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Sep 23, 2019

Zainab's Expanding Horizons

Zainab
Zainab

Zainab was one of the first girls to be sponsored under this programme back in 2016. She’s from a desperately poor family, living in a single room and surviving on her father’s tiny salary of Rs4000 (about £45) a month. Zainab is a hard-working student and loves knowing that she has a sponsor, Jean, who lives far away in England.

Jean’s generosity provides Zainab everything she needs to ensure she can benefit best from her education: uniform, shoes, a school bag, books, stationery, the cost of travel, extra tuition, nutritional supplements and so on.

But being a sponsored girl means so much more than that. Zainab is also a member of the Gyan Azhar library, a girls-only facility where she can study, borrow books and use the computers. There are also frequent invitations to the library for opportunities to learn beyond the school curriculum. This summer there have been awareness sessions covering good nutrition, personal health and hygiene. They learned how to spot and how to prevent tuberculosis. They had a session on menstrual hygiene. On Earth Day, the girls learned about environmental issues discussing the problems of plastic waste: they had a go at making their own paper bags out of newspaper. Young volunteers from local schools organised a drawing competition, dance, singing and fashion events for our girls.  

So, for Zainab, being part of the sponsorship programme is more than the school kit and other educational expenses: it is also about widening her horizons, expanding her understanding of how to stay healthy, enjoying new cultural experiences and meeting other young people from around the city.  Zainab can aspire to life beyond the tiny room in the slum, a life beyond illiteracy, drudgery and child-bearing. 

Thank you for giving Zainab and all the other girls a vision and hope of a better future. 

A healthy body
A healthy body
We made paper bags!
We made paper bags!
Ayesha receives basic computer course certificate
Ayesha receives basic computer course certificate
Jul 26, 2019

Food Rations - the First Step to Empowerment

Sonali and daughter Suhana
Sonali and daughter Suhana

Food rations have been distributed to a number of extremely vulnerable families, thanks to your generosity.  With food in their stomachs, the children can concentrate at school and their mothers have more energy to help themselves out of their terrible situations.  Tiljala SHED also supports these families through the education programme and through the Livelihood Microfinance Programme. Our aim is to empower these women to change their own lives, but sometimes the basics like food rations have to come first

Anwari resides beside the canal-sewage in Narakeldanga with her family consisting of four members. Her husband died some years back and she had to support their family single-handedly through rag picking. She lives under extreme poverty. She earns around Rs 100 (less than 2 US$) daily. She works 8 to 10 hours daily. Age is catching up and she is finding it very difficult to continue with her work. She is malnourished and needs proper food as she has to go empty on many days when there is no sufficient income. She has 5 family members.  With this monthly ration she can sleep with full stomach and would not have to starve.

Afroza’s husband was a drug addict and prone to domestic violence. Afroz would often fight with her husband over trivial matters. Her children were also not attending school. Her husband later abandoned the family. Afroz has set up a small grocers shop and earns between Rs 1500 to Rs 2000 per month. Her neighbour sometimes helps her with some food and money. Struggling to stay alive with limited means, this ration support means a lot to Afroza and her family. This emergency food support is a ray of light in their darkness.

Nazma is very weak due to lack of nutrition. Her husband does not care for the family and spends his income on liquor. They have three children who do not get sufficient food. All are malnourished. Nazma is severely malnourished and they are 5 family members.

Moijan is married to a drunkard who very often abuses her both physically and verbally and does not give any money for the upkeep of the family. The burden of looking after the family has fallen on Moijan shoulders and she has been struggling since then. She has 6 members in the family.  Since her husband is good for nothing, she has taken charge of her household. This ration will enable the family to survive as they are now going through a very tough time.

Sonali lives with her daughter and mother in a small house measuring about 70 sq.ft small tiny room. She works as a maid servant and earns Rs.1500 in a month.  Her husband married with other women and has moved away and deserted the family.

He doesn’t give money to run the family as a result the family is struggling to make ends meet. Sometimes, Sonali brings food donated by neighbours or relatives to feed the family but this are not regular hence she cannot depend on it. She really needs regular ration support to sustain the family.

Parveen, aged 28, is a widow and has to take care of her large family all by herself. With five hungry children to feed with limited income. Her children are all victims of malnourishment. Parveen needs all the help available. She is a rag picker. Her husband was an alcoholic and a drug addict who passed away more than 6 months ago.  

Salma lives with her family of six members. She along with her husband are involved in rag picking but lately both have health issues hence they cannot work long hours. This has had an adverse effect on their family finances. Now they are finding it very difficult to meet ends. She lives in Tangra along the canal side. This ration will be a great help to this family as they will not have to stave now. Thanks to this project.

Salma
Salma
Anwar
Anwar
Afroza
Afroza
Jul 5, 2019

How access to microcredit changes lives

Rehana
Rehana

Rehana’s Story

Rehana is 26 years old.  She is married with a son and a daughter.  They live near Topsia canal side settlements in central Kolkata. Her daughter studies in class IV and son studies in class I.  Up until June 2018 Rehana earned  a meagre Rs 50 (57 pence) per day by chappal-cutting (trimming the rubber straps of sandals). Her husband is a rickshaw puller and earned Rs 180 (£2.00)  per day after paying Rs 70 rent to the owner for the rickshaw. This income was not enough for running the household expenses and sometimes the family went to sleep without food.

In June 2018 Tiljala SHED had received a loan of Rs 20,000 (£230) for supporting her business through Tiljala SHED’s Alternative Livelihood Program. Rehana purchased a rickshaw. This meant that they no longer had to pay rent  for the rickshaw. Her husband earned a good amount for 6 months and, no longer trapped by poverty, he was able to find good work in Odisha.  So Rehana now rents out the rickshaw and receives Rs.70 per day in rent.

Having repaid the initial loan in full, she took another loan for Rs.30,000 in June 2019 and opened a new warehouse for waste recycling work. She is also repaying the second loan in time. Her husband continues to work hard in Odisha to help repay the loans.

Whatever she is earning from the warehouse is reinvested in the business to expand. The condition of the house and their living standard has increased. They have a lot of expansion plans and she plans to take another loan in the coming months after the repayment of the loan.

Life has changed in just 12 months and with their hard work this family is making progress and is on the way to end poverty in a few years.

Rehana wants to live an independent life and does not want to depend on her husband’s income. She has dreams to make her son a police officer and daughter a nurse to serve the society. She is a leader in the community and an entrepreneur.

How are these loans organised?
Applicants for loans under the Livelihood programme all come from the very poorest section of society. They live in the desperately poor areas of central Kolkata which Tiljala SHED has supported for many years. All the beneficiaries are women, although many, like Rehana, may take the loan to enhance or support their husband’s business. Each beneficiary is screened to ensure they are truly in need and living below the poverty line. Applicants form small groups of 4 or 5 women, CIGs (Credit Interest Groups) which then work together to support and encourage one another and also to take responsibility collectively forone another’s repayments.  A condition of taking a loan under this scheme is that the children must remain in education and that the beneficiary must have a bank account and develop a habit of saving.  This way they are protecting their future.

Why is this scheme so successful?

  1. It is run by and for women.
  2. The CIG structure means that potential beneficiaries are selected by friends and neighbours who know them well.
  3. Tiljala SHED provides business training and support
  4. Because T Shed is a charitable organisation and not a bank, this scheme is run entirely on humanitarian grounds. If a crisis occurs – and amongst the very poor an illness in the family can cause a severe financial crisis – the loan repayments are rescheduled and sometimes even forgiven altogether. Even so the overall repayment rate is always very high.

What are the main positive outcomes/impact?

  • The women are empowered to build a business and become financially secure
  • Across the scheme women report much reduced levels of domestic abuse
  • The children remain in education and thus increase their own chances of a better future
  • Families who have lived for generations in illegal shelters beside the railways and open sewers are now planning to move into proper housing and to put their children through a good education

 This scheme is 3 years old.  It started with a fundraising Quiz Night in December 2015. That evening raised the seed funding which led to the first 80 beneficiaries receiving loans in June 2016.  Since then a total of £96,500* has been disbursed to 472 beneficiaries. Of those, 142 are former rag pickers (the lowest of the low – women who fed their children by collecting other people’s waste and selling it on to dealers). The rest were classed as ultra-poor (not rag pickers, but from extremely vulnerable families and living in the same illegal makeshift shelters). None of the beneficiaries are in any useful way literate – and yet 74% have increased their family income through becoming entrepreneurs.

We are desperate for another £10,000. With this we can expand the project and bring in the long waiting list of CIGs (more women like Rehana) who are desperate to change their family’s fortunes with a small loan. With a further £10,000 circulating through the system, enough interest will be generated to cover the entire cost of the project and to make it fully self-sustaining.

A single donation from you will be accessed again and again as these desperate communities lift themselves out of poverty, educate their children and walk into a brighter future…

*£18,000 raised through Global Giving (about £3000 at that first quiz night) and the rest is funds returned in repayments and funds raised locally in Kolkata.

 
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