Yes bank - say to inclusive and social banking and inclusive business model
- Monitoring, Evaluation and Learning
- by CSR Asia
- 26 Oct, 2015
Despite of the efforts made by banks in India to reach out to rural areas in recent years, India remains a highly unbanked country, with more than half of the population financially excluded. In 2004, Mr. Rana Kapoor left his job at a multinational bank and started YES BANK with a vision of driving inclusiveness and sustainability across India, and to serve the 600 million unbanked people.
YES BANK has an Inclusion and Social Banking (ISB) division that specialises in engaging the unbanked and under-banked populations in India. It uses sophisticated financial tools and adopts advanced technologies that are traditionally available only to big businesses, to develop offerings for the marginalised poor.
Approach
Launched in September 2011, YES Livelihood Enhancement Action Programme (YES LEAP) was one of the pioneer programmes that paved the way for many of the other financial inclusion products and services developed by the ISB division. YES LEAP provides comprehensive financial services, including credit, savings and micro-insurance, to women Self Help Groups (SHG). These groups are typically comprised of 10-20 women from local villages that make small regular contributions to a common fund. As the fund grows, money can be lent back to group members to meet their needs.
As indicated in the diagram, YES LEAP adopted a pioneer Business Correspondents (BCs) model. The BCs, which include NGOs, Self Help Promoting Institutions (SHPI) and SMEs that had already established long-term and credible connections with the SHGs, serve as an important nodal point for the facilitation of YES BANK’s financial inclusion services. The BCs typically provide financial inclusion education to the SHGs and help to introduce YES BANK’s products and services to the SHGs. After getting SHGs on board with the YES LEAP programme, the BCs are also involved in providing training to the SHGs and facilitate document collection and distribution. As a return for the BCs’ facilitation, YES BANK pays a commission fee, which is around 40-50% of the interest rate that the bank receives from the SHGs.
What also differentiates YES BANK from other existing lending channels is how it designs its products to adapt to the capability and demand of the women SHGs. Usually the most convenient way to borrow money for people in remote rural villages is from informal lenders in the villages that extend loans at an interest rate as high as 100%. While micro-finance institutions which are becoming more prevalent in recent years offer a lower interest rate than usuries, it is still difficult for women in rural villages to access credit as individuals because collateral is often needed. YES LEAP closes this gap through providing an unsecured group loan to women SHGs, offering an interest rate comparable to or even lower than micro-finance institutions. The nature of SHGs also ensures that each woman involved in these groups can have access to the fund when in need.
Outcomes
After four years of development, the YES LEAP programme has reached over 1.3 million women customers across 5,000 villages and disbursed a total of US$ 500 million in loans. The loan repayment rate is close to 100%. As mentioned by Mr. Sushanta Tripathy, vice president of the ISB division at YES BANK, considering the multiplier effect, YES LEAP’s cumulative disbursement has influenced almost US$1.5 billion in the Indian economy. Moreover, YES LEAP has made immeasurable impact on the women involved, contributing to the social empowerment and financial security of women, as well as enabling women entrepreneurs to develop their own businesses.
YES BANK has 42 partner BCs, with over 700 branches across 19 states in the country. The partnership and connection with SHGs has also enhanced YES BANK’s regional expansion, enabling other financial inclusion products to reach the rural villages. For example, YES BANK developed YES Kisan Dairy Plus, which provides an instant, secure and traceable payment solution specifically for farmers in rural areas. The access to women SHGs was of great value in introducing the YES Kisan Dairy Plus solution to the farmers that are either part of the SHGs or the relatives of SHG members.
Key Success Factors
• Business Correspondent model It has always been a challenge for banks to get access to remote rural villages due to physical barriers. It is essential that YES BANK managed to find the right grassroots partners that understand the financial inclusion needs and can also effectively facilitate with distribution and training activities. The effective feedback loop at the grassroots level also helps YES BANK improve the affordability and accessibility of the products and services.
• Real-time monitoring technology Very few banks in India have pushed the technology agenda like YES BANK. As the network of BCs and customers expanded, YES BANK was faced with the challenge of monitoring and tracking the programme in a timely manner. To tackle this challenge, YES BANK tapped into a vast network of service providers and invested in a real-time internet based communication system. This enables effective communication between YES BANK and the BCs across the country and also enhances the bank’s risk control mechanism.
Lessons Learned and Future Plans
In four years, YES BANK has grown into the leading social and inclusive banking service provider in India with an extensive network of low-income customers. However, YES BANK continues its innovation efforts – not only in relation to technology, but also in understanding the ever changing demands of customers. According to Mr. Tripathy, YES BANK has set a target to double the amount of loan disbursement under YES LEAP every year over the next 3-5 years. “The more customers we have, the higher expectations we receive. As customers have more access to credit, their needs will also evolve. We cannot afford stopping where we are - we need more innovation to adapt to our customers’ demand.”
In December 2014, YES BANK announced that it raised a loan of US$200 million from the Asian Development Bank (ADB) to take forward its objective of financial inclusion in India. The bank also received US$1 million in aid to improve its real-time monitoring platform. This is expected to strengthen YES BANK’s position in expanding its financial inclusion services across India.
The India Responsible Business Forum (IRBF) Index 2015 is an initiative by Oxfam India in partnership with Corporate Responsibility Watch, Praxis and Partners in Change, non-profits which look at corporate accountability and business responsibility.
References
1.ADB (2014), “ADB $200 million loan to YES BANK helps rural women, small-holder farmers”. http://www.adb.org/news/adb-200-million-loan-yes-bank-helps-rural-women-small-holder-farmers (accessed September 24, 2015)
2.Asli Demirguc-Kunt, Leora Klapper, Dorothe Singer and Peter Van Oudheusden (2015), “The Global Findex Database 2014 : measuring financial inclusion around the world,” World Bank Group. http://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2015/04/15/090224b082dca3aa/1_0/Rendered/PDF/The0Global0Fin0ion0around0the0world.pdf (accessed September 30, 2015)
3.First Post (2013), “YES Bank’s Kapoor explains why getting a bank license is a long haul for aspirants”. http://www.firstpost.com/business/getting-a-bank-licence-a-long-haul-for-aspirants-says-yes-bank-844165.html (accessed September 30, 2015)
4.Interview with Mr. Sushanta Tripathy, vice executive president of ISB Division at YES BANK on October 15, 2015.
5.Mohd Mustaquim (2015), “Mobile technology shaping agriculture,” Rural Marketing. http://www.ruralmarketing.in/industry/agriculture/mobile-technology-shaping-agriculture (accessed September 30, 2015)
6.Namita Vikas (2015), “Innovation in Sustainable Finance,” European Organisation for Sustainable Development (EOSD). http://www.eosd.org/en/gsfc2015/day1/Namita_Vikas_Yes_Bank.pdf (accessed September 30, 2015)
7.Navi Radjou, Jaideep Prabhu and Simone Ahuja (2010), “In India, Looking for a Sustainable Capitalism,” Havard Business Review. https://hbr.org/2010/05/in-india-looking-for-a-sustain (accessed September 24, 2015)
8.Raghav Narsalay and Ryan T. Coffey (2013), “Inclusive business initiatives: Scaling innovation for an emerging middle class,” Accenture. https://www.accenture.com/t20150522T061605__w__/us-en/_acnmedia/Accenture/Conversion-Assets/Outlook/Documents/1/Accenture-Outlook-Inclusive-Business-Initiatives-Scaling-Innovation-For-An-Emerging-Middle-Class.pdf#zoom=50 (accessed September 24, 2015)
9.World Forum Lille (2010), “Yes Bank: When financial solutions help solve social problems,” BipiZ. http://www.bipiz.org/en/advanced-search/yes-bank-when-financial-solutions-help-solve-social-problems.html (accessed September 29, 2015)
10.YES BANK website (2014), “YES BANK raises USD 200 mn unsecured loan from Asian Development Bank”. https://www.yesbank.in/media-centre/press-releases/fy-2014-15/yes-bank-raises-usd-200-mn-unsecured-loan-from-asian-development-bank.html (accessed September 24, 2015)
11.YES BANK (2014), “The YES Bank story: Building the finest quality bank of the world in India”. https://www.yesbank.in/images/all_pdf/YBLStoryNew_17Nov2014.pdf (accessed September 24, 2015)
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Sep 27, 2019 | ursila
Stories of Change: Breaking Boundaries at Home
Oct 24, 2019 | ursila
Stories of Change: Rise. Resist. Rebel
Oct 1, 2019 | ursila
Stories of Change: Celebrating our feminist heroes
Nov 14, 2019 | ursila
3 Innovations in Disaster Risk Reduction in India you should know about
Oct 24, 2019 | ursila
Oxfam India Disaster Risk Reduction Program Continues
Oct 1, 2019 | Anisha
Oxfam India Builds Water Solution in Disaster Prone Areas
Oct 24, 2019 | Anisha
A Second Chance at Life
Oct 7, 2019 | Anisha
5 books that will change the way you see the world around you
Oct 7, 2019 | ursila
Meet these 3 Warriors who are Fighting Inequality through Education
Apr 5, 2019 | ursila
Meet these 3 Warriors who are Fighting Inequality through Education
Nov 18, 2019 | Anisha
Oxfam India’s innovation building resilient communities.
Sep 9, 2019 | Anisha
Is ineffective healthcare system affecting lives?
Sep 10, 2019 | Anisha
Breaking the shackles of domestic violence
Nov 21, 2019 | Anisha
Listening To The Unheard Voices Of India
Oct 7, 2019 | Anisha
Empower Women, Empower Nation- Oxfam India on International Women’s day
Sep 10, 2019 | Anisha
Yet another International Women’s Day, Yet another Struggle
Sep 27, 2019 | ursila
15 shocking facts about inequality in India
Oct 24, 2019 | ursila
NGOs Strengthening the Education System in India
Sep 20, 2022 | Anisha
Oxfam India’s Humanitarian Champions
Nov 11, 2019 | Anisha
Changing Social Norms Through Education
Oct 7, 2019 | Anisha
The Power of Courage
Oct 24, 2019 | Anisha
Healthcare Awareness Saves Lives
Oct 1, 2019 | Anisha
A World Free From Violence Against Women
Sep 10, 2019 | Anisha
BRIDGING THE GAP
Oct 24, 2019 | Anisha
DISABLING THE DISABILITY
Oct 30, 2019 | Anisha
Children are paying the price of Tax Robbery. Help Stop This. Give A Missed Call on 70977 70977
Oct 1, 2019 | ursila
India’s children are paying the price of Tax Robbery
Oct 24, 2019 | ursila
Reel & Real: Blurred Lines between Cinema and Reality- Notes from Women In Films brunch at Jio MAMI Film Festival
Oct 30, 2019 | ursila
Oxfam Gave Relief to Over 82,000 Lives
Oct 30, 2019 | Anisha
Picture Abhi Baqi Hai, Behena
Oct 1, 2019 | ursila
Assam Drowns Again
Sep 27, 2019 | Anisha
A Long Road Home
Oct 7, 2019 | Anisha
Oxfam India’s letter to President of India requesting affirmative action on passing Women’s Reservation Bill in Parliament.
Sep 10, 2019 | oxfamadmin
Women Representation in Political Decision Making: A Catalyst to achieving Gender Equality
Oct 24, 2019 | ursila
Will Fear of ‘Failing’ Make India Literate?
Sep 27, 2019 | ursila
WATER IS LIFE
Nov 18, 2019 | Anisha
Building bridges: The journey of a teacher par excellence
Oct 7, 2019 | ursila
Examining humanitarian aid through the gender lens
Oct 24, 2019 | ursila
The pathways to gender equality are far from straight
Oct 7, 2019 | ursila
The changing world of humanitarian work
Sep 10, 2019 | ursila
Can India be a Leader in Disaster Risk Reduction Measures in Asia?
Oct 7, 2019 | ursila
A struggle for survival: Assam Floods
Nov 11, 2019 | Anisha
Lessons to be learnt from the Gorakhpur tragedy
Oct 24, 2019 | ursila
Is Section 498A anti women?
Nov 11, 2019 | ursila
The Irresistible & Oppressive Gaze: A Survey Report by Oxfam India
Oct 24, 2019 | oxfamadmin
North East Floods: How you can help those affected?
Oct 1, 2019 | Ravi
Oxfam is responding in Assam Floods 2017
Oct 1, 2019 | Ravi
Lipstick Under My Burkha Official Trailer - Winner of Oxfam's Best Film on Gender Equality Award
Sep 27, 2019 | Ravi
Sourcing Life
Oct 7, 2019 | Anisha
MEETING TOILET TARGETS
Oct 7, 2019 | oxfamadmin
Disaster Changed Her Life
Oct 24, 2019 | Anisha
#HaqBantaHai Campaign on Access to Free Medicine: Bihar
Sep 10, 2019 | Anisha
Be The New Norm
Oct 7, 2019 | Ravi
Oxfam India’s Recommendations for National Policy for Women
Sep 27, 2019 | Ravi
The Greatest Earning: EDUCATION
Dec 5, 2019 | Anisha
Women Farmers or Labourers?
Oct 24, 2019 | Avantika
Farewell Dirty Water
Jan 9, 2020 | Avantika
Clean Water Can Save Lives
Oct 24, 2019 | Avantika
Making men an ally on women's rights
Oct 24, 2019 | Avantika
'Initially the men opposed. They thought we women were being disruptive.'
Oct 1, 2019 | Avantika
Tax havens resist reforms one year on from Panama Papers exposé
Oct 1, 2019 | Avantika
इख़्तियार
Oct 24, 2019 | Avantika
Lessons from the Grassroots
Sep 10, 2019 | Avantika
This is What Child Marriage Looks Like
Nov 18, 2019 | Avantika
Oxfam India Held Youth Festivals In Lucknow And Raipur
Sep 9, 2019 | Avantika
Oxfam at the North-East Disaster Risk Reduction Conclave 2017
Sep 9, 2019 | Avantika
Finding Solutions to Early and Forced Marriage
Sep 27, 2019 | Avantika
Silence Has No Honour
Sep 27, 2019 | Avantika
Solidarity Is Our Weapon- The International Women’s Strike
Oct 24, 2019 | Avantika
4 reasons why Oxfam supports the International Women’s Strike on the 8th March
Oct 24, 2019 | Avantika
Union Budget 2017-18: Neglected Social Sector
Sep 10, 2019 | Avantika
Putting Data at the Heart of Business Responsibility
May 13, 2019 | Avantika
Mainstreaming DRR in Local Development Plans to Reduce Aid Dependency
Oct 1, 2019 | Avantika
Union Budget 2017-18: A Look at the Health Sector
Apr 5, 2019 | Avantika
खेल - जेण्डर आधारित असमानताओं को उजागर करने को एक सषक्त माध्यम
Apr 5, 2019 | oxfamadmin
Why Brazil should not take a U-turn on its health system
Oct 7, 2019 | Avantika
Your questions answered: Oxfam’s Inequality report
Oct 1, 2019 | Avantika
Unpacking the Risks of Doing Business in India
Nov 14, 2019 | Avantika
We Never Learn
Sep 27, 2019 | Ravi
Promote men’s involvement for changing social norms
Oct 24, 2019 | Avantika
Ten years of the Forest Rights Act: Opportunity lost?
Oct 1, 2019 | oxfamadmin
Meet the Bravehearts Standing Up Against Domestic Violence
May 27, 2020 | oxfamadmin
Addressing Violence Against Women and Girls the SAARC Way: Combat Human Trafficking
Sep 10, 2019 | oxfamadmin
Oxfam India’s journey from programme to campaign
Oct 24, 2019 | oxfamadmin
सामाजिक मान्यताओं को चुनौती देता संगठन
Dec 5, 2019 | oxfamadmin
Changing The World – One Couple At A Time
Oct 24, 2019 | oxfamadmin
A Lesson on Education from Uttar Pradesh
Oct 7, 2019 | oxfamadmin
Fair Sharing of Mining Revenue for the Tribals
Oct 24, 2019 | oxfamadmin
An Open Letter to Chhotu, Munna and Bachcha
Jun 12, 2020 | oxfamadmin
Educating the Educators
Sep 27, 2019 | oxfamadmin
10 Years of Domestic Violence Act: The Way Ahead
Oct 24, 2019 | oxfamadmin
Oxfam Best Film on Gender Equality Award Gets Grand Reception
Sep 27, 2019 | oxfamadmin
Wrestling Social Norms Out
Oct 3, 2019 | oxfamadmin
The Toilet Conundrum
Oct 24, 2019 | oxfamadmin
Inequality in India: what's the real story?
Sep 27, 2019 | oxfamadmin
Making surface water safe for drinking
Oct 1, 2019 | oxfamadmin
Quality Education- The unfinished agenda of RTE Act
Sep 27, 2019 | oxfamadmin
Tale of Two Women
Sep 27, 2019 | oxfamadmin
Prioritising the Health of our Children
Oct 24, 2019 | oxfamadmin
Violence in women’s own backyard
Sep 9, 2019 | oxfamadmin
We failed yet again
Sep 10, 2019 | oxfamadmin
Providing access to iron-free drinking water
Oct 7, 2019 | oxfamadmin
Her Series - Tale of Buguru Chitamma: How a cooperative transformed fisher women into leaders
Oct 24, 2019 | oxfamadmin
Why the CAF bill conflicts with the Forest Rights Act?
Oct 7, 2019 | oxfamadmin
Renew to Live Anew
Sep 9, 2019 | oxfamadmin
What do we want: Health as a ‘Right’ or just an ‘Assurance’
Nov 18, 2019 | oxfamadmin
Oxfam International signs historic deal to move to Nairobi, Kenya
Oct 24, 2019 | oxfamadmin
Why is passing the Women’s Reservation Bill urgent?
Sep 19, 2023 | oxfamadmin
BREXIT & What It Means for Humanitarian Aid
Oct 7, 2019 | oxfamadmin
Rahul Bose: Films should be gender sensitive
Oct 24, 2019 | oxfamadmin
Portrait of a Teacher: Successful introduction of multi-lingual education for Odisha’s tribal communities
Nov 6, 2019 | oxfamadmin
Tax dodging is a crime against developing countries
Sep 10, 2019 | oxfamadmin
Signs of social risks impacting Indian businesses
Oct 7, 2019 | oxfamadmin
Tikamgarh revisited, what’s happened to the amazing fishing communities I visited in 2006?
Jan 9, 2020 | oxfamadmin
Where school means freedom
Sep 10, 2019 | oxfamadmin
Yes, Prime Minister
Oct 30, 2019 | oxfamadmin
India’s National Budget 2016-17: Missed Opportunity to Address Inequality?
Oct 1, 2019 | oxfamadmin
Free The Night
Sep 9, 2019 | oxfamadmin
Woman, Open Your Eyes…
Oct 24, 2019 | oxfamadmin
From Darbhanga to Davos: Access to Affordable Medicine Still Remains a Key Question
Dec 16, 2019 | oxfamadmin
Hoping for a Second Chance: Punita Devi
Sep 27, 2019 | oxfamadmin
Activating Youth in Lucknow to Promote Girls’ Education
Sep 27, 2019 | oxfamadmin
Change is Coming: Rani Bitti’s Story
Sep 10, 2019 | oxfamadmin
Rachna’s Fight for Justice
Oct 7, 2019 | oxfamadmin
3 Key Observations from #WEF2016 that Indian Businesses Must Take Note Of
Sep 27, 2019 | oxfamadmin
Here’s Why States Need to Provide Free Basic Medicines
Nov 18, 2019 | oxfamadmin
Update: Oxfam to Provide Shelter to 300 Households Hit by The Manipur Earthquake
Apr 5, 2019 | oxfamadmin
In El Salvador, a struggle to survive El Niño
Oct 24, 2019 | oxfamadmin
Bihar designs a 15-year roadmap to reduce risk of disaster
Feb 20, 2020 | ursila
Violence as an Effective Mode of “Indian” Communication
Apr 5, 2019 | oxfamadmin
Because it’s 2015!
Sep 27, 2019 | oxfamadmin
Let’s welcome a new dawn, minus domestic violence
Oct 24, 2019 | oxfamadmin
Data and Discrimination: Women’s Ownership of Assets in India
Oct 24, 2019 | oxfamadmin
“No Woman, No Cry!”
Sep 27, 2019 | oxfamadmin
Pushing, pulling and the power of people: new horizons for corporate responsibility?
Jan 9, 2020 | oxfamadmin
Creating shared value through inclusive business
Oct 7, 2019 | oxfamadmin
TATA consultancy services – empowering farmers with mobile technology
Sep 27, 2019 | oxfamadmin
What the CSR numbers don’t tell
Oct 1, 2019 | oxfamadmin
6 important things companies need to do to be inclusive
Nov 21, 2019 | oxfamadmin
Why businesses need to invest in creating a productive population for a sustainable future
Sep 10, 2019 | oxfamadmin
Jaipur rugs – weaving the lives of the poor into the global markets. an inclusive business model.
Oct 24, 2019 | oxfamadmin
The next 15 years: highlighting the role of the private sector in development
Oct 7, 2019 | oxfamadmin
Emphasizing a human rights-based approach to inclusiveness in business
Oct 30, 2019 | oxfamadmin
Privatising Forests: A Bad Idea
Oct 30, 2019 | oxfamadmin
Adoption of Agenda 2030: 17 SDGs for 15 years
Nov 15, 2019 | oxfamadmin
Five questions about the #GlobalGoals you were too embarrassed to ask
Oct 7, 2019 | oxfamadmin
Last mile smile
Oct 7, 2019 | oxfamadmin
Social responsibility of companies should not stop at 2%
Sep 27, 2019 | oxfamadmin
In ‘campaign mode’, states flout FRA rules
Sep 27, 2019 | oxfamadmin
“I will not leave my forest. I will keep my jungle”
Oct 1, 2019 | oxfamadmin
Healthcare for all in India: When, How, and Why RSBY?
Oct 24, 2019 | oxfamadmin
Where is the nutrition? Ask pregnant women in a village of Bihar
Jan 9, 2020 | oxfamadmin
Learning to read at schools, but where are the textbooks?
Oct 24, 2019 | oxfamadmin
Progressive tax norms must underlie financing of the Sustainable Development Goals
Sep 27, 2019 | oxfamadmin
Teachers needed! Government schools are falling behind due to lack of funds
Oct 24, 2019 | oxfamadmin
Protect and expand India’s public healthcare system: The inequality imperative
Dec 16, 2019 | oxfamadmin
“On My Second Day At School, A Kid Asked Me What Caste I Was”
Oct 7, 2019 | oxfamadmin
India’s missing girls: A tale of healthcare neglect faced by girls
Sep 9, 2019 | oxfamadmin
Should we only give attention to women’s health on International day of action?
Nov 18, 2019 | oxfamadmin
No respite for 72-year-old Sitaram, a month after #NepalEarthquake
Oct 7, 2019 | oxfamadmin
One month on, education of children still jolted by Nepal earthquake
Oct 24, 2019 | oxfamadmin
New worry for Nepal; landslides, floods may block relief work
Oct 7, 2019 | oxfamadmin
Monsoon preview in Kathmandu blows away shelters in relief camp
Oct 1, 2019 | oxfamadmin
Last mile distribution of relief supplies is biggest challenge in Nepal: Indian ambassador
Oct 7, 2019 | oxfamadmin
When Delhi’s Streets Buzzed with ‘Haq Banta Hai’
Oct 7, 2019 | oxfamadmin
Lack of water, toilets making things worse for women in Nepal
Oct 7, 2019 | oxfamadmin
Oxfam India gets government approval to respond to #NepalEarthquake in 28 hours
Apr 5, 2019 | oxfamadmin
Desperation creeping in, people in Nepal wait for aid
Oct 7, 2019 | oxfamadmin
#OxfaminNepal: “More than 60,000 litres of water has been provided till now”
Oct 7, 2019 | Avantika
Political (and some other) priorities in Nepal as of 28 April 2015
Oct 30, 2019 | oxfamadmin
#Nepal Earthquake: “The death toll has crossed 2000 and this is just the beginning”
Jan 9, 2020 | oxfamadmin
#NepalEarthquake: It is going to be a long road to recovery
Oct 24, 2019 | oxfamadmin
Money Matters!
Oct 24, 2019 | oxfamadmin
All for Education, Education for All
Oct 7, 2019 | oxfamadmin
When schools continue to exclude, can education reduce caste discrimination in India?
Feb 20, 2020 | oxfamadmin
Ensuring the right to education, forming bonds for life
Oct 1, 2019 | oxfamadmin
How can India send a spaceship to Mars but not educate its children?
Sep 30, 2019 | oxfamadmin
India wins in cricket, but losing out on education
Sep 30, 2019 | oxfamadmin
Oxfam's 'Even it up' report a must read lesson on Inequality
Oct 24, 2019 | oxfamadmin
It’s time to understand ‘womanhood is beyond maternity’
Oct 7, 2019 | oxfamadmin
The True Measure of Land's Value
Oct 7, 2019 | oxfamadmin
The “Ten-thousand Committee”: Reviving VHSNCs in Jharkhand
Oct 1, 2019 | oxfamadmin
Singing their way out of child marriage
Sep 10, 2019 | oxfamadmin
Land Acquisition bill tests government’s pro-poor stance
Oct 1, 2019 | oxfamadmin
Breaking the silence, standing tall
Sep 27, 2019 | oxfamadmin
Making a Song and Dance about Child Marriage
Oct 7, 2019 | oxfamadmin
Let’s Talk About Sex
Sep 10, 2019 | oxfamadmin
Mobile technology solutions could be a game changer for maternal health: Scribes
Sep 27, 2019 | oxfamadmin
Missing Girls: The Puzzling Domestic Violence Agenda
Oct 3, 2019 | oxfamadmin
Her Ghar: A right to residence for every woman
Oct 7, 2019 | oxfamadmin
Considering Gender: A Mediaperson’s Guide to Covering Disasters
Dec 16, 2019 | oxfamadmin
True Grit
Apr 5, 2019 | oxfamadmin
Violence against women and star power: Does their magic wand work?
Oct 24, 2019 | oxfamadmin
Having Those Difficult Conversations
Oct 24, 2019 | oxfamadmin
Day of the Man: guarding the china shop
Oct 7, 2019 | oxfamadmin
Gender parity needs to begin at home with mother’s guardianship rights!
Sep 9, 2019 | oxfamadmin
It’s a Girl!
Oct 1, 2019 | oxfamadmin
Let’s Help End Domestic Violence!
Oct 24, 2019 | oxfamadmin
A Few Good Men
Oct 7, 2019 | oxfamadmin
Promises to keep—Implementation of PWDV Act in Odisha
Sep 27, 2019 | oxfamadmin
Make 16 Days of Activism an Everyday Practice
Oct 30, 2019 | oxfamadmin
Witch-Hunting: A less talked about form of Violence Against Women
Oct 24, 2019 | oxfamadmin
Markets Also Discriminate
Oct 7, 2019 | oxfamadmin
Let’s Talk About Domestic Violence!
Oct 7, 2019 | oxfamadmin
Getting Serious about Ending Violence against Women and Girls
Oct 3, 2019 | oxfamadmin
Right to a Violence Free Life
Sep 10, 2019 | oxfamadmin
It’s all about the money
Sep 10, 2019 | oxfamadmin
‘It’s No Longer Funny': The Funding Wars That’ll Dictate Our Future
Oct 7, 2019 | oxfamadmin
Girl, Interrupted
Oct 1, 2019 | oxfamadmin
16 Pictures From Imagining Inequality That WiIl Tell You The Truth #evenitup
Oct 24, 2019 | oxfamadmin
These 8 Goals Were Set To Develop The World, But 14 Years Since, This Is Where We Stand
Dec 5, 2019 |
A Look At The Year 2029: What Kind Of Legacy Will We Leave Behind For Our Future Generations?
Nov 18, 2019 |
These 8 Goals Were Set To Develop The World, But 14 Years Since, This Is Where We Stand
Oct 24, 2019 | oxfamadmin
BRICS bank a necessary step, but needs more transparency
Sep 9, 2019 |
Short term memory and Long term needs!
Oct 7, 2019 |
A people’s budget has to go beyond...
Oct 24, 2019 |
National Shame, National Failure
Sep 27, 2019 | oxfamadmin
Oxfam India pledges its support to #BringBackOurGirls
Oct 1, 2019 | oxfamadmin
Closing the Gap on Gender: Is India up for the challenge?
Nov 15, 2019 | oxfamadmin
She tills, she sows, but she does not own
Oct 7, 2019 | oxfamadmin
Take a pause: what do the Uttrakhand floods tell us about India’s development model?
Sep 10, 2019 | oxfamadmin
Saving lives on sharp turning roads
Oct 1, 2019 | oxfamadmin
They do mind the gap
Oct 7, 2019 | oxfamadmin
Right to Education, still a long way to go.
Oct 1, 2019 | oxfamadmin
Can We Close the Gap on Women's Inequality in India?
Oct 30, 2019 | oxfamadmin
Breaking Old Barriers and Building New Alliances for Food Justice in India and Globally
Oct 24, 2019 | oxfamadmin
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