r GIRLS EDUCATION Education of Girls: Even after fifty-five years of independence of India, girls in India do not have the opportunities to educate themselves, in spite of education being fundamental rights in the constitution of India. Mann Deshi Mahila Bank (women Bank) and Mann Vikas Samajik Sanstha (NGO) consider their primary task to work on education of girls. If women have assets and are educated they would never be vulnerable as they are today.
Women’s bank and NGO have annual meeting to gather, and members of both the organization who are women, every year they take up the campaign for the social issues.In 1999, the campaign was taken up on “women will not kill female fetus”, which was against sex determination test. Since last two years women members of the Bank and NGO are emphasizing on health and education. It is so obvious that if income of women increases and if they have control on their income they tend to invest in the education and health of the families.
Bank with the partnership of NGO have already started health insurance is now focusing on the education, especially on girls education.NGO and Bank started the program, when Maya, a twelve-year-old girl came to the office of Bank and said, “I have passed my seventh grade with second rank and want to go for the VIII Grade but as there is no bus; to go to high school from my village my parents are withdrawing my name from the school. This incident made us think seriously, though we immediately contacted Maya Parents and teacher and provided her bicycle. This became the regular program. State of education Education for all continues to be acute problem in India.Despite the fact that government targets were education for all by 2000.
An estimated facts are as below, 33% of children above age of 7 are illiterate, 42 million are not able to get access to basic education. And 100 million children are out of the school. The plight of girls remains considerably worse then the boys. Drop out rates are increased in recent Years, according to the recent statistics, over 40% of the children in class 1to 4 dropped in 1999-2000 compared to 38% in 1997-1998. Problem: Reduce the drop out from the school is major challenge. 0%of the poor live in rural area where barrier to staying in the school can be classified in following way.
*Lack of schools approximately 16. 6% of the habitants is not served by primary school with in a distance of 1km. *In case of upper primary school 28. 5% of the habitants are not served with in the official distance norm of 3km.
poor quality of existing school. *Poor infrastructure of the school, 40% of schools children have no access to safe drinking Water and 10% schools are rum in thatched hut. *Lack of trained teachers is also the one of the reason of poor attendance.There are reasons on the demand side also; these are direct cost, opportunity cost and social taboos especially in case of girls. Girls are often taken out of the school to help with family responsibilities such as caring for the younger siblings; fetching water and cooking at the time of harvest, as even wage earner go to work in three shifts during season. Girls are also likely to be taken out of school, if there is no transportation available to the secondary or high school parents avoid sending girls.
United Nations cannot achieve millennium goal, unless India does effective role in education of its children, especially girls.Program to open the doors of education to girls, Providing bicycles: Even in such situation rural communities are trying to work out the solutions to educate their children and to educate their sons parents even go for the loans and end up paying higher interests to the private lenders. Once the income of women rises and they have control on their income they prefer to invest in education and health of the family. Though primary and secondary education is free but parents have to spend on books and school uniforms.And there is also need of making the transportation facility available to girls, as secondary schools are in one central village, which is far for the remote villages.
Our NGO with the partnership of Women Bank have started to work on education of girls. To start with we are providing the bicycles to girls who may drop out because higher secondary school is far and there is no public transport and their parents cannot afford to buy bicycle. We have started the program of adopting girl child and providing bicycles our fifteen self help group have adopted ten-girl child and have made bicycle available to them.Once they are in the school, then the second move would be to provide books. We have already started providing the books, in 2002; we provided books to 56 girls. As the magnitude of the problem is very high, NGO has plan out the program with the coordination of the micro credit program, which is discussed below.
Book banks: Many children in urban areas buy books and they either sell off their books, if students are appealed to donate the books, we can be able to generate books for the needy and even buy new books if needed, local donors can help us in this matter.Self-help groups will take Book bank responsibility with the senior students; this will also create the atmosphere of promoting education in the villages. Monitoring of the drop out of girls students from the school: In 225 villages NGO and the women Bank have set up the self help group for micro saving and credit group leaders will be in regular touch with the Government school in villages and would monitor if there is any drop out if there is any drop out of the school, then will find out the reasons of drop out and work accordingly. Assistance for the further education:NGO is already working in the collaboration of Mumbai based NGO, which provides the scholarship to the students who need fees for the further education. This NGO is Brihad Bhartiya Samaj(Indian society at Over seas) Promoting the culture of higher education among the rural poor: On one hand NGO with the partnership of Bank is providing assistance to poor family to invest in the education of their girls and on the other side to promote the culture of education of girls, Bank and NGO give certificate to the father in the public program who are educating their daughters.
The most challenging task is to create the motivation among rural communities for the education. People are frustrated with the education system and services, in Villages. One would see every year some private school opens up in village and people feel, they may get better education and would send them to the private school and with in few days that school would be closed for several reasons and one of the reason would be the permission from the Government and even Government schools are not running properly.People find them selves in the vulnerable situation. Secondly, some people send their children in the high school and the standard of the high school is so bad that their children cannot compete further in colleges.
And if they did the education is so irrelevant that if they cannot get government jobs (which are impossible) they cannot create employment for themselves by what they have learnt in the schools and colleges. There is need of long term campaign to change the education pattern and make government accountable for the education services they give.Program to provide the Bicycle to the Girls: This program is conducted with the partnership of Bank and NGO with the coordination of the government school. Idea is to get the seed fund and revolve this fund on interest to needy women and interest earned by this fund will be used for the bicycle program. On one side, needy women will get the capital assistance and other side girls will get the bicycle for going to school.
Idea of running the program on the interest is that once the NGO gets the seed fund the program will continue regularly, will not be stopped as in lack of funds. Now the obvious question would be what if the loans are not recovered? Loans to women will be given through self help group federation and recovery of the federation is beyond 98%, this will not be the only fund which will be rotated on interest, self help group regularly does the saving and credit business, so the first interest recovered by the members will be used for the bicycle program.The chart below shows that the fund of five hundred thousand will be revolved on interest to women and the interest earned from the amount will be used for buying the bicycle. This way once we get the fund program will be able to run on its own and will be self-reliable and regular. The chart below shows in the amount is five hundred thousand then 50 women will get the loan in first year and fifty girls will get the bicycle and will be saved from the drop out.
For the Innovation Fund of Five Lakhs for the bicycle For the girls Five Years (five hundred thousand) Innovation FundWomen getting Loan 10000 Per WomenInterest Earned With 15 %Girls getting Bicycle Rs 1000 Per GirlAdministration Cost Per YearSelf Created Fund 500000505000007500050500001500010000 51000051510000765005252000150009500 51950051510000765005555000150006500 52600052520000780005858000150005000 53100053530000795006060000150004500 ICRW has committed to give financial assistance for this program. Chetna Sinha
