Showing posts with label Micro-finance. Show all posts
Showing posts with label Micro-finance. Show all posts

Saturday, 15 July 2017

Food Security through small-scale Sustainable Desert Agriculture and Agro-forestry


Food security, the availability of food, and access to it, has been a concern in arid and semi-arid regions throughout the history.  The incidence and intensity of food insecurity have increased significantly in recent decades due to climate vagaries because of climate change.

In order to improve food security in such regions, desert agriculture and desert agro-forestry has been used as a successful agricultural technique.  Desert agro-forestry has been promoted for growing of crops with the environmental support of trees in desert or arid areas. Canals have been dug up to bring river waters to remote desert areas for desert-agriculture use.   

However, food security still remains an issue in some poor households in the rural desert areas of Rajasthan. A weak welfare infrastructure, widespread insecurity, frequent droughts and limited livelihood opportunities keep many residents in conditions of poverty and vulnerability.

Since 2016, we have initiated a project with a focus on food security and nutrition for women and poor households. The approach includes awareness, food and nutrition awareness, training and resource support to start micro/small scale household food gardens promoting cultivation of vegetables, herbs, food and fruit trees within the households or in the backyards as a mechanism to respond to nutritious food shortages. This project is expected to promote self-sustained initiatives by the affected families at grass-root levels through good case projects.

This project has varied components such as community research, education and awareness on food and nutrition to create a change in people’s mindsets about nutrition through continuing inter-personal and behavioural change communications.

This project is integrated with other projects such as health, women empowerment, micro-finance, grey-water sanitation, sustainable agriculture and organic farming, etc.
As per the 1996 World Food Summit, food security exists when all people, at all times, have physical and economic access to sufficient, safe and nutritious food to meet their dietary needs and food preferences for an active and healthy life. And. food insecurity, on the other hand, is a situation of limited or uncertain availability of nutritionally adequate and safe foods or limited or uncertain ability to acquire acceptable foods in socially acceptable ways.

Food security incorporates a measure of resilience to future disruption or unavailability of critical food supply due to various risk factors including droughts, supply disruptions, fuel shortages, economic instability, and wars.

Wednesday, 24 August 2016

There is no such thing as comfort zone

This article is a little mix of everything that popped up in my mind when I had to reflect upon my current experience in India. I have been living in a rural village of lower Himalayas in Northern India for a few months now, working towards social and sustainable development through micro-finance initiatives and projects, in the framework of an Indian NGO.

When I applied for this experience, I did not know what to expect. From the articles I have read, India is the place where the cultural shock experienced can lead some to severe depression and anxiety. From the pictures I have checked, India is a beautiful country gathering multiple extremes – landscapes, people, smells, colors… – all in one place. From the documentation I was sent before flying over, India is a very much challenging experience. From the endless talks I had with friends and acquaintances here and there, India can be either very traumatic or incredibly marvelous. I therefore ended up having mixed feelings about living in India for a few months, low expectations if any, and one overwhelming urge I couldn’t repress: going there, no matter what, for multiple reasons – experiencing something different from any perspective to challenge myself deeply being the main one I guess.


Fifty shades of outfits: India is partly famous for its bright, flashy, overwhelming colors that turn your perceptions upside down

So I did. I believe the first obvious striking thing in India is the standard difference with the Western industrialized countries that deeply highlights the meaning of comfort zone. Bugs everywhere, daily internet, power and water shortages, sketchy housing, antiquated transportation facilities, strong language barrier, farm animals enjoying your rooftop or terrace while you are working there… The simple fact that comfort is gone for real makes you break out of your comfort zone whether you want it or not. Then, there is the framework I am evolving in. Most of NGOs are grass-root level structures that require a detailed understanding of the community needs in order to work properly. You have to meet the people you are going to work with, talk to them, understand them, and assess their needs and wants not only to define the scope of their problematics, but also to reflect on your options, resources, and abilities to impact them within a sustainable perspective. You are your own manager, entirely independent, and it is all up to you to make the most of your time here.

All of the ideals and hierarchy patterns we are taught and raised in back in our traditional occidental universities or schools seem outdated, misplaced, and irrelevant here. The working style you have acquired so far, and the bubble it’s lingering into can do nothing but blow up out here. You have to think out of the box to cope with a contradictory situation: making things work in a long-run over here, even though being here for a very limited period of time. You have to be innovative and adjust your strategies and approaches towards the people you are working with. You have to attempt, fail, and start again with an improved methodology. Rethink everything you thought you knew, observe and analyze situations to come up with matching projects and processes. Basically, forget everything you knew and learn again.

Traditional flour making: girls of a Himalayan village pounding wheat grains to prep flour, the base ingredient of many Indian dishes, before monsoon starts.

I now must say the comfort zone I had back home is far from me right now, but I do not miss it, as I created a new one here. I enjoy being challenged every day, meeting the community members and listening to their stories, their needs, their lives. I enjoy perfecting my working methods towards them over and over again, and managing an indefinite number of stakeholders that keeps growing whenever an initiative is successful. I enjoy encountering new types of issues raising new ways to improve my social managing skills.

At the end of the day, India not only challenged nor strained me, it grew on me. I have evolved in the way I cope with a given situation. I now believe I can create as many comfort zones as I like to. It is up to you to feel home wherever you are. By taking time to change your perspectives and beliefs, you open yourself to new possibilities and ways to learn. My father used to tell me “there is no problem, but solutions”. Daddy, you were halfway right. This experience taught me there is indeed no problem, but opportunities, taking your statement to the next level. Each issue does have solutions but more than anything else raises opportunities that people have to seize.

When I applied for this experience, I did not know what to expect. When I wake up in the morning, I do not know what the day is going to bring up. But what I do know, is that when I am back in France, I will look for another amazing lifetime experience such as this one, and be grateful for the chance I had to go to India, and break out of my comfort zone in so many ways I realized there is actually no such thing as comfort zone.

Beauty is everywhere you want it to be: the colorful merging of traditions, globalization & wild landscapes can be as surprising as peaceful

Marine Cabrol - France 
MicroFinance Project Manager in Naddi 

Saturday, 7 May 2016

So I have now been living in Rangmahal for just over a month.

At first, there was a lot of adjustment as it is a totally different environment to what I am used to! I am from cloudy, grey, drizzly, fast-paced London and this is a world away from that! It is insanely hot, slow and lazy, the sun is always blaring and there is sand EVERYWHERE. I am sure when I arrive back home in London, I will open my backpack and sand is just going to pour endlessly out of it!

One thing that was a challenge at first was the toilet situation. At home I am used to pristine clean toilet bowls, sinks with luxurious soaps, a bathtub and an overhead shower (I am drooling at the thought of this kind of shower now!) In the village, the typical toilet is one that looks like this:

Our gorgeus toilet in the first house

As you can see, this is simply just a hole in the ground with two bricks either side. There was no door… only a wall that around the toilet, which came up to my elbow, so I was always nervous that someone would peek over the wall and see me squatting. I had several comical experiences as I do my business, coughing constantly as though I have been smoking for the last century to make people aware of my presence, awkwardly walking in on Dada Ji then running away and hiding in embarrassment, and also having a dog jump over the wall like HELLOOOOO. Toilet trips were interesting to say the least!

This set up made me wonder how hard it must be to be a woman in this village, particularly when on their period; it certainly would not be comfortable and if I was a woman here, I would be worried that someone would look over and see me, particularly as menstruation here is seen as disgusting and a taboo.

Here we also shower with bucket and water. As I have been to the Philippines several times, I am very used to it and rather enjoy this way of bathing. However, what I am not used to, is a cow eating its breakfast and defecating outside the shower room, and an old woman peeking into the shower as I pour sand water over myself. I had to laugh so many times when things like this happened! People here are extremely curious, particularly to the way that us foreigners do things!

Another difficulty I had at first was hand washing my clothes. It was definitely a struggle at first, especially with half the village coming to watch the foreigner wash their clothes like a local and laugh at how ridiculous and confused I look. Now, I can definitely say I am a pro hand washer!I had to fill up my bucket with a manual water pump (producing a concoction that is 90% sand and 10% water) and then attempt to wash my clothes by hand sitting in the typical squat position, which is waaaayyyyyy harder that it looks I honestly still do not know how people manage to sit like that for so long.

Actually, most women here experience severe pain in their legs, backs and arms from doing chores such as washing and cooking in this position. Even though they experience such pain, they seldom complain and simply carry on. At home, doing chores can require very little to no effort! It is even so simple for me that if I so wish, I can go to a laundrette or order a takeaway ….so I do nothing at all!

Whenever I was invited to peoples’ house for food, I would always be offered a master class in chapatti making. At first, my chapattis all looked like one of the teletubbies, but hey, as they say, practice makes perfect and I can make the roundest chapattis in the village(with the aid of a bowl to cut it out).

Food has been difficult for us; there are no grocery shops in the village and there are about 12 shops that sell roughly the same thing: biscuits and potato chips. To get food we have to travel to Suratgarh, the nearest city which is 7km away, but this requires potentially waiting for the hourly ‘regular’ bus for 3 hours. The result: a diet consisting of mostly daal, daal and more daal. I do not think I can look at another lentil again after this! However, the food we have made, and have been offered has been absolutely delicious! We have even managed to make hummus desert style which entails mashing the chickpeas for an hour with a dodgy fork.…so worth it and so good!

A huge problem we have been facing as of late is the lack of electricity and water. As it is harvesting season, the whole village has decided to turn off the electricity from 9am – 7pm. This has made living in 41 degree heat extremely difficult without the help of our electric fans! One weekend consisted of Iris and I lying in our beds the whole day just saying“ugh”….”its so hot” …”omg don’t you think its hot?!”…”I’m dying!” … “bring me cookies!”


Holi with the beautfiul girls in the village

On top of this, we cannot use our electric pump to fill up our water tank. We have experienced a few times with no water in our tank, so had to buy a whole pack of 10 one litre bottles to go about our day. ON TOP OF THIS, another village has been controlling the water supply and this is cut off for most of the day until 9pm when we can finally fill the tank. We hope to find a solution to this, particularly when it comes to May and, we have been repeatedly warned, it gets excruciatingly hot with temperatures apparently reaching50 degrees…yay!

Yes, it has been difficult at times, but also has been incredible. I have learned so much from the people here, with their warmth, kindness and openness. The village is BEAUTIFUL. We can walk up a large hill, which everyone calls the mound, and watch the sunset over the lush green farms and the sandy plains around us, or play “Kabadi”, a wrestling game, with the children. I have already been invited to, not one, but three weddings! And have indulged in the delicious food there, and joined in the dancing. I experienced Holi with the girls and ladies of the village, again, dancing and indulging in delicious food and tons of chai.

View from the mound

Living here has made me realise how fortunate I am at home with my plethora of CHOICES. I can choose to eat anything I so desire. I can choose to use the washing machine and laze about watching television as it washes. I can choose to leave my house with the light on in my room, if I so wished, for the whole day and not even think of having no electricity at the end of the day. I can choose to have a hot shower for 30 minutes without thinking about water running out.

It has all been a huge learning experience for me. I feel that I will be a gazillion times more patient; there is a lot to learn from the optimistic and laid-back attitude of the people in the village. I am enjoying this simple way of living, and I have even more appreciation for the comforts and the ease of doing everyday chores at home.

Ta for now!


Danielle Outen - United Kingdom
Microfinance / Women's empowerment Project Manager
Centre Administration Coordinator in Rang Mahal

Wednesday, 4 May 2016

Leaving India

I always knew that this internship would give me a chance to learn and have new and unique experiences, but I was surprised at what I became to know about the most. The thing I learned about the most while working for EduCARE was in fact, myself. 

Of course, the internship is about community engagement, practicing sustainable development and sharing knowledge with others-but for most of us, it becomes much more than that along the way.



I got to know more about myself than I ever expected. The frustrations, the challenges, the constant nausea and diarrhea brings out parts of you that you don’t like or try to avoid. But in India, when there is no power or water or horrible and unavoidable weather, you sometimes can’t escape these parts of yourself. When this happens, you begin to learn how to adapt or how to react in situations. Then, after time, you begin to realize some parts of yourself that are really great. You realize you are an innovator, most certainly a problem solver and have more ideas, knowledge and definitely patience, than you ever thought you were capable of. 

On a more narrow point, I got to learn specifically about microfinance in the field. Traditional microloans and microsavings is not the only way to conduct microfinance in developing countries. I understood quite quickly that sometimes the most effective ways of doing a project are not the most efficient or traditional ways of approaching ideas and projects. It could not be truer that flexibility is essential and the key to succeeding in any projects attempts. Even while keeping this in mind, you will almost definitely fail at some stage. Of course we are constantly told failure is good and it takes time to accept this but its true. The constantly failing and mistakes is often what gives you inspiration for better ideas or alternative solutions. So what I’d really like to say is thank you. 

Thank you EduCARE for giving me so many opportunities to fail :)



Breanne Jury - Canada
Microfinance Project Manager / REstore Project Coordinator in Paro and Naddi

Tuesday, 2 February 2016

The Chicken Coop Journey in Modiya

When I came to Gajner in Rajasthan, the previous microfinance intern was about to leave EduCARE. For the past three months, he had been working on finding an agreement with a family in the nearby Muslim community, Modiya, on building a chicken coop. He asked me to take over his project and I was not sure about what to do. I just had gotten to the centre and I had not even met the family interested in the project. I felt I needed more time to decide. Yet, the more we discussed it, the more I was finding the idea of a chicken coop an exciting way to help a woman, not only to empower herself, but to provide food security to a community that has limited access to vegetables and eggs, as well. On these premises, I embarked on this journey with Saira and her family that turned to be a true adventure.

Saira's family and the interns building the chicken coop

It was mid-October when we started to bring materials for Saira, and after three months, we can finally say that the chicken coop is ready. There have been vicissitudes as in every journey, but a few exciting and surprising moments are certainly what I will take home with me. The fact that we are going to buy chickens by the end of the first week of February is extraordinary. However, what really matters to me are the financial literacy lessons Saira and I started back in December. Back then, I discovered that she is illiterate, while until that day I had been told she could read and write. I was still positive though because I realised she can write numbers and she is treasurer of Gajner Self-Help group. It was a great starting point!



Ilaria has been giving financial literacy classes to Saira

Right before Christmas we had a lesson and I gave Saira some homework for the holidays. When I came back in January and I visited her I was pleasantly impressed to see that she did it all and really well too. The surprises did not stop there. Saira showed me her notebook and she is learning to write and read Hindi. I do not know whether studying math together made her want to learn more, but I want to believe that we are truly bringing change in people’s lives doing our small part.



Ilaria Iovieno - Italy
Microfinance Project Manager, Gajner (Rajasthan)


Saturday, 5 September 2015

Growing Mushrooms, Growing Oneself



At the beginning of June, we began our first microfinance project: three women attended a mushroom cultivation training course.

Shushma, Sarita and Pushpa learnt how to grow oyster mushrooms in their homes from a two-day workshop, facilitated by EduCare India interns and taught by Dr. Deepika from Kangra University. The first day was dedicated to lectures in the office and the second was practical training on how to prepare the bags of straw and spawn, which later grew into mushrooms. 

Several women learning now to cultivate mushrooms in Rait

By the end of the training, the women went home with one bag each which they are able to keep for three months. A few days later they made four additional bags each all by themselves.

When we first began working in Rait, we engaged several women interested in starting various microfinance businesses with us. We chose to start with mushroom farming because Shushma took initiative and showed a genuine desire in getting a business started.

 
The women preparing the mushrooms and the straw 

She came to us and continued to do so because she felt it was taking too long to organise the mushroom training. On day two of the course, Shushma was the first person to arrive at the intern house to get started. She was there at seven in the morning and had begun preparing the straw for the practical training. When the women planned to meet at the intern house two days after the course, Shushma was the first one there to make arrangements for the preparation of the women’s other bags. One month later and Shushma still hasn’t given up. She didn’t give up when her mushrooms took longer to grow or because one bag became sick– Shushma has persisted and persevered throughout this process.


Women like Shushma have the will to do something and are proactive. She is a mother of two and uses various innovative means to generate another income for her household. Shushma’s example shows us that some women are already empowering themselves, and sometimes, they just need a bit of help, or a nudge of some sort, to be able to do something big.


Emma Vayssade - France 
Microfinance project manager, Rait (Himachal Pradesh)

Tuesday, 25 August 2015

EduCARE India is Kicking-off Stitching Project in Rait


Sewing is traditional craft in probably every region of the world. In India stitching activities play important role for national economy as well as on local level. In rural Himachal Pradesh, most of the women wear typical for India slawar kameez aka Punjabi suit, which they either tailor themselves or have it tailored.

We knew that a few women in the village are interested in stitching activities. We also knew that many women here already know how to operate sewing machine and have some basic understanding of stitching. We’ve figured that stitching activities could be a good way of earning money for local women as they know basics of stitching and are interested in doing it. This is how the stitching project began.

Cecile and Mila with some women from the community

The initial stage of the project is mainly about providing the interested women the opportunity to practice their stitching skills. For that we’ve organized a training facility in EduCARE office in Rait where we put two sewing machines as well as threads, fabric, as well as old clothes that are subject for recycling. We also agreed with a local tailor Kopina to pick up scrap fabric from her. That will be a chance for the women who don’t have a sewing machine to practice stitching and for us to see who is genuinely interested in starting stitching business. Apart from that, weekly meetings in our office could be a platform for the women to exchange skills and generally socialize. From our side, we will try to provide tutorials and design ideas for stitching products that are simple, marketable and, of course, eco-friendly.

There are a number of challenges that we faced at the initial stage of the project. First of all, we needed to disseminate information about the new opportunity. For that we employed several outreach technics from flyers and posters in Hindi to the word of mouth. Secondly, we do realize that tailoring market in the village and its surroundings is pretty saturated. Our solution to that is focus on the stitching products other than clothes, like bags, blankets, bed sheets, and others.

After talking to about ten women of different age several of them agreed to come to practice and share their skills. Eventually, on our first “stitching Tuesday” we met Joity and Radha who came to our office on Tuesday 4 pm – the day and time we’ve allocated for stitching self-practice. They actively participated in the discussion and seem to be very motivated to try new things in stitching. We showed different possible designs for patchwork and other simple yet marketable things they could produce, and both women agreed they are able not only make it but sell it in Rait and beyond. Let’s hope it will happen this way.
Sample of a possible design

Mila Pestun - Belarus
Microfinance project manager, Rait

Saturday, 22 August 2015

Juices, hot chocolate and scarves



When I first arrived in Naddi in February, I thought B didn’t want to open Restore. I was focused on making it look nice. No, think about the concept B said. What do we want Restore to be? Five months later and I feel at last the concept has been defined.

The journey started with the idea of a juice stall. We wanted to promote healthy living, and after seeing a juice press in action in Dharamsala, we realised that fresh juice was missing from Naddi Main Square. B liked the idea so much that the juice press was purchased in record time. It only took a few days from proposing the idea to B to a juice press and mixer arriving at the square.

The main aim of the juice stand is to help young girls from the community earn additional income and gain confidence in themselves by serving customers and interacting with new people. We decided the girls should work on a commission basis - they receive five rupees a drink for every drink sold. However, even with this financial incentive finding staff was not easy. Finding motivated and available staff has remained our main challenge for the last three months.

EduCARE Team preparing juices in Restore 
Sisters, Nisha and Bindu, now come consistently every Sunday. However, both go to college and school every day, apart from Sunday, as do many girls in the village. So at the moment Restore is only open every Sunday, with a big remaining challenge being finding staff for other days of the week.

The actual juice business has been surprisingly successful: daily sales have gradually increased since the opening of the stall, despite the worsening weather. The resulting profits have been reinvested into the shop. We have put down a new gravel floor, painted the shop and invested in a small gas stove. We plan to start offering coffee, hot chocolate and herbal teas, again drinks that are missing from what is offered on the square at the moment. The purchase of tables and chairs have also given the shop more of a cafe feel.

Elliot, SWASH manager, helping in Restore
The profits have also been invested in other microfinance projects. Many local women are very good knitters, and we have developed some scarf designs with them that we feel would appeal to the tourists from Punjab and Delhi. Some of these scarves are already being sold in the shop. We have also started initial investigations into pickle making which could also be sold in the store.

If the shop is a respected, successful business, the girls who work there will feel a pride in themselves and their work, and hopefully want to take on more of a leadership role in the running of the shop. This is the long-term goal and will probably take several years to fully implement. But at the moment, small steps continue to be made, profits are being reinvested into the shop and other microfinance projects, and the girls are smiling and taking home money and hopefully increased confidence each day that they work.


Eileen McDougall - UK 
Micro-finance project manager, Naddi 

Thursday, 6 August 2015

Health insurance project

On a rainy Monday, Harmonie and Maddy boarded the crowded blue bus bound for Dharamsala. Their mission for the day was to unearth information about health insurance policies that the internet could not provide. As the bus sped down the mountain they reviewed the plan for the day. First, they would visit the Zonal Hospital to research the RSBY Health Insurance Scheme. The Indian government provides a variety of programs that address health issues, but often citizens in poor, rural areas are not aware of these programs. EduCARE acts as an intermediary link between the government and community members to provide information and find beneficiaries. Second, they would visit New India Assurance, the insurance company designated by the government to provide health insurance to families living below the poverty line (BPL) in Himachal Pradesh.

These visits were the first step in finding affordable health insurance options for community members in Naddi. The health insurance project combines the project goals of Women's Empowerment, Health, and Microfinance. Providing affordable health insurance encourages regular visits to the doctor. Currently, in most homes, men's health is prioritized because they are the breadwinners. This means that many women suffer from chronic health issues that go untreated, because treatment is expensive and viewed as nonessential. Health insurance is not a traditional Microfinance endeavor, although EduCARE India does not take a traditional approach to Microfinance. Within EduCARE, Microfinance refers to small scale, community based enterprises, often focusing on financial inclusion. Affordable health insurance plans are a method of financial inclusion. Financial inclusion refers to increasing a person's documented financial activity and increasing their awareness of financial options available to them.

They entered the main doors of the hospital and explained they were looking to speak with Saroj Kumari about RSBY. This request began a fifteen minute race through the hospital from one room to another. As their guide led them at top speed through hospital hallways, patients looked on curiously, no doubtably wondering what the westerns were doing there. Though the hospital was crowded and there were patients waiting in all the halls, the two western interns waited no longer than three minutes to see anyone. They spoke with Ms. Kumari, a nurse responsible for RSBY patients. She explained that beneficiaries of RSBY would receive free health insurance if they were a BPL family. Next they travelled to a separate wing of the hospital, which was hot and humid with open windows and the distinct smell of cleaning bleach. The interns were rushed into an air-conditioned room to visit several doctors and important hospital personnel. The purpose of these visits were unclear and mostly involved chat about the weather. Eventually the interns found themselves sitting in the office of Dr. Gupta having a chai discussing EduCARE's mission, rural health, and the importance of health insurance. Dr. Gupta was very kind and answered all their questions in detail. They stayed to discuss India, France, the United States, and visas. After swapping visa stories, Dr. Gupta declared "In my experience, India is easy, a simple government and simple procedures for those who are honest". The interns disagreed.

As they walked out of the hospital, they felt fully prepared for their meeting at the insurance company responsible for insuring BPL families under the RSBY scheme. Soon they found themselves in the New India Assurance office listening to a story about a woman who had come to Kangra years ago working for an anti-deforestation NGO. This woman was Muslim and Caucasian, a detail that seemed to be the most important fact of the story, according to the teller. Roughly half an hour later it was revealed to them that there was no new information regarding RSBY that the office could provide.

All in all, the day was a mixed success, as is the case with most projects that set out to navigate and conquer Indian bureaucracy. It was encouraging to learn that NGOs have an important role built into the RSBY scheme, meaning EduCARE can positively effect the health of BPL families. Although, it was learned that BPL is a designation given by the head of a village and the government, which often means it is a relative title and excludes many families who are also in need of affordable health insurance. On the one hand, many of their questions were answered, but then on the other hand, with those answers come additional questions. At the end of the day, on the winding road back to Naddi, Harmonie and Maddy planned the next phase of their project, the mission to find affordable health insurance continues.



Maddy Kennedy - USA
Microfinance project manager

Thursday, 16 July 2015

New Microfinance projects are on a roll in Paro, Punjab


The Punjab Microfinance project is undergoing an overhaul! The cluster went from zero microfinance interns to three, and thus the weeks since Educare’s quarterlies have been spent coming up with a shared vision for the microfinance initiatives we would like to see here. Assessing some of the past microfinance projects here we decided we wanted to go ahead and open a ReStore, and the best way to do this would be to start with a juice stand run out of the Paro office.

We believe this juice stand will be a good way to increase Educare’s visibility in Paro, and we can gradually encourage some of the girls in the Paro migrant camp to come help work the juice stand. We’re hoping this will teach the girls financial literacy skills (such as bookkeeping, addition, and subtraction), independence, and a desire to expand on new projects!
Rachel hopes to engage the women in Paro in a sewing project to make and sell re-usable bags either out of the ReStore or out of the local shops, Aurélien plans to expand on an organic farming project to sell fresh produce, and Madeline hopes to re-engage the chicken coop project out of the Paro camp to sell eggs in the ReStore.

We have a lot going on for Microfinance here in Punjab, stay tuned for some big changes!


Madeline Zdeblick - USA
Cluster Coordinator, Punjab