked and Vulnerability Reduction Plans are prepared considering their various needs. The aim is to reduce their vulnerability. Out of these needs, some are solved by SRLM through their own projects. Some other needs are addressed through departmental projects (of other departments) and some could be directly done by the Village Organisations. This way, the needs of the vulnerable families are fulfilled. Then, they will be made part of the SHG network and many other activities will be undertaken to mainstream vulnerable families.

The first of its kind activity (support for VRP) was implemented in Kunjaban Gram Panchayat of Matabari Block of Tripura on 28 November 2018. Plans were formulated for many such as Hiran Bala Das, a 65 year old woman with a 21 year old intellectually disabled daughter with no regular source of income apart from the old age pension, and to many like Dhirendra Das, a widowed 71 year old man again with no other source of income apart from the old age pension etc. The mapping was then piloted in Maa Durga VO of Muhiripur Gram Panchayat in Jolaibari Block on 31 July 2019. The details of 216 families were collected then. After the detailed analysis, it was found that 12 families are more vulnerable and are in need of emergency assistance. Special plans were prepared for them. Rs 58,000 was given as Vulnerability Reduction Fund (VRF) through SRLM. In some panchayats, VRP plans were submitted as part of their Annual Action Plans.

NRO extended many supports/ consultancy / assistance to the Village Organisations in the blocks of Tripura where NROs support was requested. NRO provides support in many aspects of implementation of VRP. Kudumbashree NRO had prepared a special module for VRP implementation in Tripura. Also, NRO helped the state to frame strategies for identifying the vulnerable families. Also, support was extended for coordinating training and for preparing the VRP plans. Mentors and coordinators of Kudumbashree NRO are doing these activities based on the work experience they earned while implementing the Ashraya Programme in Kerala. Kudumbashree National Resource Organisation (NRO) the wing of Kudumbashree that provides consultancy and support to various states and union territories in the country as per their requests.

6.7 lakh Kudumbashree members had shown interest to enroll for the KSFE Vidyashree Scheme, which enables the needy NHG members to buy laptops. Vidyashree Scheme is being implemented by Kudumbashree in association with Kerala State Financial Enterprises (KSFE) for supporting students. Till date, 6,70,156 Kudumbashree members came forward to become part of this scheme and out of them, 5,12,561 members opted for receipt of laptops, as during the crisis situation of COVID 19, the educational system is in transition and becoming more dependent on online education.

Vidyashree is a micro chitty of Rs 15,000 with a monthly installment of Rs 500 for 30 months. A NHG member can enroll for only one Vidyashree Chitty. As per this, if a Kudumbashree member becomes part of this scheme, after the payment of the third installment, she may inform the NHG if she needs a laptop. Laptop with the specifications prescribed by the Education Department, procured from the agencies empanelled by IT Department would be made available for them. These laptops would cost less than Rs 15,000.

As per Vidyashree, after the payment of the third installment, all in need can own a laptop as the laptop will be provided by KSFE. When the chitty installment payment would be complete, the members would get the remaining amount in the chitty (if any) including interest, excluding the cost of the laptop. Those who repay the chitty regularly need not pay the installment amount of Rs 500 during the 10th term and 20th term. KSFE would pay this. In addition, for those who regularly repay the chitty starting from 1st term up to the 30th term, KSFE would bear the first installment of Rs 500 for enrolling in a similar scheme that would be started. In short, those who repay without fail may save Rs 1500. Those Kudumbashree members who do not need a laptop may also join this scheme. After paying the 13th monthly instalment, they may draw the full city amount (if needed) without any bid or lot. They would also get the savings interest of KSFE as well. The repayment should be done without any fail. The NHG and CDS would oversee the monthly repayment.

Kudumbashree collected the details of the NHG members who are interested in joining this micro savings programme which aims at making available laptops for the common people as laptops are becoming inevitable for enabling online education.

Kudumbashree is proud to be part of an activity that helps the newer generation to get in tune with the changing time through the Vidyashree Scheme associating with Kerala State Financial Enterprises(KSFE).