Dear Mann Deshi Donors and Supporters,
Wishing you a Merry Christmas and Happy New Year!!
“B-School at women’s doorstep”: Mann Deshi with B-school together has been able to reach +40,000 women and have provided them capital and business training. 60% of women have been able to start and expand their business successfully.
“Give a girl bike, Change her Life”: Mann Deshi has given bicycle to more than 2400 girls. Bike gives these girls an opportunity to carry on their advanced education.
This would not have been possible without our supporters and partners. And as we come to the end of another successful year, we want to thank those who have contributed to Mann Deshi’s success.
The Mann Deshi aims to provide underprivileged rural women with the resources they need to improve their lives. Mann Deshi works holistically to improve slummy women’s lives through a variety of financial services, business trainings and skills.
Thus, we hope that you remember Mann Deshi when you think about buying gifts this holiday season. Any donations you make will have a direct impact on the disadvantaged rural women and girls we serve, allowing them to improve their lives: your donation would truly be a gift that kept on giving.
Mann Deshi currently has three projects linked with Global Giving, a US and UK based organization that connects people with the countries and causes they are passionate about. Global Giving is registered under 501c3 so that US donors receive tam exemptions. For this donation Mann Deshi Foundation is registered under 80G and also has tax exemption. Your tax-deductible donation will be wired directly to Mann Deshi Foundation from Global Giving. The projects you can contribute to are:
a) Mann Deshi Udyogini (B-school for rural women in india) brings life skills and financial training to poor rural wage laborers, empowering them to become successful businesswomen.
b) The Freedom Ride Bicycle Program for Girls provides bicycles to girls in remote locations so that they can travel to school, and therefore complete their education
c) Mann Deshi Champions (Sports Program) Mann Deshi's Champions Sports Program provides sport training to poor rural children, providing the opportunity to broaden their skills both physically and socially.
To make an anonymous donation, a donation on behalf of another person, or to donate as a gift in a friend's name, please visit www.globalgiving.com and search "Mann Deshi Foundation", or go directly to Mann Deshi's link:
With many thanks and warm wishes for a wonderful Christmas holiday season and New Year.
Ms.Sujata Mane, a long time client of Mann Deshi Mahila Sahakari Bank and B-School. Sujata got training for fashion designing from B-school. She took out her first loan to improve her tailoring business, but family problems did not allow her to repay the loan. After some time she applied again for a loan, but given her record the bank was not sure about her ability to repay the debt. In the end the Bank finally decided to allow her to take out a loan, on her name, in the amount of 25,000 INR meant to buy a noodles machine. The Bank suggested her to enter a Self-Help Group so that she could take advantage of useful advice from other women and more easily repay the loan. Her business started to grow, given that in the area where she lives and works, she was the only one making noodles. Soon she was able to repay the loan and take out a new one in the amount of 35,000 INR to buy a chili powder machine. Again, given the lack of competitors, she was able to profit hugely from the business of making chili powder, and soon she was able to repay even this debt. She then decided that, given the lack of grocery stores in the area, she would open her own small shop, besides the business of noodles making and chili powder. To be able to open the grocery shop she needed another loan from the Bank, in the amount of 70,000 INR, this sum would allow her to buy the initial stock of products she would then sell. She is now repaying this last loan, and given the success of her business she expects to be done within one year: her monthly profit exceeds 10,000 INR considering the chili powder, the noodles and the grocery shop.
Her clients come to her small grocery shop just to buy her chili powder and noodles. She does not have the time to go to the weekly market: with the chili powder and the noodles machine and the grocery shop she is already busy enough, but clients are not missing either. Apart from single clients she also does sell her product to grocery shops in Mhaswad and sends parts of her product to her husband who takes care of selling chili powder and noodles in both Pune and Mumbai. Sujata is also the owner of a land property.
Being such a successful entrepreneur she applied for the 1,000 Deshi Entrepreneurs Program, and has already taken part in the first batch of 2011. The most useful experience drawn from the program has been the exposure visits. Sujata, says that during them she has been able to see how other women engaged in the same business behave, and she has learned a lot of practices she then applied to her own business. The workshops have been useful too, in particular she recalls one of the trainers suggesting her to buy raw materials (chili peppers in her case) in large quantities, wholesale if possible, so that she would be able to get a quite low price and make a higher profit afterward. She currently buys chili peppers from the nearby farmers, always in large quantities.
Her future plans include the buying of an automatic chili powder machine: currently the machine she owns is able to process 5 kg of chili peppers daily, while an automatic machine would allow her to process 15 kg of chili peppers daily. This would make a great difference for her, and she would be able to prepare enough chili powder to be sold outside of Mhaswad and also save time, allowing her to rent the machine to other women to make chili powder. She is also planning to buy a packaging machine (to seal the packages): currently she seals the packages all by hand with the heat of a candle, but a machine would allow her to be faster and more precise. Finally, she is working with Mann Deshi to develop her own brand, so that the packages will be recognizable when sold in Mhaswad but even outside of the city, in Mumbai and Pune. She will probably take out another loan to be able to buy the two machines she needs, but not before having repaid her debt to Mann Deshi.
Her success brought her to become the leader of a Self-Help group, made of 15 women. They have taken out a loan as a group, thus being each responsible of the repayment. She is in charge of collecting the amounts for the group and bringing them to the Bank in Mhaswad once a week. She soon became a model for many women and currently she is also engaged in motivating other entrepreneurs in nearby villages through meetings during which she talks of her own experience and the sources of her success.
This success has allowed her to sustain her family, which comprises 6 members, and to send her 2 children to school. She is indeed very proud of them: one is in the 7th standard and the other in the 3rd standard. The youngest one has passed the examination to get a monthly scholarship of 250 INR.
Like Sujata Mane B-School has been created more than 39000 graduates as on September 2011.
This will not be possible without the support of Mann Deshi’s donor. Thank you very much to all the donors who have supported B-school for rural women.
Dear Mann Deshi Friends and Supporters,
Thank you very much for your continuous support to Mann Deshi Udyogini (B-School for Rural Women). Over the past year, Mann Deshi trained roughly 13,400 students through its Business Schools and Mobile Buses; over 60% of whom attended its financial literacy and Deshi MBA program. Mann Deshi dedicated more time and resources, especially in the past six months, in ensuring their basic financial literacy and Deshi MBA targets were not only met, but actually exceeded. Here are some highlights:
273 Deshi MBA entrepreneurs trained in the first year of launching the flagship program (January 2010), almost 10% higher than the estimated number. Deshi Entrepreneurs Project enables business women to grow their business to their own benefit of the entire community.
Over the past year, Mann Deshi’s senior team has worked to transition the culture of the organization from being vocational training centric towards a management and financial training focus. Their new sentiment is reflected in action – Mann Deshi’s senior team recently created three new mid-management level positions: Financial Literacy Coordinator, Deshi MBA Coordinator, and Business School Program Development Officer. The first two positions helps direct a greater amount of internal capacity, resources and management towards the financial literacy and Deshi MBA programs. Mann Deshi has also established partnership with ACCION. ACCION’s financial literacy and Dialogue on Business modules are very similar in their objectives and target audience to Mann Deshi’s financial literacy and Deshi MBA programs.
Major Happenings at Mann Deshi, Press Coverage and More:
Again thank for your support to B-School. Mann Deshi appreciates our donors support.
US Treasury Undersecretary visit to
Mobile B-School of Mann Deshi (02 March, 2011)
Dear Mann Deshi Friends and Supporters,
Chetna Sinha, Founder of Mann Deshi Foundation and Mann Deshi Cooperative Bank, is pleased and honored to have official program for the visit by U.S. Treasury under Secretary to Mann Deshi Bank and Mann Deshi Foundation.
Under Secretary Lael Brainard in her visit address the press that “when Chetna Sinha had met US president Mr. Barack Obama during his Mumbai visit at Hotel Trident and she managed to explain the principles of Mann Deshi Bank to him. Soon after that US President Office began to display interest in the innovative remote doorstep banking model”. The US undersecretary was in Satara on 2nd March, 2011 as a follow-up to the visit of US president Mr. Barack Obama.
The objective for this visit was to learn more about the innovative work Mann Deshi is spearheading in rural India, including the door step service with e-card technology through rural banks.
In her visit agenda for the day also included business school visit of Mann Deshi. Mann Deshi Foundation with the support of Funds provided by Global Giving, Washington D.C., USA arranged a function on 02-03-2011 at Ramnagar Satara where computer literacy, financial literacy and fashion designing course are going on through business school. Ms. Lael visited mobile business school and interact with the beneficiaries of business school. She said, “Mann Deshi’s projects like bicycle program, Mobile Business School, E-card technology and financial literacy are the role models.”
Ms. Brainard believed the US wants to take financial services to the poor and would like to learn from innovative efforts in India. US officials has impressed with innovative method of financial literacy. They expressed that this will help build a deeper relationship between India and US. Financial inclusion will get a boost, educational and financial opportunity will increase. More and more entrepreneurs will enter new businesses. This is a learning opportunity for us as well. We face the same problems of financial literacy, so there is a lot to learn.” Ms. Lael distributed US financial literacy module CD’s to Mann Deshi women.
The function was held at Ramnagar, Satara. The function was attended by more than 800 persons of the area. Heartfull of thanks to those who supported Mann Deshi Foundation’s cause by providing financial support to make the dream of these women comes true..
Mann Deshi appreciates our donors support.
Dear Mann Deshi Friends and Supporters,
Business School for Rural Women
Business School for Rural Women aims to provide technical, financial and marketing skills for women and girls to start and improve small enterprises. More than 50% of women in the Satara district either drop out of formal education or fail the 10th standard. Without this education, job opportunities are extremely limited. Most women without this education end up as day laborers with unstable wages.
The Mann Deshi Micro Business School for Rural Women provides these women with business and management training need to move from wage labor to micro-enterprise. The school curriculum also offer guidance on business start up, including loan options for seed capital. Because many young girls drop out of high school due to financial or cultural constraints (later being to get married off at an early age), Mann Deshi through business school creates entrepreneurial opportunities for students to assimilate to rural job markets and strengthen economically weak communities.
Mann Deshi Business Schools are set-up and run alongside Mann Deshi Bank. The two organizations complement each other in empowering and promoting the development of poor and vulnerable women. Our business schools provide coursework and practical training on various aspects of entrepreneurship. Women who enroll in our courses are able to utilize our banks’ financial and non-financial services towards their households and businesses in a more informed and effective manner.
Through business school more than 27000 women have graduated. CNN-IBN of India did the story on Mobile business school in Maharashtra.
Thousand Deshi Entrepreneurs: (hazaaro deshi Udyojika)
Mann Deshi Foundation, Mhaswad launched a new visionary project titled “Deshi Entrepreneur” Under the project we have mission to create business entrepreneurs as a role model help 1000 micro or small women entrepreneurs, to grow from micro to bigger and medium sized successful entrepreneurs in next 5 years. To achieve this vision 250 deshi entreperners have been selected in Maharashtra and Karnataka. The aim of this program is to make these women entrepreneurs aware about various details ranging from, how to start a business to different aspects of marketing.
As we want these women not just to become leading and successful entrepreneurs but also roll model for others in coming future, we tried to give them maximum experiences through multiple layered interaction & support to them. Through drama / play they were made to understand the whole gamut of any business.
Story of Balubai Jaggu Jadhav (Successful Deshi Entrepreneur):
Balubai Jaggu Jadhav lives in Shingnapur. She worked as a daily wage labourer. Her husband married another woman and she filed for divorce. But her husband transferred their farmland to someone else and refused to appear for court dates.
Mounting expenses and the need to support her Daughter and her daughter’s children led Balubai to start a ‘mase’. Still she continued to face many problems. This made her to take a loan from Mandeshi Mahila Bank .With the loan money she started a Bhasma Business and become the member of a self help group. She is also one of the participant of Deshi Entrepreneur's program. This program helps her to do marketing of her business and she also learnt to maintain financial diary. Today she is self sufficient and looks after her family well.
Major Milestones and article:
Impact to Date:
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