|
TABLE 2
LOAN STATUS OF WOMEN SHGs AS ON 30.06.1994
| ACTIVITIES
|
NO.OF
LOANS
|
LOAN
AMOUNT
|
PRINCIPL
ERECOVERED |
INTEREST RECOVERY
|
AMOUNT
OUTSTANDING
|
PRIN-CIPLE
OVERDUE
|
INTEREST
OVERDUE
|
| Astra Ole |
10 |
500.00 |
500.00 |
315.00 |
- |
- |
- |
| Clothing |
14 |
32,000.00 |
3,200.00 |
401.00 |
28,800.00 |
- |
- |
| Education |
28 |
7,260.00 |
3,850.00 |
452,75 |
3,410.00 |
- |
- |
| Food |
652 |
337,546.00 |
225,911.85 |
96,522.40 |
111,634.15 |
1,094.00 |
3,707.50 |
| Health |
259 |
97,497.00 |
54,842.75 |
14,493.20 |
42,654.25 |
550.00 |
870.00 |
| Loan
Clearance |
6 |
14,800.00 |
9,400.00 |
1,161.00 |
5,400.00 |
- |
- |
| Socio-Religious |
258 |
170,250.00 |
79,271.50 |
26,266.50 |
90,978.50 |
- |
- |
| Travel |
66 |
30,815.00 |
15,375.00 |
5,190.00 |
15,440.00 |
- |
- |
| Crop |
901 |
516,040.80 |
391,756.65 |
84,108.25 |
124,284.15 |
5,150.00 |
3,980.00 |
| Fodder |
1 |
2,000.00 |
2,000.00 |
200.00 |
- |
- |
- |
| Horticulture |
2 |
7,000.00 |
3,000.00 |
640.00 |
4,000.00 |
- |
- |
| Irrigation |
1 |
1,000.00 |
- |
- |
1,000.00 |
- |
- |
| Land Dev’pment |
28 |
18,476.90 |
11,675.00 |
2,808.00 |
6,801.90 |
- |
- |
| Land
Purchase |
4 |
10,700.00 |
4,700.00 |
1,930.00 |
6,000.00 |
- |
- |
| Cow/Buffalo |
81 |
261,650.00 |
106,147.00 |
21,373.23 |
155,503.00 |
- |
- |
| Bullocks |
12 |
16,000.00 |
7,400.00 |
1,435.50 |
8,600.00 |
- |
- |
| Sheep/Goat |
7 |
10,900.00 |
5,700.00 |
2,475.00 |
5,200.00 |
- |
- |
| Insurance |
16 |
4,460.00 |
1,560.00 |
106.00 |
2,900 |
- |
- |
| Petty
Business |
4 |
7,000.00 |
400.00 |
42.00 |
6,600.00 |
- |
- |
| H.
Construction |
5 |
5,100.00 |
2,665.00 |
712.00 |
2,435.00 |
- |
- |
| H. Elec’fication |
1 |
300.00 |
300.00 |
48.00 |
- |
- |
- |
| H. Repair |
5 |
2,745.00 |
745.00 |
30.00 |
2,000.00 |
- |
- |
| TOTAL |
2,361 |
1,554,040.70 |
930,399.75 |
260,809.85 |
623,640.95 |
6,794.00 |
8,557.50 |
|
6.11
Equity in Wages :
Evidence from all sources indicates clearly that womens wages are on
the average 50% less than what men earn.
This difference is the result of cultural, administrative
and traditional factors, some of which are described below :
- The work that men traditionally perform
is considered to be "skilled" and
"heavy". Even the Department of Agriculture considers womens work in Agriculture "unskilled".
What is more striking and of concern is
that even women consider men’s' work as more skillful. The study "Gender in PIDOW" quotes a womens
group as saying "our men spend a lot
more time in the fields and this itself gives them greater exposure to gain skill".
Further analysis indicates a complex set of inter-acting factors which
influence this disparity. Activities can
be grouped into three categories according to certain features
that each group has in common :
- Traditional activities like agriculture and animal husbandry which
are undertaken every year and take up
a comparatively longer period have an impact
on life throughout the year. It is these activities with which village life is intrinsically inter-woven; religious,
cultural and family practices are largely
conditioned by these activities.
In these activities the roles of men and women are more clearly
demarcated than in others; when labour
in such activities is hired out, the roles and rewards of women tend
to be conditioned by their status in traditional society; and since
traditional society tends to marginalise
women and give them lesser importance, atleast as far as
their roles in society are concerned, their contribution to these
activities is also given less value. The
intervention in PIDOW did not increase these activities to any great
extent, nor did it attempt to change the roles that women played in traditional activities; the introduction of
threshing machines did have an unintended impact
by decreasing the work load of women.
- In the second group fall activities which are traditional but are
not regular and do not play a major
role in the life of society and the family; examples ofsuch activities
are water and soil conservation measures. These sporadic activities
are not implemented by all the families; the degree of involvement of each family in these activities depends
largely on the type and extent of land,
potential for harvesting silt, the degree of initiative and hard work
that the family has and the
opportunities for alternative wage employment. The PIDOW
Project raised the level of involvement in these activities to a very large extent. Analysis of the wage pattern
during these activities indicates that
women did receive a higher wage proportionate to the work they did when compared to what they received in
agriculture. The distinction however,
between skilled work done by men and unskilled work undertaken by women continued to operate, resulting in
women receiving lower wages than men.
- In the third category of activities fall a few which are relatively
recent. A good example is the forestry
nursery raising programme. Decentralised nurseries
run by groups of women have emerged all over the Project area. Many
of these nurseries earn an income by selling saplings which they had maintained for periods of three to six months.
Experience in Gulbarga indicates that in
such recent activities, women play a relatively dominant role,
both because these activities are suited to women and also because they
are not conditioned by traditional practices. Studies indicate that in nursery raising, women’s wages are
comparatively higher than what men earn.
The study "Gender in PIDOW" arrives at similar conclusions.
It relates the "resource
involvement" of men and women with the economic compensation they receive in three areas, namely Forestry, Water
and Soil Conservation and Agriculture.
The study does not define the indicators it includes under "resource involvement" and what standard it has used
to assess each indicator; therefore it has
to be taken in a general way. The study concludes that in the activities
of women related to agriculture which
are considered to be unskilled, their resource involvement
amounts to 60% compared to the contribution of men which is only 40%,
the economic compensation of women however is only 40% of the total while that of men is 60%.
In activities related to Water and Soil Conservation where womens work
is still considered unskilled while men
are the "Key players", women’s and men’s' contribution in terms of resource involvement is equal; the
economic compensation women receive
however is only 40% of the total whereas men receive 60%.
In the case of forestry there is a significant change. Women have been
identified as the "key
players" in this sector. The "resource involvement" of men
is 30% and that of women in 70%. The
economic compensation of women is 70% and that of men
is 30%. This does present an equitable picture. |