Iranian Savings Funds to Tackle Loan Drought

For entrepreneurs around the world, acquiring finance to start or expand a small business has become harder and harder as the global financial crisis has bitten hard. Across the globe, people with good ideas or successful businesses that need funds to expand are finding the door closed by traditional banks.

As banks and governments have focused on reducing debt and building up cash reserves, it is small businesses and small-scale entrepreneurs – often without business or family connections – who suffer the most. Opportunities are being missed to create new jobs and enterprises and lift poor communities out of poverty.

In that climate, the search is on for alternative ways to build up wealth. In Iran, a new phenomenon has arisen to address the lack of bank loans for small businesses brought about by the economic crisis. Iran is suffering under international sanctions as well as outstanding bank loans exceeding US $45 billion, according to the Financial Times.

The domestic banking crisis this has provoked has resulted in a tightening of credit for loans.

But in response, middle class Iranians are forming their own savings clubs to help each other with loans.

The savings clubs work like this: each member buys a share in the club costing around US $2 per day (around US $620 over 10 months). Each share makes the saver eligible for one loan during the year. For example in a club of 30 Tehran taxi drivers, every month four members of the club receive US $600 each in loans. The fund lasts 10 months and each member is guaranteed one loan per share.

“It is a savings fund and doesn’t have the uncertainty of the banking system, which might or might not give you a loan,” club member Ahmad told the Financial Times newspaper. As one of the drivers, he has four shares and is eligible for four loans.

“My mother is also saving money in a fund of housewives among our female relatives.”

The fund is managed by the head of the taxi agency and a driver who is a retired teacher. Both are trusted. “The retired teacher receives the money every day and puts a check mark by the names of those who pay. He is trusted by the head of the taxi agency, while other drivers respect him as an educated, honest man.”

Savings clubs are also good for the local economy, helping people to be able to buy goods on loans they would never be able to purchase otherwise. Another driver used the fund to “buy the things we cannot afford under normal conditions, like a washing machine, for instance, for which we have zero chance to get bank loans.”

Overdue loans by Iran’s banks grew by 66 percent from last year according to Asghar Abolhassani, the deputy economy minister.

The Financial Times reported that an estimated 25 percent of bank loans are outstanding, making Iran’s banking system technically bankrupt. International sanctions are also blocking the country’s banks from accessing global financial markets for support.

“Stagnation has gripped many parts of the economy,” said Hamid Tehranfar, the central bank’s director-general for banking supervision.

Turning to savings clubs can be an excellent alternative saving and loans model, but it requires very specific trust guarantees in place to ensure the holder of the funds doesn’t just take the money. For those who can’t find somebody local they trust, there are a number of online social lending and fundraising alternatives for raising funds and borrowing money. These include Kiva (www.kiva.org), which connects poor people looking for loans with people around the world willing to lend.

As the crisis continues and banks and governments hoard wealth for their own needs to pay down debt, alternative sources of loans will become ever more important for the poor.

By David South, Development Challenges, South-South Solutions

Published: April 2010

Development Challenges, South-South Solutions was launched as an e-newsletter in 2006 by UNDP's South-South Cooperation Unit (now the United Nations Office for South-South Cooperation) based in New York, USA. It led on profiling the rise of the global South as an economic powerhouse and was one of the first regular publications to champion the global South's innovators, entrepreneurs, and pioneers. It tracked the key trends that are now so profoundly reshaping how development is seen and done. This includes the rapid take-up of mobile phones and information technology in the global South (as profiled in the first issue of magazine Southern Innovator), the move to becoming a majority urban world, a growing global innovator culture, and the plethora of solutions being developed in the global South to tackle its problems and improve living conditions and boost human development. The success of the e-newsletter led to the launch of the magazine Southern Innovator.  

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Cool Food for the Poor

A whole wave of hi-tech, innovative products are now being developed and marketed for the world’s poor. These products are designed to raise the quality of life of poor people and treat them as a market with real needs, rather than a mass of people to be ignored.

One of the major challenges of the 21st century is finding ways to make these products affordable for the poor – bringing significant development gains in health and quality of life – without increasing the burden on the world’s environment. In India, this vast new market is rapidly coming alive, with new marketing channels reaching deep into the country’s slums and aided by a lively media scene turning people on to new products.

India is turning its large number of well-trained engineers and product designers to the task of making relevant products for the country’s millions of rural poor.

An Indian refrigerator – the ChotuKool fridge (http://www.new.godrej.com/godrej/godrej/index.aspx?id=1) – is designed to stay cool for hours without electricity and to use half the power of conventional refrigerators. Priced at US $69, it is targeted at India’s poor – a population of over 456 million, almost half the total Indian population (World Bank).

Manufactured by Godrej and Boyce and weighing just 7.8 kilograms, it is designed around the stated needs of the poor, who wanted a fridge capable of cooling 5 to 6 bottles of water and 3 to 4 kilograms of vegetables. Portability was crucial as well, since it needed to be moved when large family gatherings take place in small rooms.

As a video shows (http://www.youtube.com/watch?v=dtCRlynp0bM), the fridge looks more like a drinks cooler than the typical large refrigerator. It works by replacing the standard compressor motor found in most fridges with a battery-powered heat exchanger.

A group of village women was involved in the design process from the beginning. The fridges are being distributed by a microfinance group.

While people in developed countries take it for granted they will have both a refrigerator and a steady supply of electricity, the world’s poor have few options for keeping food cool.

There is a strong economic advantage to refrigeration: many farmers have to throw away vegetables or sell at high discounts because they are quickly spoiling in the heat. By refrigerating, they can keep them fresh and get the higher price. For somebody living on less than US $2 a day, this is a big economic boost.

Keeping food cool also comes with health advantages: it slows bacterial (http://en.wikipedia.org/wiki/Bacteria) growth, which happens at temperatures between 4.4 degrees Celsius and 60 degrees Celsius. This is called ‘the danger zone’, when some bacteria double in just 20 minutes. But when a refrigerator is set below 4 degrees Celsius, most foods will be protected from bacteria growth (USDA).

Through refrigeration, the poor not only can avoid food poisoning, but also benefit from better quality foods, more dietary variety, and better take advantage of buying and storing food when prices are lower. For example, eggs in a refrigerator can last for up to five weeks. Fresh fish can be stored unfrozen for up to two days.

The quality of life improvements from refrigeration are obvious. But with conventional refrigerators costly and dependent on a steady supply of electricity, the poor will not buy them.

An Indian government survey in 2007/08 found daily pay in rural areas ranged from 45 rupees a day (US $1) to 110 rupees a day (US $2.40). This means the ChotuKool fridge costs between one and two month’s wages for a rural worker.

Some argue even the cost of the ChotuKool is still too prohibitive to many poor people. And there are other initiatives out there to offer low-tech solutions to cooling food.

In Nigeria, grassroots inventor Mohammed Bah Abba has designed a cooler called the Zeer (http://practicalaction.org/?id=zeerpots). It works like this: two ceramic earthenware pots of different sizes are arranged one inside the other. The space between the pots is filled with wet sand and kept moist. The user then places their drinks or vegetables inside and covers with a damp cloth. As the water from the moist sand evaporates (http://en.wikipedia.org/wiki/Evaporation), the air inside the centre pot is cooled several degrees, enough to preserve some foods and drinks.

Another Indian innovation is also targeting the rural poor consumer: a water filter. Called the Swach water purifier (http://www.tata.com/article.aspx?artid=TtOdcdNuSRk=), it is aimed at households and stands just less than 1 metre (just over 3 feet) in height. The filter is designed to do bulk water purification and is the result of 10 years’ research. It is aimed at the one billion people in the world who do not have access to clean water. It will sell for 1,000 rupees (US $21.50).

It is very slick and modern in design, with a mix of white and clear plastic, resembling the commonly used Brita (http://www.brita.net/) water filters found in many homes. It works by using ash from rice milling to filter out bacteria. The ash is impregnated with silver particles to kill germs that cause diarrhoea, cholera and typhoid. It is able to purify 3,000 litres of water before the cartridge needs to be replaced.

It is manufactured by the Indian industrial giant Tata.

“It was the pressing need of people trapped by the effects of natural disasters such as the (2004 Indian Ocean) tsunami that saw the deployment of one of the earliest versions of this product,” said Tata vice chairman S. Ramadorai. “A key part was the insight that a natural material like rice husk can be processed to significantly reduce water-borne germs and odours when impure water is passed through it.”

By David South, Development Challenges, South-South Solutions

Published: January 2010

Development Challenges, South-South Solutions was launched as an e-newsletter in 2006 by UNDP's South-South Cooperation Unit (now the United Nations Office for South-South Cooperation) based in New York, USA. It led on profiling the rise of the global South as an economic powerhouse and was one of the first regular publications to champion the global South's innovators, entrepreneurs, and pioneers. It tracked the key trends that are now so profoundly reshaping how development is seen and done. This includes the rapid take-up of mobile phones and information technology in the global South (as profiled in the first issue of magazine Southern Innovator), the move to becoming a majority urban world, a growing global innovator culture, and the plethora of solutions being developed in the global South to tackle its problems and improve living conditions and boost human development. The success of the e-newsletter led to the launch of the magazine Southern Innovator.  

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Info Ladies and Question Boxes: Reaching Out to the Poor

 

Quick access to accurate and useful information is crucial for development. With the remarkable spread of information around the world via the Internet – one of the greatest achievements of the 21st century – more than 1.5 billion people now use the Web to boost their incomes and opportunities (Internet World Stats).

For those lucky enough to be able to afford regular access to the Internet – as well as a computer and electricity – this new technology is a powerful tool for economic and social advancement. But what about people who are overlooked by technology companies because they are too poor, or too remote, or who are illiterate?

Two initiatives are bringing the benefits of information and communication technologies (ICTs) to the poor and the illiterate in ingenious ways.

Bangladesh’s (http://www.virtualbangladesh.com) ‘Info Lady’ scheme is the brainchild of D.Net (Development Research Network) (http://www.dnet-bangladesh.org/), a non-profit organization formed in 2001 to use information and communication technology (ICT) for economic development.

Info Ladies typically come equipped with a mobile phone, laptop computer, Internet modem, headphone, webcam, digital camera, and photo printer. They roam around remote villages on bicycles and are a one-stop access point for the rural poor for information, telephone calls and digital services like photography. And Info Ladies can also be Info Men, though this seems to be a problem because women have an easier time being invited into people’s homes.

One Info Lady is Luich Akhter Porag. She travels the countryside on her bicycle, equipped with a laptop computer, modem and a mobile phone, and can provide a commercial phone service, photography, livelihood information, knowledge services, international and local voice calls, video and animation and Internet resources.

When farmer Dula Miah had two of his cows bitten by a rabid dog, he was puzzled as to what to do. According to Bangladesh’s Daily Star newspaper, Info Lady Luich Akhter Porag came by to help. By using a software programme called ‘Jeeon’ (http://www.dnet.org.bd/MultimediaSoftware.php?BookType=8) – software designed to provide nine essential services to rural people –  Porag was able to identify the solution: a vaccine and a trip to the Sundarganj Veterinary Hospital.

Around 24 Info Ladies are now working in various villages in the districts of Gaibandha, Noakhali and Satkhira. The concept is effective: after receiving training in how to use the laptop computer and resources, they are dispatched on bicycles to remote villages to connect the poor and uneducated with crucial information.

D.Net started with something they called ‘Mobile Lady’ which used just mobile phones, but became frustrated with the limits of the service and decided to combine the phones with a laptop computer, effectively turning the women into mobile ‘telecentres’ (http://en.wikipedia.org/wiki/Telecentre).

Dr Ananya Raihan, executive director of D.Net, told The Daily Star that each Info Lady now earns between Tk 2,500 (US $36) and Tk 20,000 (US $290) per month. It has proven to be a good business for rural women, he said. And things are set to grow: “We are planning to increase the number of info ladies to 1,000 by year-end (2009).”

While traditional technology companies have stayed away from rural villages because it isn’t worth it for them to go there, the Info Ladies are simultaneously making money in the villages and connecting people to the outside world.

Porag says she has provided services to around 6,000 villagers.

“Now I earn more than Tk 2,500 (US $36) to Tk 3,500 (US $50) per month after becoming an info lady,” said Porag who started working as an Info Lady in June 2007.

Another initiative that is filling the gap between the needs of the poor and powerful information technologies is the Question Box (www.questionbox.org).

Pioneered in India – home to the largest number of illiterate people in the world: 304.11 million (Human Development Report) – the idea is brilliantly simple. An intercom-like white tin box with a phone inside is placed in a village’s public areas. Using the existing phone networks, the user just has to hit a simple button to get an operator at the other end. The operator sits in front of an Internet-enabled computer. The user just asks their question, and the operator turns these questions into search queries. When the computer’s search engine gives back answers, the operator selects the best one and then replies in the user’s native language and in layman’s terms.

The Open Mind Program’s Question Box Project opened its first Box in September 2007 and now operates in Pune, Maharashtra.

It has also expanded to Uganda, where the Question Box and Grameen Foundation (http://www.grameenfoundation.org/) have partnered to bring what they call AppLab Question Box (AQB) to rural Uganda. AQB is a live, local-language telephone hotline service that brings the Internet to the fields and market stalls in Uganda where there are no computers.

The Question Box is based on an idea from Rose Shuman, a business and international development consultant. Shuman had become frustrated that with all the clever people and vast sums of money going into information technology, few were developing low-cost ways to take the power of computers to the people.

Following the constant improvement approach favoured in information technology, the Box is now in its third iteration. One of the adjustments made has been the switch to solar power for the boxes because the electricity grid was too unreliable, according to Shuman.

By David South, Development Challenges, South-South Solutions

Published: September 2009

Development Challenges, South-South Solutions was launched as an e-newsletter in 2006 by UNDP's South-South Cooperation Unit (now the United Nations Office for South-South Cooperation) based in New York, USA. It led on profiling the rise of the global South as an economic powerhouse and was one of the first regular publications to champion the global South's innovators, entrepreneurs, and pioneers. It tracked the key trends that are now so profoundly reshaping how development is seen and done. This includes the rapid take-up of mobile phones and information technology in the global South (as profiled in the first issue of magazine Southern Innovator), the move to becoming a majority urban world, a growing global innovator culture, and the plethora of solutions being developed in the global South to tackle its problems and improve living conditions and boost human development. The success of the e-newsletter led to the launch of the magazine Southern Innovator.  

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Solar Powered Village Kick-Starts Development Goals

More than 1.7 billion people around the world have no domestic electricity supply, of whom more than 500 million live in sub-Saharan Africa (World Bank). Without electricity, many development goals remain dreams that will never be achieved.

But in a first for India, a village is now entirely powered by solar energy, kick-starting its development and reversing the decline commpoon to many villages.

Rampura village in the state of Uttar Pradesh (http://en.wikipedia.org/wiki/Uttar_Pradesh) had previously been without electricity. But its move to solar power has boosted school performance, brought new economic opportunities for women, and even made the buffalo produce more milk! By getting up early, the buffalo can be fed more before day breaks.

Being able to see at night unleashes a vast range of possibilities, but for the very poor, lighting is often the most expensive household expense, soaking up 10 to 15 percent of income.

There’s a direct link between lighting and economic development. Each 1 per cent increase in available power will increase GDP by an estimated 2 to 3 per cent.

In India, 600,000 villages still lack electricity. Despite the country’s impressive economic gains – growth of over 9 percent per year for the last three years, although that rate is now slowing – the levels of poverty in the country’s villages have driven millions to flee to the sprawling slum zones of India’s cities.

Rampura was set up with solar power by a project of Development Alternatives (http://www.devalt.org/), a New Delhi-based NGO working on promoting “sustainable national development”. Using US $1,406,000 from Norwegian solar power company Scatec Solar (http://www.scatecsolar.no/), it installed 60 solar panels to power 24 batteries. The village’s 69 houses are directly connected to the solar plant.

According to Greenpeace (http://www.greenpeace.org/international/), India could generate 10 percent of its electricity from solar power by 2030.

Manoj Mahata, the project’s programme director, said half of India’s 600,000 villages without electricity can now have the option of solar power.

A steady electricity supply means children are extending their study time past daylight hours. Nine-year-old Aja told the Sunday Times: “I like watching television and the light at night means I can read.”

For women, the light brought by electricity means they can take on new business opportunities to boost income. “I want to start a sewing business with other women to make tablecloths and blouses,” said mother of three Gita Dave.

“Even the buffalo are producing more milk because people can feed before dawn,” said Ghanshyam Singh Yadav, president of Rampura’s energy committee.

“This is not rocket science. This is simple,” says Katja Nordgaard, director for off-grid projects at Scatec.

“The model is relatively cheap, and it is easy to operate and maintain. It can be built in three to four weeks, and can easily be scaled up if the demand for electricity increases.

“People in India are already paying when they need to charge cell phones, and for the kerosene they use in their lamps. The willingness to pay for energy is relatively high here, especially when that energy is reliable.”

In Bangladesh, more than 230,000 households are now using solar power systems thanks to the government’s Infrastructure Development Company Ltd. (IDCOL), giving rise to opportunities for a whole new generation of entrepreneurs to make use of this new power supply for the poor. IDCOL is run by the Ministry of Finance, and is on course to install 1 million Solar Household Systems (SHS) using solar panels by 2012. The Bangladeshi government is hoping to bring electricity to all its citizens by 2020 – meaning this is now a prime time for entrepreneurs specializing in providing energy efficient products to the poor.

Another initiative to boost development in India’s rural villages is the concept of the Model Village India (www.modelvillageindia.org.in), previously profiled by Development Challenges (November 2008).

By David South, Development Challenges, South-South Solutions

Published: April 2009

Development Challenges, South-South Solutions was launched as an e-newsletter in 2006 by UNDP's South-South Cooperation Unit (now the United Nations Office for South-South Cooperation) based in New York, USA. It led on profiling the rise of the global South as an economic powerhouse and was one of the first regular publications to champion the global South's innovators, entrepreneurs, and pioneers. It tracked the key trends that are now so profoundly reshaping how development is seen and done. This includes the rapid take-up of mobile phones and information technology in the global South (as profiled in the first issue of magazine Southern Innovator), the move to becoming a majority urban world, a growing global innovator culture, and the plethora of solutions being developed in the global South to tackle its problems and improve living conditions and boost human development. The success of the e-newsletter led to the launch of the magazine Southern Innovator.  

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DIY Solution Charges Mobile Phones with Batteries

There are now more than 3.5 billion mobile phones in use around the world. In the past five years, their use and distribution has exploded across the global South, including in once hard-to-reach places in Africa. In fact, Africa is the world’s fastest growing mobile phone market. Over the past five years the continent’s mobile phone usage has increased at an annual rate of 65 percent – twice the rate of Asia.

The world’s poor are creative users of mobile phones, adapting these powerful tools to help with business, saving and spending money, and communicating with the outside world. As powerful as mobile phones are, they need electricity to stay functioning. And it is the struggle to find a steady supply of electricity that vexes many in the South.

There are wind-up mobile phone chargers, solar powered chargers (http://tinyurl.com/bg3wac), and mobile phone chargers you wave about. But most of these devices are, to someone who is poor and living in the South, expensive and hard to find. So what to do when it is not possible to buy a solar powered mobile phone charger?

Necessity is the mother of much invention. And one inventing mother is Mrs. Muyonjo, a housewife in a remote village of Ivukula in Iganga district, Eastern Uganda. She used to ride her bicycle for 20 miles in order to get to the nearest small town with an electricity charger for her mobile phone battery.

If that wasn’t a struggle enough, she was one day deceived by a vendor running a village battery charger.

“I will never give my telephone to the village battery chargers again,” she told the Women of Uganda Network (www.wougnet.org). “I gave them my new phone for charging, and they changed my battery and instead returned to me an old battery whose battery life can only last for one day.”

Ripped off by the vendor and unable to find the money or time to charge the battery daily, she decided to find an alternative charging solution.

“I looked at what was readily available to me and came up with my own charger. I devised this method to enable me to charge my battery every day. It works perfectly.”

A simple solution that shows there is no need to be a prisoner of technology, just its adaptor.

By David South, Development Challenges, South-South Solutions

Published: February 2009

Development Challenges, South-South Solutions was launched as an e-newsletter in 2006 by UNDP's South-South Cooperation Unit (now the United Nations Office for South-South Cooperation) based in New York, USA. It led on profiling the rise of the global South as an economic powerhouse and was one of the first regular publications to champion the global South's innovators, entrepreneurs, and pioneers. It tracked the key trends that are now so profoundly reshaping how development is seen and done. This includes the rapid take-up of mobile phones and information technology in the global South (as profiled in the first issue of magazine Southern Innovator), the move to becoming a majority urban world, a growing global innovator culture, and the plethora of solutions being developed in the global South to tackle its problems and improve living conditions and boost human development. The success of the e-newsletter led to the launch of the magazine Southern Innovator.  

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