The debt trap
The baseline survey in kanjar villages (hamlets) of Patan and Gangdhar block in Jhalawar district is now complete. The data reveals a grim situation: 690 households in 18 villages are reeling under a cumulative debt of over Rs 2.5 crore. Even after assigning a correction factor to the data, assuming a high figure gets quoted by respondants for a possible debt relief, the situation with respect to income versus debt remains skewed. The average income:debt ratio in 8 villages of Gangdhar block is 1: 3.3 whereas the ratio is 1: 1.5 in 10 villages of Patan block. For a tribe that is culturally isolated, socially insecure and resource poor, getting out of debt trap is critical for the kanjar to join the mainstream.
The death ritual, called mauser, wherein each household has to make cash contribution is the prime reason for debt accumulation. Another reason for higher debt, in villages of Gangdhar block, has to do with the legal litigation expenses. Since average monthly incomes range from Rs 1,000 to Rs 1,500, repayment rate fails to keep pace with the rate of debt accumulation. The challenge before the project team is to tweak avoidable rituals through behavioural change process as also to develop a financial statement of income-expenditure for selected households for getting a sense of their survival economics. Improving their resource base and developing livelihoods options is crucial to improve their incomes. Enhancing their incomes 3 to 4 fold over the present seems a formidable challenge?