In our lives whenever there is a financial emergency we have the privilege of access to a whole gamut of banking and financial services. We could walk into a bank avail a loan , use our credit cards. But there is a vast majority in our country who don’t even have access to a bank account.

That is where ‘Microcredit’ comes into play. Microcredit refers to providing small loans to low income households – mostly to start a micro-enterprise like livestock rearing, tailoring, grocery store etc. These income generating activities enable poor households to become self-reliant and get out of the vicious circle of poverty.

One can simply register on rangde.org to become a social investor. Choose borrowers to make a social investment of as little as Rs. 100. At the end of the repayment schedule, the investor receives a 2% interest on the investment.

Here’s an interview with Smita Ram, Co-Founder & COO , Rang De:

What was the whole idea behind starting Rang De?

The idea behind starting Rang De was to create a sustainable initiative that will address a problem at its roots. Prior to starting Rang De, we were dabbling with several ideas relating to child labor, domestic help, media etc.

But soon we realized that most of these problems had poverty as its root cause and unless we address poverty, the rest will continue to exist. While we were researching these problems, Mr. Mohammed Yunus won the Nobel Prize in December 2006. That’s how we were introduced to the concept of micro-credit. Something that intrigued us was the interest rates that the borrower paid and how little people like us knew about the concept.

Thus Rang De was born as an initiative that facilitates small loans (micro-credit) for Indians that do not have access to credit. You can lend from Rs. 100 onwards on www.rangde.org to entrepreneurs identified by our partners across India. Join us to make poverty history in India!

What kind of hurdles you had to face during setting up the organization?

There were plenty of challenges right from registering the entity, to attracting talent to getting funds. We continue to face similar and other challenges but that is what makes working for Rang De enjoyable.

Rang De has a fabulous repayment rate, how do you guys achieve that?

We follow a model that is similar to the one propagated by Mr. Mohammed Yunus. We lend money usually to individuals in groups.The group could be a self help group or a joint liability group. In both cases, the group members vet each other and the group leader signs as a guarantor. The group also agrees to pitching in with the repayments if one of them fails to repay. This is the main reason for the repayment rate. Apart from this, we have a criteria for the selection of the borrowers which our field partners follow.

What has been the response of the social investors?

Our social investor base is growing slowly but steadily. We have a little more than 1000 social investors and in some sense, we are a close-knit community. Those who invested their money first have also now begun to invest their time to make Rang De more efficient.

In how many states does the organization have its presence?

We currently have a presence in 10 states – Karnataka, Andhra Pradesh, Tamil Nadu, Orissa, Kerala, Rajasthan, Uttar Pradesh,Maharashtra, Madhya Pradesh,West Bengal.

Although the impact is quite evident, could you tell us some anecdotes of the social impact of Rang De, on individuals and the community in general?

Women entrepreneurs we are reaching out to in Orissa are getting access to loans for the first time. Their loan size is as small as Rs.1000. They are able to borrow money for the first time because it is affordable.

Any plans of making it a for-profit organization?

No. We do not plan to make it a for-profit organization.

How do you plan to take it forward? Where do you see it 5 years down the line?

We would like to be able to reach out to people across all states in India and go deeper into the territories where we have started to work. We would also like to provide a wide range of social investing options to the investors and make social investing a norm.

The Better India team wishes Rang De all the best of their mission to create a macro impact through micro credit.

Contact Details
Do visit www.rangde.org for more info
Twitter: http://twitter.com/rangde
Facebook: http://apps.facebook.com/causes/127485?m=96aaaf39/

It’s a particularly fascinating idea – visually impaired taking photographs. Did this idea take you a few seconds to comprehend? This is one of the most wonderful initiatives that have broken the myths about limitation. Blind with Camera, a wing of the Beyond Sight Foundation, is an initiative that has empowered many a visually challenged individuals to use photography as a medium to express their inner self. Through the perception of touch, sound and warmth, we are now welcome to experience the world as the blind experience.

It was by accident that Blind With Camera took life in the mind of Partho Bhowmick. Partho came across an article about Evgen Bavcar who is a blind photographer based out of Paris. Deeply moved and startled, Partho, a photographer himself, started his journey towards understanding the world of the blind and how photography can be a medium of artistic expression for the visually impaired. In this pursuit, Partho founded Blind with Camera and has been tremendously successful in connecting the world of images and the world of the visually challenged.

How are the blind able to take pictures? How are they able to capture hues, tones and lighting? Partho Bhowmick explains – “Various tactile, audio clues, visual memories of sight, the warmth of light and cognitive skills are used by the visually impaired to create “mental image” before they make the judgment to take a picture. They use camera as an extension of their “self” to explore the visual world, gain deeper insight while recording their imagination and point-of-view.”

Blind With Camera organizes workshops for the visually challenged to introduce photography and help the blind transcend to this new realm of expression. Photographs taken by the blind are showcased in exclusive photo exhibitions which are not just a great exposure to their art but also a source of income to the photographers. Partho says that the exhibitions gave a feeling of pride and belonging to the visually impaired, which elevated their self-esteem, developed their confidence, personality and gave inspiration to achieve more.

Now, the blind cannot be deprived of the joy of cherishing their own artwork, right? To make this possible, Blind With Camera makes sure that the photographs are touchable raised images. The photos are supported by Braille notes, large prints and visual aids so that the blind can access and savor the photographs.

Blind with Camera is a momentous step in our pursuit towards an inclusive society. You can know more about the organization and see the pictures taken by visually challenged photographers at http://blindwithcamera.org/. Support the cause!

In this maddening hustle bustle of the modern day, most of us dream of a vacation , set in some tranquil abode of nature, a unique experience that enriches the body , mind and soul , full of contrasts and diversity. Something that can’t really be located in a guide book.

Well, if you are looking for all of that and want to contribute to Responsible Tourism in the country Travel another India is the answer.

As traditional sources of income erode , Travel another India aims to provide an alternate means of livelihood to many rural farm and forest fringe communities , artisans and craft persons who are willing to play host.

Travel another India won the Sankalp award for emerging companies in Rural Innovations for 2009.

Here’s an interview with Ms. Gouthami, Co-Founder of Travel another India.

Contact Details

Please visit http://travelanotherindia.com to know more
Blog: http://travelanotherindia.blogspot.com
Facebook: http://www.facebook.com/pages/Travel-Another-India/120624356334

Amit Kataria comes from a humble background. Brought up in Choma village, Gurgaon, Haryana by his father, a farmer and mother, a housewife, he always dreamt of making a change in the society. Never having let his walking disability come in the way of his dreams, today he has successfully transformed the lives of many in his village by imparting computer literacy and in the process, setting a precedence worth following.

Amit’s journey began in 2007, “I completed my primary education in Choma but beyond that level of education, there was no opportunity there so I decided to study at a school in West Patel Nagar and passed my tenth and twelfth class there. In my final year, I came back to my village in 2006. I realized that most villagers owned land and money but they had little or no literacy especially in computing. They were ignorant of the need for computer skills. I found that this was the biggest need of my village and its future generations. That was when I decided to start a computer learning institute in my area.”

Students in Rose Computer Academy

With a vision to spread computer literacy throughout India, especially in rural areas, Amit started his venture ROSE Computer Academy in 2007, when he was only nineteen years of age. Having learnt computers, he realized its potential in making his community independent and in the long run, in contributing to strengthening of the economy and the nation at large. At no point of time did Amit lose heart in the face of difficulties even when finances were few and far between, he persisted. “I still remember September 7, 2005, the day when I had earned my first hundred rupees. When I set out to start my institute, I had twenty-three thousand rupees of savings. My maternal uncle agreed to lend me one lakh rupees and I could start my computer lab.”

Amit’s academy has so far trained 300 students from his village, offering courses such as Basic computing, Java, Graphic Designing, Tally, C++ and many others. His is the only academy in Palam Vihar, Gurgaon which offers different kinds of computer courses under one roof, working 18 hours a day. Some of his students have also gone ahead and opened their own enterprises, while others have taken up jobs. Some start working at the academy itself.

One of the students at ROSE Academy is seventeen year old Ashok Silwal. Born in a small village of Nepal, Ashok came to India in 2007. His father is a bus driver at a school in Gurgaon and had no money to support his education so he went back to Nepal and enrolled for a correspondence course in India. “In Gurgaon, my father met Amit Kataria sir. Sir needed an office boy, so I started working with him at the Academy. I soon developed an interest in learning computers. I completed a Certificate Course in Computer Application and Desk Top Publishing and also completed my schooling here. Then I started teaching at the ROSE Academy and earned salary also. Now I am able to contribute to my family too,” Ashok smiles, gleaming with pride.

ROSE Academy has provided computer skills and employment opportunity to many like Ashok. Besides computer education, ROSE Academy also provides learning assistance to students in their studies, considerably brining down the examination failure rate. As Amit puts it, “ROSE academy is like the rose flower that spreads its fragrance everywhere.” True to its name, the work and virtues of the Academy are an inspiration by every measure!