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Update on our sanitation programme.

To date, our sanitation programme has provided a total of 58 families with new toilets for their homes. The toilets are a very basic outdoor construction.  The Indian government will provide 50 per cent towards the cost of building but without a loan from Nandri the families would be unable to afford the balance.

It is normal in poor areas of rural India for families to defecate in the fields beside their homes. The loans from Nandri to help build toilets has changed the lives of these impoverished people and given them the opportunity to live cleaner and therefore healthier, more dignified lives.

We are continuing to educate our mothers and children about the importance of hygiene to prevent diseases, teaching them to wash their hands frequently to prevent the spread of germs. The children are bringing the lessons they are learning in our Resource Centers home and sharing good hygiene practices amongst the rest of their families!

Nandri would like to say a big thank you to our supporters of this project. You are helping us transform the quality of these families lives forever.

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Nandri bringing joy to our families at Christmas

Christmas should be a season of happiness and joy but for our poor Dalit mothers, struggling to survive,  this is not the case. This year, we wanted to make Christmas extra special for them. In previous years we gave our mothers sarees but this year our group leaders suggested we give small gifts to celebrate Christmas and recognise our mothers achievements in the past year. It certainly lifted their spirits! They sang and danced and were delighted with the presents they received. The spirit of Christmas and the joy of giving brought happiness to all during our celebrations.

 

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A Jar Full of Coins and a Family’s life transformed for Ever

With the coins this kind donor found in a large jar in his home, he sponsored a cow for one of our impoverished mothers. Nandri provided the mother with a micro finance loan enabling her to buy the cow which will give her family food, in the form of dairy products, an income from the products she can sell and in the future, a calf which will further boost the income of the family. Because of the increase in income, the children will be able to afford to continue their education. What a difference a cow makes in the lives of our poor families. This mother will never forget how a jar full of coins changed her life.

Our generous donor called his cow Aideen after a family member!  What would you name your cow?

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It’s our business to make Nandri work!

In Nandri, we believe that it is very important for our Donors to understand how our charity works, how it benefits our families and where their money is being utilised. The tightly organised day to day running of our charity is key to its success. The CEO of our partner organisation in India once said to me “Fred this is not a business it’s a charity”. I answered that unless we run it like a business with professional procedures and systems then it will not prosper.

We implemented Salesforce, one of the best corporate CRM systems in the world, and a number of user licenses were made available to us free of charge by the company. We are extremely grateful to Salesforce. It has enabled us to manage the records we have on thousands of our Nandri mothers in our non profit.

In January 2012 we started a micro finance programme to give a loan to a mother to buy a cow or other income generating asset. The mother can repay a loan within two years and all repayments are immediately re-loaned to another needy mother in the group.

In 2013 we realised that many of our children were dropping out of education at 17 or 18 years of age. We then started to give them loans to go to college. This immediately doubled the number of our children who go to 3rd level, as many families could not previously afford the upfront fees, despite the fact that this was only in many cases less than €100 per annum. Most of our mothers only earn €20 a month.

We could not manage these programmes without the appropriate technology and systems and Salesforce is the most important system which we use. Today we have quite an extensive, complex database, with details of over 3,500 mothers, 2000 children and 700 current donors in our system

Every month almost Rs.2 million is processed through the Salesforce system. Within two weeks of each month end we receive a set of management accounts which have been audited by a local chartered accountant in India. In Ireland one of our directors who is also a chartered accountant produces monthly accounts for Ireland and reviews the accounts from India.

Our mother’s pay 1% per month interest on the reducing balance and this is mainly used to fund the third level loan program. Our mothers also pay a membership fee of about one rupee per day. This income is enabling us to grow the organisation and to achieve a level of self sustainability in India.

In February 2016 we opened our Nandri centre. It is a 6000 ft.² building. The opening was attended by over 3500 mothers and children and local dignitaries. It has put us on the map locally and has enabled us to apply for grants from the Indian government to run training programmes for our mothers and children. It cost about €300,000 and was fully paid for by a small number of donors from Ireland including some directors. The building is used for training courses and administration and for regular meetings of over 600 officers of our 200 mothers self-help groups.

Most of our 3500 mothers are members of the low caste so-called untouchable Dalit community. We found it difficult to rent rooms for meetings and offices. Our mothers are treated like travellers in Ireland, who find it hard to rent rooms for weddings or other celebrations. Our 3500 mothers proudly wear their Nandri saris and are proud to be part of our organisation.

We are a small organisation and our revenue for the current financial year is likely to be around €200,000. We only have one part time employee in Ireland who works 10 hours a week. Our future strategy is to grow our micro finance fund. Since 2012 we have issued loans of over €900,000. The repayments are used to issue about 50 to 100 new loans every month.

In 2016 we were approved a grant of $50,000 from the Lions Clubs International Foundation #LCIF. We had to come up with $17,000 matching funds and much of this was provided by Lions Clubs in Ireland. This fund has already being used to provide loans to 350 widows and single parents.

On top of our micro finance programmes, our mothers, who meet every month in groups of 15 to 20, are also encouraged to save. They save about Rs.100 per month which is the equivalent of a days wages for them. This money is reloaned to their group colleagues. They also charge each other a small interest-rate. Our mothers proudly show off their passbooks which record their subscriptions, savings and loans. We have set up the necessary paperwork systems to enable them to manage these loans and savings themselves. We employ eight fieldworkers who attend all the meetings to ensure that all our procedures and systems are maintained.

We want our sponsors and donors to know that we make their money go far. Every €400 donation will change the life of a family who receive a loan to buy a cow. Two years later the same money will benefit another family and so on. A donation to Nandri is a gift that keeps on giving. Our future plan is double the size of our loan book. Within five years we hope to have 10,000 mothers of which over 5000 will have received a life changing loan.

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Nandri CHild Resource Centres Changing the Lives of our Little Ones

Nandri has set up 10 child resource centres to cater for the overall support and development of our children.  All of these centres are looked after by remedial teachers appointed from the local villages.  Children come to these

The joy of learning in Nandri Resource Centre

centres after school and start their evenings with some traditional fun games in order to relax after their long days of learning at school.   Their evening studies are supervised by the teachers, who help them with their homework,  practice reading and writing skills, and also organise singing and dancing classes which the children thoroughly enjoy!

In this wonderfully positive atmosphere, the children’s education, talents and overall well being is being nurtured.  I

Early learning building life skills

was privileged to visit one of these centres in January, and enjoyed seeing their school work and a wonderful display of singing and dancing from the most happy, smiling little people.  It was a joy to see.

As most of the parents of Nandri’s  children are uneducated, they would be unable to help  their sons and daughters with their school work.  They are so grateful to Nandri Resource Centres for ensuring the very best for their children.  They see the difference it makes in their school grades and how happy the children are to participate in the after school programmes

Nandri Resource Centres are helping the future generations of Nandri families fulfill their dreams and escape poverty through education.

 

 

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Nandri Micro Loans Continue to Change Lives

 

In July, 52 Nandri mothers received life changing micro finance loans which would help them start their own business or give them the finance to send their children to third level education.   This programme gives a lifeline to our impoverished mothers and their families.   As the mothers pay back their loans each month, these repayments enable us to lend to more than 50 new mothers the following month.    The cycle of success of our micro finance loans continues to grow and flourish bringing hope and a future to new families each month.  NANDRI,  changing lives.

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Volunteer Tony Shaju experiences teaching and living in a rural village in Tamil Nadu

It was a typically hot and humid Monday morning when I set off from the Nandri centre with Joe the Nandri India CEO.  Being honest I didn’t really know my destination, only that it would be quite rural and unlike anything I had experienced before. After driving past many towns and some bigger villages we started to head to a more mountainous area until we finally arrived in the village of Udaiyarkuppam. To my surprise and delight there stood a St. Anthony’s church with the parish house beside it where I would be staying for the next week or so. I would be living with the parish priest, Fr Arokiya Raj, who thankfully spoke English well and helped me to adjust.

The next morning, I was awoken by a what sounded like a large crowd. It was in fact a bell and then the public-address system from the church which calls out the time followed by a prayer or small bible reading at various times during the day. Unfortunately for me it started at 6AM!

Across the yard from the church was the local school where Joe had suggested that I could help teach English while I was there. I hastily met the young principal, Karthik, and before I knew it I was officially a teacher at Anthony R.C.S Middle School. Suddenly in front of me I had 40 odd expectant kids, looking back curiously at this overawed foreigner. This was a Tamil medium school so the standard of English and exposure to it were rather poor.

Nevertheless, me and my students in 7th and 8th standard managed to communicate effectively with a mix of English, broken Tamil and extravagant hand movements! The enthusiasm and eagerness from the kids was fantastic as was the competitiveness which was on display when playing English learning games in class.

Break times were filled mostly with playing kabaddi, the local sport, where you try to tag the opposing team and run back to your team’s half before they catch and take you down. I had resisted many calls from the students to be a ‘raider’ but eventually gave in. It can get quite rough but thankfully they understood me saying “soft” before they gleefully took me down!

There are around 260 children, mainly Dalits, in the school and each day ends with everyone outside singing the national anthem before heading home which was quite different to Ireland. Admittedly it was daunting at first having never been in a comparable situation but I feel it was a worthwhile and beneficial experience for me and hopefully the students too!

My evenings were equally busy as I went around the nearby villages to conduct surveys as part of my work with Nandri. So, I was visiting mothers and their families who had received loans from Nandri 3 or 4 years ago and helping to determine the impact on their lives. This was another new experience from me as I was exposed to a different side of India than have seen on previous visits. I had help to complete this work in the form of Selvam, a college student in Chennai who is from the local area. His help to translate and converse with the mothers combined with his local knowledge were invaluable. Initially Selvam and I went on foot around Udaiyarkuppum and as I walked up to the homes of some of the mothers I could see the cow they owned- bought with the loan from Nandri. The cow provides them with an asset and essentially becomes an earning member of the family. The milk will usually be sold to a cooperative and so provides a regular monthly income source for the family and also future calves can be sold. Thus, I could see the direct benefit of the Nandri loan for some of the mothers as the extra income was used to help take care of living costs. Indeed some of it was put towards the educational fees for their children. It was also nice a surprise when knocking on a door and seeing it opened by one of my students, some of whom are supported by Nandri.

Of course, as I was travelling around the villages- sometimes with Selvam on his little motorbike- I met others who were struggling more. Some are constrained by chronic medical ailments or a lack of access and affordability to treatment and generally there is a shortage of work. This is in part due to Tamil Nadu being in the midst of its worst drought in 140 years. Naturally the shortage of water affects daily living but also employment opportunities as most people are agricultural daily labourers, thus relying on the land. The struggle is not helped currently by the governments inadequate support despite national protests from Tamil Nadu farmers.

I must also mention the generosity of the villagers as I was travelling around to their homes. I’m grateful to their willingness to help us locate fellow group mothers on our list and inform us of any issues. I was also offered numerous snacks, fruits, tea and juice which was very welcome in the scorching heat. Indeed, I had the opportunity to have dinner in some of the mother’s houses and taste some local dishes which was nice- despite being far spicier than I’m used to! I was also able to attend a local Hindu festival one day which included inserting metal hooks into the backs of some worshippers and walking on fire followed by a procession. I had seen some similar things on t.v before but it was interesting to see it up close.

Overall it was an eye-opening experience to live in a truly rural area of India and see some of the people that Nandri support. I’ll certainly miss interacting with the imaginative kids from the school and the ability to talk with locals and learn about their lives while I definitely won’t miss the early morning ‘alarm clock’!  I’m told by locals that when the rains come the area is lush green and quite scenic and I look forward to returning sometime and seeing it for myself.

Tony Shaju

 

 

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Successful Microfinance Implementation

In 2012 we started our #micro-finance program. We provide 90% of the cost of purchasing a cow or sewing machine to impoverished mainly #Dalit mothers.  These women live in rural communities, generally without access to clean water or sanitation or power.

Mothers self-help groups are the important crux of these communities. We have over 3,000 mothers in our programs and each mother belongs to a mother’s self-help group . Each group consists of 15 to 20 members. The group meets each month. Each mother/member pays a small monthly subscription and an annual subscription. They each save Rs.100 (approx. $1.50) per month.  For many of them, this is a days’ wages.

All the members’ savings  are re-lent each month to members of their own group.  All loan decisions are made collectively by the group  and all decisions are carefully minuted and careful records are kept of subscriptions, loans borrowings, etc.  Each member has a passbook, which shows her subscriptions  loans and borrowings.

Our mothers proudly show off their passbooks and their record, particularly of savings. Each group manages its own savings and loans but Nandri manages the income generation micro finance program. A mother who wants a micro-finance loan has to apply through her group. Her group will decide if they think she is capable of repaying the loan. The group will guarantee her loan. This peer pressure has insured 99% repayment rate on over 1,500 loans to date.  This is a key factor in the success of our program.

Our impoverished Dalit mothers would not be normally be allowed inside a bank never mind get a loan. Loan interest rates in India could be 2% to 3% per month from a bank and treble that from money lenders.  We charge 1% interest per month on the reducing balance and this has become an important part of the revenue of Nandri to allow the program to continue indefinitely and to ensure the program is properly managed and maintained.  We have developed our own lending application within #Salesforce, which is a corporate level CRM system.

Most of the mothers purchase a cow with their loan and the immediate income from the sale of milk from the cow means they can repay the loan, while also having sufficient money left over for other family purchases and also milk for much-needed family nutrition. They will sell the male calves as Indians don’t generally eat beef. Female calves will go on to become a valuable mother.

Today we have a fund of Rs. 12 million or about $150,000.  $50,000 of this was provided in the form of a grant by #LCIF.    Repayments enable us to issue between 30 and 40 loans every month. The income, in the form of interest and subscriptions, from our mothers, ensures the long-term viability of this program.

Fred Crowe

 

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Nandri Mothers’ Convention 2017 my experience

By Tony Shaku

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What a wonderful sight to see 3500 mothers, plus a few hundred children converging on the Nandri Centre in their purple Nandri saris. They arrived in buses on foot, on motorbikes. in trucks and tuk tuks (called 3 wheelers here).

I had been told about this event prior to heading out to India and that I should definitely make it in time to participate. It’s the biggest day of the year for the Nandri Foundation as thousands of empowered women who are receiving support from Nandri come together to celebrate and raise awareness of this movement.

However, I should start by mentioning the hard work gone in to produce a successful event. It no doubt had started much earlier than when I arrived, led by Joe- the driving force of the organisation in India. And the preparations went into the early hours of Sunday morning as staff, other volunteers and I finished making banners, signs, decorations and organising the raffle among other duties before the big day! It provided a glimpse of the sense of community as local kids and elders alike pitched in during the day to ensure things ran smoothly.

tony-s-and-joe-newAfter a few hours of sleep, I awoke and put on my veshti or dhoti, the traditional garment tied around the waist worn mainly in South India, normally in white for special occasions. It was time to attend the street rally/parade organised in the nearest town with hundreds of women coming from many villages. In true Indian fashion, the rally only began when it should have finished!

The rally helps raise awareness and the profile of the organisation in its goals relating to support for agriculture, rural life, children’s education and the empowerment of families.

This year it was also held in conjunction with CanKids, a non-profit working to improve the treatment and support for children with cancer in India. It was great to see our signs and banners used in full with leaflets given out to the public with info on issues that both foundations tackle. It was my first rally and I feel people took notice with the surge of women in matching purple saris walking through town. Also with the press and some local politicians attending it should reach a wider audience around the state.

Then we headed back to the newly constructed Nandri Centre where thousands more women, children and locals joined for the convention. The land around the centre had been transformed with a stage and two large marquees set up to protect from the searing heat. To begin Joe spoke about the values that underpin the work that the organisation and other senior staff gave a summary of the annual report in which Nandri has continued to expand its support to the women and children of the Tiruvannamalai district in Tamil Nadu.

20170319_140806There was also a prayer held in remembrance of the movement’s founder, Tony Barron, who passed away recently. The major events of the day were the opening of the computer and language teaching room which will undoubtedly be crucial to improving the prospects of a better life for numerous children in the area. Concurrently the solar power generation room was inaugurated with the centre now running on power generated from the newly installed solar panels which shows the commitment of Nandri to being environmentally sustainable which was pleasing to see.

Back on stage there were speeches from the invited dignitaries ranging from people involved in higher education, pro-agriculture and feminist groups as well as politics. Admittedly I didn’t understand quite a bit from the speeches but they were certainly impassioned and seemed to resonate well the mothers. There were also cheques and certificates given to continue the work of Nandri with a new education fund set up in honour of Tony Barron.
Then I got a big surprise Joe unexpectedly called me on to the stage as a representative of Nandri from Ireland and I received a ponnada- a ceremonial shawl usually given to acknowledge dignitaries or important people.2017-03-19-photo-00003973

So, in a moment I went from a volunteer to the chief guest from Ireland. It will most likely be the first and last time in my life!

The generosity extended to the local folk as the elderly gentleman sitting beside me in the crowd insisted on buying me ice cream, which was very welcome given the heat. As I savoured my ice cream there were plenty of energetic dances and singing performances to be enjoyed from children in their various village groups (including a memorable freestyle from Fr. Joe) Although most enjoyed their day, I’m sure some left a bit happier as they took home the prizes they won from the raffle.

Overall it was a unique experience, one which I’ll remember for a long time. The strong turnout of women who came from far and wide in the district highlighted the reach of Nandri and the community spirit it can foster which was particularly nice to see. Among other work I look forward to volunteering in the new solar powered computer and language lab which also shows the progress the foundation is making just a year since the centre opened. However, that might take a while as I re-adjust from being a VIP back to an eager volunteer!

Tony Shaju

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Evening Classes

Children in rural India are generally very weak in English. Even if they know a few words, they are too shy to use these words. Those children studying in Tamil get very little coaching at school to learn English. After the 12th class which is equivalent to leaving cert in Ireland, when some of these children join college education or poly techniques, they face a lot problem with English as the mode of lecturing is in English.

Nandri has started evening classes to enhance English speaking skills of the children with innovative and child friendly teaching and learning methods.  The intricate grammatical concepts are made easy for children with games, song and dances. Apart from spoken English, children are helped with their school assignments and also receive some food snacks.

The evening classes are named Nandri Joyful Learning Centres (NJLC) as the children should enjoy learning and feel happy to come to the centre.  The evening classes are conducted from 5.30 to 7.00 in the evenings. Some of the teachers are college students and they are benefiting from classes we have at weekends. The income which we pay them helps them with their fees.

In November 2016 we have a hundred children in NJLC and December 2016 fifty more will be added. The plan is to roll out this project next year to lots more villages. We want the villages to run these classes with teachers we will train. We want the villages to pay the cost and this will mean many more children will benefit.  

You can see from the short videos how much fun they are having while still learning