This 3rd Effects Monitoring Report is structured a little different from the previous one. One year back, we gave a detailed Baseline on each Sub Effects indicator, which described the history and recent past. We then relied upon secondary data to bring out the Results or Effects. This time around, the emphasis was on Primary Data collected from 71 Cluster Review meetings.
These meetings were held once a week, every week, in each Cluster, for 6 weeks. Elected functionaries and active Member Coolies discussed each Sub Effects indicator and gave their frank and honest appraisal supported with a wealth of detail which the respective Area Field Worker, Mahila Trainer and Case Worker captured. These 426 review days, conducted in April and May 2006, were a thrilling experience. All other work literally came to a stop for one day a week, every week, in 71 Clusters.
A comparison of the 2nd and 3rd Effects Monitoring Reports reveals that Member Coolie families have taken comments and conclusions made a year back very seriously. We had, for example, then said that ad hoc efforts to place youth in jobs had to become more structured. This has happened with a vengeance. The same is true with regard to increasing CSU membership without compromising on ideology, improving the performance of Coolie Sangha women elected to the Gram Panchayats, consciously encouraging inter-caste marriages, stopping under-age marriage, increasing the number of girls in college, encouraging more SC/ST and Muslim youth to take up jobs in the cities.
Coolie Sangha response to comments made with regard to the CCFs have been mixed. While lender confidence has certainly improved since the village CCFs meticulously followed the recovery plan we have suggested, the Overdue problem still looms large. It keeps the overall quality of the loan portfolio low.
We have deliberately not cluttered this 3rd Effects Monitoring Report with too many tables or footnotes. Instead, we have allowed our primary stakeholders’ statements to speak for themselves.