he Swan Women Association Network, also referred to as the Swan Women Federation, is the biggest organised collective of rural women in Himachal Pradesh, with the objective of promoting livelihood activities for the socio-economic uplift of women. The federation is an umbrella organisation for 6,119 women members of 427 women self-help groups (SHGs) formed in 92 panchayats of Una district under the Swan River Integrated Watershed Management Project (IWMP). The federation derives its name from the Swan river, which traverses through the district and has shaped the socio-economic-cultural and agrarian conditions of the locals. While the river supports the ground water aquifer of the valley, providing drinking water and irrigation facilities through deep-bore tubewell schemes, the Swan and its network of 73 tributaries, erodes the fertile top soil.
To check this, the IWMP was launched in 2007 with an assistance of Rs 160 crore from the Japan International Cooperation Agency and the state forest department as the nodal agency.
The goals
Dr Suresh Kumar, project director, says watershed development activities like increasing vegetative cover, building water bodies, checking erosion and linking these with income generation activities of locals by way of technical interventions in agriculture, forestry, animal husbandry and horticulture are the main objectives of the project.
As the project grew, women took the lead, forming SHGs and user groups for small savings and for sharing the benefits of the project. Each group has 12 to 15 members and activities began with a monthly saving of Rs 10 to Rs 50. The kitty, pooled in nearby banks, began to swell and members initiated micro-credit for purchase of seeds, fertilisers, fodder and cattle. The savings of all 427 groups is about Rs 2.5 crore.
Check dams
Subhadra Devi, federation chairperson who hails from Dharampur village, says check dams were constructed to store rainwater, and gradually, women groups began small-scale vegetable and fodder cultivation to supplement their monthly income.
The project recently introduced 3.5 lakh fingerlings in 30 perennial water harvesting structures, and by the next two years, additional income will be generated by the groups by harvesting fish. Some groups are involved in managing project nurseries, where aloe vera, lemon grass, bamboo and poplar are reared. She says with credit from the groups, members have purchased milch cattle. The project provides chaff cutters and funds for constructing mangers.
“Technical expertise and financial assistance are easily accessible during the project period, but our main concern is maintenance, continuity and sustainability of the women collectives after the culmination of the project,” says Subhadra Devi.
Meenu Rana of Kotla Kalan village, who is the president of the federation, says all groups in a panchayat have been clubbed into the Panchayat Mahila Sangathan. A cluster of nearby Panchayat Mahila Sangathans have been grouped into Mahila Kalyan Manch. There are 10 Mahila Kalyan Manch with the federation as their registered umbrella organisation. “The project is already in the withdrawal mode and the federation will ensure continuity,” she says.
During the last six months, the federation has managed to save about Rs 18 lakh on its own, which has been secured as a fixed deposit in the Kangra Central Cooperative Bank.
Federation treasurer Mamta Devi of Kotla Khurd village says the money was contributed as annual membership fee of Rs 100 per member, besides seed money received from women beneficiaries of different schemes.
Membership drive
“After negotiations, the bank management agreed to give us an additional 1 per cent interest on deposits and charge 1 per cent less interest on loans. This 2 per cent profit goes into the federation’s kitty and more women are extended benefits,” she says.
Mamta Devi says they are increasing the membership base. “Our target is to reach a membership of 30,000, which would mean an annual membership fee of Rs 30 lakh for the federation,” she says.
Madhu Rani, federation secretary, says women need overall empowerment, not just economic strengthening. She recollects that the federation members took strong notice of reports stating that 24 panchayats of the district had a sex ratio of less than 500. “We have undertaken an awareness drive and announced a scholarship programme. Two girls from poor families are being shortlisted in each panchayat. They will be given a scholarship of Rs 200 a month. We will track pregnancies and prevent foeticide,”she says.
The federation has applied to the Deputy Commissioner for a suitable plot of land so that the activities of SHGs can be coordinated from there. “We are also talking to some local industrial houses to provide us financial support for the office from their corporate social responsibility funds,” she says.
Market grows
Every member has a specific role to play, right from the SHG level to the federation level.
By the next kharif season, the federation will begin selling farm inputs like seed to the members with buy-back schemes. “We are documenting proposals for the certification of branding and packaging of processed food items like local spices, mango powder, pickles, jams and syrups and providing marketing assistance to our groups with a small profit margin for the federation,” says Subhadra Devi.
The federation has set March 2018 as its target to achieve cumulative bank savings of Rs 10 crore, with the objective to launch a rural women’s mini bank to address their income generation and savings needs.