The income of a family can be critical for their health, education
and social development. It can help them to live in a house
with a good sanitation-safe water and clean latrines-and to
afford enough healthy food for all. Vulnearable groups of the
population, particularly slum groups, need help to generate
inomes. Why Credit Schemes? Credit schemes stimulates savings
and also provide loans for micro-entrepreneurs and has scope
to become self-supporting.
Women's Credit and Health Scheme: The Academy initiated
the formation of women Self Help Groups in all the 41 slums
of Secunderabad, where the organization is implementing Prevention,
Care and Support projects.
The identified PLWHA women are motivated to form self-help groups.
The groups were then given rigorous training during which each
member enters a compulsory savings scheme. The composition of
the group will be 5 HIV infected women and 5 HIV affected women.
The savings act as collateral for loans. Each member of the
registered group saves money for 6 months after which she is
eligible to take loans. The loan amount varies according to
the project the member proposes and her individual savings.
An interest of 18% is charged on these loans. The Academy also
trains them in business skills, for low-income micro-entreprises.
The government schemes(Dwakra) and Bank were
approached for Matching Grants and Revolving Fund, to these
groups to start their own income generation activity of her
The overall activity will be supervised by
Nrityanjali and the Nrityanveshini (NAP+) group
The scheme has already reached 250 women in slums. The key to
success of its success include:
government backing and support.
of HIV infected and affected women from the community
the influence and guidance of slum leaders, by forming decentralized
committees, to ensure that borrowers are credit-worthy.
seeks to equip HIV infected and affected women with the knowledge
and skills, needed to protect and improve the health status
of their families.(eg: nutrition, disease prevention, response
to illness, and protection and improvement of immediate physical
seeks to provide necessary information and managerial skills,
to use all available resources and technology efficiently so
as to increase productivity and raise incomes and purchasing
literacy to empower women to identify the sources of their problems
and take counter-measures, the life skills they need to lift
themselves out of their vulnerable condition.