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/

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!

A less traveled track to Tilonia gives one a journey into Indian entrepreneurship and perhaps changes the way our villages are perceived by city dwellers. Tilonia brings you face to face with the real spirit of India. Its misty hopefulness uncovers the nature of the task that is ahead for a social entrepreneur, its uniqueness and challenges.

Tilonia is a small town 25 kms from Kishangarh near Ajmer in Rajasthan. Barefoot College, established in 1972, inspires this town with the conviction that solutions to rural problems lie within the community. These solutions are broadly classified by Barefoot College into solar energy, healthcare, education, water, rural handicrafts, people’s action, communication, women empowerment, income generation, wasteland development, electricity and power as well as social awareness and conservation of ecological systems in rural communities.

Barefoot College was founded by Sanjit ‘Bunker’ Roy, an Indian social activist and educator. Roy was influenced by the philosophy of Mao Zedong, and modeled his organization after Mao’s Barefoot Doctors. Roy has worked all his life with the Barefoot College.

Spread over more than 8 acres of land, the campus of Barefoot College was built between 1980 and 1986, designed by a team of rural ‘barefoot’ architects, masons, blacksmiths, farmers and members of women groups who sat and struggled through the initial basic designing of the campus. This institution believes in imparting informal, non-structured, on-the-job practical training by identifying the poor, unemployed youth who have been unable to finish their formal education and have returned to their respective villages as dropouts. The five principles which are an integral part of the functioning of the college are equality, collectiveness, self-reliance, decentralization and austerity.

The education program focuses on the overall development of rural children, with literacy being just one part of it. It encourages hands-on or learning-by-doing process of gaining knowledge and skills. Lessons are focused on awareness about the environment and socio-economic and political forces that dominate development. The aim is to provide the children with a right balance of education and literacy so that they choose to stay in their village and work for its development. The college has different programs for children and women. There are Balwadis (rural crèches) established for children between the age of 6 months-5 years for the convenience of working mothers. Night schools have been set up for ‘working children’. There are bridge courses, courses for night school children who aspire to join formal day schools. In these night schools, initiatives like the children’s parliament are established which allow them to participate in the management of their schools through a democratic process. Candidates are selected through a proper election process, giving them an idea of the working of a democracy.

There is also a huge emphasis on the holistic development of women by empowering them socially, financially and politically. In the past 38 years, the college has trained more than 15,000 women in jobs ranging from construction work, education, metal craftsmanship, toy making and solar engineering, to mechanical repair and fabrication, health care, water testing, handicrafts, film making and social activism.

Vocational Training at Tilonia

The Barefoot College has setup eight field centers in Rajasthan and a society known as SAMPDA (Society for Activating, Motivating and Promoting Developmental Alternatives) through the collective efforts of which the Barefoot approach is replicated in rural communities across 14 states in India.

The global response received by the organization is worth acknowledging. The institute has witnessed semi-literate middle aged woman traveling from places as diverse as Afghanistan, Cameroon, Gambia, Mali and Sierra Leone to undergo training to become barefoot solar engineers.

To know more about this organization and to read on some of its wonderful initiatives, please visit their website at www.barefootcollege.org.

We have all read comics when we were young. Many of us continue to read them due to their fascinating nature of conveying stories very easily.

But comics need not necessarily confine to the comedy genre. Can they be used to communicate an issue, a cause or a fact? World Comics India, led by Sharad Sharma, is doing exactly that – using the power of comics to bring about a social change!

World Comics India is a collective of cartoonists, media persons and grassroots activists. This organization makes use of comics to serve as a communication tool and as a mode of self-expression in remote areas of not only India, but many countries in South Asia.

Sharad Sharma, who leads World Comics India, is a cartoonist from Jaipur and has initiated numerous workshops where cartoons and comics are used to spread awareness. A novel idea indeed, considering that comics can easily cut across language barriers!

One of their campaigns was the Girl Child Right Campaign which aimed to address the issue of female infanticide in the region of Western Rajasthan. Here, they trained children and adults in comics making. These trained people in turn created over 300 comics focused on the girl child’s rights. World Comics India then conducted a road-based tour with all this material which was distributed to various villagers and local leaders. You can view all the comics created as part of this campaign here: Girl Child Right Campaign Comics

Similarly, they had also initiated a campaign against corporal punishment in Uttar Pradesh. Students of a school in Maharajganj used comics to spread awareness amongst teachers that punishment by beating is not really the right way to discipline children. Details of this campaign available here: Corporate Punishment campaign.

Their website is comprehensive with a lot of material available for people and organizations to make use of. For instance, the entire manual on how to go about creating these comics is available in both English and Hindi (both files are about 2 MB each).

If interested, you can download a series of videos available on their website which showcases how the various campaigns were initiated and also on how World Comics India trains people in the art of comics making! Click here to view and download all resources related to World Comics India, including a book written by Sharad Sharma and Leif Packalen titled “Grassroots Comics – A Development Communication Tool”.

For contact details, please visit their website www.WorldComicsIndia.com

Pointer to WCI provided by Sunandini Basu of Inktales

We read, we learn, we understand. Sites like the one you are currently reading, along with countless other blogs, books, newspapers make up our reading spectrum. Make us aware, make us improve.

But what if we were to be visually impaired? How would we fare with a total lack of reading material? Did you know that most of the material available so easily to us is just not accessible for the visually impaired? In fact, only 0.5% of books are made accessible to the visually impaired in India. So, how do we ensure that those with visual impairment are able to read all those wonderful things that we come across regularly everyday?

This is where BookBole steps in. An initiative of Inclusive Planet, BookBole is a website that is designed for easy access for the visually impaired. Most visually impaired use text-to-speech converting software. Now, while there are standard guidelines for websites to ensure that text-to-speech software can easily ‘read’ them out, most websites do not adhere to these guidelines. The result is a lot of clutter and subsequent loss of information for the visually impaired. Bookbole solves this by making varied content available in easily accessible form.

The Problem

With the digitization of content as a result of the internet, as well as specific governmental and non-governmental initiatives to increase the volume of accessible content, there is now much more accessible content though the volume of content remains a major issue. However the problem is not just one of quantity but of relevancy i.e. of not just responding to general needs but specific user requirements. Large-scale global initiatives to make content accessible are just a drop in the ocean, albeit a very useful one. They can only cater to some needs of some people in some parts of world. With so much information captured in partially or fully inaccessible formats (print or digital non-readable formats) how does one respond to culture, language, industry and domain specific needs?

The Solution

The answer to this decentralized and hydra-headed problem is a decentralized community-driven solution. If similarly placed print and visually impaired across the world can connect with each other and share their efforts to fulfill their specific needs then there is a durable and dynamic solution at hand.

From books to class notes, journals to cooking tips, product reviews to personal stories. BookBole is all about the small stuff, but on a really large scale. A vibrant universe where people reach out, connect and fulfil each other’s needs. A universe created by aggregating the pools of accessible content that the visually impaired community has created for itself. A place where the value to the community of an individual effort is truly unlocked. Sharing that goes to the heart of the problem.

Bookbole.com is the consequence of this thought process. Designed exclusively for the 300 million-strong global print impaired community, it enables them to connect with each other and share accessible content, including books, notes, articles, blogs, audio recordings and so on, and furthermore, to build conversations around this content. It is a social network, with a difference. In the fashion of all things simple and useful, Bookbole will no doubt come to mean different things to different people across the world – a learning tool for some, an entertainment platform for others, and for all, a place to make friends and have conversations.

BookBole’s vision is that of a large, vibrant, pulsating community that shares useful content and conversations in a more-that-just-accessible environment, and where publishers and content-creators across the world, see the value of making available their content in mutual beneficial arrangements. Going forward, the largest community of visually and print impaired people in the world could see Bookbole become a social network, a content platform, a marketplace and a policy platform rolled into one. The makings of a true social venture.

Sittilingi is a remote village in Dharmapuri district, 125 km away from Salem town in Tamil Nadu, which used to be a god forsaken land caught under the spell of quacks and black magic. Noisy drums and fake injections were all they had to cure illnesses. This is when Dr. Regi and Dr. Lalitha took the plunge. This doctor couple went ahead to provide medical services to the tribals of Sittilingi, leaving their promising careers in the cities.

The couple found their calling in service to the underprivileged and wanted to use their knowledge where it was needed the most. Their hunt for the right place to offer their service ended at Sittilingi, a totally neglected and ignored tribal village. They ventured into the village, faced tough resistances and now they have emerged successful in establishing a full-fledged medical center for the tribals. A service beyond praises! 

Regi and Lalitha called their service the Tribal Health Initiative (THI). Their perseverance and continued service has brought about dramatic change in the living conditions of the natives. Infant mortality rate in Sittilingi has reduced to 20/1000 and there are no mothers dying in childbirth for the past 5 years. The nutrition levels of children and the general well being of the people have improved to a great extent.

Another striking fact about the Sittilingi initiative is that the girls who serve as nurses at the medical center are personally trained by Regi and Lalitha. When Regi and Lalitha saw that it was extremely difficult to get nurses to work at this tribal village, they decided to go choose smart and trainable girls from the village. This became such a wonderful uplift to the self esteem of the girls that they are extremely proud to be part of this initiative and to serve their community.

THI’s approach to medical care went one step ahead in educating the people and ‘helping the tribals help themselves’. They wanted to create a general understanding about health and health issues and make the natives acquainted with basic first aid. Today, over 21 neighbouring villages are benefiting from the Tribal Health Initiative that sprung at Sittilingi.  

And, the couple didn’t stop with medical facilities. They organize educational programmes, cultural activities and community development initiatives. There is a library facility that is available for children who also get to listen to motivating stories from a community worker every month.  Truly commendable, right?

It is very heartening to know about the selfless and committed service of Regi and Lalitha and many others who are supporting them. You can visit them at Sittilingi and get to know their service better. We also encourage you to support the initiative by contributing to the cause. Visit http://www.tribalhealth.org/

Children in over 70,000 government schools in Bihar are now enjoying reading hundreds of colourful, well-written, and well-produced storybooks – thanks to Pratham Books and its novel mission to see “A book in every child’s hand”.

In our country, children are expected to learn to read and comprehend simple text by the end of their first year in school. Textbooks in early school grades require children to read fluently by the end of class two. However, available evidence indicates that a large proportion of school children are still struggling to recognise letters and decode words after 2 or 3 years of formal schooling. This makes helping children learn to read one of the biggest challenges in India today.

Pratham Books, a children’s book publisher with a difference, is addressing this challenge in style. The organization is a not-for-profit trust that was set up in 2004 with the objective of publishing high quality, low cost books in Indian languages and giving Indian children the opportunity to read interesting books that they can identify with, in their own language.

Last year, the government of Bihar introduced Bodhi Vriksha Karyakram, a programme to improve reading levels in early grades of school. However, for reading skills to actually improve, children need many, many books that stimulate their imagination, expand their minds, and evoke enough interest to keep them reading. In an extremely foresighted move, the Bihar government utilised 2% of the funds provided by Sarva Shiksha Abhiyan to buy storybooks and other such resources for students of standards 1 and 2.

The Government invited publishers including Pratham Books to participate in ‘Pustak Melas’ held in 37 districts of Bihar from November 2008 to January 2009. The schools were encouraged to attend these Melas and buy books for their students. In what could be the biggest investment in India’s history towards making books other than textbooks available to young children, this programme spent Rs. 30 crores, and reached no less than 6 million children! In just 7 weeks, truckloads of books, approximately 400 tons, were distributed across thousands of government primary schools in Bihar.

The Bihar government’s initiative is a simple, efficient model that can be replicated in other states. Efforts like these immensely improve reading levels among young students, and bring us closer to making India a reading country.

You can get more information on Pratham Books at http://www.prathambooks.org/.

For related articles please visit:

http://blog.prathambooks.org/2009/01/books-reach-children-in-bihar.html

http://www.scribd.com/doc/9812691/Kitabain-Chali-Bihar-Ke-Bachhoan-Ke-Pass

In our society, the differently-abled and mentally challenged citizens find it extremely difficult to be able to make a living and live a life of dignity. These individuals do need work and subsequently the advantages of work. However, prejudices towards them have caused them to be treated as surplus citizens incapable of being contributing and productive members of society.

This is where Diya Foundation makes its mark. Started in 1999, Diya Foundation is a vocational training center which provides training and, more importantly, employment to adults who are mentally challenged as well as others who are differently-abled physically.

Sarah Santamaria, founder of Diya Foundation, shares her insights with us:

This Diwali, Diya Foundation urges you to add sparkle to your life by doing more. They have a range of delicious chocolates and colourful diyas on sale for individuals and corporates. Handcrafted using imported cocoa, the Chocolyn chocolates are available in a range of flavours and along with the diyas, make for a delightful gift. A gift that will give you double the joy because of the cause it supports.

Diyas for Diwali

Diya Foundation Chocolates

The products can be custom wrapped to suit varied preferences and budgets. For more information and to place your orders, contact Diya Foundation here:

Those signature kerosene and petromax lamps at hawker shops have decorated our streets during its busy evenings for years now. They are a hawker’s constant companion and a basic necessity for their shops. But did you know that a hawker has to spend around 250-300 rupees every month for these lights? Parting with this big chunk of money from the handful that he earns becomes quite a burden. Accolades to Urja Unlimited, who understood this difficulty faced by the hawkers and came up with a fine solution – replacing the fuel lamps with solar power.

Urja Unlimited is an organization which was born with a novel idea of providing ‘energy for all’ through renewable energy. Urja aims to serve every village, town and city in India with efficient energy solutions. With its vision in mind, Urja initiated the project to support street hawkers and aspires to reach a million hawkers with their lanterns.

The main aim of the project is to completely eliminate the recurring fuel expenditure on the hawkers. Moreover, as we all know, there are environmental benefits attached to giving up the use exhaustible fuels. Also, the hawker gets to work in a fume free environment.

Over 150 hawkers in Faridabad enjoy the solar power

The first step towards energy efficiency was Urja Unlimited’s solar lantern project in Faridabad. Over 150 hawkers have opted for Urja’s lanterns which have given them a breather with their expenses. The brighter solar lamps have enlivened their surroundings, gotten rid of the risk of health hazards and brightened the faces of the hawkers.

Savitri Pandey, a hawker in Faridabad who has switched to Urja’s lantern, mentioned that she is now able to devote the cost savings on giving up the kerosene lamps to her children’s tuition needs. Saina Bano says that “Ab har mahina mittiktel (kerosene oil) chori se kharidane kay jhanjhat khatam.” Ashok, a hawker suffering from Tuberculosis, said that he is now spending less on his medical expenses.

Support to spread the cause

Replicating the success and spreading awareness across the country is a big task in the hands of Urja Unlimited now. The constraint is that the equipment is slightly priced on the higher side, around 2600 to 3600 rupees. Logically, the amount is equivalent to what the hawkers would spend over a year for their fuel costs and they need not spend any more on their fuels after this initial investment. Also, the lanterns can easily serve the users for almost 5 to 7 years. Urja intends to bring down the cost that could come on the hawkers by entering into partnerships with micro finance institutions, corporates and other philanthropic organizations.

How can you help this initiative?

With more people like you supporting the cause, we are sure that we can make some difference to the lives of more street hawkers. Here are a few things that you can do:

• Introduce Urja Unlimited to your company and encourage a corporate social responsibility initiative
• Contact Urja Unlimited to find out more about the initiative and help them serve better
• Help spread awareness about the use of renewable energy

You can know more about the organization at www.urjaunlimited.in. Urja and The Better India shall assist you in sharing your contributions.