SHRAMIK SAHAJOG
Adhikar” has taken the initiative to address the issues of migrant workers of Orissa working in the far flung areas of Gujarat & Maharashtra. A unique programme,”Shramik Sahajog”(SS)- a remittance system that ensures the hard earned money from these workers reaches their dependants in rural pockets of Orissa. The time “Adhikar” takes to deliver the money to the dependants and the service charges they receive from these workers-leaving aside the reliability and dependence which these workers bestow upon “Adhikar” – has now become a model Micro-finance programme for a good no of organizations – both in India and abroad.
Lack of employment opportunity forced the millions of Oriya people to work in the industrial hubs of the country as a cheap labour. Most of cases the small saving from the hard earned many of the migrant worker is the major source of the livelihood for the dependants in native place. Most of them leave their family members back at the native places and send their hard earned savings to them, on an on going basis, for maintenance purpose. Their anxieties therefore, are to ensure, quick, cost effective and safe remittance and timely delivery of cash to their dependants in villages. The available institutional infrastructure like, post offices and banks were found inadequate to stand up to their above expectations. A number of private money remitters, who usually work as alternatives in few cities were found deficient in several respects. Realizing the requirements Adhikar started the remittance work from Gandhidham of Gujrat & subsequently created a wing of its organizational frame for the purpose, named as Shramik Shahajog.
Outreaching units are gradually opening in various cities depending upon concentration of Oriya migrant workers. The Remittance Collection Officer (RCO) of Shramik Sahjog Programme, travel to collect the remittance money from the remitters seeing the availability of the remitter (mostly in evening hour). In morning all the collection amount deposited with the Accounts Officer (AO) after due verification by the Operational Manager (OM). The entire money collected in last day transfer to the home state through core banking system. The funds are delivered to the beneficiaries by the Remittance disbursement Officer (RDO) within 48hours of receiving of the remittance money. Since commencement of this programme in the year 2002, the volume of remittance money is increasing with the adding number of the cities as well as members enrolled. This innovative venture is finding favour with many organizations that evince interest to emulate this.
Objectives:
- To provide safe, time bound and cost effective service for transferring money from the migrant workers to their families and dependants in Orissa.
- To counsel workers against exploitation, harassment, industrial accidents and even occupational health hazards.
- To organise the migrant workers to fight for their basic rights, legally advocate and counsel the workers to attain their rights in industrial and other units.
- To provide assistance for the socio-economic development of dependants in Orissa as well as to the workers
SHRAMIK SAHAJOG
ORGANOGRAM (view)
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Designation |
Office Gujarat / Mumbai |
Office Orissa
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CEO (Chief Executive Officer) |
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Head Office |
Operation Manager |
Regional Office |
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Accounts Manager |
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Head Office |
AO (Accounts Officer) |
Regional Office |
Head Office |
IEO (Information Exchange Officer) |
Regional Office |
Head Office |
Branch Manager |
Branch Office |
Branch Office |
RDO (Remittance Disbursement Officer) |
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Branch Office |
RCO (Remittance Collection Officer) |
Branch Office |
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Membership: Any migrant worker belongs to the operational area of SS in Orissa region can apply for the membership. For the membership one has to apply with the prescribed application having a declaration about the self, which should be properly filled & signed. After proper verification by the project staffs the application may accepted or rejected. The selected members are allotted a specific code number from the shramik Sahayog project.
There are two types of membership, one is only for Money Transfer ( MT) and another is MT & other services i.e. savings & insurance service. For the primary membership of multiple services the member has to pay Rs. 30/- as entry fees & which is free for the members those are interested only for the MT.
Criteria for membership
- S/he must be an inhabitant within the operational area of Shramik Sahajog in Orissa region
- S/he should reside at least 6 months in destination point & which should be within operational area of SS
- Should not have any criminal background
Products & Services:
1. Money remittance: Any member can send money to his families/relatives at Orissa belong to the operational area of SS. The remitter has to pay the Service Charges for availing the services. A member can remit min.Rs.500/- and max. Rs.-25,000/- per month.
2. Savings: Adhikar has extended the saving support to the members of SS in collaboration with the ICICI Bank. Within this facility the member can save & withdraw the amount as Savings Bank Account.
3. Insurance: Members who are interested are insured under JPA (Janata Personal Accident) policy under Life Insurance, Company of India which is covering the sum assurance of Rs. One lakh in case of accidental death Rs. Fifty thousand for permanent disability with the annual premium of Rs.60/- & Rs.10/- as Service Charges.
Region Wise Services
Gujarat/Mumbai |
Orissa |
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- Money Remittance
- Savings
- Insurance
- Savings withdrawal
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Service Charges for Money Remittance:
| Gandhidham |
Service charges |
Surat / Vapi / Mora |
Service charges |
Mumbai |
Service charges |
Upto Rs.500 |
30(fixed) |
Up to 1000 |
30 (fixed)+10 |
Upto 500 |
30 (fixed) |
501-1000 |
40(fixed) |
1001-10000 |
3% + 10 |
501-1000 |
40 (fixed) |
1001-5000 |
3%+10 |
10000-12000 |
300(fixed)+10 |
1001-5000 |
4% |
5001-6000 |
160 |
12000-25000 |
2.5% + 10 |
5001-10000 |
4% + 3 % |
6001-10000 |
2.5%+10 |
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10001-onwards |
4%+3%+2% |
10001-12500 |
260 |
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12500-onwards |
2% + 20 |
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Note: +10/- & +20/- is for door service charges. In the case of Mumbai the service charges above Rs.5000/- is Rs.200/- + 3% of above amount and service charges above Rs.10, 000/- is Rs.350/- + 2% of above amount.
Operation guideline of Remittance project:
SS-Gujarat / Mumbai:
1.After survey and satisfaction of Shramik Sahajog staff a code no. is provided to the member. The remittance/savings/insurance money will be collected only by the staffs of SS (BM/RCO) in the field or in the office.
2. The member will be provided money receipt for all deposits.
3. There is specific day & time in weekly basis for separate area for the RCO will move and accordingly s/he move to collect the remittance money at the doorstep of the members.
4. The RCO will deposit the collected amount with the BM. The scroll / individual ledger for the remiter will be maintained by the RCO and similarly the daily cash book with ledger will be maintained by branch manager in the same day.
5.Total cash will be deposited at the bank by the BM in next day by 11 am. In the case of SS-Surat the cash l is collected by the Accounts officer from the sub-branches / agents and deposited at the bank in the same day by 11 am.
6. Hence no money will be kept as cash in hand with BM / Manager (except on holidays / non-banking days).
7. A collection statement bearing details of Remittance, Savings, Withdrawal, etc., with Receipt & Payment will be sent by the BM to Head Office and Regional Office of SS daily latest by 11 pm through e-mail.
SS-Orissa:
- The e-mail of collection statements will be received by the IEO, Orissa Office & a hard copy will be handover to the Accounts Manager and Branch Manager by 9 am. The IEO and Accounts Officer will segregate the statement and remittance amount branch wise.
- After clearance from the Accounts Manager with necessary paper works the Accounts Officer will rush to the bank and collect for withdrawal of the requisite amount by 11 O’clock.
- The Accounts Officer will move to the branch office with the separate statement and cash by a four wheeler (for security).
- The Branch Manager in branch office submits the previous RDS (Remittance Disbursement Statement) with original money receipts signed by the payee to the Accounts Officer.
- After due verification of the cashbook of RDO, the Accounts Officer will handover the cash with current statement to the Branch Manager.
- The cash with statement will be reached branch offices to all RDO through Branch Manager latest by 1 pm on the same day.
- The RDO will start the disbursement from the same day and complete maximum by the morning of next statement day. If the payee is not available then the cash will be deposited to the Branch Manager and again the RDO has to requisite for further disbursement with the current statement.
Backmail Process:
- From the field the RDO is submitting the money receipt to the Branch Mananger. Compiling all the money receipt the Branch Manager hand over the receipts to the Accounts Officer.
2 After verification the IEO will send the disbursement details to the branch offices at Gujarat/Mumbai and copy to Regional Office, which is called as Backmail.
3. The backmail with the date, money receipt no. & witness name, against each remittance of a statement must be filled up by the IEO.
4. The Manager, Gujarat / Mumbai will send his comments after verification of all the transaction of last week. The transaction of the last week distribution will be completed & considered as proper after getting the remarks from the IEO.
5. In case of complain which is received by IEO, Orissa he/she should short out it within 24 hours of receiving of complain and send the conformation as quick as possible to his counterpart at Gujarat / Mumbai and vice versa. |
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| Shramik Sahajog-Orissa |
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Status Report SS-Orissa
As on Jan 2009 |
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No. of Dist. Covered |
4 |
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No. of Blocks Covered |
22 |
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No. of Village Covered |
786 |
4 |
No. of Area Office |
6 |
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No. of Staffs |
13 |
6 |
Current Monthly Remittance Amount |
80 Lakhs |
7 |
Current Monthly Remitters |
2281 |
MIS:
MIS system is manual system, which is maintained in branch and Head office level. The detail procedure is narrated with operational guideline.
Statutory and Internal Audit:
Internal audit is done in quarterly basis by the internal auditor & the final audit is done by the Chartered Accountant by the end of financial accounting year.
Scope of internal audit:
Quarterly Internal audit being done by the registered CA, to verify the following things:
- To maintain the transparency in accounting system.
- Verification of transaction of remittance money.
- Improvisation of system & procedure.
Fraud Control Mechanism:-
- Money receipt for cash receives.
- Return receipt from the recipient.
- Interstate transfer of money through the bank transaction.
- Day to day monitoring by the CEO.
- Quarterly Internal Audit
- Annual Statutory Audit
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YEARLY GROWTH OF SS
Year |
Gandhidham |
Surat |
Vapi |
Mumbai |
Total |
2002-03 |
105 |
x |
x |
x |
105 |
2003-04 |
262 |
x |
x |
x |
262 |
2004-05 |
248 |
75 |
x |
x |
323 |
2005-06 |
283 |
838 |
x |
x |
1121 |
2006-07 |
266 |
2609 |
63 |
53 |
2991 |
2007-08 |
220 |
1168 |
307 |
458 |
2153 |
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REMITTANCE
Year |
Gandhidham |
Surat |
Vapi |
Mumbai |
Total |
2002-03 |
227250 |
x |
x |
x |
227250 |
2003-04 |
2471225 |
x |
x |
x |
2471225 |
2004-05 |
7125200 |
166150 |
x |
x |
7291350 |
2005-06 |
14585715 |
7573340 |
x |
x |
22159055 |
2006-07 |
25531310 |
28753250 |
280200 |
187000 |
54751760 |
2007-08 |
34376551 |
34567755 |
4381900 |
4361700 |
77687906 |
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BRANCHWISE GROWTH GANDHIDHAM |
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MEMBERSHIP |
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Address of different regional offices
Bhubaneswar:-
Plot no- 113/2524, Khandagiri Vihar,
Khandagiri, Bhubaneswar – 751030
Ph- 0674-2384731
Surat:-
H-24, Rajeswar Plaza, BRC,
Infront of Temple, Udhana,
Surat, Gujarat
Ph – 0261-3260346
Gandhidham:-
B-764, Sapna Nagar,
Kutchh, Gandhidham
Ph – 02836-235249
Vapi:-
18, Shree Ganesh Complex,
Talab Falia, In front of Hotel Royal Garden,
Nani Daman, Davel, Vapi
Ph- 09374554476
Mumbai:-
103 (B), Lambodar Apartment,
JayNagar, Walib, Vasai, - East, Mumbai
Ph- 09960537648 |
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Profile of the Money Remmitance Programme |
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