With so many problems plaguing agriculture today, a farmer stands a good chance of getting subsidies, loans and professional guidance if he joins a self help group or creates one. In addition, these groups are also good stress-busters. In terms of crop failures or other unknown reasons these groups help the farmer to unwind and relieve his mental stress.Sadhu Deepthi is the name of an SHG with about 20 farm women (whose husbands are mostly farmers), as its members at Kakkayam village in Kozhikode district. Most of these women have little formal education and have land holdings from 3 cents to 4 acres.
The group was initially linked to a co-operative bank for availing loans to start various income generating activities and they are repaid out of the profit gained through several activities of the group.
Mrs. Daisy Francis, Joint Convener of the group, says: “Many of us had availed loans and have completely repaid the amount from the income that we generated out of our activities. As of now, each member has a share of Rs.5,000 to Rs. 9,000 and any member can avail a loan of up to Rs.30,000 at a very minimal interest and can repay in easy instalments. We never depend on the local money lenders,”
All the members cultivate vegetables organically to meet their needs, using vermicompost produced by them.
About ten women members started dairy units with two to seven cows. Each member gets a net profit of Rs.100- Rs.140 per day per cow through the sale of milk to the nearby milk co-operative society.
They also earn Rs.2000 to Rs. 14,000 through the sale of cow dung in a year. Some of them get an additional income of Rs.5,000-Rs 6,000 through the sale of calves.
Four members started a goatary unit, each with 3-7 Tellicherry breed goats, which brings an income from Rs.1,000 to Rs. 9,000 every year for each woman. In addition, the goat’s dung bring them an additional income of Rs 2,400 to Rs. 5,000 per year.
Mrs. Sainaba a member says, “the expenditure on each goat is around Rs.100 per year towards medicines and we do not spend any additional amount on feed, as sufficient green fodder is locally available.”
Every group member has started a poultry unit with an initial supply of 280 chicks and increased the number of birds to 2,000 in the same year. The women earn up to Rs.11,000 through the sale of eggs and meat in the local market.
Two women have started rearing ornamental fishes and have sold them for Rs.4,800 within a year.
The KVK has also been rewarded and rated as “excellent” in its activities for promotion of farmers’ groups in the State of Kerala by the NABARD.