Pandit Jawahar Lal Nehru, the first Prime Minister of India once said, “when a woman moves forward, the family moves, the village moves and the nation moves.”

A woman's livelihood gives her an economic status and means to contribute equally in running her family and in taking important decisions. Entrepreneurship among women, undoubtedly improves the state of the family and eventually impacts the wealth of the nation. However, according to the International Labour Organization, India ranks among the bottom 20 countries in female labour force participation in a list of 131 countries in the world.

Humana People to People India (HPPI) is working towards reducing this gap by empowering women with right skills and providing Microfinance to start up their own income-generating ventures. HPPI Microfinance was started in 2007 to enable economic empowerment of rural women. Humana Microfinance uses the group lending model where poor women guarantee each other’s loans and also undergo a financial literacy training.

In September 2018, Pinky from Takdi, Rewari in Haryana decided to start a readymade garment enterprise of her own. She had attended HPPI’s start-up entrepreneurial training under UNDP India’s Disha project and was determined to start her entrepreneurial journey, even if it was a small start. Along with the start-up entrepreneurial training, Pinky enquired about a loan and she was supported by HPPI’s microfinance initiative with a loan of Rs. 30,000.

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Similarly, in Sekhpura village in Mahendargarh, Haryana, Nirmal Devi who lives with her husband and two children approached HPPI microfinance to take a loan and start a cosmetic shop from the premises of her home. Due to financial constraints, Nirmal could not complete her schooling and was married off at a very young age. Her husband’s income from cattle rearing was hardly enough to make ends meet but Nirmal couldn’t help him in any way until she came in contact with the microfinance programme through a field executive. She took a loan of Rs 15,000 under the Self-Help Group (SHG) model and using this money, she started running a cosmetic shop which brought a big difference in her and her family’s day-to-day life.

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Since its launch, HPPI Microfinance has reached out to more than 2,60,000 poor households. Alone in 2018, INR 125 crore (USD 18.56 million) was disbursed to 71,248 women, including 40,248 new women members. The women were also taught to manage their cash flow to run their business efficiently and enhance their income. The increased income through the women’s income generating activities has contributed positively towards social mobility, increased assets, better prospects for their children’s education and improved standard of living, including improved family health and sanitation.

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About HPPI

Humana People to People India is a development organization registered as a not-for-profit company under section 25 of the Companies Act, 1956 as of 21st May 1998. It is a non-political, non-religious organization. Its mission is to unite with people in India in order to create development in the broadest sense through the implementation of the projects that aim at transferring knowledge, skills and capacity to individuals and communities who need assistance to come out of poverty and other dehumanizing conditions.

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Humana People to People India
111/9-Z, Kishangarh, Aruna Asaf Ali Marg,
Vasant Kunj, New Delhi-110070 Tel: 011-4746-2222
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