How ‘Tree Mortgage’ Scheme Can Make Indian Carbon Neutral Global Development

In the hilly region of Wayanad in the southern Indian state of Kerala, people accessing land are counting their trees in the quiet town of Dobad, Mughlaqa, Miangadi.

Shija CG, a 46-year-old farmer, has lived all his life in the coffee, coconut and pepper orchards, but last month he dramatically increased his income by mortgaging 53 trees at a local bank. In return, he received Rs 2,650. (.9 26.96), or Rs. She was one of the first beneficiaries of the state-run scheme.

Here’s a simple incentive with big benefits: Plant a tree, and after three years, residents can mortgage each plant for an interest-free loan that can be renewed annually for 10 years. The money only needs to be paid if the tree is cut down.

Kerala, its massive, spice-rich forest landscape has been plagued by unhealthy farming, deforestation in recent years, which has reduced biodiversity, and the climate crisis has warmed. Summer is made, especially in Wayanad, which used to be comfortably cool.

Farmer suicides, landslides and floods made headlines. Farmers are forced to cut down trees to increase their income. Against this backdrop, the Tree Banking Project, funded by a Rs. 100 million (کروڑ 1.01 million) grant from the state government, is a huge incentive to uproot them.

“Because the temperature is about five degrees higher than normal, I have experienced a 25 per cent decline in the crop. The loan from the Tree Banking Scheme will ease the financial pressure. I will buy fertilizer for my field. ۔

Prolonged drought and unusual rains have put the region at high risk, with shrinking paddy fields and cash crops such as pepper and coffee at risk. According to Kerala State Action Plan on Climate Change, Wayanad is one of the four major climate change hotspots in the state.

But the tree-banking scheme seeks to reverse this loss and turn the city of Miangari, a city of about 35,000 people, into a carbon-neutral region. Carbon Neutral Mining Car Project This is the first of its kind in India, and has changed the way this community lives and works.

A tree has been recorded as part of a tree banking scheme for farmers in the village of Vanad in the southern Indian state of Kerala.



A tree has been recorded as part of a tree banking scheme for farmers in the village of Vanad in the southern Indian state of Kerala. Photographer: Ajit Tommy / Thanal

“An energy audit in 2018 revealed that the minivan had an additional 15,000 tonnes of carbon. We are working on ways to reduce it to zero. Panchayat (Local Government) President, Bina Vijayan. To balance carbon emissions, a complex action plan has been developed.

“We have had more than 500 meetings with farmers on waste management, recycling of plastics, solar lights and panels everywhere, preparation of eco-friendly coffee and use of high efficiency stoves,” says Vijayan.

Encouraging planting is the first step. “This is a model project for the entire Wayanad district. Its roots began three years ago, when we developed a nursery with 33 varieties of plants under the Rural Employment Guarantee Scheme. We planted 300,000 saplings in 250 houses in Minangadi and general areas, ”says Vijayan.

“Now that the trees have matured, we have implemented the Tree Banking Scheme and received about 200 applications which are being processed.”

It was Kerala’s finance minister, TM Thomas Ishaq, who had earlier said in the light of the idea that it would guarantee sustainable income for the farmers of the district and bring about a massive improvement in the economic environment.

“Wanad has the lowest per capita income in the state of Kerala, so it aims to double the income of farmers in the region without excessive industrial development,” says Gina Kumar C, an environmental organization implementing the project. ۔ ” He added that trees bring extra income to residents through the sale of fruits and other products.

A tree is labeled in Wayanad, Kerala. Photography is done on the surveillance system of all mature trees.



A tree is labeled in Wayanad, Kerala. All mature trees are photographed on a surveillance system. Photographer: Ajit Tommy / Thanal

In the valleys around his red-roofed cottage is a wooden tree flag that Shija has pledged white tags hanging from its branches. Trees are monitored through an app.

“We go to the farm with a team of volunteers to survey, photograph and map the mature trees,” said Ajit Tommy, project coordinator. We will implement this plan in 23 others Panchayats By 2021 in Wayanad. We plan to plant 10 million trees in the next few years.

For Smith Vallikoli, the loan has arrived just in time, as his brother’s medical expenses are rising. “It’s been very helpful. I will plant more trees next year and have more mortgages,” she says.

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