Household assets with their values available with the respondent households
Availability of household assets provides generic idea of economic status of one’s household. Table 1 shows the types of household asset available among the NSRLM beneficiaries and non beneficiary respondents and percentage of respondents owning the household assets with an average number available per household. Among the beneficiary respondents, the percentage of respondents and the average value of household assets were - house and mobile phone (100%) with 1.1 and 2.9 unit per household respectively, followed by pig (72%) with an average number being 1.0 per household, television (25%) with 0.3 unit per household, any other assets (15.2%) with 0.2 unit per household, sewing machine (13.4%) with 0.1 per household, computer and two wheelers (12.2%) with 0.2 per household, refrigerator and four wheelers (8.4%) with an average number being 0.2 per household and radio (5.7%) with 0.1 unit per household. In case of non-beneficiary respondents, 100% respondents possessed house and mobile phone with an average number being 1.1 and 2.5 respectively. 65% of the respondents owned pig with an average number of 0.9 per household, followed by computer and two wheelers (10%) with an average number being 0.1 per household. Household assets such as radio, television, sewing machine, four wheelers and other household assets were possessed by only 5% of respondents with 0.1 units per household for each asset.
The average household assets available per household among the respondents was found comparatively more in NSRLM beneficiary blocks than that of non-beneficiary block, although percentage of respondents possessing assets like house and mobile phone was found similar in both the beneficiary and non-beneficiary blocks. Seemingly, this indication implies that the beneficiary respondents had accumulated more household assets than that of non-beneficiary respondents. In this respect, study of
Mehta et al., (2011) and
Devi et al., (2012) could be referred.
Sources and distribution of income among the respondents
The potential earning capacity of the family can be assessed by summarizing the amount of income a household generates through various income generating sources. All the respondents in the study area collect income from various sources including assistance from various Government sponsored schemes. It was learnt that almost all the household in the study area were involved in agriculture, however majority households gathered agricultural produce mostly for family consumption and only the lesser part of the produce were sold in the market. The major sources of livelihood in the study area were government assistance, farming, livestock and other, NTFP, business, wage/salary, weaving and timber/firewood
etc.
Table 2 shows the distribution of annual household income of the respondents based on 12 months period. In Mon block, the total annual income of the respondents was 79.83 lakhs with an average annual household income being 1.42 lakhs. Out of various sources of income, other sources (23.00%) stood highest in terms of contribution to the household income followed by business (18.60%), farming (17.72%), wage/salary (12.34%), NTFP (7.47%), livestock (7.29%), timber/firewood (5.20%), government assistance (4.35%) and weaving (4.03%).
In Chen block, the total annual household income of the respondent was 25.64 lakhs with an average income being 1.07 lakhs per household. Out of different income sources, maximum income was collected from any other (20.63%), followed by farming (20.16%), business (16.96%), wage/salary (11.78%), livestock (8.70%), NTFP (7.53%), government assistance (5.66%), timber/firewood (5.03%) and weaving (3.55%). The total annual household income from various sources in the beneficiary blocks as a whole was 105.47 lakhs with an average income being 1.32 lakhs per household. Maximum income was collected from any other (22.42%), followed by farming (18.32%), business (18.20%), wage/salary (12.20%), NTFP (7.48%), livestock (7.64%), timber/firewood (5.16%), government assistance (4.66%) and weaving (3.92%).
In case of Wakching block, the total annual household income of the respondents was 15.31 lakhs with an average income being 0.77 lakh which is lower than the beneficiary blocks. The maximum percentage of income was collected from any other (26.91%), followed by farming (19.66%), business (18.29%), wage/salary (11.69%), livestock (7.45%), government assistance (6.60%), NTFP (3.79%), timber/firewood (3.59%) and weaving (2.02%). Similar result was also reported by
Meena et al., (2018).
Table 3 indicates the comparison of annual household income under different heads among the beneficiary and non-beneficiary respondents. It was observed that the average annual household income of the beneficiary respondents was much greater than the average annual household income of the non beneficiary respondents. When subjected to t-test at different level (at 5% level and 1% level), income of beneficiary respondents remained significantly different than non-beneficiary respondents except in case of wage/salary where significant difference was not observed. Similar to this findings,
Sarania (2015) also reported that annual income of the majority of SHG members were increased after joining SHG. Gopal (2012) also reported increase in annual household income by 28% among the respondents.
Sharma (2013) also could be referred.
Status of annual household expenditure among the respondents
Household expenditure gives a holistic picture of the spending capacity of the family. The respondents’ household expenditure pattern on various durable and non-durable items is presented below.
Table 4 shows the distribution of expenditure made by respondents’ households under various heads in a period of 12 months. In Mon block, the total expenditure made by the respondents’ households was 59.30 lakhs with an average expenditure being 1.06 lakhs per household. Out of expenditure made on various items, maximum (40.66%) was spent on food items, followed by children education (29.24%), social and religious (6.46%), clothing (5.69%), any other (3.95%), health care (3.77%), transportation (3.71%), household materials (2.73%), health, fuel and electricity (2.26%) and pan, tobacco
etc (1.53%). In Chen block, the total expenditure made by the respondents’ household was 20.18 lakhs with an average expenditure being 0.84 lakhs per household. Maximum (45.49%) was spent on food items, followed by children education (28.25%), other (5%), clothing (4.71%), social and religious (4.11%), health care (3.66%), transportation (2.68%), fuel and electricity (2.28%), household materials (2.23%) and pan, tobacco
etc (1.59%). In totality, the expenditure made by beneficiary respondents’ households was 79.86 lakhs with an average amount being 0.99 lakhs per household. Percentage of expenditure made on various items was food items (41.69%), children education (28.85%), social and religious (5.84%), clothing (5.41%), other (4.19%), health care (3.73%), transportation (3.43%), household materials (3.07%), fuel and electricity (2.25%) and pan, tobacco
etc (1.54%).
In Wakching block, the expenditure made by the respondents’ households was found comparatively lower than that of beneficiary blocks. The total expenditure made in 12 months period was 13.75 lakhs with an average expenditure being 0.69 lakhs per household. Maximum expenditure incurred was on food item (52.58%), followed by children education (27.64%), clothing (4.22%), social and religious (3.27%), health care (2.84%), transportation (2.76%), fuel and electricity (2.62%), any other (1.67%), pan, tobacco
etc (1.38%) and household materials (1.02%).
The difference in expenditure between the beneficiary and non-beneficiary respondents shows the human tendency to spend more when income increases regardless of their actual needs. Thus it can be stated that the beneficiary respondents had greater support to boost their income thereby increase in expenditure or consumption of the family.
Gopal (2012) also found that expenditure incurred on various particulars like consumption needs, education, clothing, health care etc among the respondents were increased.
Table 5 indicates the comparison of average annual household expenditure between beneficiary and non-beneficiary respondents. It was observed that the average household expenditure made by beneficiary respondents was much higher than the average annual household expenditure made by non beneficiary respondents under all heads. The significant difference in expenditure under different heads between beneficiary and non beneficiary was observed at 1% level except expenditure on pan, tobacco etc which showed significant difference at 5% level.
Comparison between income and expenditure among the respondents
Comparison between income and expenditure among the respondents was made based on the size of land holding by the respondents to develop clear picture on income and expenditure among beneficiary and non-beneficiary respondents. The respondents were categorized under marginal, small, medium, semi-medium and large based on their land holding status. Table 6 shows that among beneficiary respondents, majority (71.3%) of the respondents were under small land holding category, followed by (27.5%) under marginal category and only 1.2% were under semi-medium category. There were no respondents found under medium and large category in the study area. The gross income generated by the respondents falling under small category was Rs.8192002/- which consisted of maximum percentage of gross income
i.e., 78.7%. The contribution by respondents under marginal category was Rs. 2022500/-
i.e., 19.4% of gross income. The least contribution was recorded from semi-medium category
i.e., Rs. 198000/- which consisted of only 1.9%. The expenditure recorded from small land holding respondents was Rs. 6237020/-
i.e., 77.9% of total gross expenditure. The expenditure of Rs. 1646480/- was recorded from marginal category of respondents
i.e., 20.6, while the least gross expenditure (1.5%) was recorded from semi-medium category of respondents. The average income of semi-medium land holding category stood highest
i.e., Rs. 198000 with return over expenditure ratio being 1.61, followed by small land holding category Rs. 143719/- with the ratio of 1.31. In case of marginal land holding category, the average income was Rs. 91931/- with return over expenditure ratio being 1.23.
In case of non-beneficiary respondents, 75% of the respondents were under small landholding category while remaining 25% were under marginal land holding category. The gross income of small land holding category was Rs. 1185402/- (77.4%) and the gross income of marginal land holding category was Rs. 345800/- (22.6%). Again the gross expenditure of small landholding category was Rs. 1073000 (77.2%) and Rs. 316800/- (22.8%) in case of marginal land holding category. The average income of small land holding category was Rs. 79026/- with return over expenditure ratio being 1.1. As for the marginal land holding category, the average income was Rs. 69160 with the ratio of 1.09.
Table 7 shows the comparison of income, expenditure and savings among the respondents at block level. It revealed that, all three indicators
i.e., income, expenditure and savings, of beneficiary blocks were significantly different than that of non-beneficiary block. Also, between the two beneficiary blocks, the income, expenditure and savings of Mon block remained significantly different than that of Chen block. This was in conformity with the results of Devi
et al (2012) where there was considerable increase in income, expenditure and savings among the SHG members after joining SHG. Das
et al (2018) also revealed that income, expenditure and saving of the beneficiaries were increased because of NERCORMP intervention.
Impact of NSRLM on creation of different types of assets
A trial had been made here to see the status of asset creation by beneficiary and non-beneficiary respondents. It was studied by considering six different types of assets
viz. human asset, physical asset, natural asset, social asset, financial asset and food security. With that, overall asset was also developed to see the effect of NSRLM on asset creation wholly by comparing beneficiary and non-beneficiary. Table 8 shows that the mean of human asset was 65.7 in case of beneficiary respondents and 37.5 in case of non-beneficiary respondents with the t-value being 20.1 at 1% level of significance. The mean of physical assets was 53.9 in case of beneficiary respondents whereas for non-beneficiary, the mean was 36.6 with t-value being 8.3 at 1% level of significance. The mean of natural asset for beneficiary respondents as well as non-beneficiary respondents was 63.7 and 54.8 respectively with t-value 4.7 at 1% level of significance. In case of social assets the mean for beneficiary and non-beneficiary was 73.5 and 35.5 respectively with t-value 23.3 which was significant at 1% level. Mean of financial asset was 64.6 and 36.3 for beneficiary and non-beneficiary respectively. The mean in case of food security was 66.2 and 42.5 for beneficiary and non-beneficiary respectively with t-value of 11.8 at 1% level of significant. The mean of overall asset for beneficiary was 64.6 and for non-beneficiary was 40.5 with t-value 26.6 which was significant at 1% level. This indicates that the intervention of programme had positively impacted on creation of all the six assets by beneficiary respondents. Similar type of results were reported by Dolli (2006) in north eastern Karnataka in relation to the study on watershed development project.
Association of independent variables with asset creation
Correlation analysis was done to see the association of independent variables
viz., age, marital status, family type, education, occupation, land holding, house type, income and expenditure with dependent variable-asset creation. Table 9 shows the correlation coefficient ‘r’ that indicates the relationship between independent variables and dependent variable in case of beneficiary respondents. It shows that, among the independent variables age had significant relationship with creation of physical asset, financial asset and overall asset. Family type had significant positive correlation with human asset creation. Income had positive significant relationship with creation of human asset, financial asset, food security and overall asset. Expenditure had significant positive relationship with human asset, financial asset and overall asset creation.