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Building Materials and Services Bank ( BMSB ) is a unique concept
that integrates rural livelihoods with delivery of rural housing and
other habitat related deliverables for overall habitat security. The
fundamentals of this concept lie in the fact that the BMSB is an
institution in which the primary stakeholders are the rural
unemployed. This concept seeks to integrate management and delivery
of safe and secure habitat solutions through the use of alternative
and appropriate building materials and technologies through a
decentralized process that ensures economic benefits both directly
and indirectly.
The proof of the concept is being demonstrated by the Building
Material and Services Bank at Chowduar in the Cuttack district of
Orissa. The BMSB was set up following the reconstruction project
initiated by CARE with technical assistance of Development
Alternatives for rehabilitating victims of the Super Cyclone of
1999. The area around the BMSB was once upon a time not very long
ago, thickly forested, rich in bamboo and other forest resources.
The forest resources found their utility in industries both within
and outside the state. Unscientific exploitation of resources have
however rendered the same area bereft of any tree cover and the
tribal families dependent on this resource, without any major source
of livelihood. Apart from casual work as daily wage earners ,most of
the people are unemployed subsisting on their meager earnings from
agriculture and small livestock. The BMSB has been located in this
area with the principal objective of including these communities to
better their individual well being as well as to provide and
inculcate the spirit of collective or group enterprise with a strong
element of advocacy to influence favorable policy interventions
towards the overall development of the area.
The BMSB, on the process of being registered as a section 25 company
,has as its major stakeholders tribal women from the villages
around. The BMSB is involved in producing a number of alternative
and appropriate building materials and also extends its services in
installation and construction of residential, institutional and
industrial buildings. The unique selling proposition of the products
and services are quality, cost effectiveness and resistance to
damage by floods and cyclones. About 50 people out of which about 37
are women are involved in the activities of the BMSB. Some of these
women have graduated to becoming operators of machines and other
equipment requiring high skills, this has been made possible by
intensive training provided by Development Alternatives. It is
proposed that by the end of the year about 100 people would be
provided with direct livelihood options while the number of people
benefiting indirectly would be about another 50.
A major achieve-ment of the BMSB is a sense of ownership amongst
the people leading to high productivity and minimum worker
related problems.
The sense of well being, because of enhanced livelihood options
is all too obvious as the workers have arranged themselves into
thrift groups, providing financial assistance to members.
Subsidiary activities like adult education, health education and
rights awareness are being conducted by these groups. The
community has realized that the BMSB has the potential to offer
a lasting livelihood option to a majority and that the social
objectives can go a long way in uplifting the condition of the
community as a whole. |
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Building
Material Service Bank at Chowduar, Orissa |
The BMSB seeks to further strengthen backward and forward linkages,
whereby communities in adjoining villages can get marketing support
from the BMSB. Capacity is also being strengthened whereby the BMSB
could tie up with financial organizations and offer credit for rural
housing.
It is expected that over the next couple of years the BMSB will have
positioned itself in the market with its strong objective of social
enterprise. It would be able to seek funds both locally and
nationally for all development related activities which the
communities would then manage and implement.The strength of the
concept is its transformation into a model for providing livelihood
options to rural communities, that can be, for replicated in
different parts of the country.