Category Archives: Loans

A woman’s work: one widow’s story

Widow Lady in blue, Dastkar workshop, Ranthambhore, January 1st 2009 I was widowed at a young age. My in-laws were very poor and could not afford to support my three small children and myself but I refused to go back to my maternal home (in shame). I would somehow find a way to bring them […]

Also posted in Banking, Base of the Pyramid, Culture, Expenses, Income, India, Indigenous & Traditional, Research, rural, Savings, User research | Leave a comment

Subsistence farming: managing on two harvests a year

Photo credit: Goverdhan Meena, January 3rd 2009 We have two harvests a year. One near Deepawali (Oct/Nov) and one near Holi (March). This one is our expensive one, I've planted wheat, mustard and horsegram. Wheat take 5 parts of water compared  to 2 parts for mustard and only one part for the lentils. The cost […]

Also posted in Base of the Pyramid, Cashless transactions, Consumer Behaviour, Economy, Expenses, Income, India, Indigenous & Traditional, Informal & Flexible, Research, rural, Savings, User research, Value | Leave a comment

Emergency loan when the wheat mill broke down

This is the source of one man's income. Its a flour mill, where wheat is ground into flour. In the village, there is no supermarket where one can go and pick up a 5lb sack of flour. One has to harvest one's wheat field first, then take the golden grains to the 'chakki' to be […]

Also posted in Banking, Base of the Pyramid, Culture, Expenses, Income, India, Indigenous & Traditional, Informal & Flexible, Research, rural, User research | Leave a comment