Publications and Reports
India requires Standalone Microinsurance (SAMI) Companies, which focus solely on the needs of medium and small businesses, to turn them into successful enterprises. SAMIs will also protect low-income individuals against risks like death, accidents, and illness.
The Committee on Standalone Microinsurance (SAMI) Companies, chaired by Mirai Chatterjee (Director, SEWA Social Security) studied key issues and provided recommendations in its report on SAMIs.
The committee which was convened in February 2020 by the Insurance Regulatory and Development Authority of India (IRDAI) included officials from IRDAI, Life Insurance Corporation of India (LIC), Quantum Mutual Fund, Office of Insurance Ombudsman in Bhubaneshwar, National Bank for Agriculture and Rural Development (NABARD), etc.
You can read the report here.
The UN High-Level Panel Secretariat was hosted within UN Women with support from the United DFID, Government of the United Kingdom Department for International Development (DFID). India was represented on the panel by Ms. Renana Jhabvala, President, Self Employed Women’s Association (SEWA), and Chair, Women in Informal Employment: Globalizing and Organizing (WIEGO). UN Women and SEWA were both part of the High-Level Panel and had joined hands to give life to the recommendations of the panel, identifying the seven drivers for women’s economic empowerment (WEE).
This report ‘Roadmap for Women’s Economic Empowerment with a Focus on Women in Informal Economy and Agriculture’ operationalizes the HLP’s Call to Action through evidence-based recommendations from the ground. It focuses on women in agriculture and the informal sector, identifying key concern areas in labour force participation, employment opportunities, unpaid work, the feminization of agriculture, access to resources, and gaps in organizing women workers.
You can read the report here.
In this study ‘Understanding the Impact of Digital Assets on Women in the Informal Service Sector,’ Sattva, in partnership with UN Women and SEWA Bharat, studies how digital assets enable women to reach wider markets, directly attain work opportunities, access information/communication avenues, and skilling resources.
Recent studies suggest that the digital revolution will address the unorganized sector’s inefficiencies, formalize work engagements, and increase employment/ income-generation opportunities available to women. This report analyses how digital mediums can enable women’s mobility in the service sector and throw light on various barriers and enablers impacting the adoption of digital assets by women.
You can read the report here.
Mahila Housing SEWA Trust (MHT) completes 25 years in 2020. To commemorate the occasion, Renanaben Jhabvala and Bijal Brahmbhatt write about the incredible journeys of poor women who have changed the cities they inhabit. The book tells stories of courageous women who live in informal settlements who acted to bring about change at the personal, community and, city levels, and the Mahila Housing Trust that supports and empowers them. It is now available for purchase online and in bookstores.
Anusuya captures in Hindi, anecdotes, opinions, and stories of struggles, resilience and achievements of SEWA women across 10 states. This edition of Anusuya covers SEWA communities’ response to the COVID-19 pandemic. Women of different trades in the informal sector face health, economic, and social consequences due to the pandemic’s effects on India’s economy, health systems, and infrastructure.
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In 2018, DFID India conceptualized an initiative to improve the participation of women in the solar sector workforce. They designed a project with SEWA Bharat and other partners to skill unemployed youth(a majority being women) in NP Kunta, Anantapur district, one of the backward regions in Andhra Pradesh.
The June 2020 edition of Anusuya covers SEWA communities’ response to the COVID-19 pandemic. Women in the informal sector face health, economic, and social consequences due to the pandemic’s effects on India’s economy, health systems, and infrastructure.
India’s financial services sector has been among the fastest growing sectors in the economy, a trend that is likely to persist given the diverse opportunities that continue to emerge as the sector expands. There clearly exists potential employment for first-generation educated women from the informal sector who aspire to be gainfully employed in financial services. However, women’s share in employment in Scheduled Commercial Banks remains at a dismal 22 percent and 12 percent in microfinance institutions. This paper aims to identify the opportunities available for women in India’s financial sector, and the obstacles they face in accessing them, both from the demand and supply side. The study has been undertaken by the Self-Employed Women’s Association (SEWA_, which has, for years been working to improve women’s access to financial services in India, particularly for women who work in the informal sector and are in need of finance. It draws on multiple, small area studies that SEWA has conducted in different parts of India on barriers women face to accessing funds, as well as qualitative interviews commissioned as part of the World Bank’s Skill India Mission Operation (SIMO). Finally, the paper presents recommendations aimed at improving occupational choices and
employment for women in financial services in India.
Basic Income: A Transformative Policy for India by Sarath Davala, Renana Jhabvala, Soumya Kapoor Mehta and Guy Standing
The book draws on two pilot schemes conducted in the Indian state of Madhya Pradesh, in which thousands of men, women and children were provided with an unconditional monthly cash payment. The book draws on a series of evaluation surveys conducted over the course of 18 months in which the main pilot was in operation, supplemented with detailed case studies of individuals and families.
It looks at the impact on health and nutrition, on schooling, on economic activity, on women’s agency and on the welfare of those with disabilities.
Above all, the book considers whether or not a basic income could be transformative, in not only improving individual and family welfare but in promoting economic growth and development, as well as having an emancipatory effect for people long mired in conditions of poverty and economic insecurity.
For a copy of this book, please email firstname.lastname@example.org
The Madhya Pradesh Unconditional Cash Transfers Project (MPUCT) is an innovative pilot testing the potential that such transfers hold for addressing vulnerabilities faced by low income Indians. It is the first time that unconditional cash transfers (UCTs) have been subject to such a detailed assessment in India. The results of the pilot should assist those trying to reach a balanced judgment on whether or not UCTs can be incorporated into Indian social protection and economic policy.
To allow the choices and voices of poor households to be heard in the debate on cash transfers, SEWA conducted a small pilot study with the support of Government of Delhi and UNDP.The essential design was to allow some households in the sample the choice of equivalent cash transfer into a bank account in place of rations. These households then could not draw rations during the period of the pilot. Those receiving the cash transfer and those who continued in the current system were then interviewed and surveyed so their consumption patterns, and their views on cash transfers and rations, could be compiled and analysed. A number of lessons were learnt from our pilot study, and these inform our assessment of cash transfers.
In 2016, the United Nations’ General Secretary set up a High Level Panel on Women’s Economic Empowerment (UNHLP), with the objective of making action-oriented recommendations on how to improve economic outcomes for women, promoting women’s leadership in driving economic growth, and galvanizing political will power. In order to adapt the insights from the panel to the Indian context, SEWA Bharat and the International Innovation Corps at the University of Chicago jointly hosted a roundtable discussion in April 2018, to consider emerging findings and deliberate on the questions that follow. The discussion brought together civil society, philanthropists, researchers, and international organizations, to discuss key questions pertinent to women’s economic empowerment. Insights and questions that emerged from the discussion are highlighted in this event report and video.
This monograph is based on the findings of the Gujarat Social Income and Insecurity Survey (GSIS) conducted in 2007-08 amongst a sample of 1,407 respondents in Ahmedabad city and Surendrangar district. The GSIS explored the components of social income – an expanded definition of income, in which a person’s socio-economic security is the composite of several sources of income and support that includes private investments, employer benefits, community transfers and state benefits. Since twenty percent of the households sampled was SEWA members, the GSIS also gave SEWA the opportunity to measure the impact of our efforts, to determine how joining SEWA makes a difference.
The survey revealed a picture of life for workers in Gujarat, best characterized as insecure, except for the minority in salaried employment. Average incomes of workers have remained low at Rs. 127 per day, with women earning only 40 percent of that earned by men. We found that nearly two out of every five people were not able to procure enough food for their household. Infrastructure is certainly improving in Gujarat, although housing and sanitation amongst the poor remains a serious gap. In this environment, it is not surprising that crisis is ubiquitous: almost 80% of households faced a financial shock in the past year. In crisis, workers primarily depend on the community, with little support from employers or private investments for casual or non-salaried workers. Entitlements from the State, despite a wide array of schemes, remain ‘clogged’ in bureaucratic distribution channels.
This report aims to provide an understanding of the challenges and opportunities for cooperatives and other SSE units in empowering women workers in the informal economy, with a specific focus on SEWA’s experience. It is based on individual interviews and focus group discussions with select cooperative leaders and members and also uses select studies presenting the forty-year experience of SEWA with cooperatives.
The global garment supply chain is a worldwide production line of informal workers across many industries. To produce a single t-shirt, men, women, and children provide labor in farms, villages, and cities across the world. “On Sale” is an in-depth look into the global supply chain and the social and economic effects it has on the workers, environment, and consumers. This resource also provides a look at what SEWA is doing and how you can take steps in creating more transparent and sustainable production across the world.
While the level of poverty plays a key role in determining the access to energy sources, usage of a particular kind of energy source can perpetuate poverty. According to the International Energy Association, over 400 million people in India (36% of the total population) live without reliable electricity While several studies have delved into impact of energy access on quality of life of women, very few have looked into productive use of energy in women’s lives, particularly into how it impacted their livelihood. The ‘Energy Access and Women’s livelihoods’ study was planned to explore the matter in greater detail. The goal of the study is to promote the inclusion of women in the energy access supply chain by adoption of a gender-centric approach, and to strengthen inclusion of gender in energy plans, programs and policies at the local, regional and national level.
Waste management is a critical issue in India especially in rapidly expanding towns and cities where existing infrastructure and systems for dealing with waste are non-existent or inadequate. Faced with rapid population growth, poor governance, a lack of public awareness and limited funds, cities are struggling to find a way to responsibly manage ever increasing amounts of waste.
This report is intended for policy makers and practitioners involved in waste management and urban governance. It aims to document the challenges in Katihar district of Bihar, provide an overview of the SEWA model that has been developed in response to these problems, to outline the strategies and process deployed and to give an honest account of the challenges faced. It ends with an overview of future plans and with wider policy recommendations for waste management solutions.
SEWA conducted this study that largely covers the current status of financial literacy and financial inclusion in two states namely, Bihar and Madhya Pradesh. The study was focused on three aspects of financial inclusion that could lead to financial deepening viz. existing structures and level of financial literacy bringing out the need and necessity for it; existing level of financial or banking inclusion including usage of banking and other regulated products at an optimal cost and; use and understanding of different financial products profile including SCRIPT (Savings, Credit, Remittances, Insurance, Pensions and Transfers).
In an effort to make the hard working informal women labor in Bihar visible as workers, as enterprises and as contributors to the state and the nation’s gross domestic product (GDP), SEWA Bharat in association with Government of Bihar conducted a study across the state.
The report was a cumulative approach to understand and recommend a decentralized approach to uplift and recognize the contribution and issues of women in informal labor.
Given widespread insecurities in water, latrine, and bathroom access a study was conducted to understand how these insecurities effect personal hygiene practices of poor women and girls in rural areas of Bihar. The study was carried out in 3 rural districts of Bihar (Bhagalpur, Munger, Katihar) to understand women’s daily and menstrual hygiene practices. 100 women and girls were surveyed and 6 focus group discussions (FGD) conducted. It focuses on hygiene practices of women not simply in their roles as mothers and caretakers of the sick and elderly but as individuals whose personal health, safety and dignity are also deeply impacted by WASH (water, sanitation, and hygiene) insecurities.