Through Kudumbashree, the message of the 'Break the Chain' Campaign of Health Department is being spread to the 44 lakh families. There are 2,99,297 Kudumbashree neighbourhood groups in Kerala. Each NHG has 10 to 20 members. We have given a detailed note to every Kudumbashree NHGs to discuss and spread the message of the importance of 'Break the Chain' Campaign. The aim is to spread awareness about the precautions to be taken by each families to stay safe from the spread of the corona virus disease. By discussing this message in the NHG meetings, we hope that we would be able to give leadership to fight back this corona virus disease and address the anxieties of the society.

Instructions has been given to start the NHG meetings only after washing the hands. The need and importance of washing hands using soap or sanitizers will reach to the NHG members and their families through this. Based on the instructions developed by the Health Department, note highlighting duty of each member and general awareness about corona virus disease is given to the NHGs and they have been directed to discuss the same. It is noted that mortality due to corona is relatively high for elderly people and those people who are sick. The note for the NHGs includes guidelines for Kudumbashree NHGs about the actions to be taken by the elderly and sick people. Elaborate instructions were given for those who are in quarantine. Also, general instructions for NHG about extending support to the quarantined families is mentioned in the note.

Precautions to be taken by the families to stay safe from the infection of this disease, actions that may be taken by NHGs to ensure the public health as per the instructions from the district administration and Health Department will be discussed in all NHG s during the weekly meetings. The aim is to ensure that there’s adequate precaution and that there is no panic. Kudumbashree expects the active participation of the NHG members in 'Break the Chain' campaign and hope that through Kudumbashree's outreach program, the message will reach up to the grass root level. By reaching out to 44 lakh families in the state, Kudumbashree Mission would be able to give awareness about corona virus disease to the society.

Kudumbashree's tailoring units have started making cotton masks to help the public fight back corona virus. Kudumbashree have as many small and medium tailoring units functioning across the 14 districts in Kerala. Out of these units, 268 tailoring units have started the process of making cotton masks. Masks are being prepared as per the orders received from health department and the stitching of the same had already been started. The total production capacity of all the units put together is approximately 1,30,000 masks per day. Instructions were given to stitch cotton masks as per the orders received, based on the production capacity of the respective districts. Now, Kudumbashree units have received the order for making cloth (cotton) masks for Health Department of Kerala. The orders obtained at the districts are being received and masks are being stitched under the supervision of respective District Mission Co-ordinators of Kudumbashree.

In Thiruvananthapuram district, Kudumbashree received the order for producing 50,000 cotton masks from Health Department of Kerala. Order for 20,000 cotton masks had been received from Idukki district as well. The units have started the process of procuring clothes after receipt of orders and they have started production. The process will take a couple of days to streamline. Once the initial coordination would be achieved, the process of receiving orders and delivering the masks will streamlined.The present production capacity of these units is 1.30 lakh masks per day. The activities are progressing to complete the received orders with utmost quality and to hand over the same on time. The price of the cotton mask is fixed as per the cloth used and the quality. Kudumbashree have started getting more orders in districts as the information of Kudumbashree units making masks began to spread. Directions had been given to the respective District Mission Coordinators to increase the production capacity by increasing the working time and by engaging more units. These women are making efforts to fight back the spread of corona virus disease.

As a novel way of celebrating International Women's Day, Kudumbashree members organised NHG meetings at night on 7 March 2020. This ‘night meetings’ brought an opportunity for women to own those public places and spaces which they are denied at night. By owning the public spaces at nights, Kudumbashree members made a new proclamation that all these opportunities are their rights.

There are 3 lakh NHGs in Kerala with 43 lakh women as members. Usually they conduct their NHG meetings on Saturdays or Sundays of every week at the residence of one of the NHG member. As part of the Women's Day Celebrations, it was suggested to conduct NHG meetings on 7 March 2020 any time after 7 PM. And those who could not conduct on that day, meetings were held on 8 March 2020. Most of the NHGs had organised such NHG meetings on 7 March 2020 and converted the Women's Day Celebration as an entirely different experience.

The theme of our NHGs ‘night meeting’ was ‘My Opportunity My Right'. A circular was also given to all NHG s with three points to discuss and think during NHG meetings at night. The three concepts given in the circular were as follows.

“1. Let us think and work for securing new opportunities realizing that the opportunities of women are their rights.

2. In addition to all the activities we did until now, let us decide today to become the harbingers of change.

3. Through the fraternity of women and through new opportunities, let us work hard for equality and development. "

These points were read out and were discussed in the NHG meetings with great enthusiasm and strength. Prior to the night NHG meetings, Kudumbashree members had set up 'My Opportunity is my Right'-Kudumbashree Flags proclaiming women rights all across the state.

'My Opportunity is my Right' - This was the slogan for the Women's Day Celebrations of Kudumbashree, this year. As part of the Women's Day Celebrations, the NHGs were directed to make ‘Flags' highlighting slogans about women’s rights and fix it in the public places without causing an inconvenience to the public. The aim was to pass on the message- 'My opportunity My Right' to the society. The NHGs were asked to get an old white cloth, write slogans of Women's Day, make flags and fix it in different places of their locality. NHGs had wholeheartedly welcomed that idea and they made maximum efforts to make aware the need of becoming empowered by identifying more opportunities.

Respective District Missions had organised various programmes in their districts and the International Women's Day was celebrated in its real sense paving way for fruitful discussions.

Janakeeya Hotel was opened in Alappuzha district of Kerala and Hunger Free Canteen was opened in Kunnamkulam of Thrissur. The first of its kind Janakeeya Hotel has been opened in Mannancherry of Alappuzha district of Kerala. Government of Kerala had mentioned about starting a total of 1000 hunger free hotels would be opened which would serve lunch at Rs 25 per meal under the aegis of Kudumbashree Mission, during the Kerala Budget 2020-21.The Janakeeya Hotel at Alappuzha was inaugurated by Dr. T. M. Thomas Issac, Finance Minister, Government of Kerala on 29 February 2020. Those without money may also have food from here by making use of the 'Share Meals' coupon available at the counter. Those who wish to sponsor may buy the Share Meals coupon as well. The Hotel will serve specials as well. The Janakeeya Hotel is located near the Private Bus Stand, Mannancherry, Alappuzha and it functions at the 2 room building of Mannancherry Panchayath. The Janakeeya Hotel may occupy 36 people at a time. Two Kudumbahsree women had been entrusted with the task of serving the food at the Janakeeya Hotel opened at Mannancherry. They are Smt. Thanuja and Smt. Vijayalakshmi.

Meanwhile, Hunger Free Canteen was opened in the Kunnamkulam of Thrissur district. The Hunger Free Canteen was inaugurated by Shri. P. Thilothaman, Minister for Food and Civil Supplies, Government of Kerala on 28 February 2020. Shri. A.C Moideen, Minister, Local Self Government Department, Government of Kerala presided over the function. The Canteen would serve lunch to 500 people between 12.30 PM and 2.30 PM at Rs 20 per meals. Civil Supplies would give Rs 5 as subsidy for the food of Rs 20. The canteen is run by including in the Vanitha Ghataka Padhathi through Kudumbashree.

Kudumbashree Bazaar, the third of its kind supermarket for exclusively selling the products of Kudumbashree entrepreneurs in the state had been launched in Ernakulam district of Kerala. Shri. A.C Moideen, Minister, Local Self Government Department, Government of Kerala inaugurated the Kudumbashree Bazar at Ernakulam on 28 February 2020. The

Supermarket is opened at Kolenchery of Aikkaranadu Panchayath in Vadavukodu Puthenkurishu block and is situated in 1350 sq ft area. 485 products of 102 micro entrepreneurs would be available for sale through this supermarket. A daily sales of Rs 30,000 is expected from the newly opened Kudumbashree Bazaar.

Two Kudumbashree Supermarkets were already opened in Wayanad and Pathanamthitta districts. The Supermarket opened in Kaniyambatta Panchayath of Wayanad district of Kerala is situated in 800 sq ft area. 256 products of 85 entrepreneurs are available for sale at this supermarket and they have a monthly sales of Rs 2 lakhs. The Kudumbashree Bazar opened in Thiruvalla Municipality of Pathanamthitta district of Kerala, near By pass road, opposite to public stadium is functioning in the model of village souk. This Bazar, which is situated in 2000 sqft space has 7 shops of 100 sqft area and a food court. 110 products of 20 entrepreneurs are available for sale at this Supermarket. Rs 4 lakhs is the monthly sales recorded there.

Kudumbashree Bazaars envisages to bring to the market, more products of Kudumbashree under one umbrella. More such Kudumbashree Bazaars would be opened all across the state and would arrange better markets for the products of Kudumbashree micro entrepreneurs through such permanent marketing outlets. Kudumbashree has also been making use of various marketing activities like trade fairs, nano markets at super markets, online portals, homeshops etc to market the products of Kudumbashree micro entrepreneurs.

Kudumbashree launched 'Veetiloru Kudumbashree Ulppannam' Campaign and would reach out to the households of Kerala on 15 March 2020. The poster of the campaign was launched by Shri. A.C Moideen, Minister, Local Self Government Department, Government of Kerala by giving the same to Shri. S. Harikishore, Executive Director, Kudumbashree on 26 February 2020. As part of 'Veetiloru Kudumbashree Ulppannam' Campaign, the women entrepreneurs and CDS members would reach out to the households. The campaigns aims at making the products produced by the entrepreneurs working in the agro micro enterprises more popular and help them secure regional markets.

It is as part of observing this financial year as the 'Year of Livelihood' and the International Women's Day Celebrations, that the campaign is being launched under the leadership of Kudumbashree. The campaign envisages at introducing the products of Kduumbashree to each families and thereby increase its acceptability and market. On 15 March 2020, under the leadership of respective CDSs, Kudumbashree entrepreneurs, ADS representatives would reach out to every households with diverse products and would explain about the products they make and would also explain about the nano markets and other marketing outlets, where Kudumbashree products would be available. The general public would get an opportunity to buy ethnic products at nominal rates through this.The campaign would be supported by the respective District Mission Co-ordinators, Assistant District Mission Co-ordinators, District Programme Managers, Block Co-ordinators and CDS Chairpersons. It is expected that through this campaign, it would be able to find local markets for the products and by taking the products directly to the households, a permanent marketing activity would be opened.

'She Talk' programme would be organised on 7 March 2020 to felicitate the Best Entrepreneurs in the respective Districts and would arrange their experience sharing sessions as well. The micro entrepreneurs would be extended trainings on Business Development in various sectors. In addition to this, on 16 March 2020, nano markets would be set up in all Supermarkets, Shops an bakeries in each CDS, where Kudumbashree products would be available regularly.

Kudumbashree Thrissur District Mission launched Thayyal Gramam (Stitching Village) enterprise as part of Theerashree for the welfare of the coastal residents in the district. Shri. T.Tyson Master, MLA, inaugurated the enterprise at Karinkulam Junction, Eriyad, Thrissur on 24 February 2020.

 This programme is organised by joining together all the Kudumbashree women from the coastal sector in the district. The programme aims at helping the women finding a source of livelihood of their own. The programme envisages making the Panchayaths under the Theerashree Programme, into Model Villages. The programme would be implemented at first in the Ward Number 21 of Eriyad Panchayath. As part of the programme, the 30 members of the  ward were given training in cloth bag making. The unit is set up at the building near the Eriyad Karikkulam Hospital. Rs 2.5 lakhs is the total project cost.

Eriyad, Mathilakam, Sreenarayanapuram, Valappad and Kaippamangalam are the 5 Panchayaths which come under Theerashree programme, and have 25 coastal wards altogether. As part of the Model Village concept, different ideas are conceptualised. Like Thayyal Gramam, Achar Gramam(Pickle Village), Podi Gramam (Flour Village), Pazham-Pachakari Gramam (Fruit and Vegetable Village), Catering Village etc are planned focusing on various sectors. Theerashree is being implemented to solve the issues existing among the coastal people viz., increasing debts, lack of education and skill training, absence of  the habit of savings and help improve their lives.

Kudumbashree launched Theerashree Programme for the welfare of the poor in the coastal areas during July 2019. The programme envisages strengthening the Kudumbashree activities in the 82 coastal panchayaths in the state, thereby improve the quality of life of women and children in the coastal areas and improve their livelihood activities.The programme aims including new families into Kudumbashree neighbourhood group system, rejuvenate inactive NHGs,  extend source of earning income to atleast one member of every family, grade all eligible NHGs and avail linkage loan to them, extend skill training to the poor youth in the coastal areas and assure them jobs. Uncertainties in job, irregularity in getting income, educational backwardness, unavailability of basic amenities, health issues in women and children, scarcity of drinking water, unavailability of livelihood activities other than fishing and related activities etc are the main issues faced by the people of coastal areas. Women and children are usually bound to suffer the negatives of these issues. The increasing debts among the people in these areas, lack of education, skill training, addiction towards alcohol among the youth etc are also the issues existing in the coastal areas. Kudumbashree aims at solving these issues through 'Theerashree', thereby improve the quality of life of the people in the coastal areas.

Kudumbashree Neighbourhood Groups (NHGs) bagged the National Award constituted by National Rural Livelihood Mission (NRLM) for the best performing NHGs. Panchami NHG from Kondoor Panchayath of Kottayam District and Ushas NHG of Azhikode Village of Thrissur District are the NHGs which bagged the National Award. Shri. Narendra Singh Tomar, Minister of Rural Development, Government of India will give away the awards at the function to be held at Vigyan Bhavan, New Delhi, in connection with the Women's Day Celebrations on 7 March 2020.

The Award is constituted for felicitating the NHGs who had shown outstanding performance. The activities performed during the previous financial year would be considered for giving the awards. The number of NHG meetings called, number of members attended, average attendance of each member, number of members who had attended trainings, total thrift, disbursal of corpus fund, internal lending status, community investment fund availed, corpus fund, total number of bank loans availed, number of units started using the bank loans, annual income, number of entrepreneurs included, scope of the enterprise, income, consistency, number of individual micro enterprises, regularity in keeping register, number of members who have personal bank accounts, ratio of the members who have insurance coverage, ratio of members who have latrine facility at their homes and the leadership quality were the criteria for deciding the award.

As per the guidelines, the respective district missions had submitted selected 3 NHGs from every districts. The selection committee from Kudumbashree State Mission selected the best 3 NHGs out of the 42 NHGs selected by the districts and submitted to NRLM and out of those 3 NHGs two of them bagged the award.

Kudumbashree always try to explore new areas of opportunities for providing employment to its members and has started launching Customer Service Points joining hands with State Bank of India. Customer Service Points in association with SBI commenced operations in 4 different locations until now. The first Customer Service Point was launched at Thrissur district of Kerala on 26 August 2019. Later, one entrepreneur each from Ernakulam, Thiruvananthapuram and Kannur districts also made use of this opportunity. Smt. Latha Bharathan, Irinjalakuda of Thrissur district, Smt. Dalia Shilikumar, Moozhikkulam of Ernakulam district, Smt. Jeetha, Puthukurichi, Kadinamkulam of Thiruvananthapuram district and Smt. Haritha, Thaliparamba of Kannur district are the entrepreneurs who had launched their Customer Service Points until now.

Customer Service Point is one such novel area of livelihood opportunity. Kudumbashree came to know that many banks have plans to start Customer Service Points near their busy branches, to provide services when generally there’s heavy rush. In addition to that, it was noted that the banks have plans to open Customer Service Points near areas where they do not have any branch. These service points would help the customers to do financial transactions up to a limit. Kudumbashree made discussions about the same with State Bank of India (SBI) initially and then partnered with them to start our Customer Service Points (CSP).Customer Service Points (CSP) provides self employment opportunity to one individual. Services provided at CSPs are Receipt cash deposit upto Rs.20,000, cash withdrawal upto Rs.20,000, transferring money from one bank to the another, opening of new accounts and linking mobile number with Aadhaar. The entrepreneurs usually have to invest up to Rs.1 lakh for procuring laptop, printer, scanner, kiosk etc.

Once operational, service providers will have to keep registers like transaction register, loan application register, account register, complaint register and visitors register. First step in starting of a CSP is to identify the location and entrepreneur for operating. After that, the entrepreneurs would be allowed to work as the accredited customer service agent. Kudumbashree had followed those steps in the association with SBI. Through this novel initiative, Kudumbashree members would get a new job opportunity. In addition to that, this initiative will help people get banking services even after the banking hours. Also public will get an access to the banking services near their locality. In addition to that, more people could be brought to the banking system through mobilizing more accounts. This in turn will help develop savings habit among the common people and our CSP agent can provide financial literacy. Kudumbashree entrepreneurs would get livelihood opportunities through these ‘mini banks’ aka Customer Service Points.

• The State Level  inauguration of the disbursal held at Thrissur
• 195,514 NHG members would get Rs. 131.18 crores as interest subsidy

The disbursal of the interest subsidy of Resurgent Kerala Loan Scheme, the scheme launched by the Government of Kerala for the rehabilitation of the people who were affected by the unprecedented floods of 2018, was officially inaugurated  by Shri. A. C. Moideen, Minister, Local Self Government Department, Government of Kerala at  the function held at Town Hall, Thrissur on 13 February 2020. Adv.K. Rajan, Chief Whip, Kerala Legislature presided over the function. Minister inaugurated the programme by giving away the amount to 8 CDSs in the district.

Rs 131.18 crores was approved by the Government for giving the subsidy of the loan given to the NHGs through Kudumbashree as per Resurgent Kerala Loan Scheme. The interest subsidy till 31 March of 2019-20 financial year is being given now. 1,95,514 women of 28,212 NHGs were given loan of Rs 1680 crores through Kudumbashree. It was decided to meet the interest amount from the Chief Ministers Distress Relief Fund (CMDRF) to change the loans given by the banks at 9 % interest into interest free loans. As per this,  Rs 131 crores was approved from the CMDRF as the interest subsidy till 31 March 2020. Inclusive of this amount, Government of Kerala would give Rs 298 crores to NHGs as interest subsidy when the loan repayment would be complete. 

Four years would be the maximum tenure of the loan scheme. The interest amount included in the monthly repayment of the the NHGs would be paid back to the NHGs as subsidy each year. Once the loan repayment would be complete, the NHGs would get the whole interest amount.  Resurgent Kerala Loan Scheme (RKLS) was launched by the Government of Kerala, in which bank loans upto Rs 1 lakh was made available to the families who lost their utensils and livelihood during flood at 0% interest to restore their lives.

Shr. S. Shanavas, District Collector, Smt. Mary Thomas, President, District Panchayath, Shri. N.K. Udayaprakashan, Vice President, District Panchayath, Shr. K.R Jaithran, Municipal Chairman, Kodungaloor, Smt. Jayanthi Praveenkumar, Chairperson, Chalakudy Municipality,  Shri. V. A Manoj Kumarm  District President, Block Panchayath Association,  Shri. K.K Satheeshan,  District President, Grama Panchayath Association  Smt. Deepa S. Nair, District Panchayath also attended the function. Smt. Asha Vargheese, Director, Kudumbashree Mission welcomed the gathering and Shri. K. V Jyothish Kumar, District Mission Co-ordinator, Kudumbashree Thrissur District Mission extended vote of thanks.

District                               Amount issued ( In lakhs)

Thiruvananthapuram         30.40

Kollam                               23.72

Pathanamthitta                 925.61

Alappuzha                        2841.96

Kottayam                          1305.25

Idukki                                69.16

Ernakulam                        4088.92

Thrissur                            2913.74

Palakkad                          120.71

Malappuram                      379.78

Kozhikode                         196.80

Wayanad                           220.04

Kannur                              1.55

Total                                 13117.64