Sreema Mahila Samity (SMS) contributed Rs.10,000.00 for earth quake affected people of Nepal.


WASH is the comprehensive programme introduced by UNICEF to increase equitable and sustainable access and  use  of   safe  water ,   basic  sanitation  services,   and  to  promote  improved  hygiene.   The     hand-washing practices   have   also   been   shown   to   reduce   the   incidence   of   other   diseases,   diarrhoea-related   diseases   like cholera   dysentery   and   pneumonia,   trachoma,   scabies,   skin   and   eye   infections.   The   promotion   of   hand washing with soap is also a key strategy for controlling the spread of Avian Influenza (bird flu) etc.

‘Realizing the importance of the issue SMS started WASH and also life skill education for   the 100 both primary and secondary school students. Baseline   survey conducted   at   the   beginning   to   find   out   the   socio-academic   background   of   the school students and measured their height and weight individually to know their physical growth. The survey shows that   27.8 percent students are much below the Indian standard of height and 49.05 percent students are below the   standard of weight.

Therefore   it   is   essential   to   render   the   hygienic training   to   these   children   at   this   stage.   Government   has provided  sanitary  toilets  in  every  school  but  all  are not  in  proper   use.   With a view to create   awareness   among school   children about   health and hygiene   we   have   prepared the school sessions of each school considering their social and academic status. These sessions include the information about   water, sanitation and hygiene.   Children are provided very detail knowledge about   water   –the   various   sources   of   water,   different   uses   and   the   difference   between   safe   and   contaminated   water, the importance of using the safe water. .

The   next   topic   is   hygiene.   We   are   talking  about   the   various   diseases   and   how   to   protect   oneself   from  those diseases  only  by  taking  care  of  the  personal   hygiene.   We are explaining all  the  ways  of  hygienic  action  like washing  hands   with  soap  before   food  and  after   using  the   toilet.   Importance of   using the   sanitary toilet   and hazards   related in going for   open defecation.   Washing  hands   and   feet after reaching  home  from  outside   like school,   market   etc. brushing  of   tooth every day , taking  bath everyday  in  clean  water  and  all   those  body  cleaning  activities.   Then  take  up  the  topic  of  keeping  the  house clean  like   disposal   of   waste   matter   and  disposal   of   child  faeces, different   disposal   ways   of   bio-degradable and solid waste. We talk about the ways of protecting the cooked food from contamination and the necessity of eating fresh food.

In the girls school Life-skill training is being imparted to the VIII class students. All the aspects of life skill  is  being  discussed  in  detail.   Various audio visual aids are being used for the life skill sessions.

he   students   are   enjoying   and   responding   well   in   our   sessions.  We are also getting   good cooperation   from the school authority. Hope our programme will bring a sustainable impression on the students’ life.



Sometimes few persons become an institution, Irmgard is one of them. She convinced her family and friends to support our special project for the poorest of the poor. Irmgard and her friends send regular financial support for the poorest people. She collects money from donation or by selling handmade products from their shop. She has been continuing her help since last 16 years. It reveals her kind heart and humanity.
This year 69 persons were provided support for education, health, house repairing, income generation etc. Two adolescent girls’ skill development program, four coaching centers for tribal students are run. It also includes support for raising plants in nursery, relief, drinking water etc. Most important supports are provided is medical support for which many poor people get new lives. Income generating program is a part of poverty alleviation.

All the persons got benefits from this project belong to poorest families, one of them is visually challenged and who is studying in Jadavpur University.


       Women are working at Nursery                           Monojit Biswas a visually challenged

                                                                                         person is supported for his education



In the scenario of rapid changing social connects all relations are either on the verge of falling apart or taking new shapes with multi dimensions. Social conflict resolution has becoming a challenge for a family unit, Panchayate.

Hence a new approach has come out to resolve these issues that would ensure rights and justice to the victim instead of being parochial and patriarchal.

Keeping the view in consideration, SMS started a Legal Aid and family Counseling Unit especially to help women to resolve family conflicts for which they are worse sufferer. People come from different villages to take advice and justice.

Generally when one approaches to the cell, she asked to give a complaint and on the basis of this complaint, the overall situation  &  circumstances are investigated and  both the parties are asked to come to the cell and meetings conducted and Legal cell of SMS tries to resolve the cases after counseling, if the case finds difficult then they are advised to take these into court and in this cases SMS support them to identify lawyers.

The following activities are done from this Legal aid & family counseling unit of SMS :

* Make the women of their legal rights and services available for them
* Make populace aware about laws and entitlements of women and children
* Awareness creation on legal services available in Ranaghat Legal Aid Cell for poor,
   marginalized, SC/ ST communities.
* Motivate and help people to resolve minor conflicts through discussions and dialogue
* Provide counseling services to commoners

Out of these 266 cases, SMS took initiative to resolve these problems










The cell has visible impact among the people of the area. The way SMS works, people rely on them, they come to seek proper advice and road map.

In this area, incidence of domestic violence has been reduced, women have become empowered, they do not hesitate to communicate with police or court.

State Women Commission and Calcutta High Court are well aware about the function of this Legal Aid & Family Counselling Cell of SMS. It has well established rapport with Court of Bongaon, Barasat, Krishnanagar, Ranaghat. They support in the cases which comes through SMS Cell.



This programme was started by SMS in Nadia district of West Bengal in 1991 with financial support of Children International.  There were 217 children who started to get the benefit of this programme.

Goal of this programme is to help to grow the child healthy, intelligent and self dependent.

SMS selects backward areas especially dominated by tribes and minorities in seven villages of Ranaghat – II and Hanskhali blocks of Nadia district, West Bengal.

Since  inception, year by year the number of children has become increased and has reached to 1175 in 2000 including non- sponsored children.

 Major activities are based on five issues -- 1. Health,2. Education,3. Nutrition4. Value and 5. Support to families and community.

Programs are covered in Health issue –

1.  Weekly health checkup of children in doctor’s clinic
2.  Support of medicine
3.  Referral case
4. Emergent health care
5. Dental checkup
6. Dental education camp
7. Health awareness meeting
8.  Home visit

Programs for education -

1. School supplies to the children
2. Provide different fees and special hope scholarship
3. Education awareness meeting etc.
4. Programs for Nutrition
5. Supply of nutritious food
6. Organize nutrition awareness camp
7. Values issue covers leadership training, awareness camp on child protection, free coaching, youth graduation etc.

Children get other different support as per their needs.

This programme has a very specific transparent selection procedure where socioeconomic condition of the family and need of support are assessed. Once a student is selected, s/he is followed up till the end of her/his education.
Regular home visit, discussions with parents, education awareness meeting with guardian & neighbors are the way which SMS follows and this way ensures that there is no drop out.

Achievement of this project

1. Increased awareness level of the families on health, education,
2. This children learned to keep their environment clean
3. Become aware about utility of safe drinking water
4. 100% families are using toilets
5. Guardians are aware about the education of their children
6. Children of the poorest families being educated are employed in different services
7. Early marriage of girl children has been reduced  

A major outcome of this project is development of Youth Groups who are the strength for the local community.

The grown up sponsor children are the members of these groups. They have developed leadership qualities, they are able to raise voices against injustice, take leading role in advocacy, awareness generation on social issues. They observe different world event for sensitizing community like sanitation, hygiene, environment etc.

They are guided and supported to form new youth groups who could support the community to avail their rights and entitlements.

The interested students are taught to make paper bags, greeting cards which help them to earn in future.
At present, Youth Clubs have developed their own corpus funds from different sources. They have set up a cultural group to present social issues through entertaining way. In addition to that they are engaged in greening the village programme, creating awareness on global warming, pollution factors.

These youths have become able to plan and implement independently different activities.




Sreema Mahila Samity is collaborative organization in Nadia district for CHILDLINE Programme.  This programme is supported by CHILDLINE India Foundation [CIF] as Nodal Agency funded by Ministry of Women & Child Development. It works in collaboration with other NGOs and government. It intervenes for supporting the child who are in distress and need through 24 hours toll free service. It also extends hands in supporting children who are suffering from HIV-AIDS and substance use.


The specific objectives of this programe are to:
     Reach out to each & every child in need of care and protection in need and emergency

     Work together with the allied system to create child friendly system that ensure child rights

     Advocate for adequate service for the children so that the best protection and interest of the child are in place.

     Learn from the experiences and joint review and determine strategy with other stakeholders to reach out more the child in need and distress.

Keeping in view the above objectives, CHILDLINE works according to the defined strategies.

1098 is the 24 x 7 hours toll free help line of CHILDLINE. When any call is received in 1098, team members of CHILDLINE of SMS inform the CWC and immediately rush to the spot of incidence.  After reaching to the spot, the victim child is taken under custody of CHILDLINE by either team member of SMS or the other organization that works with SMS. The child is then counseled and after that she/he is produced before the CWC board. Based on the situation and counseling outcome, the child is sent to his/her family or to any other safe shelter.

Open House

Open House Program is an important activity of CHILDLINE. As participation is one of the major rights of child, every month open house program is organized with the children where they express their problems and views. Team members counsel them. Children enjoy the day taking part in cultural program.

Outreach Camp

For awareness about 1098 toll free service outreach camps are organized throughout the year from where information regarding child in difficult situation is identified. In 2013 -2014 – 400 camps were organized.








Child marriage is a burning issues in rural, semi-rural as well as in urban areas of Bengal. Normally the victims are the girl child of 11 to below 18 age groups. Awareness has not been created so far among the poor and marginalized section where the options for avoiding economic problems are child marriage, trafficking or child labor. CHILDLINE works to protect those children from unwanted issues.



Meena [name changed] is a growing child of 13yrs old and resides in Dighirpar, Ranaghat, Nadia. It was informed by her neighbours to SMS CHILDLINE that marriage ceremony of Meena going to be celebrated on 13th day of June 2013.

Immediately CHILDLINE team of Nadia informed SDO, Ranaghat and Police station of Taherpur for support. SDO sent BDO of Ranaghat Block –I to handle the case jointly with SMS team.

At about 08.00 pm BDO , Ranaghat –I, O.C , Taherpur and Nadia CHILDLINE Team  rushed to Dighirpar, Meena’s house where the marriage ceremony was going on. Mother of Meena wanted to convince the team that  her daughter attained the age of 18ysr, but  the team after tremedous effort collected the age proof of Meena from her one of the relatives and able to prove that she was then only 13yrs.



A call received from a woman of a village under  Hanskhali Police Station about  her daughter Kanika[ name changed] She suspected to be trafficked to Trivantapuram, Kerala from Nadia by a local boy. On the basis of her report all detail documents and photograph was sent to CIF Kolkata.

Then CIF Kolkata had sent these documents and photographs to CHILDLINE Trivantapuram, Kerala. After a long effort , Manika ultimately was rescued by the CHILDLINE Trivantapuram with the help of local police authority ( Marthandom). CWC Trivantapuram handed over the child to police authority Hanskhali P.S.Nadia, W.B.

Hanskhali PS had sent their representative to Kerala and brought the child to her home and handed over to her parents.

Regular follow up by CHILDLINE SMS reported that Kanika is going well in her studies at home and in coming session she will be admitted to formal school.
Parents expressed their gratitude to CHILDLINE team.

Ultimately by joint efforts, Meena’s family compelled to stop this early marriage and understood the adverse effect of underage marriage. Meena and mother brought to Taherpur PS and lodged GDE and informed CWC.

Case is now solved- Meena is now studying and enjoying her childhood.

A physically challanged girl is now friend of CHILDLINE




The National Rural Health Mission (NRHM), is a flagship programme of Government of India which includes several process which aim to improves mother and child health and increase institutional delivery.

SMS has been working as the District Training Center (DTC) of Nadia district since 2007. In addition to infrastructure and facilities for health, there are other social determinants. ASHAs are being trained to address these social determinants of health. ASHAs mobilize communities to realize health rights and access entitlements and provide community level care for a number of health priorities to save lives and improve health, the other elements focus on promoting action by village level organization and enhance people’s participation in several delivery.

This year 6th and 7th modules 1st, 2 nd 3rd round of training have been imparted towards 16 blocks in Nadia District which includes six thousand ASHAs. After completion of training, ASHA will attend each pregnant woman, each lactating mother and new born baby in her population group. Regularly they record the growth of baby, identify mothers’ problems if any and demonstrate how to take care of the baby. Previously they were only to work to raise awareness and linkage for institutional delivery. Now the training is imparted on handholding support for the lactating mothers.


The specific objectives of this programme are to :

* Ensure reduction of infant mortality rate and mothers’ mortality rate by improving full Ante Natal Care( ANC) and Post Natal Care( PNC) and by increasing institutional delivery

* Ensure safe motherhood for countless women from socially and economically challenged background living in the remotest villages

 * Ensure that the facilities and the services available under NRHM programme actually reach to targeted population.


In order to achieve the objectives of this programme the following methodology has been followed:

•    The participants of the ‘ASHA’ programme form the bridge between the NRHM facilities and services and the 1000+1200 members of local community that each of them are held responsible for.

•     ASHA works in collaboration with the Angan Wadi Worker( AWW), especially when it comes to specific health services intended for the mothers and children other than those service for the other villagers. They held responsible and help VHSC  in promotion of health awareness and eradication of National Health Agenda like Pulse Polio, Kala-Ajar, Maleria, Filaria, TB

•    The training review of work area, evaluation of work and associated reporting of the ASHA is the responsibility of DTC (SMS),

•    On completion of induction training, the ‘ASHA’ visit all the families in their designated areas and collect information on pregnant women and newly born infants and there lactating mothers. In addition they also ensure that pregnant women are taken to hospitals for institutional delivery they raise awareness of the benefits and methods of family planning and they ensure proper care of the mother and child.

•    SMS undertakes the responsibility of evaluation of ASHA through examination and now DTC has started handholding support to ‘ASHA’ and monitoring of District Trainers. State also provides handholding support and monitoring visit to DTC for training session of trainers and others. SMS and state both evaluate the quality of the training. Focus area of this training were related to their daily role and responsibility which they supposed to implement in the field. The training schedule is like roles and activities of ASHA, steps and techniques of counseling and home visit, pregnancy diagnoses and determination of LMP and EDD, components of antenatal care and identification of emergency during pregnancy, birth preparedness, post partum care, home based new born care, temperature, maintenance of new born, exclusive breast feeding, immunization of a new born and so on.

Training of ASHA participant


From the entire programme the above outcomes have been observed where Capacity Building of ASHA is a major component.



Women constitute a major segment of the rural society but are often not able to reap adequate benefits of progress due to lack of empowerment. It is being increasingly realized that the goal of poverty eradication cannot be achieved without the full and active participation of the woman in the process of development. With this objective in view, a number of measures have been taken in past, one of them is formation of women self help groups in rural areas.


a)    To provide access to sustainable banking services to the poor households in rural hinterlands by formation and nurturing of women SHGs.
b)    To converge other development programmes aimed at poor women / households through these groups.
c)    To promote and support livelihood development programmes for the poor through SHGs.
d)    To socio-economically empower the poor women through these initiatives.

WSHG Programme was launched by GOI, through NABARD in 150 backward districts of India and it has started in 2012 , in seven districts [Birbhum, Murshidabad, Malda, Bankura, West Medinipur, Jalpaiguri, Purulia]  of West Bengal. SMS got the opportunity to implement this programme in the district of Malda as an anchor NGO and a quantum of thrust was given to this area by SMS. Work is being implemented in collaboration with local CBOs.

In Malda, 1600 women self help groups have been sanctioned by NABARD to promote in 15 blocks. 1600 groups are savings linked with different bank branches like SBI,UBI,  BGVB, Allahabad Bank, CBI etc.

Emphasis was given on Capacity Building of facilitators and SHG members. Record keeping is an important task for SHG formation, hence SMS Core Team member always keep touch with these SHGs.

Out of 1600 WSHGs will get Cash Credit Limit from the respective bank branches.  
There are several SC, ST and Minority SHGs who are receiving loan from banks for their livelihood activities.

SMS organized Livelihood Training on Livestock Management with support of NABARD for the members of WSHGs.

Livelihood Training


Will Harris is the founder of Will Power Company came forward to support the tribal students particularly the girl children. His main objective was to stop child marriage which is practiced in the tribal people. More than 100 students from class V to degree course are supplied books and other help to continue their education. They are very much happy as they can fulfill their aspiration to get opportunity to continue their education.

Books are being provided to the tribal student          Will Harris at Sreema Mahila Samity



Over half of India’s population lack access to basic sanitation. Women face physical & sexual violence due to lack of toilets. Women become the biggest victims of India’s sanitation crisis. This crisis is also a key reason for India’s severe child malnutrition burden. The absence of sanitation exposes children to infectious diseases such as typhoid and diarrhea which role them their ability to absorb nutrient.
West Bengal Rural Health Mission was started in 1990 and it was introduced in Nadia in the year 1996-1997.In the year 2013 this mission was renamed as Nirmal Bharat Abhijan by Govt. of India. In this year the mission of Nirmal Bharat Abhijan is Sabar Souchagar. This Sabar Souchagar Prokalpa was launched on 2nd October 2013 within 31st March 2013. 1 lakh latrines were made through this prokalpa in Nadia district. The aim of this is to increase to heath awareness among the people, to stop open defecation  make the environment  pollution free. To make the environment pollution free, each and every family must have to use latrine which is made in a scientific and hygienic way. 
Launching program of Sabar Souchagar
Sabhadhipati of Nadia Zila Parishad Sri. Bani Roy declared to construct one lakh toilets in Nadia within 31st March 2014. He requested Sreema Mahila Samity to organize a programme of launching the activity to fulfill the target of making one lakh toilets. 2nd October 2013 in the birth day of Mahatmagandhi SMS with the help of PRI members organized the programme successfully. About three thousand people deposited Rs.900/- each, as contribution of beneficiary out of total Rs.10,000/- for construction of toilets on that day.
SMS also accepted the proposal of Sanitary Mart project in 3 GPs under Ranaghat-II block for construction of 6 thousand toilets. According to the rules of zilla parisad, Sreema Mahila Samity is making hygienic latrine for the villagers. Thus sanitary latrines are being made for those who have no latrine and by using that the life style of the villagers are being improved.


* To bring on the rural households under the preview of total sanitation through new change

* To increase health consciousness among the people and save them from different kinds of high
    level of infections, water borne, air borne and vector - borne deceases.

* To eradicate the practice of open defecation. 
* To bring about and improvement in the general quality of life in rural areas. 

* The poor families of the rural    areas are getting opportunity of employment through this
    programme and the unskilled worker turned into skilled worker through proper training.
At first the selected masons of sanitary marts have been trained according to zilla parisad guide line. After that names are enlisted according to the survey.     
This survey list is given to our sanitary mart and Rs. 900 per household is collected from the job card holders whose name is enlisted to the survey list .Then sanitary latrine of worth 10000/ is constructed for each enlisted household. This latrine consists of two wells and each of the wells is made of four rings. Thus latrines which are made of proper quantity of materials and are of proper size are constructed for each of the household.

Four campaign programmes on sanitation were held by Sreema Mahila Samity. First programme was held from 12-13 January in 2014 at Duttapulia youth festivals  .The second campaign programme was held on 26th January  in 2014 at Aranghata cultural programme. The third one was organised on 15th January in a fair at Huda gram Duttapulia and the last one was held 25th-26th February in 2014 Ranaghat – II BDO office.
The main goal of the campaign by our organisation is to make people aware of the benefit of sanitary latrine and also make people of all classes of our society aware of the usefulness of the sanitary latrine and collect money for the construction of sanitary latrine from the people who have no latrine still now.

* Recently an engagement of a girl was broke up due to the unavailability of sanitary latrine at Kushuberia in Duttapulia GP. But afterwards the marriage was accomplished because we constructed the sanitary latrine in proper time

* The people of our area from whose rupees 900/ yet not being collected for sanitary latrine, they are asking regularly to us when the money will be collected from them.

* The people have understood the bad impact of the practice of open defection to the environment.
The Nirmal Bharat Abhiyan [NBA] programme, launched in 2012 by Government of India gives a considerable emphasis on intensive communication component to achieve sustainable sanitation. It has been designed to create demand and aspiration among the people for improved sanitation facilities. The National Sanitation & Hygiene Advocacy & Communication Strategy [SHACS] framework for 2012 – 2017 emerged out of this prime need to focus on sustainable behavioral change and adoption of key hygiene practices at the household, institutional and community level. 
Sanitation is not a new concept, in the “ Arthashastra, it was pronounced by Kautilya regarding details on maintaining hygiene and cleanliness in the chapteter on Administration during 4th Century BC. This message has been carried forward from century to century. But still we are in the vicious circle of sanitation, hygiene and health.
In West Bengal, eradication of open defecation, good practice of hygiene is a major challenge for government because these are closely related to well being of people.
According to the Census of 2011, nearly 7.8 million people of West Bengal continue defecating in the open and very few mothers disposes child excreta safely contributes to diarrhea and respiratory infections, the major causes of child deaths. Hence it is a time to make the people aware about all these evils.
As a part of National Sanitation and Hygiene Advocacy and Communication Strategy, State Government and UNICEF jointly has taken an initiative to observe a Week long Campaign on safe use of water, sanitation and hygiene in a intensive manner by utilizing CBOs, NGOs, RPs, Sachhta doot, SHG members to reach out remote areas.
Sreema Mahila Samity extended hands to get involved in this Mass Campaigning programme during this week [ 22 – 28th February,2014 ].
Basic objective of this campaign was to reach out to every individual household with messages on safe drinking water and safe sanitation practices.
  Initiation of Participatory approach and Behavioral Change Communication

Five districts of West Bengal namely Maldah, Murshidaba, Birbhum, North 24-Parganas and Nadia were selected by Sreema Mahila Samity for this intensive Campaign Programme, 

All these districts were socio-economically backward and dominated by Scheduled Caste, Scheduled Tribes and Minority communities.



Various IEC materials which were provided by UNICEF and some attractive messages prepared by SMS were given to the mobilizes for use during campaigning.
Emphasis was given on Inter Personal Communication through House to House Visit and a survey was also conducted to check the availability and use of toilet. Group Meeting, Focus group discussions with SHG members as well as with non SHG groups. Information passed on through SHG members in aIl the areas.
Adolescent Girls took part actively in Birbhum District in this campaigning programme through IPC. 
Tablaeu, Rally with school students, SHG members and general public were the medium of information dissemination in all districts except Birbhum. Focus Group discussions with Panchayet members, ASHA, Health workers, school teachers were carried out in most of the area.
Nukkad Natok in Nadia attracted people and it was able to prove as a strong tool for pass on messages easily.
The above activities were done at different levels of society by the community mobilisers in different districts of West Bengal by Sreema Mahila Samity.



Various types of feedback received during this campaign. From all corners of all districts a clear message received that no body against having sanitation facilities in their own house.
Sreema Mahila Samity has taken this campaigning as continuous motivation component of all events and program.
International Womens Day on 8th March, 2014 was celebrated by Sreema Mahila Samity in different places with the messages of sanitation, hygiene, safe use of water because women are worse sufferer of this age old practices and dignity of women is related to this. 


 8th March
8th March observation of women’s day is an important program to SMS. In different districts at different points it was observed. Women from the villages organized rallies giving slogan to stop violence against women and raised voices about their rights. They performed drama and other cultural programs which was the way of propagation of their message. Women enjoyed the day very much.

Like every year on 23rd January Annual Sports of the staff was arranged. The winners were given prizes. This day became joyful to everyone. 
Earth Hour
Last Saturday of the month of March earth hour is observed all over the world. One hour in the evening from 8.30 p.m. to 9.30 p.m. all electrical as well as electronic appliances keep switch off to reduce global warming and protect environment. SMS like previous years mobilized people to observe the hour.
World Toilet Day
Sanitation crisis is prevailing all over the world. 2.5 million people do not have access to a clean and safe toilet. This crisis is the cause of several diseases.  With the aim to draw global attention to the sanitation crisis 19 November is observed as World Toilet Day (WTD). 
Sreema Mahila Samity celebrated WTD in five districts -- Nadia, North24Parganas, Murshidabad, Malda and Birbhum. Main objective was to aware people about the importance of clean and safe toilet. Group meetings with SHG members, PRI, school students were organized.  The villagers including the women and children joined the rallies. Street drama was performed by youth group.  In different programs for observing WTD people joined spontaneously.


Rally of World Toilet Day



Through the Financial Service Division of SMS Microfinance programme is provided to the poor women for improving livelihood of poor mass of the society and thereby empowering marginalized women. This programme is being implemented by SMS in Nadia, North 24-parganas and in Murshidabad district of West Bengal.  About 60000 women have benefited by this programme for enhancing their livelihood status. Microfinance programme of SMS has customized financial products and services.


Creation of sustainable livelihood for enhancing income of underprivileged women for eradication of poverty


Empowering women especially of SC/ST/ Minority   communities who are  un-served or under served by assisting them financially for income generation and self reliance.


 Major objectives of this programme are to :

* Promote SHGs especially women from socio-economically backward communities.
* Promote economic independence, encourage literacy and develop leadership skill
* Assist the SHG members in business plans, implementing business and increasing capacity to    
   sustain their business.
* Enable them understand the importance of savings
* Help to create assets and have ownership of assets.

Photo Studio run by an SHG Member


Funds leveraged from Partner organization, nationalized banks, NABARD for financing SHG members.

* In order to develop knowledge & skill for sustainable livelihood options orientation and training
   programs are organized for programme staff and for SHG members.
* Develop a flexible system with a lesser rate of interest
* Twenty two branches are developed in interior areas for programme implementation

Some criterias are formulated for proper implementation of micro finance performance :

1.    Age  between 18 – 56 yrs
2.    KYC (Pan Card ,Voter Card, Residence proof)
3.    A Common liability group with 10 to 20 members
4.    Residence within 07 Km. distance from Branch office
5.    Annual Family income Rs.60000/- for rural & Rs.1,20,000 for urban area

 All branches use special software for all its transactions.


No. of active groups 4622
No. of  members 54179
No. of  active borrower 50158
No. of branch offices  25
No. of district covered   4
No. of loan disbursed in current year 54601
Amount of loan disbursed in current year 6867.33 lakh
Amount of loan outstanding
3970.06 lakh
Recovery % 99.98%

Charitable activities of financial division

The financial division of Sreema Mahila Samity also implements different charitable activities. It runs family counseling center where the victimized women get various support.

In Murshidabad houses of 147 poor families were gutted severely with fire. SMS provided help to those poor families from its micro finance fund. They lost everything in this disaster. They were supplied utensils, cooked food, clothes and fund for reconstruction of their houses.

              House damaged by fire                    Distribution of utensils to the affected families


 A vast sections of rural mass are still unaware or can not avail the benefit of insurance due to lack of service in door step or not able to afford the premium. From middle of 2008, SMS in collaboration with LICI, initiated an effort to start group insurance & later other schemes which directly benefit especially women folk by insuring their lives. LICI is the only government company and SMS is now an authorized agent LICI and United India Insurance. Jeevan Mangal and Jeevan Madhur are the two policies which are much popular among the rural poor people because of its easy process and small size of premium. Upto 2013 – 2014 financial year, total 78327 policies including LICI group insurance, Jeevan Madhur and Jevan Mangal and Non life insurance of UII Ltd. are sold through different branch offices.


The staffs of the branch offices go to interior villages, explain in detail about these policies, motivate them and enable them to understand the entire process. The willing and interested persons approach the staff, they are given application form, the filled up form they submit to the Head office of SMS and they also deposit their premium to them. Ultimately Application forms and premium are deposited to LIC branch. Group insurance is linked with microfinance. The insurer also got the benefit from health insurance policy.

SMS got first and second prize in EZ of LICI (MI) for its commendable performance.   

In this way, it is expected that in the long run this initiative of SMS would definitely develop a culture of insurance that would help rural people, especially the women, coping adverse situation of life


              Regional Manager of LICI                                   Chief Manager of LICI


Community Managed Disaster Risk Reduction (CMDRR)

Disaster preparedness is an important issue now worldwide. Sreema Mahila Samity has been implementing this program since last 2000 after a devastated flood in West Bengal. Like previous years this year also SMS has continued it.  Emphasis is given on training and awareness regarding disaster risk reduction.

The objectives of the programme:

To increase community capacity to cope with natural disasters through strengthening family and community levels preparedness.
To increase community access to government schemes and resources for disaster mitigation 
To capacitate vulnerable families to be prepared in terms of shelter modification/food reserve/document protection/tube well purification.
To incorporate DRR work to the government schemes
Strengthen village sansad to have disaster resilient water and sanitation facility
To aware farmers about alternative agriculture



Orientation at family level preparedness that includes Family Survival Kit (FSK), Community Survival Kit (CSK), animal fodder, elevated toilet, special needs of pregnant women, children and PWD etc.

ORS demonstration, water purification and tube-well disinfection

Developing awareness on shelter modification, road construction using NREGS work

Conducting rally, using mela and festivals for propagating awareness

Skill development for developing and implementation of DRR plan at sansad level

Linkage workshops with block officials to ensure collaboration and coordination (disaster protocols and relief code)

Reformation, training and mock drill for strengthening the key task force groups, leadership development and facilitating effective collaboration with PRI for disaster management

Ensuring safe drinking water through raising hand pump, maintenance water sources, rain water harvesting

Ensuring animal health and vaccination, importance of cattle insurance and management

Village level awareness and promoting practice for extensive plantation and techniques on improved methods of food and seed preservation

Awareness on gram sansad, gram sabha and POW follow up

Promoting practice of cultivating flood and saline resistant paddy and vegetables varieties

vulnerable families who have reconstructed  roof

 vulnerable families have better coping mechanism in terms of food reserve

 families ensure better coping mechanism in terms of safety of cattle (availability of fodder, identified raised land for animals)

 farmers in most vulnerable areas practice appropriate methods of agriculture (growing early varieties)

 farmers increase income from crops/allied practices in most vulnerable areas practicing  appropriate methods of agriculture (growing early varieties)

villages accessed safe water during disaster

 families access safe sanitation particularly during disaster

 issues identified in the micro plans have been implemented through community, PRI, government schemes/services

 task force members taking proactive role in disaster preparedness planning and response at community level

 task force members taking proactive role in disaster preparedness planning and response at community level in terms of raising issues with GP to influence for taking measures to ensure DRR

 community tube-wells are maintained by the communities

 community tube-wells are disinfected