Self Employed Women's Association (SEWA) - Empowering Women in India
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Case Details:
Case Code : LDEN029
Case Length : 09 Pages
Period : 1970-2004
Pub Date : 2004
Teaching Note : Available
Organization : Self Employed Women's Association
Industry : Service
Countries : India
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Excerpts
Overcoming Hurdles
SEWA organized people in the same trade and used their
collective bargaining power to buy raw materials at a lower rate. It also
provided credit to the co-operatives to cover the various costs which included
raw material costs, wages, marketing, etc. In order to increase the productivity
of the workers, SEWA introduced new tools or modern methods of doing things. In
the early 1970s, SEWA Bank acted as an intermediary between the SEWA members and
the nationalized banks and enabled the depositors of SEWA Bank to get loans. At
the beginning, the nationalized banks charged 9-16% interest, but this was
decreased to 4%, following SEWA's lobbying with the government. |
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In 1976, the SEWA Bank started giving loans from its own funds, and it
gradually withdrew from the credit arrangement with the nationalized banks.
By February 1976, SEWA Bank had a working capital of Rs.1,044,932 (USD
123,000). SEWA also started 'mobile banking.'The bank officers visited
slums or rural areas and the women did transactions then and there. A
recovery team was appointed to remind members who had availed of loans to
repay on time. The loan repayment rate of SEWA Bank was 92-95%...
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Future Plans
Since its launch, SEWA has been extremely successful
in improving the socio-economic conditions of self-employed women in
India. Now it aims to provide more facilities to its members through the
use of information technology. SEWA plans to use computers in the STFC
for handicraft/textile tracking and data-base needs. SEWA has also
signed an agreement with local companies to design and develop tailor
made software and training programs for SEWA members. SEWA is planning
to invest Rs. 360 million to set up a production facility, 'Apparel and
Accessories Park' in Ahmedabad with a capacity of 2,000 apparels a day. |
Exhibits
Exhibit I: Objectives of SEWA
Exhibit II: Structure of Co-Operative
Exhibit III: Growth of SEWA's Membership in India
Exhibit IV: Members of SEWA
Exhibit V: Types and Number of Member Cooperatives of the Federation
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