Hope Dawns as Women Beat Poverty

Hope Dawns as Women Beat Poverty

In India, hundreds of self-help groups provide one example of how women can mobilize to improve their lives.
Photo courtesy of ILO
In the villages of India, women are organizing against poverty. With the backing of a team from the ILO Bureau for Workers' Activities (ACTRAV) hundreds of "self-help groups" have been set up. These groups now ensure a trade union presence in some of the most remote areas of southern India.

The aim of the project is to integrate women from the rural sector into the unions. This is all about new organizing, of course, but it is also a response to a pressing social need. "Rural village women are the most vulnerable group in Indian society," Susamma explains. "If you take a look at their working conditions, you'll think you have gone back a hundred years in time. The labour legislation does not protect them. As for their living conditions, many of
them see the poverty threshold
as a distant horizon. Generally,
they are far below it".

Self-Help Groups
Some 75 kilometres from Chennai, formerly known as Madras, lies Kanchipuram, the "city of the thousand temples". One of India's seven holy cities, Kanchipuram is an important place of pilgrimage for Hindus. Just next to a temple, beneath the scorching sun, Neela is selling souvenirs from her little stall. Aged 41, this smiling young woman sees herself as a survivor. A survivor of poverty. Her first husband, a truck driver, died leaving her one daughter and later the daughter died after the death of her husband. In line with tradition, Neela "was remarried" to a man almost twice her age, they have two daughters and two sons. She also took care of her new husband and the four children. "If it were not for the project, I suppose I would have had to send my children out to work," she sighs.

"The project" - for Neela, the words seem to have an almost magical ring. The same goes for hundreds of other women we meet on the trail of the "self-help groups" set up with the backing of a team from the ILO Bureau for Workers' Activities (ACTRAV). These groups now ensure a trade union presence in the most remote areas of southern India.

Neela is a pioneer. Twelve years ago, when she joined the Indian National Rural Labour Federation (INRLF), she had never been outside her village, Keesavarayampatti. There, some 120 families try to scrape a living from the land. Neela worked long days in the rice paddies to support her children and her ageing husband. Many of the men have left the village to work as truck drivers or on building sites. Because work in the paddies depends on the whims of the climate. "No rain, no work, no income." In the south-east Indian state of Tamil Nadu, rain is often in short supply. From January to May, drought prevails, and the summer monsoons, from June to September, cover less than 50 per cent of the people's water needs.

In 1997, with her union's assistance, Neela set up the first self-help group. She and about twenty other women from Keesavarayampatti decided to set aside a rupee per day (1US$ = 40 rupees). The money was kept in a chest belonging to the group. Six months later, they had about 3,600 rupees in the kitty - enough to raise a bank loan. Later through the ILO IGP programme the group was assisted to buy 15 cows. Seeing this the Government as well as the Banks came forward to give them some more loans. "Before that," Neela recalls, "we didn't have enough milk for our village and our children used to drink black tea. Now, they drink fresh milk, and we even sell some milk on to other villages." Fired by this success, Neela went on to organize about a hundred women. Today, the INRLF has more than 300 self-help groups.

Rural women are the most vulnerable group in Indian society. If one looks at their working conditions, it's as if one has gone back a hundred years in time.
So the goal of organizing Tamil Nadu's rural village women was met. That challenge had been set the year before by the lawyer and ILO activist Susamma Varghese. She soon became the lynchpin of a project financed by the Danish government and implemented by the ILO Bureau for Workers' Activities.

The aim of the project is to integrate women from the rural sector into the unions. This is all about new organizing, of course, but it is also a response to a pressing social need. "Rural village women are the most vulnerable group in Indian society," Susamma explains. "If you take a look at their working conditions, you'll think you have gone back a hundred years in time. The labour legislation does not protect them. As for their living conditions, many of them see the poverty threshold as a distant horizon. Generally, they are far below it. So unless they can act as a group to take charge of their lives and collectively improve their lot, nothing will change. That's why union organizing was a must."

Bonded Labour
For many of these women, the first thing is to break free from money-lenders who have no compunction about demanding interest rates of 10 per cent a month! In the villages, stories of loan sharks abound. Avantiben Laxman, a woman from Bhadakya, near Indore in the central state of Madhya Pradesh, tells just such a tale: "My husband had borrowed 4,000 rupees (100 Euro) from his boss, a landlord, to pay for his brother's wedding. He had to work for four years to pay it off. The landlord docked it from his wages each month. In fact, there was virtually nothing left to live on. He never knew how much he had really paid back. He just toiled on in the fields to pay it. During that time, I had no choice but to take the children out to work with us in the fields."

Often, the victims of this usury are just one step away from debt bondage. According to figures published by the ILO in its 2001 Global Report on Forced Labour, more than 2 million Indians were still thought to be victims of debt bondage by the end of 2000. They have to work free of charge for somebody else for years on end, until a supposed debt is finally purged. Parents indebt themselves for life in order to give their daughters a dowry and a wedding that does the family proud, to send a child to a good school or to provide a decent funeral for a loved one.

The great majority of bonded labourers are from the dalit ("untouchable") or adivasi (indigenous) communities. The debts they contract rarely exceed 10,000 rupees, but repayment through work can take many years, and this duty can even pass on from one generation to another, without the bonded labourers' ever knowing how much has finally been paid.

Unfortunately, there is no shortage of people willing to profit from the distress of the poorest castes. So to get the self-help groups up and running, barriers had to be surmounted and suspicions overcome. Bhuribai, who set up a group in Joshiguradia, near the village of Dattoda in Madhya Pradesh, remembers one such problem. "Some people came along who said they wanted to help us save up and to raise loans for those of us who needed them. For the loans, they told us to 'save and your turn will come'. Too late, we found out that it was a swindle. They went away and took all our savings with them."

But these days, thanks to trade union support and appropriate training for all members about micro-credits, the self-help groups are working. Six trade union organizations are taking part in the ILO project, financed until recently by Danish development assistance and now funded through Norwegian development cooperation. Almost 1,200 groups, each consisting of about twenty women, meet once a month and in some groups they meet even once a week in several dozen Indian villages. And a multiplier effect seems to have set in: since January, more than fifty new groups have been formed. "Before, the banks just didn't want to know. Now, they are seeking us out and offering us special loan terms. If you can get two thousand rupees together, you can raise a loan of 8,000 at reasonable interest rates," explains Neela in Kanchipuram. For most of the self-help groups, collective action plus a small helping hand from the ILO has made it possible to start up income-generating activities, such as cattle-raising, weaving or baking. Freed from the clutches of the usurers, the women in these groups are now bringing money into their households.

Most bonded labourers are from the "untouchable" communities. The debts they contract can take many years to repay, and this duty can even pass on from one generation to another.
Income Generating Activities
Karaikkudi is the site of sumptuous palaces once built by the Chettiars, Tamil Nadu's banking caste. But just 20 kilometres from there, the village of Keelavanthippatti makes a striking contrast. Here, the small houses have an improvised look - four grey concrete walls topped by a roof of palm leaves and surrounded by trellises to keep off the sun. Paths of earth and pebbles run between the dwellings of several hundred people. Highlighted by the dazzling sun, the women's bright, cheerful saris stand out joyously against this sombre backdrop. There is dignity in every face. Vijaya is smiling. She is 38 years old, and her husband Estore is five years her senior. They have just put down a concrete floor in their cottage and they have been connected to the electricity supply.

They have even paid their first bill. Their son has been able to finish his studies and has gone to Malaysia, where he is working in a hotel. Vijaya is a beneficiary of the programme implemented by the ILO Bureau for Workers' Activities. In all, some 250 women have benefited from it in the villages of Tamil Nadu and Madhya Pradesh. With her first loan of 10,000 rupees, (an ILO assistance through the project),Vijaya bought a cow. Now, she has eight of them and she sells several litres of milk a day. "I used to spend more than 400 rupees a month on milk for my family. Now, I earn 530 a week by selling the surplus that we don't use ourselves. Thanks to the ILO, I have gained my freedom, and now I want to help others to do the same." Vijaya does voluntary work with the Panchayat, a sort of local authority for one or several villages, to help kids who have dropped out of school. In the neighbouring village of Velyari, Vellaiyammal also obtained a loan of 10,000 rupees from the ILO programme. She topped this up with another loan from the Pandiyan Grama Bank, which specializes in micro-credit. Now the owner of two cows and four calves, she earns 720 rupees a week. One of her two daughters has married and has a baby. The self-help group lent her 10,000 rupees to pay for a caesarean. "The baby is doing fine. He's fed on pure milk!" The cows are insured. She has donated a calf to the temple.

Demands and Solidarity Actions
While the incomes generated have certainly put the groups on a stable footing and made the project more durable, the real benefits are to be found elsewhere. Now, the village women can make themselves heard and can defend their interests collectively. At a meeting of the group in Ayyampaliam, to the north of the town of Tiruchchirappalli along the River Kaveri, things become heated when the discussion turns to the village dispensary and the nurse in charge of its maternity ward. What is the problem? The report of the previous meeting makes things clear. For each birth, the nurse charges 750 rupees if it is a boy and 500 for a girl. This little scam has been going on for 10 years, and women who refuse to go along with it are threatened. The fear of an unassisted birth always gets the better of them. And yet the services of the dispensary are supposed to be free of charge for the village women, including births and the injections for which the nurse now charges between 25 and 35 rupees, depending on who she is dealing with ... Calmly, Mr. Pathmanabhan, the coordinator of the UNIFRONT union to which the group belongs, asks if there has been any progress. It seems there has. Since the group took up this case and used some solidarity, several other self-help groups have signed up to a complaint lodged with the "collector", the officer responsible for the district. He has promised to launch an enquiry. And the nurse's attitude already seems to have changed. She has even apologized, the group hears. Rationing is another issue settled by the group. The women who run the village shop had got into the habit of selling underweight and charging for items that should normally be distributed at a very low price under the rationing system for the worst-off. And it was the group which secured improvements in the meals served to the 350 children attending the village primary school, got a road built into the village, sanitized the well that provides the village's drinking water and installed toilets near the houses. The group even won a prize from the Panchayat for the cleanliness of its toilets.

Freed from the clutches of the usurers, the women in these self-help microcredit groups are now bringing money into their households.
Campaign Against Alcoholism
But the women also tell the trade unionists again about a problem which they thought had been solved. Alcoholism is still rife in Ayyampaliam. Pathmanabhan whispers: "Trichy (short for the Tiruchchirappalli region) was long known as Little Pondicherry." Pondicherry is about 150 km to the north-east of Trichy, on the Coromandel coast in the Gulf of Bengal. Restored to India in 1956, this territory was the bastion of French traders and the headquarters of the East India Company. It is best known for its night life which, according to Pathmanabhan, features the copious, duty-free quaffing of "Sharab" (alcohol).

In Trichy, UNIFRONT had already managed to undertake campaigns and struggles to get rid off alcohol, since this was creating a lot of problems for the women. But it seems that a new campaign is needed, and many other villages are in the same quandary as Ayyampaliam. More than 1,200 kilometres to the north of Trichy, in the state of Madhya Pradesh, lies the splendidly isolated hamlet of Chikli. Here, a woman named Lalita tells us, "the women make their own alcohol and sell it". A member of the Chikli self-help group concurs: "For 80 rupees, they can buy five crates of Mahua flowers. They mash them and let them ferment for five days. They then have 300 rupees' worth of alcohol..." The Chikli group, too, has decided to make the fight against alcohol a priority in future.

A Multipurpose Network
On the way back, our jeep slows down behind a herd of cows. Two children are taking them back to the sheds after a day in the fields. "Child labour is very common here. They help their families, raise the cattle and work in the fields," says Seema Goud, a GMCEVS coordinator.

Today, throughout Tamil Nadu and Madhya Pradesh, the self-help groups have woven themselves into a real network. Increasingly, they are coordinating their activities, under the stimulus of Susamma and her team in the field. Altogether, the unions now have more than 100,000 members, in addition to those in the groups. On 12 June, the World Day Against Child Labour, they mobilized thousands of women in the two states. This year, their activities focused on workers' rights, but their structures also help with vaccination and literacy campaigns and the fight against HIV/AIDS. In Indore, Madhya Pradesh, the competence, activism and commitment of the 3,000-member union group SRUJAN never fail to impress. USAID, the American government's official aid agency, has asked them to take on the responsibility for a health promotion project in eight villages.

Never before can the ILO have been so close to the grassroots. In India as elsewhere, the fight against poverty starts with collective action. This is, Susamma concedes, still just a drop in the ocean. "But a drop plus a drop plus a drop ..."






Contributed by Luc Demaret, Bureau for Workers' Activities, ILO. Reprinted with permission from International Labor Organization.

To read another Global Envision article about how microfinance can make a difference in the lives of the world's poor, see Macro Success through Microfinance.

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