Grain Bank
Rationale to form the Grain Bank :
- Food Deficit during the lean period i.e. 3 to 4 months in every year (July to October)
- Drought
- Exploitation by Sahukar & Gauntia
Goal :
- To ensure food security during lean period as well as to meet the emergency need of the community
Objectives :
- To form & strengthen Grain Banks in all operational villages
- To meet the food deficiency in the lean period
Strategy :
Member Composition:
- A Grain Bank may be formed taking minimum of 10 members
- Involving all Households of the community
- Priority will be provided to poor and needy
Saving:
- Individual saving may vary from 5 tambis to 10 tambis
- Saving quantity will be fixed by community relating to the saving capacity of poor
- Saving benefit will always added to groups & group will decide about the individual benefits
Loan:
- Loan can be disbursed at the time of need & the community will decide for that.
- Repayment will be made after harvesting. In case of drought/emergency group will decide what can be done
- No recurring loan will be entertained
- Priority will be given to non-loaners
- The Upland beneficiaries of the respective villages will return the support amount to the GB after the harvesting
Interest :
- The interest rate will be fixed at 25% per Year i.e. 5 tambi per 20 tambi grain
Matching Grant :
- It will be provided for minimum three years as against members deposit
- It may be extended observing the availability of fund
Records :
- Meeting book (Resolution)
- Saving record
- Loan disbursement record
- Grain bank member’s details
- Matching grant record (contribution register)
- Loss & Benefit record
- A single register for all above the record
Management :
- One member will be nominated from GS executive body to look after all the grain bank related matter with a selected member from grain bank
- The EC member will be called as “Sasyagar Parichalak” & the member from grain bank will be called “Sasyagar Upaparichalak”
- Rotation of management will be revolved in every two years
Storage :
- Proper storage of grain will be ensured with indigenous practices
- It will be in a common place
Meeting :
- It must be in every quarter i.e. 4 times in a year
- In case of necessity it can be more than 4 times
Utilisation :
- The stock can be used for any other emergency purposes of community/individual
Threat :
- Regular saving
- Proper management
- Loan repayment
- Drought
- Wild animals
- Capacity building