MUTHULAKSHMI REDDY · 2019-05-11 · the socio-economic conditions of beneficiaries of Dr. Muthulakshmi Reddy Maternity Benefit Scheme, ii) to study the health infrastructure, iii)

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Int. J. Mgmt Res. & Bus. Strat. 2016 S Ganesan and P Chitra, 2016

A STUDY ON Dr. MUTHULAKSHMI REDDYMATERNITY BENEFIT SCHEME IN MUGAVANUR,

TIRUCHIRAPPALLI DISTRICT

A theme explored in this paper is a study on Dr. Muthulakshmi Reddy Maternity Benefit Schemein Mugavanur, Tiruchirappalli district. The main objective of this paper focuses with i) to analysethe socio-economic conditions of beneficiaries of Dr. Muthulakshmi Reddy Maternity BenefitScheme, ii) to study the health infrastructure, iii) to find out the eligibility criteria forDr. Muthulakshmi Reddy Maternity Benefit Scheme, and iv) to analyse the Dr. MuthulakshmiReddy Maternity Benefit Scheme’s success rate in selected area. This study is based on bothprimary and secondary data. All the 112 beneficiaries have been covered for the study. Thecollected data have been analysed by using statistical tools. After implemented theDr. Muthulakshmi Reddy Maternity Benefit Scheme the infant mortality rate was low andinstitutional delivery was high. The aggregate statistics show that most of the women receivedbenefit from the MRMBS. Overall, this study shows that most of the women belongs to highercaste groups and economically sound. They were benefiting through receiving the money fromthis scheme. But this scheme is established only for below poverty line groups of pregnancywomen. The government should take necessary steps and increase the scheme amount becauseafter the delivery baby’s health expenditure will be high.

Keywords: Health, Maternity benefit, Child health

INTRODUCTIONTamil Nadu is successive governments havecome out with many innovative pro-poor policiesto promote social equity. Dr. Muthulakshmi ReddyMaternity Benefit Scheme is implemented byTamil Nadu Government under which financialassistance of Rs. 12,000 is given in 3 installmentsto women from poor families in order to

1 Assistant Professor, Department of Economics, Bharathidasan University, Tiruchirappalli 620023, Tamil Nadu, India.2 Ph.D. Research Scholar, Department of Economics, Bharathidasan University, Tiruchirappalli 620023, Tamil Nadu, India.

Int. J. Mgmt Res. & Bus. Strat. 2016

ISSN 2319-345X www.ijmrbs.comVol. 5, No. 4, October 2016

© 2016 IJMRBS. All Rights Reserved

compensate the wage loss during pregnancy, toget nutritious food and to avoid low birth weightbabies. The MRMBS was meant for the first twodeliveries of BPL women, excluding those whonot owned mobile phones, motor vehicles andland. Eligible women have to submit theapplication forms of their respective villages tothe Village Health Nurse. The VHNs are authorized

S Ganesan1* and P Chitra2

*Corresponding Author: S Ganesan, [email protected]

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to certify the poverty status of the pregnantwomen and the application must be submittedfollowing documents: 1) Family income certificateprovided by the Village Administrative Officer (theannual house-hold income should be below Rs.24,000), 2) Copy of the antenatal care servicecard provided by the public health facility, 3) Rationcard provided by the civil supplies and consumerprotection department. If the woman is a SriLankan repatriate, a certificate of repatriate statusis also needed. The pregnant mother should beof age 19 years and above. The pregnant womanshould be in the below poverty line group. Thiscash assistance will be given to every pregnantwoman.

Eligibility and ProceduresThe MRMBS was meant for the first two deliveriesof BPL women, excluding those who ownedmobile phones, motor vehicles and land. All theBPL women who access the service of a primaryhealth centre are eligible for the benefits, but theannual household income limit has been raisedto Rs. 24,000 from Rs. 12,000. Sri Lankanrepatriate women are also eligible for the benefits.However, the scheme continues to cover only thefirst two deliveries. Eligible women have to submitthe application forms of their respective villagesto the village health nurse. The application andthe necessary documents are duly forwarded tothe block medical officer through the sector healthnurse, the community health nurse and themedical officer of the PHC covering the women’svillage.

Statement of the ProblemIndia has a very large population and its rate of isalso fast. As a result every year the addition madeto the population is very large. This populationgrowth is undesirable. It obstructs faster

economic growth and the economic growth thattakes place is not fully reflected in the risingincome level. Per capita income has been risingat a rate lower than the rate of increase in nationalincome. It has also aggravated the problem ofunemployment and poverty which in turn hascreated many social and political tensions. Theexisting shortage of infrastructural facilities suchas electricity, transports etc. become more acute.And above all the quality of human life remainspoor which is reflected in low literacy rate, lowlife expectancy, non-availability of drinking waterto vast population, poor housing and malnutritionand high infant mortality rate. At the same timethe government has also introduced newschemes like Dr. Muthulakshmi Reddy MaternityBenefit Scheme and it is indirectly encouragingthe population growth through the monetarybenefit scheme. The present study tries to identifythe real situation of rural beneficiaries of MaternityBenefit Scheme in Tiruchirappalli District.

Profile of Mugavanur PanchayatThis study area of Mugavanur Panchayat is inManapparai Taluk of Tiruchirappalli District. Thetotal area of this is around 975.38 hectares. Thereare above 800 household were living in thisPanchayat and the total population is 1303persons. Among these population, male are 638and female are 665 and Mugavanur Panchayathas 21 villages. Every village has primary schoolruns by the government. There is only one SubHealth Centre in this Panchayat. This study isbased on both primary and secondary data. Forthe primary data Mugavanur Panchayat,Manapparai taluk of Tiruchirappalli District hasbeen selected. More than 500 families are livingin Mugavanur Panchayat. Primary data have beencollected through a structural questionnaire. Thesecondary data have been collected from the

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village primary health centre in Vaiyampatty block.Systematic random sampling techniques havebeen adopted. A sample of 112 respondents hasbeen selected for the study. The collected datahave been analyzed by using percentagemethods and econometrics tools.

RESULTS AND DISCUSSIONThe paper has explained that HumanDevelopment Index rate of in selected developedand developing countries. The main objectivesof this paper focus with i) to analyze the socio-economic condition of beneficiaries of Dr.Muthulakshmi Reddy Maternity Benefit Scheme,ii) to study the health infrastructure, iii) to find outthe eligibility criteria for Dr. Muthulakshmi ReddyMaternity Benefit Scheme, and iv) to analyze theDr. Muthulakshmi Reddy Maternity BenefitScheme’s success rate in selected area.

Age of the RespondentsAge is one of the eligibility criteria of MRMBS.Above 19 years completed woman only eligiblefor this scheme.

The above table reveals that majority (77.8%)of the respondents were belong to the age groupof 19-25 years, and (17.8%) of the respondentswere belong to the age group of 26-30 years, and2.6% of the respondents were belong to the age

group of 31-35 years, and remaining 1.8% of therespondents were in the age group of 35-40 years.In this study area above 31 years age group ofwoman are not willing to pregnancy.

Respondents’ Educational LevelEducation level of the respondents is ranged fromilliterate to degree holders. On the basis of formaleducation, the respondents are classified asilliterate, school going and college going. Theclassification of respondents is based on theeducation level which is presented in the followingTable 2.

The above table envisages that maximum of81.3% of the respondents were get school levelof education, and only 6.2% of the respondentswere having college degree as their educationstatus in this study area. There have no collegesnear by the villages so most of respondentsunable to get college degree, and school are therenear by the villages so school level educationwere more in this study area. Nearly 12.5% ofthe respondents were illiterate.

BC MBC SC Total

1 19-25 19 45 23 87 77.8

2 26-30 4 10 6 20 17.8

3 31-35 1 1 1 3 2.6

4 35-40 0 1 1 2 1.8

24 57 31 112 100

No. of Respondent

Total

AgeGroup

S.No

Percentage

Table 1: Age of the Respondent

Source: Primary Data

Table 2: Respondents’ Educational Level


BC MBC SC Total

1 Illiterate 1 11 2 14 12.5

2 School 21 43 27 91 81.3

3 College 2 3 2 7 6.2

24 57 31 112 100Total

S.No

EducationalLevel

PercentageNo. of Respondent

Respondents OccupationsDetails of occupations of respondents areclassified as agriculture, housewife, professional,business, employees and others like coolie. Thebelow table reveals that more than 55.4% of therespondents were housewife, it was found thatalmost all were unemployed, and 25.8% of the

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respondents were involved in agriculture work,remaining 18.8% of the respondents wereinvolved others type work like coolie, MGNREGP,because of majority of the respondents weregetting school level of education and illiterate sothey are not eligible for professional related worksfrom rural areas. The number of housewife wasmore in this study area because of they had moreresponsibilities and works in their home.

Wage Per Day of the RespondentsThe day wages of respondents range fromminimum amount of Rs. 500. On the basis wageper day are classified in to five categories. Thedetail of per day wage of respondents ispresented in the Table 4.

From the above table shows that highly of(37.5%) of the respondents were earning per daywage of Rs. 201-Rs. 300, and 26.8% of therespondents were earning per day wage of Rs.101-Rs. 200, the 16.1% of the respondents wereearning per day wage upto-Rs. 100, only 6.2% ofthe respondents were earning per day wage ofless than Rs. 500. In this study area per day wageup to Rs. 300 earning person was more becausemore respondents were getting school educationso they are eligible for non-professional work onlylike driver, dialer and sail work, agricultural work.The per day wage above Rs. 400 earning personwas less in this study area because of collegedegree holders was low.

Family Monthly IncomeThe monthly income of respondents range fromRs. 1,000 to Rs. 15,000 and it is classified intothree categories. It is one of the important variableand eligibility criteria for applying of MRMBS. Thedetails of income of the respondents presentedin below Table 5.

It is found from the above table clearly showsthat (75%) of the respondents were earning theirmonthly income upto-Rs. 5,000 then 16.1% ofthe respondents were earning monthly incomefrom Rs. 5,001 to Rs. 10,000, and only 8.9% ofthe respondents were earning income betweenRs. 10,000 to Rs. 15,000. In this study monthly

Table 3: Occupation of the Respondents


BC MBC SC Total

1 Agriculture 6 17 6 29 25.8

2 Housewife 15 28 19 62 55.4

3 Professional 0 0 0 0 0

4 Business 0 0 0 0 0

5 Employees 0 0 0 0 0

6Others(coolie)

3 12 6 21 18.8

24 57 31 112 100

No. of Respondents

Total

Occupation PercentageS.No

Table 5: Family Monthly Income of theRespondents


BC MBC SC Total

1 Upto-5,000 20 39 24 83 75

2 5,001-10,000 1 13 5 19 16.1

3 10,001-15,000

3 5 2 10 8.9

24 57 31 112 100Total

No. of RespondentPercentage

FamilyIncome (Rs)

S.No

Table 4: Wages of the Respondents' Spouse


BC MBC SC Total

1 Upto-100 5 7 6 18 16.1

2 101-200 7 12 11 30 26.8

3 201-300 2 29 11 42 37.5

4 301-400 7 6 2 15 13.4

5 401-500 3 3 1 7 6.2

24 57 31 112 100Total

No. of RespondentsWage/Day(Rs)

S.No

Percentage

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income of Rs. 5,000 earning persons were highbecause of the agriculture and tailor work wasseasonality work and also per day wage earningpersons were more. It is evident from the analysisthat low income people were utility more thisMRMBS.

Family Monthly ExpenditureThe monthly Expenditure classification ofrespondents refers to expenditure of their families.The details of expenditure of respondents arepresented in the following table.

The below Table 6 clearly shows that morethan 83.1% of the respondents (93) werespending their monthly expenditure up to Rs.5,000, 13.4% of the respondents (15) werespending from Rs. 5,001 to Rs. 10,000, and 3.5%of the respondents (4) were spending theirmonthly expenditure between Rs. 10,000 to Rs.15,000. It is identifying from the analysis thatexcept 9% of the respondents (10) allrespondents were spending more or less equalto their family monthly income.

five members in their family, and nearly (41%) ofthe respondents between 6-10 because they wereliving in joint family system. Only 3.5% as therespondents were having more than 11 membersin their family because of them were living as jointfamilies. In this study area most of therespondents families were having less membersin their family because of those respondents werelike to living the nuclear family.

Number of BabiesThe number of babies has an important role toplay for eligibility to apply for MRMBS. For the firsttwo babies’ only family can apply for this scheme.The details of number of babies are presented inthis following Table 8.

The above table clearly reveals that about43.8% of the respondents were having only one

Table 6: Family Monthly Expenditure


BC MBC SC Total

1 Upto-5,000 20 46 27 93 83.1

2 5,001-10,000 3 8 4 15 13.4

3 10,001-15,000

1 3 0 4 3.5

24 57 31 112 100

No. of Respondent

Total

PercentageFamily

Expenditure(Rs)

S.No

Family SizeFamily size refers to the number of members inthe family of respondents. The family sizes ofrespondents range from 2 to 15 members. Onthe basis of family size it is classified in to threecategories. The Table 7 shows that majority(63.4%) of the respondents were having below

Table 7: Classification of Family Size


BC MBC SC Total

1 5-Feb 18 36 17 71 63.4

2 10-Jun 6 17 14 37 33.1

3 15-Nov 0 4 0 4 3.5

24 57 31 112 100Total

PercentageS.No

No. ofFamily

Members

No. of Respondents

Table 8: Number of Babies of theRespondents


BC MBC SC Total

1 1 Baby 12 22 15 49 43.8

2 2 Babies 10 24 11 45 40.2

3 3 Babies 1 6 4 11 9.8

4More than 3

Babies0 1 1 2 1.8

5 No Baby 1 4 0 5 4.5

24 57 31 112 100

No. of Respondents

Total

No. of BabiesS.No

Percentage

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baby in their family because of those respondentsall babies were first babies, and 40.2% of therespondents were having two babies in theirfamily, and 9.8% of the respondents were havingthree babies in their family, and 4.5% of therespondents were not having any baby in theirfamily due to bad health condition of infant. Theinfants died because of those respondents’babies had heart dieses. An interacting thing hasnoticed that 1.8% of the respondents were havingmore than three babies in their family because ofexpectancy to have a male child. Nearly (20%) ofthe respondents’ undergone family planning,remaining 18% of the respondents were waitingfor the second and third babies.

Acres of LandThe acres of land respondents range from 1 acreto more than three acres. On the land area basis,size of land is classified as 1 acres, 2 acres, 3acres and more than three acres. The details ofacres of land are presented in the below Table 9.

The above table clearly reveals that about39.2% of the respondents were not having theland because of most of the respondents wereearning daily wage in this study area. So thoserespondents were not able to buy the land andmost of the respondents were belonging to the

schedule community and they were without land.Only 8.1% of the respondents were having morethan three acres of land because of therespondents family were living joint family.

Details of Delivery TreatmentTo get the delivery treatment of respondentsrange is SHC to house. On the basis of the gettingthe delivery treatment of respondents is classifiedSHC, PHC, GH, Private Hospital, and House. It isan important role play for apply of MRMBS. Whois getting delivery treatment in governmentinstitution that person only eligible for get fullamount in this scheme.

The below Table 10 shows that about 38.4%of the respondents were getting the deliverytreatment through the private hospital becauseof the respondents first delivery treatment werecare about their parent’s cost and somerespondents were bad health condition so mostof the respondents were taking delivery from theprivate hospitals. And 31.2% of the respondentswere taking delivery treatment from the PrimaryHealth Centre because of the PHC were havingmore health facilities and also the PHC were therenearby the study villages. Remaining 30.4% ofthe respondents were taking delivery treatmentfrom Government hospitals. Some of the

Table 9: Acres of Land of the Respondents


BC MBC SC Total

1 No Land 5 15 24 44 39.2

2 1 acre 7 18 2 27 24.1

3 2 acres 7 11 3 21 18.8

4 3 acres 3 6 2 11 9.8

5More than 3

acres2 7 0 9 8.1

24 57 31 112 100

No. of Respondents

Total

Acres ofLand

S.No

Percentage

Table 10: Details of Delivery Treatment


BC MBC SC Total

1 SHC 0 0 0 0 0

2 PHC 10 13 12 35 31.2

3 GH 1 23 10 34 30.4

4Private

Hospital13 21 9 43 38.4

24 57 31 112 100Total

S.No

PercentageDetails ofDelivery

Treatment

No. of Respondents

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respondents to prefer private hospital parentsdecision. Since the first delivery was care of theirparents.

Satisfaction of Doctors TreatmentThe level satisfaction of doctors’ treatment wasclassified four categories, i.e., highly satisfied,moderately satisfied, just satisfied, and notsatisfied. The details have been collected fromrespondents in the study area.

The above Table 11 clearly shows that around50% (55) of the respondents were moderatelysatisfied with the doctors treatment of the PHClevel, and 27.6% (31) of the respondents werehighly satisfied with the doctors treatment of thePHC level, and only 23.3% (26) of the respondentswere just satisfied with doctors treatment of thePHC level. In this study area majority of therespondents were mostly satisfied with doctorstreatment at the PHC level because of therespondents were using more time basic healthcare facilities.

Reasons to Choose PHC and GHThe reason to choose the government institutionfor getting the delivery treatment are classified agood treatment, good medicine, infrastructure,amount and other reason. The reason to choose

the government institutions presented in thefollowing Table 12.

The Table 12 shows that majority (62%) of therespondents were choosing Government hospitaland PHC for delivery treatment, because for thepurpose good treatment (11), Good Medicine (23),Infrastructure (4), monetary benefit (4) and otherreasons (27). Other reason was thoserespondents went check-up regularly ingovernment institution so those respondents werechoosing the GH and PHC for delivery and 38per cent of the respondents were prefer privatehospital for delivery treatment because, therespondent’s first delivery was care of theirparents. Since the first delivery was under careof their parents. Most of deliveries weresuccessful in government hospital. All the deliveryexcept one or two were successful under theMRMBS.

Table 11: Satisfaction of Doctors Treatment


BC MBC SC Total

1Highly

Satisfied5 20 6 31 27.6

2Moderately

Satisfied11 25 19 55 49.1

3 Just Satisfied 8 12 6 26 23.3

4 Not Satisfied 0 0 0 0 0

24 57 31 112 100

No. of Respondents

Total

Level ofSatisfaction

S.No

Percentage

Table 12: Reasons to Choose PHC and GH


BC MBC SC Total

1Good

Treatment2 8 1 11 9.8

2 Good Medicine 2 11 10 23 20.5

3 Infrastructure 1 3 0 4 3.6

4Monetarybenefit

1 2 1 4 3.6

5 Daily checkup 5 12 10 27 24

6Private

Hospital13 21 9 43 38.5

24 57 31 112 100

No. of Respondents

Total

ReasonsS.No

Percentage

Monetary Benefit of MRMBSThere are eligibility criteria such as age, cell phone,motor vehicle, land and first two babies only foravailing this facility. The detail of amount ofMRMBS of old scheme was Rs. 6,000 and the

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new is Rs. 12,000. It was given to thebeneficiaries’ through bank account number onthe basis of installments.

Table 13 clearly shows that about 24.1% ofthe respondents were getting full amount as pernew MRMBS based on the installment amount ofRs. 12,000 around 21% of the respondentsreceived monetary assistance under fromscheme amount of Rs. 6,000 then 15.1% of therespondents received money under the old andnew scheme with the amount of Rs. 6,000 + Rs.8,000, because the respondents received moneyfor first two babies. Nearly 13% of the respondentsdid not get any amount under the schemebecause of some respondents applied very latefor this scheme and some respondents did notsubmit full documents in correct time. The moneyis distributed on installment basis through bankaccount and previous it was distributed in theform of cheque.

From the above Table 14, it is clearly revealsthat majority (51.8%) of the respondents weregetting the monetary assistances for the first babyonly under the new MRMBS, 24.1% of therespondent were receiving the money for secondbaby only from under the scheme, 20.5% of therespondents were receiving the money fromunder this scheme for the first and second babiesand remaining 3.6% of the respondent did notreceive any amount of money under this schemebecause the respondents were economically welland they did not apply for this scheme.

Way of SettlementThe way of settlement to the beneficiaries hasbeen presented in Table 15. It reveals that majority(67%) of the respondents received the amounton the basis of installments under new MRMBS,because the new scheme is giving the amount inthree installments. The new schemesbeneficiaries were more in this study area. Around21% of the respondent received the money in total.The remaining 12.5% of the respondents did notreceive any money from the both scheme.

Usage of MRMBSThe collected opinions about the usage of

Table 13: Monetary Benefit


BC MBC SC Total

1 6,000 4 11 8 23 20.5

2 6,000+12,000 1 5 2 8 7.1

3 6,000+8,000 2 0 2 4 3.5

4 6,000+4,000 3 2 0 5 4.5

5 12,000 3 14 10 27 24.1

6 12,000+8,000 1 2 0 3 2.7

7 8,000 4 5 2 11 9.9

8 4,000 3 11 3 17 15.2

9 Not Get Money 3 7 4 14 12.5

24 57 31 112 100Total

No. of RespondentsPercentageAmount (Rs)

S.No

Number of BabiesThe MRMBS is giving monetary assistance underthis scheme for first two babies only in the family.It is presented in this following Table 14.

Table 14: Number of Babies for MonetaryBenefit


BC MBC SC Total

1 1st Baby 13 30 15 58 51.8

2 2nd

Baby 2 17 8 27 24.1

3 3rd

Baby 0 0 0 0 0

4 4th Baby 0 0 0 0 0

5 1st and 2

nd

Baby7 9 7 23 20.5

6 Not Apply 2 1 1 4 3.6

24 57 31 112 100Total

PercentageNo. of BabyS.No

No. of Respondents

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yielded good results in increasing the rate ofinstitutional delivery.After implemented theDr.Muthulakshmi Reddy Maternity BenefitScheme the infant mortality rate was low andinstitutional delivery high.The utilization ofgovernment health facilities for pregnancy anddelivery care is high.The aggregate statisticsshow that most of the women received benefitfrom the MRMBS. Overall, this study shows thatmost of the women belongs to higher castegroups and economically sound. They werebenefiting through receiving the money from thisscheme. But this scheme is established onlyfor below poverty line groups of pregnancywomen. The government should takenecessary steps and increase the schemeamount because after the delivery baby’s healthexpenditure will be high.

REFERENCES1. Balasubamanian P and Sundari Ravindran

T K (2012), “Pro-Poor Maternity BenefitSchemes and Rural Women Findings fromTamil Nadu”, Economic and Polit icalWeekly, Vol. XLVII, No. 25, pp. 19-22.

2. Deepa KylasamIyer and Francis Kuriakose(2012), “Impact of Maternal Education onInfant Health”, Kurukshetra, Vol. 60, No. 10,pp. 26-28.

3. Mostata Kamal S M (2012), “MaternalEducation as a Determinant of NeonatalMortality in Bangladesh”, Journal of HealthManagement, Vol. 14, No. 3, pp. 269-281.

4. Parvathy Sunaina (2011), “ComprehensiveHealth Insurance Scheme (CHIS) in KeralaSome Issues of Comprehensiveness andEquity”, ArthaVijnana, Vol. LIII, No. 4,pp. 353-368.

Table 15: Way of Settlement of Amount


BC MBC SC Total

1 In Total 5 10 8 23 20.5

2 Installment 16 40 19 75 67

3 Not Get Money 3 7 4 14 12.5

24 57 31 112 100

No. of Respondents

Total

PercentageGet in

AmountS.No

Table 16: Usage of MRMBS of theRespondents


BC MBC SC Total

1 Useful 11 26 11 48 42.8

2 Very Useful 13 31 20 64 54.2

3 Not Use 0 0 0 0 0

24 57 31 112 100

No. of Respondents

Total

Opinion PercentageS.No

MRMBS from the respondents have beenpresented in Table 16. It clearly reveals thatmajority (54.2%) of the respondents felt veryuseful of this scheme for delivery cost and babiestreatment cost and 42.8% of the respondentsopinioned about this scheme was useful forduring pregnancy time and also after delivery time,because during pregnancy the respondents werenot able to work and earn money, those time thisscheme was very useful for the respondents. Allthe respondents felt that application procedure issimple because they were getting guidance fromvillage health nurse. All the information from givenby VHN to village area.

CONCLUSIONThis scheme amount is very useful for bothhealth expenditure and other expenditure.Thestate government’s initiative in providingfinancial assistance to poor mothers forimproving their maternal health status has

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5. Zakir Husain (2011), “Health of the NationalRural Health Mission”, Economic andPolitical Weekly, Vol. XLVI, No. 4, pp. 53-57.

WEBSITES1. www.answer.ask.com/health/reproductive

2. www.hss.iitm.com.in

3. www.mrmbs.tn.nic.in

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MUTHULAKSHMI REDDY · 2019-05-11 · the socio-economic conditions of beneficiaries of Dr. Muthulakshmi Reddy Maternity Benefit Scheme, ii) to study the health infrastructure, iii)