November 2009 journey blog

Follow a group of senior leaders from some of the world’s top private, public and civil society organisations (including Credit Suisse, Swedbank, BonnVentures & the Esmee Fairbairn Foundation) in Europe, the US and China as they meet some of India’s most inspiring social entrepreneurs in Kolkata and Hyderabad.
Journeys for Change - Alice Chou on Shaheen, bringing Muslim and Hindu women to empower themselves

India is home to thousands of organizations working for the rights of women. However, Shaheen Women's Resource and Welfare Center exists in a unique space, at the intersection of the empowerment of women and religious coexistence. Shaheen empowers Muslim and Hindu women to fight domestic abuse, trafficking, and exploitation - and in doing so, bridges an inter-cultural gap blown open during the '92 riots which has not yet healed.
With a multi-faceted career in both China and the US, Alice Chou has experience bridging cultural gaps as well. One of her many initiatives, the L2 Foundation, seeks to develop the leadership and legacy of Asian Americans by providing support and resources. She and her family also established Junior Achievement China, teaching a culture of leadership, entrepreneurship, and creativity to over a million students since 2001.
In the wake of Babri Masjid
Our driver took us into the busy Old City area in Hyderabad where the beautiful monument Charminar has been standing for some 400 years to tell of the history and the glory of this city. Passing by the Charminar, it felt like crossing a sea of a million people--pedestrians weaving through traffic; shoppers haggling over their buys; hawkers, food vendors and shop-keepers going about their businesses amidst hundreds of cars, auto rickshaws and motorcycles in nonstop traffic, noise and dust filled air. This extremely congested area has a high concentration of Muslims and a mix of Hindus. It has been prone to tension and communal riots over the last several decades, the worst of which occurred in 1992 after the Babri Masjid (Mosque) was torn down during a political rally in Ayodhya. Over two thousand people were killed across the country in the riots that followed, including in Hyderabad’s Old City.
Jameela, a Muslim woman and a poet, was deeply affected by the events of 1992, which destroyed any previous relationships between the Muslims and Hindus. She noticed that women from the two populations did not even make eye contact anymore. And within her own community, Jameela was disturbed by incidents where Muslim women were publically denounced when they tried to claim their rights in the face of injustice.
There was a resoluteness in Jameela’s soft spoken voice as she shared her realization that being a poet was not enough. She wanted to devote her life to giving a space and voice to marginalized women through poetry and social action.
Shaheen– empowering all women
In 2002, Jameela, with a few of her Muslim women friends, started Shaheen (named after a high flying bird), a women’s center. They believed that Muslim and Hindu women could work together towards the goal of individual empowerment. Shaheen works primarily with women from both religions who have suffered domestic violence, forced marriages or sexual trafficking to help them gain dignity and become self-reliant.
We stopped in front of a house with a big sign written in front: Shaheen Women Resource and Welfare Association. As we walked into the charming small courtyard, we were greeted warmly by smiling faces of women who took us up a flight of stairs onto a spacious flat roof. We all sat on pillows on the floor under a large canopy enjoying the gentle breeze. Women of all ages began to gather and sat down around us. Surrounded by the beautiful faces of these women, in the quietness of the afternoon shade, the place felt like a sanctuary.
Fighting for victims of exploitation
Indeed, Shaheen is a sanctuary for about 150 victimized and exploited women. These women are encouraged to come together and talk about their lives, which are often overshadowed by violence and oppression. The center also provides shelter, training and jobs to the women and raises awareness within the community on women’s issues. Field workers, most of whom are recovered victims of some kind of abuse, have made a thousand house visits where they uncovered incidents of domestic abuse in a third of these households. They also discovered that girls as young as twelve from families in extreme poverty were sold into sex trade for as little as 1000-3000 rupees (equivalent to US$ 20-60). Other women were often lured into prostitution under the guise of offers for jobs at beauty parlors. They were then trafficked all over India and the Middle East. Trafficking and human slavery is a global industry estimated to gross an excess of US$ 32 billion annually. Shaheen has found that clients are men ranging from 45 to 90 years old who are exploiting women through prostitution under the religious hypocrisy of a one-night “marriage.”
In the past 8 years, Shaheen has been able to gain media and grassroot support, including the silent support of many men within the community. Shaheen workers continue to stand against a corrupt justice system and to work to remove the stigma and fear injected into trafficked women. They are searching for senior officials to serve as their advocates and hope to expand their service to the villages. As I sat and listened to the aspirations of these brave women in Shaheen’s care, I was deeply touched and inspired by their courage and resiliency. I admired the determination, fearlessness and compassion of Jameela, her friends and the field workers of Shaheen who have given their lives to empowering marginalized women.
Questions/Thoughts from my visit to India's social enterprises:
• Is there merit for a conventional for-profit model in effecting change or are we proposing that all enterprises should inherently possess a socially beneficial component because it’s a more superior model for change?
• Social enterprises although addressing a social problem or empowering a marginalized sector, can sometimes come across as more of a transactional business relationship rather than a caring, giving one compared to the non-profit model? Could this diminish or downplay the ideal/value of philanthropy and compassion?
• Most of the social enterprises we visited either work predominantly with women or had women in leadership. Is this an accurate representation of the social market sector? What is the message this sector is sending? Are men being left behind? How are they contributing to the problems women are facing? Is addressing the issues concerning men encouraged or discouraged?
• Change takes time. It comes in minuscule steps and systemic change sometimes may not occur until generations later. And, some social issues are not “attractive” such as helping mentally ill people whom society discarded as burden or unproductive, or working for woman’s right against a certain religious sect/ teaching. How can these factors be added or taken into consideration when organizations think about how to allocate funding?
Journeys for Change Podcast - Breakfast with Vijay Mahajan
Vijay Mahajan is one of India's most accomplished and respected leading social entrepreneurs. In 1983, he founded PRADAN, one of the first organizations in India to mobilize self-help groups within rural populations. Since then, he has dedicated his career to fostering livelihood creation for people living in rural poverty. He's now chairman of BASIX, a group of seven companies that provide unserved rural communities with access not only to microcredit, but also a comprehensive set of services ranging from insurance and agricultural business development to technical training.
The Journeys for Change group had the opportunity to talk to Vijay in Hyderabad, getting his insight on everything from the unromantic realities of social enterprise to his belief that everything we do must be driven by passion in order to be effective.
This is a segment of that conversation.
Journeys for Change - Lori Bonn on Jeevika, enabling women of rural communities to strengthen their rights
As an organization, Jeevika is a platform through which women living in rural poverty can utilize their collective power to strengthen their rights. Since its inception, Jeevika's constituency has molded and shaped this platform to include access to microcredit, livelihood creation, and arts-based empowerment. Lori Bonn, founder of Bonnventures , gives insight into Jeevika's evolution, ultimately concluding that not all initiatives need to scale to be effective.
Meeting Jeevika
Imagine the never ending sounds of honking, beeping and bell ringing of chaotic traffic, buses, taxis, rickshaws, bicycles hurling themselves around every corner and through the masses of people and dogs and sacred cows navigating their way across and down alley ways, this is Kolkata. The air is thick with smog and the smell of a pulsating city, a duality of the old and new India. The best time to walk the city is early morning to see fathers walking their children to school, women in saris with beautiful hues of pinks, greens, oranges and yellows, men getting shaves at open air barbershop corners, food stalls of vegetables, lassi “the favorite yogurt drink of India”, stands of peeled and cubed papayas, shop keepers setting up their wares while the poorest of the poor bathe in the city water cisterns.
On our second day, we climbed aboard our mini bus and headed about an hour south of Kolkata proper, arriving at the offices of Jeevika Development Society, a community based NGO committed to working towards increasing the rights of women in West Bengal, India. Jeevika means “livelihood” in Sanskrit. We were introduced to the Founder, Raja Menon and Donlon Ganguly, Associate Director of the organization and the staff of all women who proudly described their roles in the organization. For over a decade, Jeevika has been working with communities of marginalized women throughout 37 villages and empowering the lives of over 5000 women living in the mostly rural agricultural population.
We sipped our tea and crackers, and listened to an impassioned Raja give his view about the shortcomings of microfinance alone and its lack of ability to lift women out of poverty. He used the metaphor of a woman treading water and just keeping her head just above the water line, still alive, kicking but going nowhere. Jeevika was founded as a grassroots women’s rights NGO, approaching microfinance through a gender and empowerment lens with the goal to establish a sustainable and women-run banking system that achieves both social and economic empowerment. The Jeevika microfinance model is unique in that credit systems are used specifically as a platform to discuss all issues affecting the lives of the women in the rural villages. Everything from domestic violence and rape to labor market discrimination and participation in the local rural self-governing circles called panchayats. In 2008, with Jeevika’s help, Swayamsampurna, a federation of over 400 women’s self-help groups (WSHGs) was formed as a financial institution run by rural women to provide micro-loans for launching small businesses.
Not a microfinance institution
It is clear that Jeevika is taking a stand to focus first on the rights of women and choosing the microfinance schemes as a secondary mission. Jeevika is not a microfinance institution which makes it difficult for them to get funding for their projects, and yet they are pushing forward with their mission as an NGO promoting livelihood opportunities by collaborating with other organizations to provide trainings for their Income Generation Programs (IGPS) which have focused on embroidery, tailoring, and soft toys catering to fair trade organizations. Also, they have embarked on computer and entrepreneurial skills training in the hopes of creating new computer-based businesses for the women in the villages. Jeevika’s most recent initiative has been around an agricultural IGP called System of Rice Intensification (SRI) agriculture that utilizes environmental green practices and enables economic self-sufficiency and food security for the rural community.
I have always been concerned with the teetering balance of microfinance institutions to lend money while relying on other NGOs to provide the financial literacy and business training to women entrepreneurs. Jeevika has a framework with extensive possibilities requiring more strategic guidance on how to navigate the marriage of microfinance with empowerment trainings in gender equality rights and access to entrepreneurial skills, training, and credit at the same time. They are trying to innovate the platform with an emphasis on the social rate of return outcome not the market rate of return of microfinance.
Visiting the front lines of microfinance
We were given the opportunity to visit one of the rural villages and participate in a local village micro-credit self-help group meeting with Swayamsampurna Board Members. Our transportation was an adventuresome ride in an open air motorized rickshaw, giving us an up close view of the harrowing traffic on the main road, but an intimate view of life in the village as we rode down the cobbled narrow roads. The vignettes of life revealed a community of religious diversity, living on a river of verdant green because the agricultural land does not have proper irrigation the result is still water in many places along the banks of the village. We saw school children in uniforms and kids of school age playing in the streets or washing clothes or bathing in the river and ponds. It was a relief to be out of the big city and to enjoy the rhythm of the village.
Arriving at one of the houses, we were greeted by the Chairman of the Board of Directors. Removing our shoes, we sat outside on the porch, joining the association of this local self-help group of approximately 15 women. Graciously, they allowed us to watch as they discussed issues in the village while paying back their loans to the designated treasurer. She kept a handwritten log and collected each individual’s stack of bills. In the midst of this, we listened and learned while the women shared their stories of what they hope to achieve with their loans and the power of their unity as a group. We asked questions regarding their husband’s feelings about their loans and businesses, bill paying in the family and how money was spent and whether they felt their lives were better since joining the self help organization. Our questions helped to break the ice, particularly when we said we had the same issues with our husbands in talking about money and work. Unanimously, they all agreed the most important reason for joining was to be with the other women and share their stories and lives with one another. The ladies of the club felt their decision making power had increased within their family, community and most importantly over their own lives through the empowerment methods provided by Jeevika. The same gender issues the women face in the rural village are the same for women globally, the fight for gender equity and a voice.
Whether Jeevika has the means to scale the program based on their strategic mission is of some concern but the outcome we shared gives credence to the notion that not everything needs to scale to be effective. The best part of this day’s journey was to experience and share in the global exchange of conversation and ideas in this rural village and the women who so graciously allowed us to join their circle.
Journeys for Change - Natalie Chou on Intellecap
Intellecap is a social-sector advisory firm serving corporates, non-profits, development agencies, and governments working in developing markets. The company facilitates investments, provides consulting services, and builds knowledge and information focused on scalable and sustainable development initiatives, both in India and globally.
Journey participant Natalie Chou has spent much of her career exploring the intersection of the private, public, and social sectors. A young professional who has worked within finance in New York and is now starting her own enterprise in Beijing, Natalie has also been very involved in establishing the non-profit Junior Achievement China. As she describes in this post, Intellecap's work and impact provides key insight into the realm of social enterprise.
At the intersection of sustainability, profitability and social responsibility
After all of the Calcutta site visits, Hyderabad was a chance to pull back to 30,000 ft (or 91,400 m). I started thinking about the bigger questions I arrived with around social enterprises in particular, so I was looking forward to the visit with Intellecap, a social sector advisory firm. Given my interest in strategy and business development on top of that, I was very curious about the Intellecap story and model.
Intellecap occupies what seems to me an uneasy but potentially incredible space between what is traditionally considered private sector and public, or social, sector: a hybrid business. The company’s primary mission is to help social enterprises mainstream while being sustainable itself. Like the Acumen Fund, Intellecap works with enterprises reaching the poor and underserved in areas of demand but no or substandard service while also achieving the trifecta of sustainability, profitability and social responsibility.
The Intellecap model
The model has clearly met success. What started as a bootstrapping operation of 2 has grown to a practice of 60 professionals in 3 offices and project forays into Africa. There are now three major divisions: Advisory Services (consulting and investment banking), Sector Building and Incubation. “Inter-related solutions to address all strategic & functional needs” being the sandwich, Sector Building work in publications and research was described to us as the bread of the practice, consulting the butter and investment banking a pure chocolate spread. Incubation sounded like a relatively new and opportunistic area, but nonetheless was an impressive and ambitious added goal. A microfinance-in-a-box project called Intellecash is currently in the works. Intellecap also provides some tech solution development to its clients.
Overall, I feel Intellecap did well articulating its role in the ever-expanding social enterprise ecosystem. However, I wish we were able to delve more into the minutiae of its strategy and banking work as I have some reservations there. As they say, the devil is often in the details. That said, I hope Intellecap’s success is evidence of a movement towards companies adopting more blended approaches.
Moving forward
I left inspired by what I could transfer to my current context – China – but with many questions still on the social enterprise space, questions that may be equally reflective of the sector’s nascent but exciting and formative stage. While it would be convenient to believe the market and its dynamics are a panacea to the world’s problems (or the opposite), we need more people who are willing to step into the gray and grapple with the push-pull of profit and principle. The level of vigilant introspection but also rapid adaptation required to maintain balance in a social enterprise constantly impresses me. I look forward to seeing more of this dialogue in action as we work, sometimes in faction and other times collaboration, towards a better world.
Journeys for Change snapshots
Journeys for Change - Nicola Pollock on Kolkata Sanved, "saving lives through dance"
Victims of human trafficking often suffer severe physical and mental trauma. Many are forced into prostitution, and as a coping mechanism, mentally separate themselves their bodies. In 2004, Ashoka Fellow Sohini Chakraborty founded Kolkata Sanved (www.kolkatasanved.org), an organization that has pioneered the concept of dance-based therapy as a viable means of counseling, rehabilitation,and empowerment. The organization now runs programs for patients living in mental institutions, homeless children, children suffering from HIV/AIDS, and other victims of violence and abuse. In this post, Nicola Pollock, Journey participant and Director of Grant Making at Esmee Fairbairn Foundation (www.esmeefairbairn.org.uk), reflects on her visit to Kolkata Sanved and how the organization can move forward, sustainably achieving its mission.
Body movement as a tool for rehabilitation
I am not a dancer, so I approached this visit with mixed emotions. On the one hand, I was keen to explore the power of dance-based therapy, of which I knew so little. On the other, I was terrified that I’d be made to dance.
We met Sohini Chakraborty, the inspirational founder of Kolkata Sanved, along with some of her founding colleagues. We were also introduced to several young women who have gone through the programme as participants and are now Kolkata Sanved trainers themselves. In a nutshell, Sohini has combined her expertise as a dancer with her passion to work with victims of trafficking and sexual abuse. In doing so, she created a new dance therapy movement in South Asia, using body movement as a tool for rehabilitation and empowerment. Many victims of violence and trafficking cut themselves off and become withdrawn; participating in dance can enable them to express themselves, to reclaim their bodies as their own. We were privileged to experience this first hand – we watched and then participated in a dance workshop, getting a moving glimpse of the transformational process.
In this warm and positive environment, we heard some traumatic stories from the women and girls who had been through the programme, from living in red light areas to abduction, violence and unwanted pregnancies - many of them either have no families or have been abandoned by them, the ultimate betrayal. And talking to them I was surprised and shocked by the widespread and systematic nature of trafficking and how embedded it is. But the women and girls we met were strong, a real life illustration of the power of the programme – while the trauma must still run deep, they have positive plans for their futures. Two are soon to be married and the confidence of the younger ones was remarkable.
Impact and growth so far
I was especially impressed by how Kolkata Sanved demonstrates their values through their work – the belief that women can become stronger as a result of their experience and dance is reflected in the fact that all the trainers are women who have been through the programme. They are now employed and run classes for other women and outside agencies, providing both meaningful work and status. Thus the transformation and empowerment created by dance is internalised in and strengthens the organisation’s culture and activities in a meaningful way. While not everyone they work with will become a dancer, the therapeutic process enables all participants to grow in confidence and move on. They were all amazingly welcoming and the warmth, smiles and hugs when we left will linger in my memory long after the detail of the visit has faded.
There was many positives here – not just the number of individuals they have reached, but in their ambition to go beyond simply running workshops, however powerful they may be. They have extended dance therapy to other disadvantaged groups such as people with mental health problems, work with 30 partner organisations in India, Bangladesh and Nepal and are in the process of codifying what they do through a curriculum which will lead to an accredited qualification for the trainers. They also work in two mainstream schools. They have just moved to pleasant new premises which are so much better than those of many NGOs have in Calcutta and can accommodate a growing team. All this makes sense and fits with their mission.
So, they have done well to develop their model, and early philanthropic funding also enabled them undertake some evaluation. They have a systematic approach to working with partners which bodes well for the wider replication of the programme. They also generate income from some activities. Strong leadership and the integration of survivors in the organisation makes them extra special. They now seem to have come through the first phase of development and the time is ripe to consolidate their experience and embark on the next phase of their development, with a strategy and funding model which will enable them to fulfill their aspirations.
At a strategic crossroads
These are exciting times for Kolkata Sanved, who are at a crossroads in their development – should they carry on organically or should they take stock and plan more strategically?
The power of our visit was in the experience of the programme and meeting with the women, and we did not have enough time to discuss their plans in detail – from snatches of conversation they were aware of the need to think carefully at this time, and have some ideas going forward. So some of my reflections below may well be already in hand – but I offer them as they are common to many NGOs, particularly in India where funding can be complicated and hard to come by.
The need for sustainability, income generation, and communication
Having developed the product, their key challenge is long term sustainability. They require funds, but this service will always need grants or cross-subsidy from other activities. Going forward, they need to think about a fundraising plan targeting a range of philanthropic sources - from foundation-type support to individual donors. Is it possible to build an individual donor base among women who are interested in dance and/or trafficking and other women’s issues (for example, building on their relationships in South Asia and links with the American Dance Association)? Would it be feasible to implement this both technically and in getting the numbers they would need? Can they work with partners to leverage this?
On income generation, they already earn funds from consultancy, from mainstream schools and through partners, and the work on the curriculum may have potential; they could drill down into how they can maximise each of these, identify other options and develop financial projections. There may also be scope for more international work, though doing this will require careful scoping and a critique of their niche in relation to other practice.
Last but not least, some serious work to understand and communicate their impact will be crucial in ‘telling their story’ and so increasing their chances of raising funds, as well as enhancing their profile and securing new partners. However, this work is not susceptible to easy metric measurement - which makes it even more important for them to develop their marketing, website and so on to help with the brand and message.
Kolkata Sanved is still relatively small and much rests on the shoulders of the founding team, and developing a strategic plan is a lot to take on while continuing to run a busy project. Some external help from could provide capacity, perspective, facilitate their own thinking and add expertise to the process, and make it happen – though it would have to be right person or organisation. A sympathetic funder may be willing to support this.
Moving forward
So, the ingredients are here – inspirational leadership and vision, the programme and ambition - but they need to think through their long term options, articulate more clearly where the real potential for earning income lies and consider the balance between this and continuing to provide their direct services. This may involve some tough decisions. But they are justly proud of what they have achieved. Their impact enables them to convince even more people of the truth of Sohini’s belief that everyone is a dancer, and that as dancers, we are all capable of self-transformation.

Journeys for Change Podcast - VisionSpring
While in Hyderabad, Journeys for Change connected with VisionSpring. This organization provides inexpensive eyeglasses to people who would not otherwise be able to afford any. VisionSpring empowers local entrepreneurs to run one-day vision campaigns in villages throughout the state, providing free eye tests and selling eyeglasses for 175 Rupees a pair (the equivalent of three US dollars). For many Vision Entrepreneurs, it's an opportunity to not only provide a critical service, but also to earn a livelihood. During this podcast, you'll hear three UK-based social entrepreneurs discuss their experience at a vision campaign in a local village. Luke Walsh designs software for colorblind people, his colorblind simulator Huetility is now available for the iPhone. Amy Barbor and Rose McCausland run Living Lens, an organization that empowers marginalized groups through video. The three explore VisionSpring's unique distribution model and discuss the potential advantages of expanding services beyond eyecare.
Journeys for Change - Rose McCausland on VisionSpring, providing affordable eye care for those who can't afford it
To many people living in rural poverty, eye care is a luxury that they can't afford. VisonSpring's mission is simple - provide inexpensive, high-quality eyeglasses to villagers who otherwise would experience life without seeing clearly. To achieve this, the organization trains a corps of villagers as "Vision Entrepreneurs"; these people run vision screening camps and sell eyeglasses at affordable prices, and in the process earn themselves steady income. Rose McCausland of Living Lens discusses her experience at an eye camp and raises the question, "why can't single women be Vision Entrepreneurs?"
Making eyeglasses affordable
I’d never considered the impact of far-sightedness on people who are unable to afford glasses. To me, non-prescriptive glasses are something that are readily available and most people I know over the age of 45 whips out a pair whenever they pick up a newspaper. For people living in poverty, this common accessory is out of reach, and the impact on their lives can be frustrating at best and devastating at worst – farmers struggle to detect bugs on crops and cannot read the small print on pesticides, women who rely on threading a needle and delicate embroidery for their livelihoods lose their means of income. VisionSpring has come up with an answer – access to affordable reading glasses. The idea is so simple and so effective that, like all good ideas, I couldn’t believe it hadn’t been around for decades, but VisionSpring only launched its project in 2001.
What I found really compelling about what VisionSpring is that they enable those with the most experience in their communities to keep contributing and being active. I couldn’t wait to see the project in action.
The Eye Camp model
We drove out of Hyderabad to a rural village where VisionSpring had set up a community Eye Camp. A team of local "Vision Entrepreneurs" trained by VisionSpring were testing local people’s eyes and fitting them with glasses. We entered a small hall in the centre of village and found a well-organised system in place. There was a buzz in the room; I felt excited knowing that each villager who entered would leave with a pair of glasses and a new future. Each villager visited work stations around the room that took them through two eye tests, a fitting to assess the strength of lens needed, choosing their preferred style of glasses and finally payment – US$3 a pair, which can be paid back in installments. I watched an elderly woman take the glasses and focus on the palm of her hand, seemingly fascinated by the detail and clarity that she could now enjoy.
The model for VisionSpring is simple. Local people are trained as Vision Entrepreneurs. Equipped with VisionSpring rucksacks, they run mobile Eye Camps in rural villages throughout the state of Andhra Pradesh. They take the details of each villager tested; these details are then sent to the regional office, where the information is entered into a database. Villages are visited every six months. In providing these villages the necessary service of affordable eye care, Vision Entrepreneurs earn a steady income for themselves.
"Chronic single female" condition - a missed opportunity
We asked the team about the selection process for Vision Entrepreneurs. It was surprising to me that unmarried women weren’t considered for the job. It was explained that they may marry and move to another district, so it doesn’t make sense to invest in them. Myself and a few other women in the group felt that this was a missed opportunity and it raised some discussion. Interestingly, it turns out that micro-finance schemes work along the same lines, seeing married women as less risky, more reliable and responsible and therefore a better choice for investment. There is however an exception to the rule, this is… wait for it… the ‘chronic single female’! Wow, I didn’t know such a term existed! I immediately started to consider my credentials, wondering if, as a 38 year single woman, I’d fall into this category?
While I recognise that business involves assessing and managing risk, I wonder if companies and organisations are missing an opportunity to transform the belief that single women represent greater risk than their married counter-parts. In my experience, single women can make enormous contributions to their community, having the time, energy and focus that is not always available to married women. Should single women have to wait for their condition to become chronic before they’re given opportunities to prove their worth?

Journeys for Change - Biplab Das on SKS Microfinance
SKS Microfinance's mission is to eradicate poverty by providing a comprehensive range of financial services to the poor - including life and health insurance. Journeys for Change visited a microcredit meeting in a village near Hyderabad, run by SKS-trained community members. The microentrepreneurs had gathered to make their regular loan repayments.
Biplab Das is a Director of Credit Suisse at its head office in Zurich, where he focuses on development and worldwide distribution of sustainable investment products. He writes this post not only as an expert in the world of microfinance, but also as an expatriate experiencing his native country in a new light.
Mr. Mogulaiah’s Branch – a slice of SKS Microfinance
About half of the road from the busy hamlet of Sadashivpet to the village of Yellaram (population ca. 6,000) is paved. The rest, as you make a sharp right turn, reveals the true nature of the land: semi arid, bit reddish, and coarse sand all over.
Aside from few patches of vegetables grown intermittently, the main crop appears to be cotton – small, somewhat scrawny plants decked with their open buds: a light snowfall in late November? – a fleeting thought ran through head. But the sheer absence of any cloud in the blue yonder, bright sunshine over our shoulders, and the truly agreeable temperature at this time of the year, brought us back to the realities of southern India.
By the time our air-conditioned vehicles reach the village square, some 30 or so women, most in their working clothes, have already assembled under the giant neem-tree by the schoolhouse. Sitting cross-legged on the bare earth, they have formed a human ring in a manner that enables eye contact between any of the gatherers. Few members of the opposite sex huddle by the tiny kiosk – a rural replica of the holes-in-the-wall in most of the cities in India.
The ring, though, is incomplete: broken up at one end by a few clean mats – a makeshift provision for the fifteen foreign intruders on a journey to experience Social Entrepreneurship in India, plus Mr. V. Ramesh – the SKS Field Officer, as well as our charming hostess from the head office in Hyderabad, and our seasoned Branch Manager, Mr. B. Mogulaiah, appearing just for the occasion.
The rituals of micro-entrepreneurs
The session starts with a chorus of the SKS pledge by all participants – the naturally sharp edges of Telegu words seemed to have worn out by repeated recital of the same “mantra” week after week. Suddenly, on a single cue from Mr. Ramesh, one by one they approach the mat to deposit their weekly payments, and no sooner than he finishes counting the much used, rather tired-looking banknotes, return back to their spot in the ring.
These women, as we all know by now, are the so-called micro-entrepreneurs, on whom the whole world has pitched its hope of alleviating poverty in the Third World. A small loan – not exceeding Rs. 11,000 (ca. £15) at SKS, allows them to buy two more cows, stock up their small kiosks, or buy more seeds for creating more illusions in those cotton fields.
Once the repayment is completed and the money tallied, Mr. Ramesh – clearly, our man of the hour – carries on with the disbursement of new loans, acceptance of new loan applications, and announcement of loans approved for disbursement next week.
The ease and glitch-free smoothness of the entire process is in stark contrast to the ever-prevalent chaos of any main-stream bank in India, or even in countries like Italy. The women – each individual, and their respective group leaders, appear to have done all the homework they needed to complete before joining this gathering. The meeting ends with the chattering, once again, of the SKS pledge, and most women rush back to their daily chores.
Backend operations
Back in the Branch, we get tea and biscuits, and hear more about SKS, while all the Field Officers – Rajasekhar, Brahmanand, Nagaian, Kashiram, Chiranjeevi, Anjaiah – seven in all, including our Ramesh, return from the field: each of them responsible for 20 or so centers, which translate to four such meetings each morning, five days a week. The rest of their daylight hours is taken up by various chores – training new recruits, data entry, record management, cash management, and planning for growing the business. No fancy Main Street branch, yet, the office – a converted three-bedroom apartment, is clean, files stacked neatly on few shelves, ample number of desks and chairs, a sole computer taking up half the space of one such desk. One of the rooms, with a double-bed, is reserved for visiting SKS personnel – field auditors and such.
With only ten-odd field officers and their trainees, 4,362 clients overall, and an outstanding loan portfolio of Rs. 2.9 crores, Mr. Mogulaiah’s Branch in the district of Medak in Andra Pradesh, the cradle of microfinance in India, is indeed a very small slice of SKS Microfinance.

Journeys for Change - Luke Walsh on Future Hope, the boarding school for railway children
An introduction to India
The Journey for Change is about gaining a deeper understanding and appreciation for the socially beneficial work which goes on around the world, and then taking this knowledge back into the organisation and community you represent. This was reiterated in our introductory meeting the day after arriving in Calcutta, where we stayed in an elegant hotel. The tranquil surroundings of the hotel were in stark contrast to the streets of Calcutta; a colourful mix of car horns, selling and pedestrians. The pedestrians are a cross section of society, as I walk down the street the only white man, I am approached by a number of beggars.
"No thank you."
In my head I start to rationalize my frustrated response, if I give money to one of these beggars then i will be surrounded by 50, and that wont help anyone. Yet I'm here in India to witness the efforts of some incredible individuals who have transformed the lives of a great many people such as these.
Transformative education
The next morning 08:30 I am at a school assembly. 200 children singing in assembly is not unusual in most countries of the world, the song choice 'Blowing in the Wind' by Bob Dylan may be slightly more so. However, it is the fact that every child was found destitute on the city's streets and bought into a unconditionally loving environment that makes this school and home called Future Hope so special. The children ranging from around 4-16 all smiles and keen to lock gazes and shake hands with us foreigners.
"Saturday we will be holding a session to discuss your CVs," announces the headmaster, I can't help but think that their education may be better than mine. This thought crosses my mind twice more as we are guided around the school, the lessons all in English are tackling difficult Maths problems or grammar and we are told that 8 members of the Indian National Rugby Team are from the school.
The Journey for Change is also about a personal transformation; each of the inspirational founders and workers we have met first underwent a personal transformation which motivated them to make a great change in society.
We meet the school's director, who oversees looking after of all the children who stay at Future Hope. He tells us the story of his transformation: formerly an MIT graduate with a high flying job, he one day decided to quit his job and move to Kolkata to work for Future Hope. The catalyst for his transformation was a book by William Darlrymple called 'Nine Lives', the book he says, is about India and transformation and was instrumental in giving voice to his inner convictions. He initially signed up for 12 months work, a 12 month contract turned into 2 years and now he has decided to stay their indefinitely. The call of corporate America remains unanswered.
The story of Future Hope
The founder, Tim Grandage has a similar story: Tim worked for a large multinational bank in Calcutta, like me when he walked the streets he was constantly confronted with beggars and homeless children, and likely found himself rationalizing his ambivalence towards them. Walking to work in the rain one day Tim got his new shoes wet in a puddle, on arriving in the bank he felt agitated by the rain, damp feet and ruined shoes. He then looked out the window and saw the street kids playing in the rain barefoot, content with their lot in life, resilient but with no opportunities, this really struck a nerve with Tim. The next time he walked the street he took some of the street kids home with him, fed them and started to teach them. Today Future Hope has taken on 200 kids living in poverty and there are plans to cater for 500.
The steps taken by Tim, the director and all the staff at Future Hope represent a huge outpouring of unconditional love to these homeless children. Some will runaway from the school and go back to their fiercely independent but difficult lives on the street. When they return, sometimes 10 years later, they are happily welcomed back into the fold. As the children turn to adults, Future Hope does not leave them to fend for themselves, it provides them with accommodation and opportunities they need to stand on their own two feet. Future Hope can even provide a home for ex-students who are now married. Many former students have degrees and high flying careers: all have been given great opportunity and have taken full advantage of it.
Such unconditional love towards the students must at times be very large burden for the staff to bear, but the rewards are greater. "Why didn't you leave after 12 months?" a colleague asks the director. The answer - "How could I leave my own kids here?"
Journeys for Change Podcast - Rose McCausland on Kolkata Sanved (segment)
Download now or listen on posterous
Rose_Interview_Sanved_clip.mp3 (4127 KB)
Journey participants Rose McCausland and Amy Barbor are two UK-based social entrepreneurs. Together they founded and run Living Lens, an organization that empowers groups to use video as a platform for creating change.
As part of this Journey, Rose visited Kolkata Sanved, an organization pioneering the field of dance-based therapy for victims of trafficking and prostitution. During the visit, ideas around a potential partnership between Sanved and Living Lens began to take shape. In this interview segment, Rose discusses the power of potential collaboration. 6 minutes.
To listen to the full interview, visit http://journeysforchange.podbean.com/2009/11/26/jfc-podcast-rose-mccausland-on-kolkata-sanved-full-interview/
Journeys for Change Podcast - Future Hope
Biplab Das of Credit Suisse, Luke Walsh of Huetility, and Lori Bonn of BonnVentures reflect on a project visit to Future Hope, a boarding school in Kolkata that provides top-tier education to children living in poverty. Seven minutes.
- Biplab sketches the story behind social entrepreneur Tim Grandage creating Future Hope
- Luke talks about acting on impulses to help people by developing processes
- Lori discusses partnerships with the private sector and programming for both boys and girls
Amy Barbor on Anjali - "Alleviating trauma, developing creativity"
In Kolkata, Journeys for Change visited social entrepreneur and Ashoka Fellow Ratnaboli Ray. Ratnaboli is the founder of Anjali, an organization dedicated to comprehensively improving the lives of people suffering from mental illness. In this post, Amy Barbor, Journey participant and director of Living Lens, shares her powerful experience of visiting an Anjali program in a state-run mental institution. More photos from the Anjali site visit can be found on our flickr page.
Anjali in state-run mental institutions
I visited Anjali on the second day of this trip, so everything is still feeling very new and exciting. After a brief introduction by the founder, Ratnaboli Ray, we were split into groups to visit the hospitals where they work. Anjali work in partnership with the Indian Government to improve the conditions of patients in the mental hospitals of Kolkata and working towards reintegrating patients into their communities where possible. The hospital I visited was Lumbini, a government hospital for both men and women with psychosocial disabilities housed in a residential building in Kolkata. We were told that the patients who attend the Anjali workshops in the hospital were expecting us and looking forward to our visit.
What we saw when we entered the building was shocking beyond anything I had ever seen before. The men’s ward consisted of beds side by side with little or no gaps in between them. The plastic mattresses had no sheets and some were torn with the foam coming out. We didn’t go into the women’s ward, but from what I could see the conditions were not much better. The room where Anjali hold their workshops is part dining hall, part open space and part dump for old beds and mattresses that were decaying and gathering dust and rubbish. However, there were cleans mats laid out in the open space for us and the Anjali participants to sit on. We joined their circle and before long the images of the wards and the state of the hospital vanished as were serenaded with beautiful poetry, song and dance. Poems about freedom and about the homes that they no longer see. Each person had a different talent to show us. Some of the people who presented to us seemed, to me, like they would be capable of living in the community with some support, but instead they were imprisoned in this under funded and under equipped hospital. As we left one women ran up to us with her food tray in hand, she said something in Bengali and I asked the worker to translate, she had said: “ I want to go home”.
Working with the government for systemic change
I was particularly impressed with Ratnaboli Ray’s decision to work in partnership with the Government in order to make lasting changes that would continue to be implemented and developed. Anjali’s work goes beyond the hospitals. As well as advocacy within the government, their work is now being lead by women in communities who having undergone intensive training through Anjali. These women are leading the campaign to bring awareness to the issue and informing on how people with psychosocial disabilities do not necessarily need to be kept in mental health hospitals but with the right support and treatment can remain in or return to their homes and their own communities.
It was both a shocking and inspiring experience for me. The image of the hospital will stay with me and is not something I think or hope I will ever come across in the UK. However, as someone who works with vulnerable people in the UK I was excited and inspired at how forward thinking Anjali are in their methodology. Their work is not only innovative, it is sustainable in that it is a model that not only alleviates trauma and develops creativity in individuals but is also creating leaders in communities to change the way people think about mental health in India.
Amy Barbor.

The Nov '09 India Social Entrepreneurship Journey Begins!
Today kicks off the November 2009 India Social Entrepreneurship Journey. We’ll be taking a group of senior leaders from some of the world’s top private, public and civil society organisations (including Credit Suisse, Swedbank, BonnVentures & the Esmee Fairbairn Foundation) in Europe, the US and China to meet some of India’s most inspiring social entrepreneurs. As the group travels through Kolkata and Hyderabad, participants will connect to the people creating systemic change in this country - learning from them while offering perspective on addressing the key challenges they face.
The group will be sharing their experiences with you through just about every online avenue possible, like:
- twitter (@journeys4change)
- flickr (@journeysforchange)
- youtube (@journeysforchange)
- vimeo (@journeysforchange)
Join us on what promises to be an unforgettable adventure.
Participant experiences
Vinay NairExecutive DirectorJPMorgan"I can’t speak highly enough of the India Social Entrepreneurship Journey""I took great inspiration from meeting people with a similar personal and/or professional background to me, now using their skills and passion to make sustainable and large-scale impact. It really was a prodigious experience."
















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