Disaster Preparedness

Comparison study of the linkages before and after the Operation of security card in kethanayakan patti villlage

AIM

To verdict out the impacts gained by the security card by comparing the state of affairs    mainly the linkages they had before and later than the utilization of security card.

FOCUS OF THE VILLAGE

The assessment was done in Kethanayakanpatti, which is 8 kilometers from Thiruchuli. Most of them were working intended for monthly and weekly wages in Mills. THE card holders were using the card in intervals of months eg.,every month , once in two or three months, once in 4,5, and 6 months, 7,8,9 months etc.Card usage and the repayment in Kethanayakanpatti village is well and good 26card holders were participated in doing the assessment.

PURPOSE OF THE ASSESSMENT

They need to depend others due to inconvenience to accomplish their needs. Before offering the security card they had many linkages among various departments like stores, relatives outside and local lenders, Banks, person who suggest for receiving benefits for them nanayam groups, and also the cook. The village people were got lead through the linkages. After the security card was offered they used to get benefits through the NanyamDepartment stores and this Study helps to contrast the benefits between the linkages before and after providing the security card.

LINKAGES BEFORE THE SECURITY CARD

LOCAL LENDERS

They need to meet the local lenders more than four times for receiving debts and they also charges 3% interest .The villagers also ready to get hold of due to crisis even though they knew it is for huge interest

Only on trustworthiness they get debt or else they may not.

Being a local lenders they will believe on family circumstances whether they may refund it or not.    

LENDERS FROM OUTSIDE

Due to emergency they are set to get money at 5%interest from outsiders 
And if they fail to disburse properly they may not acquire it once more during need and to pay back this they have a loan of from others also. Due to high interest lenders are issuing it as earlier during their need.

NANAYAM GROUPS

They do not suffer as debtors when they acquire money in-group. And not felt ashamed and they also didn’t lose their regard. Whenever there is need they were make use of  it. They obtain money for low interest. When there is emergency sometimes they may not get it from groups if the meeting was over.

PERSON WHO RECOMMENDS

The person who suggest in shops and moneylenders will get charge.  Inturn to get debt during emergency villagers loosed their money in the name of commission. In shops the price was high when it is taken for debt. They will not raise if there is no assurance in quality and quantity of the product.

BANK

The interest is very low and during the need they can get it.

RELATIVES

When there is no source they depend their relatives.  They will not get it during their need. Relatives have hesitation to provide the money due to the non-assurance of refunding it.

SHOPS

They have linkages in various department stores, Thiruchuli. The stores provide products to the person when he recognizes very well otherwise they get it only for ready cash.

LINKAGES AFTER THE SECURITY CARD

SPEECH

The villagers got assistance by many programs of speech .one of the program in gender and development is women’s security card in which they obtain the products in credit and they felt easy in paying in 2 installments with 1 % interest for their groups. They got more benefited by the speech which shows the way what they have to follow.

NANAYAM GROUP

They also get money for reimburse to card from the groups. They mostly depend their groups, which is fundamental that aid to have link with various departments. The money given at interest of 2 % is low when compare with other on the outside and local linkages.

CONCLUSION

After using the security card they have more allied upon nanayam department store. And now they depend more upon nanayam groups, security card, and nanayam department store  .The circle between these linkages is very strong among them. And the linkage between other linkages was less.No fear in bargaining, they have more self-belief on taking care of their relatives during occasion not even having money in hand. No need to depend others. Receiving quality and quantity assurance products in good manner. No tension, no confusion in managing family .Now they have practice of saving. Getting all the products in pockets.