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FINDINGS


The study's main findings can be broken down into two main categories: situational data on the area, its population and the circumstances of respondents; and response data on the experiences, interpretations and recommendations of individual respondents.

The area and its population

Situational data

In terms of total land area, the sizes of the villages ranged from 300 to 3 600 kanals,[3] of which between 14 and 100 percent was cultivated and between 0 and 56 percent was uncultivable.

The sample villages were reported to have very diverse population sizes, ranging from a minimum of 280 to a maximum of 1 600 people. The overall male-female ratio in these communities was 108:100. Among the villages, the highest male-female ratio was 116:100 and the lowest 85:100, which occurred in Retra where most male heads of household were reported to have outmigrated. One or two members from each household had gone to countries in the Near East to look for better livelihood opportunities.

Overall, the proportion of landless households was only about 6 percent, compared with 94 percent farm households. In fact, only two villages had any landless households at all; Kulpana with 20 and Retra with three.

Size of farm can be used as a determinant of the level of productivity. The farm holdings in the sample villages were very small; more than 80 percent of farming households owned less than 15 kanals, and only 5 percent owned more than 25 kanals.

The pattern and numbers of livestock maintained by a household are influenced by a number of factors, including size of holding, cropping pattern, availability of fodder, prices of animals and livestock productivity. Only a small number of draft and milch animals can be kept when landholdings are small, fodder is scarce and the cost of quality animals is high. In most of the villages, the number of buffaloes per household ranged from 0.16 to 0.50, and the number of cows from 0.09 to 0.50. Sadhani was the exception, with 0.98 buffaloes and 1.2 cows per household unit; in other words, every household in Sadhani had milch animals. The figures for draft animals, at 0.1 to 0.5, and small ruminants such as goats and sheep, at 0.2 to 2.2, were also very low.

During data collection, women referred to their difficulties in maintaining good-quality animals. The low number of milch animals in the area led to a general scarcity of milk; which was sold for about Rs 20 per kilogram. This was much higher than it is in rural communities of the Punjab in Pakistan, where the price of milk at the village level ranged from Rs 10 to 12 per kilogram.

Female extension assistants

The project was the first time that women extension assistants were used in AJK. The Women's Extension Service has played an important role in involving women in AJK's development process and is now being used as a model in some areas of Pakistan. In NJVCDP, a separate wing of the Women's Extension Service was established with three Female Extension Officers, 32 FEAs and 21 beldars.[4] The main responsibilities of FEAs are: training; facilitation of inputs supply to farmers and farm women; dissemination of proven technologies; and establishment of linkages between the concerned line departments and women farmers. Demonstration plots of vegetables and fodder have been planted at farmers' fields in order to motivate the farming community to adopt innovative production technologies. Training courses in vegetable, fodder and fruit production have been organized at women's CDGs in order to build women's capacity and improve their technical expertise.

More than 93 percent of the FEAs were under 30 years old, the average age of the sample being 26.6 years. The majority of them were married, i.e. 53 percent compared with 40 percent unmarried, and 7 percent separated or divorced.

More than half of the FEAs had been trained five years before the study was carried out (in the 1994-1995 academic year) at the ESMA at Ghari Dupatta. The other 20 and 27 percent of them completed training in 1996-1997 and 1997-1998, respectively. More than two-thirds of the FEAs had completed between four and seven years of service.

Most FEAs came from non-agricultural families, with only 27 percent reporting agriculture as their family's main occupation. Most respondents, including those with agricultural land, were mainly engaged in non-agricultural activities, thus giving secondary importance to agriculture. One-third of the FEAs' families owned less than 15 kanals of farmland, and slightly less than half (i.e. 47 percent) owned more. The remaining 20 percent of families were landless. FEAs came from fairly large families; 66.6 percent had five to ten family members, and 26.7 percent ten to 15 or more family members. Only one FEA had fewer than five family members.

Female Extension Officer and CDG members observing newly planted apple plant at Sharda

Response data

Effectiveness of extension and the CDG model. Across the 32 union councils in the project area there were 416 villages and a total of 324 women's CDGs to be covered by the FEAs. The number of CDGs at each union council ranged from five to 23, with an average of ten. Long distances, difficult terrain and limited transport facilities adversely affected the mobility of FEAs, making it difficult for them to maintain regular contact with their clients (the CDGs).

Less than half of the FEAs felt that they were effectively covering and adequately working with the CDGs in their respective areas; the remaining 53 percent admitted to not covering CDGs as effectively as required. The main reason for this failure was the difficulty of arranging transport to CDG meetings. One respondent also reported the non-cooperative attitude and apathy of her women clients as a reason for failure.

Each field unit in the project area holds a monthly meeting with extension staff, including FEAs, to prepare the work plan and scheduling of activities to be undertaken at CDG meetings. These monthly meetings should be attended by group promoters and FEAs, although slightly less than half (46.7 percent) of the latter reported regular attendance. An equal number reported that they kept regular contact with CDGs during seasonal activities and when they were required to be present at special meetings. Again, breakdown of transport-sharing arrangements was given as one of the most important causes of failing to attend meetings. The FEAs emphasized that their absence was never willful.

In spite of the constraints and limitations they face, the FEAs were encouraging about the timeliness of their extension activities. Some 60 percent of them said that they always managed to implement extension activities through the CDG model in accordance with the calendar of agricultural activities. The remaining 40 percent said that, although they carried out activities according to the agricultural calendar, certain delays did occur, mostly resulting from occasional upsets in the scheduled delivery of messages or inputs. They added that such upsets occurred most frequently when the Department of Agriculture or other participating departments failed to provide the necessary inputs in time, and admitted that this invariably distorted the image of the programme and the field staff.

FEAs reported that they arranged the visits of experts and subject specialists according to the programme schedule and that such lectures and visits were always demand-oriented. Whenever the members of a CDG were confronted with an unusual problem regarding livestock, poultry or crops that was perceived as being beyond the competence of FEAs, the latter arranged for experts or specialists from the relevant line department(s) to visit. Under the CDG model, the frequency of such visits was always based on the initiative of CDG members. About 27 percent of the FEA respondents reported arranging frequent experts' visits, while the majority, i.e. 73.3 percent, said that visits had been few. The subject matters of the visits, lectures and demonstrations were reported to have focused mostly on plant protection, storage losses, borer attacks and animal care and management. In the traditional extension services model, too, it was mandatory to hold expert lectures or visits, but relatively few occurred under this model. None of the FEAs reported a total lack of visits or lectures in the project area.

One of the study's main objectives was to seek FEAs' opinions regarding the convenience and usefulness of the CDG model compared with the traditional model, under which extension assistants are in the field and expected to undertake substantial travel to make contact with both male and female farmers. The convenience of the CDG model in terms of client coverage, programme planning, feedback from clients and follow-up of activities was assessed as high by the vast majority of the FEAs; in terms of access to technical information and effective delivery of extension messages it was high for 53.3 and 33.3 percent of respondents, respectively; in terms of active participation of clients and productive utilization of time, convenience was high for 33.3 percent of FEAs; and in terms of organizing demonstrations and maintenance of records, it was high for only 26.7 percent of them.

The convenience of using audiovisual aids in the CDG model was also not entirely satisfactory, with about 40 percent of the FEAs reporting that it was low or medium. However, a majority of them, i.e. 60 percent, also said that use of such teaching aids was minimum, if not non-existent. The extent of personal safety and security of female field staff under the CDG model was perceived as high by only 14 percent, medium by 67 percent and low by 20 percent. Respondents explained that they often had to travel alone, either by public transport or on foot, to their field offices and to monthly CDG meetings.

However, in spite of these shortcomings, the overall performance of the CDG model was assessed as being better than that of the traditional model, as shown in Table 2.

Table 2. FEAs' perceptions of the traditional model

Score

CDG model

Traditional model

High (31-39)

5
(33.3)

1
(6.7)

Medium (21-30)

10
(66.7)

6
(40.0)

Low (13-20)

-

8
(53.0)

Total

15
(100.0)

15
(100.0)

Figures in brackets are percentages of the total.

Impact on the farming population. Agriculture and livestock constitute a significant proportion of the national economy of AJK. Women play a major role in national food security at the household level. Their contribution is constrained by limited access to factors of production: land, water, technologies and services such as extension, credit, marketing and leadership. NJVCDP has taken the initiative to improve the plight of rural women in all of these sectors. As FEAs are the main channel for two-way communication between implementing/donor agencies and project beneficiaries at the grassroots level, their opinions regarding the achievements of CDG members in terms of selected activities were sought.

The CDG model's provision and enhancement of basic skills in vegetable production among the target population was perceived as high by 80 percent of the FEAs, while promotion of income-generating activities was perceived as high by 66.7 percent.

Field day at vegetable demonstration plot at Sarai, Hattian Dopatta

Regarding higher crop yields, the FEAs mentioned that the adoption of improved seeds had led to production increases in such crops as wheat, maize and vegetables; some increase was perceived by about 67 percent of respondents, and high increases by about 27 percent. Wheat grain production also increased as farmers stopped using wheat as fodder and turned to oats instead. The introduction of oats helped to improve the area's fodder situation significantly. Improved poultry and livestock care and management and better disease control among animals were reported by 13.3 percent of the FEAs to have been achieved to a great extent, and by 53.3 percent to some extent. However, one-third of the FEAs said that extension activities had no impact on improving the situation with regard to poultry and livestock production.

Enhancement of vegetable producing skills through extension activities with rural women was mentioned as one of the most useful activities by all the 15 FEAs interviewed. Furthermore, the majority (i.e. 80 percent) ranked this as the most important activity of all. Not only had the families been made self-sufficient in vegetables for home consumption, but some of them were also earning a reasonable income through the sale of surplus production, although villages' location and accessibility to roads were the major determining factors in this regard. The next most useful extension activity was considered, by two-thirds of the FEAs, to be the promotion of income-generation among women, while one FEA ranked obtaining higher crop yield through extension services as number one in importance.

In terms of the impact on non-member families of extension activities through the CDG model, some of the FEAs reported that non-members were always welcome to attend and that field staff accommodated them indiscriminately in extension messages and the supply of inputs such as seed and pesticides. Special efforts were made to encourage non-members to join CDGs. Respondents also reported that CDG activities had had some demonstrable impact on non-member families, especially when those families saw the increasing trend towards income-generation among CDG members. However, the extent of benefits to non-members was reported to be great by only 20 percent of the FEAs, while more than half perceived non-members to have benefited to some extent, and the remaining one-quarter perceived no benefits.

Strengths and weaknesses of the CDG and the traditional approaches. The strengths of the CDG model, were perceived as being convenience in terms of planning and executing extension services; security and safety of female field staff; and the provision of a savings and credit facility. Under the CDG model the incentive of the credit facility was a great attraction to members of CDGs. One of its weaknesses was that the extension activities are mainly directed towards CDG members and, although extension service functionaries are supposed to serve the interests of all farmers in the communities, they actually only did so when they felt like it and/or in response to the initiative of non-members. Other weaknesses included the discussion of failed or delayed supply of inputs and extension messages at CDG meetings, resulting in demotivation of members, and conflict among different social groups, posing problems in the formation of CDGs and the carrying out of extension activities by field staff.

Regarding the strength of the traditional model, about half of the FEAs believed that, although it was difficult to contact or extend services to individual farm families, once a rapport had been established it became lasting and effective.

Training in erecting less expensive polyethylene tunnels being provided to female CDG members at Suasda

FEAs perceived the weaknesses of this model as being:

Suggested improvements. FEAs are the sole channels of communication in the CDG model. They are therefore not only fully aware of the strengths and weaknesses of the programme, but are also seen as having a deep insight into the likely remedies that would make their extension activities more purposeful and rewarding for the CDGs.

The respondent FEAs were very frank and straightforward about deficiencies in their own professional knowledge and technical expertise. About 86.7 percent of them stressed the need for more training of FEAs in job-related activities, such as poultry and livestock care and management vocational skills, which they could then impart to CDG members. They were critical of the diploma training they had received and of other in-service training programmes that they had attended. They stated that the theoretical knowledge received during these training activities was of little use in handling the practical situations and problems of their jobs. There was a strongly felt need to develop training courses with a practical component. Most of the FEAs also suggested that they should be exposed to other development projects in the country.

Limited mobility, caused by lack of transport, was one of the constraints most frequently reported by the FEAs as affecting the efficient and effective performance of their duties. Some FEAs said that the sharing of field units' transport vehicles with social organizers was problematic. The provision of adequate transport facilities was emphasized as a way of improving FEAs' regular contacts with beneficiary CDGs.

A number of suggestions were made regarding the methods and contents of training courses in the agriculture, livestock and poultry sectors imparted to CDG members. During interviews, many FEAs and CDG members referred to the present shortage of teaching materials and audiovisual aids. There was a strong feeling among the FEAs that practical demonstrations and the use of audiovisual aids could greatly enhance the interest and understanding of both CDGs and field staff. FEAs were least satisfied with the training they had received from ESMA and underlined the need for practical training oriented towards real farm-level situations and problems.

Women's community development groups

The thematic approach of this community development project, as already stated in the previous section, was based on the formation and consolidation of grassroots-level institutions in the form of CDGs. One of the objectives of this study was to find out and assess the opinions and perceptions of the members of beneficiary women's CDGs with regard to the usefulness of extension activities undertaken by FEAs, the achievements of the new project model, and its effects and impacts on the quality of life indicators of recipient communities.

Situational data

Each CDG has a President, a Secretary and a Treasurer as its office-bearers. Candidates for these offices are elected democratically by the CDG members. Education was reported as an essential prerequisite for selection to the positions of Secretary and Treasurer, as these women office-bearers were responsible for keeping records of meetings, finances, etc. However, for the office of President, education was not a necessary condition. Among the 50 randomly selected members of women's CDGs interviewed, 42 were ordinary members, and the other eight were CDG presidents (three), secretaries (three) or treasurers (two).

The average age of the respondent members of women's CDGs was just under 29 years. The average literacy rate was encouragingly high; at 66 percent it was significantly higher than the overall female literacy rate of either AJK or Pakistan. Further analysis revealed that a majority of the respondent members (i.e. 40 percent) were educated up to high school matriculation or above, while 16 and 8 percent of them had received schooling to primary and middle levels, respectively. In two of the sample villages, i.e. Sattar Karian and Kulpana, not only was the overall literacy rate quite high, but also 50 percent of respondents had been educated up to high school matriculation or above.

Demonstration of plastic sheet preparation for fumigation to manage stored grain pests at Patikka Muzaffarabad

Exactly 50 percent of the study respondents were married. Slightly less than half, i.e. 48 percent, were unmarried and one respondent fell into the separated or divorced category. Exceptions to this generalization were Butmung, where 90 percent of the CDG members interviewed were unmarried, and Kulpana, where only 20 percent of respondents were unmarried.

A definite shift from the traditional joint family system to nuclear-type families was observed to have occurred as a result of significant changes in families' occupational structure; and the phenomenon may also be positively correlated to the emerging signs of economic prosperity. When members of a family can obtain enough to eat and wear from their own sources, they begin to cherish autonomy in decision-making. AJK's prevalent pattern of traditional joint families was well reflected by the sample families. The proportions of nuclear and joint families being 46 and 54 percent, respectively, with some village-to-village variation. The average family size among the respondents was fairly large, at around eight members.

None of the respondents' families was landless, but the majority (i.e. 72 percent) owned less than 15 kanals of land each. Landholdings of this size are usually too small to support a large family, so most of the CDG members' families derived a major proportion of their incomes from non-agricultural pursuits, and agriculture was the main occupation in only 22 percent of cases. Analysis of the remaining 78 percent of families revealed that 38.0 percent were self-employed, 36 percent were skilled labourers (drivers, mechanics, etc.) and the remaining 10 percent were employed by either the government or the private sector.

Response data

Effectiveness of extension and the CDG model. Female extension staff working for NJVCDP were responsible for providing extension services to rural women in the fields of agriculture, animal husbandry and other related sectors, on a demand-driven basis. To achieve this objective, female extension staff are committed to:

Interestingly, only one member of a women's CDG reported that the FEA regularly attended monthly meetings. A significant majority, i.e. 84 percent, reported that FEAs attended meetings regularly only during peak seasonal activities or when they were otherwise required to visit for an emergency. In two of the sample villages, CDG members stated that no extension activity had been carried out over the previous year and that FEAs had neither made any visits nor attended any CDG meetings. However, it was then revealed that the FEA serving that area had been transferred and that the Female Extension Officer who was supposed to be substituting her had had too many other commitments to be able to dedicate time to the activities of CDGs.

Some 60 percent of respondents reported that FEAs made occasional visits during seasonal activities to supervise the vegetable plots of women's CDG members. According to the village concerned, FEAs had carried out follow-up activities in 20 to 100 percent of cases, although transfer of the FEA again accounted for the low number of follow-up activities in one of the two 20 percent cases, while in the other there had been no need to carry out such activities. The negative impact of having no FEA in the area was shown by the local CDG members' lack of interest in extension activities.

The frequency of visits that CDG members made to the FEA's office for help with problems or supplies of agricultural inputs such as seed, fertilizer or pesticide was seen as a way of assessing the members' interest in agicultural activities and confidence in the extension services. Only about 14 percent replied that they often made such visits. More than half never visited the office themselves and, when problems arose, a male member of the CDG would contact the field staff. Respondents seemed disinclined to visit the FEA even when they urgently required some input or technical advice. The only exception to this generalization was observed in Kulpana, where 80 percent of respondents visited field offices; their willingness to do so may be due to the relative proximity and accessibility of the field office.

Impact on crop operations. Technologies and activities must be applied at the appropriate time in order to get the best results; even the best thought-out plans for extension activities can be ruined by delays in implementation, thereby losing the confidence of extension clients. In four of the five CDGs under study, most of the members felt that agriculture extension activities were undertaken in conformity with the agricultural calendar. The exception was Butmung, where almost all the members claimed that they themselves were not interested in the extension activities undertaken by FEAs (i.e. supply of seeds and modern techniques for vegetable cultivation), because they were already self-sufficient in vegetables and would not benefit from producing a surplus owing to the lack of marketing opportunities. The supply of seeds was the main extension input mentioned by respondents.

Members of women's CDGs reported that in farm families there was a definite male-female division of labour regarding crop operations. For the two major crops - i.e. wheat and maize - most of the land preparation, sowing, ploughing, irrigation and other operations were carried out by men. Women helped with the harvesting and threshing of crops, and drying, cleaning and storing of grains were primarily their responsibility. Decisions regarding the selection of seed, method of cultivation, use of fertilizers and interculture were therefore made by men, since these operations involved only minimum participation from women. The data collected revealed that 66 and 28 percent of women's CDG members were not aware of demonstrations in connection with wheat and maize crops, respectively. However, of those who were aware, most found such demonstrations to be very useful or useful.

Women respondents were found to be far more aware of and interested in extension activities related to fodder crops and vegetables production, since women are actively involved in animal care and management. More than 90 percent of respondents reported that they were aware of community-based training and input supply, carried out by FEAs and relevant experts to improve the supply and quality of fodder. Most respondents regarded such interventions as very useful or useful, with only three of them saying they were not useful, probably because their own crops had failed.

Female extension workers and CDG members visit the vegetable Research and Demonstration Farm, Patikka

Vegetable crops are another essentially female domain in AJK, and so respondents were interested in related extension inputs from field staff. Nearly all of them were aware of such extension activities as supply of improved seeds, cultivation techniques, plant protection measures and storage, and most of them found these activities useful or very useful. Most of the 20 percent of respondents who did not find them useful were in Butmung, where self-sufficiency in vegetables means that women are not inclined to use improved technologies (seeds and cultivation techniques) because they have no outlet for any surplus production. In the other two dissatisfied villages, shortage of water was one of the main reasons for the negative response. In all the villages, women were disappointed with the failure of chilli crops for two consecutive years. They reported that the visits of experts and subject matter specialists arranged by FEAs and, in particular, the suggested plant protection measures had no impact in improving the situation. This area needs special attention in order to maintain the credibility of extension services in the project area.

Extension staff reported that each union council lays out a demonstration plot of each crop every year. However, these plots are located in central areas, so women in remote villages are likely to find it difficult to visit them. For example, about two-thirds of respondents had not visited or were unaware of the wheat plots, and nearly all of them knew nothing about fruit plots. On the other hand, the vast majority of respondents either knew of or had seen the fodder and vegetable plots and, overall, those who were aware of demonstration plots found them useful or very useful.

Impact on livestock operations. The livestock component of NJVCDP focuses on improvement in poultry and livestock production through breed improvement, disease and parasite control and better feeding. Activities include training in poultry keeping, supply of improved breeds and demonstration of proven technologies.

Poultry production is one of the priority sectors in poverty alleviation programme for rural families. One of the NJVCDP objectives has been to produce and distribute appropriate breeds of village poultry to small subsistence households and to support village poultry breeding units. Meeting of the performance targets fixed for 1998-1999 - in terms of distribution of day-old and six-week-old chicks, vaccination against Newcastle disease and training of poultry "contact persons" - was reported by the project management to have been encouraging. Progress reports for the current period record satisfactory achievement of targets regarding the distribution of poultry birds and the training of female poultry contact persons. By December 1999, 171 female contact persons had been trained in poultry vaccination and treatment and provided with vaccination kits and a regular supply of vaccine against Newcastle disease. Rural women's awareness and perception of these interventions was ascertained through a number of direct questions.

Conducting participatory planning exercise during livestock Contact (extensionist) training at Satar Karian, Hattian Dopatta

Data regarding the purchase of chicks revealed that a small proportion of respondents (14 percent) had purchased day-old chicks through extension staff. It was also reported that high mortality among chicks had discouraged poultry raising in most of the field units. These early failures can be explained by the extremely cold weather conditions that prevailed at the time. Although input supply and activities can be client demand-driven, it is up to extension staff to decide on the appropriate timing for adoption of interventions.

At the union council level, training courses of one month are organized for CDG nominees and activists (contact persons). The first two weeks of these courses are dedicated to poultry raising and the third and fourth weeks to livestock care and management. As well as being trained in the care and management of poultry, trainees also receive an honorarium and vaccination kits free of cost.

Nearly one-third of the CDG members interviewed did not know about the available training opportunities, but most of this group came from the two villages -Butmung and Retra - where poultry raising is almost non-existent. Of the 68 percent of aware respondents, most found the training useful or very useful. Most of those who found it very useful were the contact persons/trainees themselves, for whom the newly acquired skills and knowledge had become a source of earning. In one village (Satter Karian) one of the three poultry contact persons was reportedly earning more than Rs 1 000 per month through vaccination (during disease outbreaks), but in Kulpana and Sadhani, the contact persons were highly dissatisfied with the economic returns on their skill. They reported that rural women did not agree to pay for vaccination and expected free service, although the loss incurred when one bird dies is around Rs 100.

Among the respondents, 60 percent were aware that training in livestock care and management was available to CDG activists/members, and most of these people believed it to be useful or very useful. However, interviews with the trainees/contact persons themselves revealed that they had not been satisfied with the contents of the training and found them too basic.

Strengths and weaknesses of the CDG and traditional models. None of the CDG members expressed full satisfaction with use of the CDG model for extension services in the fields of agriculture, livestock and poultry. Extension activities in poultry and livestock care and management were judged somewhat satisfactory by just more than half of the respondents, and nearly all of them were somewhat satisfied with the crop-related extension they had received.

Among the shortcomings mentioned were the inadequate quantity and quality of inputs and the inadequate training of field staff. Frequent reference was made to field staff's inability to suggest appropriate plant protection measures, as well as to identify and control disease among animals. The respondents appeared least satisfied with the community-based training, which they found too theoretical and lacking in practical application or demonstrations. However, almost all the respondents looked forward to further improvements in extension services with regard to the training of women in agriculture, poultry and livestock care.

A significant majority (92 percent) of respondents reported that, under the traditional model, female family members were never contacted by male extension assistants for extension messages. Only four had ever received information through male extension assistants. All but three of the respondents (94 percent) considered that the CDG model was more effective than the traditional model, and none held that the traditional was better than the CDG. Reasons for preferring the CDG model were:

With certain reservations, respondents said that the CDG model was better than the traditional one, but they were not fully satisfied with what had been done for them so far. This view seemed to be supported by what was found in the proceedings of CDG monthly meetings. The focal activity at most of these meetings was the savings and loan statements, and group promoters' attendance at the meetings was high, since they are required to maintain and submit the monthly progress reports on CDG credit operations. However, the high absenteeism of FEAs from CDG meetings vividly indicated a lack of any regular extension activity (except during seasonal activities), resulting in a loss of interest among CDG members.

The following are some of the factors that may be responsible for this situation:

The recommendations made by the CDG members to improve FEAs' performance for the betterment of rural women included:

The project's vocational training component also aims at improving the non-farm income-generating capability of target households. This can be achieved by training CDG members in skills or trades that are relevent to their general level of education and the local environment and that enable them to establish small businesses within their villages or seek jobs in the market. This component is being executed by the Social Welfare and Women's Development Department, to which the project has allocated Rs 6 420 million for a vocational skill development programme for women (NJVCDP, 1999).

Women's traditional vocational skills such as knitting, tailoring and embroidery are considered prestigious, especially among younger women. About 42 percent of respondent women's CDG members were not aware of extension staff arranging any training for women in these skills. However, those who were aware (58 percent) reported that about 12 CDG members and activists had already taken part in such training sessions. Among the nearly 50 percent who found these interventions useful or very useful, the women who had been trained were particularly satisfied and were earning well from applying the skills they had acquired. In Sattar Karian two young CDG members had borrowed money with which to buy sewing machines and raw material from the project. They were supplying garments to the city and were highly satisfied with their earnings. Another two CDG members in Sattar Karian had established a vocational training centre in the village and had enrolled 50 trainees, charging each of them Rs 50 per month. The project has arranged for the Social Welfare Department to lend this centre 20 sewing machines for a period of three months. In general, the young women in the project area demonstrate a high level of enthusiasm for skills development and income-generating activities.

Income generation and the credit programme. The credit programme in the NJVCD project area was initiated in 1997, and over the last three years its coverage had been quite encouraging. Of a total of 743 CDGs, 193 were reported to be operating community credit pools (CCPs), which stood at Rs 12.5 million, plus a disbursement of Rs 6.25 million as matching grant fund from the project. So far, Rs 17.83 million has been disbursed as credit among 2 401 members, of whom 761 (38 percent) are women. About 100 CDG members utilized Rs 0.70 million for the purchase of agricultural inputs and 1 001 people (715 men and 286 women) have established their own enterprises in the non-farm sector. Another 490 men and 450 women utilized a total of Rs 8.5 million for livestock development. Women were reported to be more inclined to undertake livestock development activities for income generation (NJVCDP, 1999).

The implementation of community-based credit programme in the project area has had a positive impact on CDGs and their members. There are significant increases in the saving level of CDGs, more opportunities for new income generation and reduced unemployment at the village level.

The project attempted to assess the impact of credit on the income-generation capacities of the sample CDG members. About 58 percent of interviewees (29 out of 50) were currently involved in income-generating activities through the credit facility. Of these, just more than half were involved in livestock production, about one-quarter in non-farm activities and small businesses, and about one-fifth in skills such as tailoring and knitting. One respondent had received a loan for vegetable farming.

Distribution of certificates and kits to successful candidates, at the end of livestock management training at Dudhoial Neelum

The average monthly income generated by these activities ranged from Rs 2 000 to almost Rs 3 000. These figures represented net profits after paying loan instalments and business running costs. Vocational skills and small business activities have certain limitations, especially regarding the marketing of products. There is great potential for livestock production, but it suffers from the lack of affordable quality breed animals and reasonable facilities for the treatment of disease. Respondents expressed their concerns about losing animals because of the inaccessibility and expense of treatment.

Views of agriculture Extension Department administrators

The Director

Women constitute about 50 percent of the total population of AJK. The Director of Agriculture Extension pointed out that women in this area are actively involved in farming activities, especially vegetable growing, fodder cultivation and livestock care and management. It was, therefore, particularly unfortunate that they benefited least from the extension services offered through the traditional model because social restraints made male extension assistants hesitant to contact women. He asserted that the establishment of a female extension unit has changed the situation dramatically. FEAs have no difficulty in contacting women at their homes or farms, and the increased contact and flow of information through the CDG model has had a positive impact in creating awareness and interest among rural women. However, he also pointed out that, although FEAs achieved a lot during the initial stages of the project, their success rate declined soon after. One of the perceived reasons for this was the FEAs' frequent absence and lack of interest in attending field offices. The Director's explanation for this was that FEAs were usually first appointed at their home stations, when most of them were unmarried. The increase in their incomes and the enhancement of their social status meant that they tended to get married quickly. In many cases, this led to a change of residence and adversely affected FEAs' attendance to their official duties (for example, one FEA who was appointed in Leepa got married and moved to Muzaffarabad, where she had no alternative but to remaining on leave). Prolonged periods of leave and absence from office has become a common problem among the FEAs, and the Director pointed out that this issue has been much discussed at meetings with higher authorities. It has been decided to take strict action against absentee FEAs. Despite these shortcomings, however, he appreciated that the CDG model was the best and that FEAs were good workers, provided they attend to their duties regularly.

Cultivation of tomato, chili and eggplant nursery in plastic tunnels by a woman farmer

He was of the view that, since government functionaries are always answerable to a higher authority, it would perhaps be better if some government department take over overall supervision of project activities. He also emphasized the need for strengthening linkages with various relevant government departments. He perceived the credit programme to have been very successful, and hoped that it could be carried forward after NJVCDP's inputs are withdrawn. He believed that it will not be difficult to find donors.

Regarding the impact of the female extension service on the women of the area, the Director strongly supported and emphasized that the CDG model has not only improved the skills of women in agriculture-related activities, but has also gone a long way in spreading awareness and enhancing women's involvement in a number of income-generating activities. The loan facility through CCPs is a great incentive for the poor and deprived. The Director emphasized the need for carrying out extension services according to the CDG model. With some trimming and brushing, the working efficiency of project functionaries could be greatly improved, he concluded.

The Deputy Director

According to the Deputy Director of Agriculture Extension, women contribute three times more labour to agricultural pursuits than men do. Vegetable growing, fodder cultivation and animal care and management are entirely the responsibilities of women in rural households. The introduction of a female extension service through CDGs was a useful way of improving women's access to technical information and agricultural inputs.

The Deputy Director had a lot of respect for FEAs, who he claimed were working very hard and with dedication. He referred to people's unwelcoming attitude to the appointment of FEAs in the initial stages of the project, and noted how much things had changed since then. The commitment with which FEAs perform their duties is an important factor in winning the confidence of people, in general, and of their male counterparts, in particular. For quite some time, male functionaries considered FEAs as a potential threat to their established traditional authority in the Agriculture Extension Department, and there were still complaints about their non-supportive attitude when asked to collaborate with FEAs on certain activities, including transporting agricultural inputs, preparing demonstration plots and cutting and pruning trees. The Deputy Director asserted that the physical and social environments in which FEAs work necessitate the presence of male field workers. Besides helping with jobs that require physical strength, the presence of a male field worker provides security for FEAs during travel and when they are in the field. He pointed out that tensions and conflicts among different castes and political groups sometimes make it difficult for FEAs to move about and carry out their normal development activities.

The Deputy Director mentioned that the fear of losing jobs at the closure of NJVCDGP is a constant concern to FEAs. However, the Department was seriously considering adopting the cadre of FEAs within its own job and pay structure. These FEAs would be fixed at a lower grade (BPS-8) but at least they would have job security. He himself was so convinced about the success of using FEAs that he felt no hesitation in replacing male extension assistants with FEAs as positions fell vacant.

He believed that women loanees tended to utilize loans more effectively and appropriately than men do. The rate of recovery of loan instalments was also higher among female loanees.

A resource person from an NGO teaches the contruction of a multi-purpose dome structure to women farmers and Female Extension Assistants under training at Garhi Dopatta.

Female Extension Officers

Three female extension officers participated in a group discussion. All of them had experience of working as FEAs during the project and had since been promoted or taken on the additional charge of this office.

Regarding FEAs' effective coverage of target CDGs, the discussants reported that, in areas where there were many women's CDGs which were dispersed, coverage was undoubtedly difficult. Nevertheless, they were satisfied that coverage through the CDG model had become very convenient.

The following facts were reported regarding the success of extension activities carried out to improve the skills of women in the agriculture sector:

As regard the training of FEAs, the following views were stated:

Monitoring «codling moth» population - a demonstration at Extension Services Management Academy to trainee extension workers

At the end of the session, the officers mentioned some of their social and personal problems, with special reference to the lack of job security. Job uncertainty was a real cause of concern and distress among the FEAs.


[3] 1 kanal is a little more than 0.05 ha.
[4] Beldars are permanent employees (in the lowest cadre) of the Agriculture Department who carry out farm operations.

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