South India AIDS Action Programme

 
Community - Based Initiatives
 
 

Sangams    | Thrift & Credit Societies (TCs)

In addition to physiological conditions and sexual behaviour, the context in which a person lives contributes considerably to the spread of HIV. For example, if a person is unable to advocate on behalf of her/himself or if they lack financial stability, their susceptibility to the virus increases. SIAAP addresses these problems in an integrated, cost-effective manner through its community - based initiatives.

SIAAP believes that NGOs like itself should not dominate grassroots efforts; thus, communities use SIAAP as a resource to manage their own development and empowerment. SIAAP is committed to communities creating their own agendas and has developed models of empowerment to suit the unique requirements of each community.


 

Sangams address social and advocacy - related issues
 
TCs help communities develop and maintain financial livelihood

Sangams are Community Owned and Managed Organisations (COMOs) formed among local populations of women in sex work (WSW), men who have sex with men (MSM) and people living with HIV/AIDS (PLWHA) that help members avail of their civil liberties. Membership averages around 50 and rules and regulations are set and adhered to by the members.

Sangams help members to:

  • Obtain "ration cards," which formally register their identity with the government thus making available government schemes and subsidies
  • Register for voting
  • Avail of government schemes that enhance their livelihood
  • Enroll in schemes for life and health insurance
  • Network with local lawyers to ensure rights are upheld
  • Maintain outlets for condom distribution
  • Obtain medical referrals
  • Communicate in a safe atmosphere of camaraderie and trust
  • As of 2004, SIAAP has developed and supported over 25 sangams, helping to build networks of health, development, livelihood, and self-empowerment. Some accomplishments include:

  • Health camps facilitated for villages to introduce HIV/AIDS-related counselling
  • Police reports filed against violence committed against community members
  • Same-sex marriages conducted
  • Training workshops held for community members on topics including sexuality, communications, and legal issues
  • Funeral expenses arranged for AIDS-related deaths
  • Thrift and Credit (TC) Societies enable communities to design and manage mutual financial services helping them to become more self-reliant. For communities vulnerable to HIV, they provide an opportunity for marginalized groups to lead and influence their larger community.

    TCs are cooperatives in which members regularly deposit a fixed amount of savings with compounded interest (decided by the community members), which then becomes available to the members as loans with easy repayment schedules. A management team from the community is elected to record each member's savings, credit, and the amounts accumulated. Such loans are taken for children's education, marriages of their siblings/children, household repairs, and other necessities.

    As of December 2007:

    Total savings Rs 50.30 Lacs (approx. $1.25L USD)
    Total amount outstanding loans Rs 56.78 Lacs (approx. $1.42L USD)
    Total membership 2014
     

     

    South India AIDS Action Programme
     No. 8/11, Jeevanatham Street, Lakshmipuram, Thiruvanmiyur,

     Chennai - 600 041, Tamil Nadu, India
     Ph: +91-44-2452 2285 / 2452 3301 Fax : +91-44-2452 4215

     Email: admin.siaap@gmail.com/siaap@eth.net/ siaap@satyam.net.in

      All rights reserved @ Siaap India. 2004

      Website Redesigned by J.Vasanth, E.Nawin &  N.Jayaraman With the guidance of Mrs. Shanthi Nachiappan & Mrs. N.shanthi of VCMCS, CH-66