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?

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.

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.

 

 

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.

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

 

Visit to Nandri Centre by Caroline Keane

Caroline with mothersCaroline who lives in Ireland was visiting Southern India. She contacted us about children’s clothes which she had brought to India. The clothes have now been distributed to some of our children and she also visited our centre and sent the following email.

 

My visit to a Nandri Mothers’ Self Help Group meeting

More than 3,000 women in some of the poorest areas of rural Tamil Nadu now have their own successful little businesses thanks to the help of Joseph Abraham (Joe), managing trustee of Child Aid Trust which is Nandri’s partner in India and Nandri’s Micro Finance programme, funded by Irish donors and recently by #LCIF (Lions Clubs International Foundation).

Yesterday, I had the privilege of visiting Nandri in person, meeting some of these inspiring women at their monthly group meeting and hearing their stories.

Some of the women have received a modest loan (€350) from Child Aid Trust/Nandri to start their own income. One of the women I met proudly told me about her tailoring business, another has bought a cow, while a third lady is now making shoes. Because of their micro loans and hard work, they are all now able to provide better lives for their children.

caroline keane with mothersAs well as these micro-finance loans all of the mothers save Rs.100 each month. This is about the amount of money which they earn for a days work in the rice fields. any mother can also borrow from their own group. All of the savings and repayments are relent each month.

It was lovely to see all the women smartly turned out in their colourful lilac-and-white sari uniforms which they wear to their monthly meetings.  These Dalit mothers are proud to belong to a group.  They clearly enjoy these get-togethers where they save each month, repay their installments, share their experiences and catch up with each other. From start to finish they were full of enthusiasm, chatter and smiles.

I was particularly impressed by how well managed the programme is and how supportive the women are of each other. Every loan and repayment is carefully and clearly accounted for by a local Nandri staff member using the individual and group reporting set up by Joe. The women have their own individual loan account books which, as well as repayment details, also include a page where they write what their children would like to study in the future, e.g. to be a nurse or engineer. These mothers are determined to make their businesses a success so that their children can have a better education and future than they have had.

Nandri do not receive any interest or fees from these loans. Instead, the women contribute a small 1% fee into a fund towards college education for children of members within their own group.

Although working on shoestring and also running other activities, Joe and Nandri are aiming to have 4,000 mothers and families benefiting from their membership this time next year. Impressive indeed, especially since this programme was first started four years ago, in 2012.

Aside from the Micro Finance programme, Nandri’s other local initiatives including a sponsor a child programme, evening tuition schools and skills training for adults.

Joe and Nandri also have other great initiatives and ideas which they can implement with a little more funding. They are strong champions of social improvement through education and community empowerment because it works. It was really remarkable to see first-hand how they are experts at stretching even the smallest donation to make a huge difference.

If you’re thinking of donating to a charity that can make your money go a long way, I recommend without hesitation http://www.nandri.org

Caroline Keane

 

Fr Joseph returns to sunshine

d4b26879-3eef-4298-89e1-03284891c509Fr Joseph, who is the CEO of our partner organisation in India has been in Ireland for the last few weeks. He has been very busy every day meeting sponsors in Dublin and Cork.

Joe has been in charge in India for about 10 years and during that time he has implemented many unique changes.  We are the only charity in the world where every one of our sponsored children has their own bank account. The child’s mother manages this account. This gives her a great sense of status and pride. Dalit women do not normally own a bank account.  He has successfully implemented a micro-finance programme where since 2012, 850 mothers have benefited and are now the proud owners of a cow or a sewing machine or some other assets which they use to earn an income. He also implemented third level education loan program. Already 250 children are benefiting from that.

None of this would be possible without the support of our hundreds of sponsors who pay by standing order or direct debit every month.   Remember €1 is a days wages for the mothers we serve.    We have also had some very kind and generous donors whose donations have enabled us to build a rural development centre which will ensure that our partner in India, Child Aid Trust.

Father Joseph received many donations while he was here and all of that money will be invested in our various programmes in India.

Fred Crowe

Nandri ensures a student nurse completes her education

Antoni (not her real name) has been living in an orphanage since she was four years of age. Her uncle paid her fees to go to nursing college for the first year. Three months after the start of the second year it transpired that he was not interested or not in a position to pay for the second year’s fees so she was evicted from the college.

In February 2014 we met her and agreed to give her Rs.25,000 (€350) for her 2nd years fees and the orphanage agreed to pay her accommodation fees. We thought she could get some kind of bank loan but evidently the banks will only give a loan if the student applies in the first year. Sounds a bit silly but that’s the way it is.

We have have to repeat the loan for the third year and we will have to give her a loan for the fourth year as well.

Most of our third level education micro finance loans will be partially repaid from the date the child starts college. In fact the repayments are generally currently enough to cover a full years  years loans.

Most of our loans are for Rs.10,000 per annum. The loans to the student nurse are unique but makes the difference between her finishing her nursing education and not doing so. And eventually when she repays us the money can be used to finance another nurse or engineer or whatever

Fred Crowe

CEO

 

Happy Christmas from 2000 families

IMG_5951Just before Christmas we received a box of over 1000 Christmas cards from India. it’s a huge logistical job for our partner in India because the children attend over 200 different schools as far apart as Dundalk to Cork (200 miles).  And it takes twice as long in India to travel the same distance.

Our field workers (Staff members who attend all of our mothers meetings) had to find each child either in school or at home, ask the child to write a  short note to their sponsor or ask the very young children to make a little drawing.
The cards were then taken back to our office in India and because 90% of the children don’t speak English their note had to be translated from Tamil.
Once the cards were completed they were scanned and then added to our computerized child sponsorship management system. Each of our sponsors can now see their Christmas card and other information about their child including photograph or school exam record.
The online access we give our sponsors to information about their sponsored children is quite unique either among Irish or international charities. It is also very cost-effective for us. But we do know that many sponsors don’t have regular or any access to computers and we all know it’s nice to receive something personal in the post.  All cards were mailed before Christmas.
In the meantime you can access the card online if you are a sponsor .
Another part of our child sponsorship system is unique internationally. Each child has their own bank account and the sponsorship money is transferred into that account. The mother has the passbook and each mother feels a great sense of pride going to the bank to take out money which has been lodged into the account. These low caste Dalit women would not normally be allowed into a bank.  We are also encouraging them to save and this is happening.
Over 700 of our mothers now have their own “business” which is changing their family’s lives forever. Through our micro finance income generation program we have given them a loan to buy a cow or a sewing machine. Within a few years they will be earning so much money they won’t need the child sponsorship and this will be passed on to another family to start the cycle again.
So thank you to our dedicated staff in India who worked very hard to get the thousand Christmas cards.
More than anything thank you to our many sponsors and donors without whom we wouldn’t be able to change the lives of what is now almost 2000 impoverished families in India.
Fred Crowe
CEO

Arrival in India

IMG_5136-1.JPGI arrived yesterday with Caoilfhionn, my daughter, who is joining us for a week. She is flabbergasted by India. I am used to it but she finds amazing the numbers of people everywhere, the cows on the streets, colourful saris, beautiful women, gorgeous children, the constant beeping, noise and litter but most of all the friendliness of everyone.

Today we went to the farm where they are making great progress. Cowshed almost completed for 30 cows, free range organic chicken unit finished. They also have ducks and have filled a pond with fish. There is also a turkey running around who won’t be there in January 🙁

Afterwards we went hunting for a site. More anon.