1. PresentingIncredible Indiaher challenges and asolution.Prepared by Debidutta Pattnaik

2. The Country of Countries.Worlds Largest Sovereign Republic.Prepared by Debidutta Pattnaik 3. One of the ancient and richestcivilizations of the globe.Prepared by Debidutta Pattnaik 4. A Country Rich withCulture, History, NaturalResources and what not !!Prepared by Debidutta Pattnaik 5. But sadlyPrepared by Debidutta Pattnaik 6. 1 out of every 3 global poor lives inIndia.Prepared by Debidutta Pattnaik 7. About 10 Croresof Indians still live in slums.7.5 Crores ofIndians still lack decentsanitation.Prepared by Debidutta Pattnaik 8. 35 Crores of Indians are still Illiterate. 60% of Rural Households still do not haveaccess to electricity till date. 1.5 Crores of People still lack access to properdrinking water. Prepared by Debidutta Pattnaik 9. 50% of Children are still below acceptablenutrition level and Basic medicines for 75% ofIndian Villages are not made available. Prepared by Debidutta Pattnaik 10. Since 1997 about 200 thousands poorIndian farmers have committed suicide Prepared by Debidutta Pattnaik 11. Are you Concerned?Prepared by Debidutta Pattnaik 12. ?Prepared by Debidutta Pattnaik 13. PresentingPrepared by Debidutta Pattnaik 14. A Route To ProgressPrepared by Debidutta Pattnaik 15. A charitable company registered tobridge the gap between poverty and prosperity. Prepared by Debidutta Pattnaik 16. Who We Are ? Prepared by Debidutta Pattnaik 17. VisionPMF shares the vision to go and prepare a world without poverty by enabling thepoor to achieve a sustainable improvement in life quality through thepromotion of economic and socialdevelopment.Prepared by Debidutta Pattnaik 18. Mission To improve the condition of poor and low incomepeople. To work for the socio-economic empowerment ofwomen. To promote fair trade. To raise literacy amongst women and children. To improve health and hygiene of the poor andmarginalized section of society.Prepared by Debidutta Pattnaik 19. Values Boundary less People first Ethical Fair Transparent Non-Discriminating Prepared by Debidutta Pattnaik 20. Culture Excellence High Quality Prepared by Debidutta Pattnaik 21. What We Do? Prepared by Debidutta Pattnaik 22. PMF Enables access for poor to Micro-Credit Builds live assets for the extremely poor Trains and Educates Villagers and slum dwellerson Micro-entrepreneurship Brings in water solutions Stands to protect and preserve the ecology of thesystemPrepared by Debidutta Pattnaik 23. PMF is. Adopting root cause elimination approach. Empowering women with Skill. Building value of women by engaging them ineconomically significant activities. Working towards the protection and preservation ofHuman Rights. Delivering easy practical solutions to issues facingpoor today.Prepared by Debidutta Pattnaik 24. Services MicrofinanceEnvironmentalSelf-helpProtectiongroups PRAGATIMARG FOUNDATION Health Jacobs FlockServicesTraining andLiteracyskillProjectsdevelopment Prepared by Debidutta Pattnaik 25. Issues Facing Rural India Poverty Inadequate Banking Services Exploitation of Poor Villagers in Hands of MoneyLenders Impure drinking water Ignorance, Illiteracy and many more.. Prepared by Debidutta Pattnaik 26. Reasons for Poor Banking Poor lack collaterals and necessary documents toavail financial services from formal banks. Main Stream Banks struggle to meet operationalexpenses in Rural Operations. Banks with Profit motive find no commercial gainin Rural Banking. Prepared by Debidutta Pattnaik 27. PMFs Proposal Charitable MicrofinanceBanking solutions for the poor at an affordable price.A social Business designed to bring down poverty.Prepared by Debidutta Pattnaik 28. What is Microfinance ? Provision of financial services to poor clientsincluding consumers and the self-employed. Offers banking facility to people who lack access tobanks and related services. Involves fairly lower amt loans and savings. Low cost Operation in comparison to Banks. Prepared by Debidutta Pattnaik 29. Why Microfinance ? Microfinance services like Micro-Credit works as apowerful tool to uplift the poor by strengtheningtheir most fundamental economic activities. It enables the poor have access to useful resourcesneeded to help them pave their own way out ofpoverty. It ends the poor being slave to Charity.Prepared by Debidutta Pattnaik 30. Is Microfinance Charityor Business? Prepared by Debidutta Pattnaik 31. It emerged primarily to do Charity but over time MFIs have become more like Business Houses with profit motive.MFIs have drifted far way from the corefocus of Charity in hands of few so called Professionals. Prepared by Debidutta Pattnaik 32. How is PMF different ? We mean only Charity at PMF. We are a charitable company with zero profit motiveThe Business we do is primarily to followour passion than anything elsePrepared by Debidutta Pattnaik 33. The interest rate charged for our Micro- Credit services is fairly low intending- just to cover operational expenses- keep us sustainable in the long run and- provide useful services to improve living conditions of thepoor. Prepared by Debidutta Pattnaik 34. PMFs Delivery Mechanism- CLGs and JLGs PMF delivers its services by forming Cluster Groups(CLGs) and Joint liability groups (JLGs).- A Cluster group comprises of about 25 poor families of a village who regularly meets at least once in a month.- A Joint liability group constitutes of 5 families standing guarantee for each others loan.Prepared by Debidutta Pattnaik 35. Cluster Meetings @ PMFPrepared by Debidutta Pattnaik 36. Progress Report Mar`10 till date Completed an extensive survey of the Jhadolregion of Rajasthan with sample size of more than1500+ Initiated 30+ CLGs within an year. 1000+ families are actively participating in ClusterMeetings every month.Prepared by Debidutta Pattnaik 37. Launched Microfinance pilot projects for strengtheningeconomic activities through Agricultural loans, Live Assetdevelopment loans, Business start ups and expansionloans, housing developments; and protection of healththrough 0% Health Protect loans etc. Sardara Bhai emerged as a role model recording a profit of aboutRs.15000 in Cash Crop Farming. Rupali Bai developed live assets to the tune ofRs. 18000 in an years span. Microfinance operation have growth to 15 CLGs with 100%repayment month-on-month.Prepared by Debidutta Pattnaik 38. The Skill Building wing of PMF JJTCTrained Ladies at JJTC engaged in Production workPrepared by Debidutta Pattnaik 39. Snap shot of JJTC Works through the generous partnership andprovision of I-Connect. Skills destitute, forsaken, divorced and needy womenliving in slums. Successfully runs two training batches in a year. Provides regular stipend to students. Runs a production wing to make the project self-sustainable. Most of its graduates and now employed in the projecton salary.Prepared by Debidutta Pattnaik 40. PMFs Micro-Credit forAgricultural DevelopmentProject titled `KrishivikasPrepared by Debidutta Pattnaik 41. Snap Shot Of Micro-Credit PROJECT `KRISHIVIKAS Each farmer was given seed worth up to Rs. 7500; i.e.10kilos of Muesli(a medicinal herb) or 100kilos of Ginger. Enabled poor farmers to grow cash crops Equipped farmers with latest farming skill Educated farmers to profitable farming Taught them about optimal utilization of limited resources Formed a bridge between Govt. Agencies and Villager Provided low interest Agricultural Loans to prepare therocky ground sustain farming, avail irrigationfacilities, high quality cash crop seeds etc. Prepared by Debidutta Pattnaik 42. Krishivikass Graduate SARDARA BHAI- Sardara Bhai grew Musli,a type of cash crop for theregion.- He recorded a profit ofabout Rs. 15000 within sixmonths.Prepared by Debidutta Pattnaik 43. Krishivikass Graduate familyMANGILAL AND HIRKI BAI- Mangilal and Hirki Baigrew Ginger.- Their input to yieldration was 1:5Prepared by Debidutta Pattnaik 44. Krishivikass Eldest Graduate DHARAMDASJI- Dharamdasji was theoldest participant in thepilot project.- His profit from Muesliwas Rs. 5000 in sixmonths.Prepared by Debidutta Pattnaik 45. Krishivikass Youngest GraduateRaju - Raju was the youngest participant in the pilot project. - His input to yield ratio was 1:6 Prepared by Debidutta Pattnaik 46. Seed Storage system of Krishivikass Shantilal - Shantilal recorded profit of Rs. 6000 from Muesli. - Apart from the cash benefit, Shantilal was able to store around 10kilos of Muelsi seed for the next season. Prepared by Debidutta Pattnaik 47. Facts and Figures 100% repayment of loan +90% of Krishivikas Farmers have seeds in store to docash crop farming of their own at the end of the loancycle 200% avg. return to farmers over the loan amount 100% client retention All of the Krishivikas farmerswere interested to continue participation with PMF.Prepared by Debidutta Pattnaik 48. PMFs Micro-Credit forLive Stock Development Project titled `Jacobs Flock Prepared by Debidutta Pattnaik 49. Snap Shot of Micro-Credit Project `JACOBS FLOCK Loaned one/two goats per participating lady Empowered and equipped women to be a supportinghand for the family Engaged unskilled and illiterate women with easy yeteconomically significant activityPrepared by Debidutta Pattnaik 50. Jacob Flocks Graduate SHANTA BAI -Shanta Bai witnessed the first fruit of project `Jacob Flock. - Her no. of goats grew up to 4 by the end of first year. Prepared by Debidutta Pattnaik 51. Jacob Flocks GraduateRUPALI BAI - Both the goats of Rupali Bai produced off spring in the very first year. -One of her goats produced two kids. -The no. of goats at the end of one calender year grew up to 5. Prepared by Debidutta Pattnaik 52. Facts and Figures Birth rate of Goats about 75% across all villages 25% of women witnessed multiple kids Live assets growth up to 50% in just one year About 60% ROI in just one year Nutritious goat milk made available at home Empowered up to 60 ladies within one year Prepared by Debidutta Pattnaik 53. Are you interested toknow more ? Prepared by Debidutta Pattnaik 54. To Know more visit our website www.pragatimarg.org www.pragatimarg.comWrite to us info@pragatimarg.org Follow us in facebook www.facebook.com/pragatimargfoundation Prepared by Debidutta Pattnaik 55. How can you be involved ? Come and volunteer your services at PMF. Spread the good news of PMF across your region. Offer professional consultations. Give Social Loans to PMF. You can also donate Indian Donors can avail tax- exemption under sec. 80(G) of the IT act. Prepared by Debidutta Pattnaik 56. Do join us in our endeavor to better the living condition ofmany poor Indians.Prepared by Debidutta Pattnaik 57. Thank youPrepared by Debidutta Pattnaik