From the Desk of the CEO

Looking behind at the year gone by, we are satisfied as we achieved many of our milestones. This last quarter of the year has been particularly eventful, given the Kiva-MicroGraam partnership as well as the Outlook Business 2014 felicitation. As always, accolades help us to push our standards higher and achieve more. Speaking at the Inclusive Finance seminar organized by XLRI, Jamshedpur energized as well as enabled us to learn about macro issues and best practices. Our partners meet in Tamil Nadu helped in forging better bonds with the community as we understood some of their struggles and challenges. This quarter the entire MG team was out in the field visiting partners and meeting borrowers. It is important to understand the micro issues to deliver better.

We hope to bring in a great year ahead with many more supporters like you. So please do spread the message of lending for a livelihood. Wish you a Happy New Year!

Rangan Varadan

Macro Impact - YOU can transform a Life

Sandhya Das is 50 years old. She is a Beetel leaf cultivator on her own land in Mahabatnagar village, Mathurapur, South 24 Paraganas district, West Bengal. She has taken a loan of INR 25,000. With this money she hopes to build a new structure for the betel vines. This structure will enable her to add 1000 plants to her current plantation of 2000 vines and increase her annual income by INR 5000. Her husband and 2 sons help her in the everyday activities. Her 2 daughters are married. Starting her life as a daily wage labourer, she has inspired others to stand up for change by working for their own farms. She has received the loan from the MicroGraam Kiva partnership. This is a beautiful partnership where investors from America, Germany, Australia and Canada have funded the loan to Sandhya in a village in West Bengal, India. She is the first woman in her village to have built a toilet in her house. Now her dream is to install a hand pump near her house with the increased income. She now has to walk about a kilometer to fetch water for daily needs. Thus the loan will help her to change her life in more ways than just an increase in income.

Your Borrowers, Our Partners (showcasing a few of our field Partners)


By funding this group you will help to empower and provide sustainable livelihood to small farmers, labourers, widows and single women. The loans are mainly used for agriculture and animal husbandry. Kudumbam works on rural development in Trichy, Tamil Nadu.

Vanasiri Rural

By funding VRDS you will support landless families in North Karnataka. The loans are mainly given for rearing livestock, dairy and micro enterprises. VRDS also educates farmers on proper cultivation methods and other such programmes.

Vidharba Agri

By funding this group you will help VAPCL”s mission is to improve the livelihoods of small farmers and provide good quality ‘natural’ food to the community. They encourage sustainable agriculture and organic farming by training and capacity building of farmers. VAPCL has a lentil (dal) mill that processes tuar, chana and moong dal depending on the season. They work with farmers in Amravati, Buldhana and Washim districts of Maharashtra.

Sampurna Training

By funding this group you will be providing micro-credit and socio-economical services to women entrepreneurs living in the slums of Kolkata and Howrah in West Bengal. STEP forms small self help groups and helps them to develop activities that generate a good and sustainable income. STEP also trains the borrowers in vocational and business development.

Straight from the Investor (Lender) .....

"Kiva puts in practice the spiritual value of money – to make it flow, circulating to the benefit of many. I love Kiva and MicroGraam because it is a loan, not a donation. You lend us$25, once, twice, trice, as many times as you want supporting less resourceful people across the world." - Mariana Oom, a Lender to Kiva – MicroGraam Borrowers

“Microloans provide a sustainable way of enabling the rural poor to avail of income-generating opportunities. Repayment of loans gives borrowers self-confidence and avoids dependence on charity. By connecting rural population with urban professionals, MicroGraam has created a wonderful way of involving urban Indians in rural development.” - Shibulal, co-founder of Infosys Technologies and a Lender to MicroGraam Borrowers

Bean Counters' Corner

Borrowers:                                                          6,605
Social Investment Raised:                                Rs. 10.11 crores
Loan Outstanding as on 31st Dec 2014:          Rs. 4.04 crores 

Be the Change

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©2015 MicroGraam. All rights reserved.                                                                                                                                      December 2014