April 26, 2012
Julia Arnold is a program associate for Grameen Foundation’s microsavings initiative, and will graduate from American University in May with a master’s degree in international development.
As a graduate student at American University and a Grameen Foundation employee, I have studied international development in the classroom and have seen it in practice through my work with Grameen Foundation’s microsavings initiative in India, Ethiopia and the Philippines, and our livelihoods work in India. This unique vantage point has given me many opportunities to reflect on the relationship between what is taught in school and what is done in the “real world” of international development. On a recent trip to one of the project sites of our microsavings project, I began to truly appreciate the difference between classroom theories and realities of the lives of the poorest.
[caption id="attachment_2112" align="aligncenter" width="300" caption="Clients of Indian microfinance institution Cashpor take a break during a group meeting, where poor women like these meet to make payments on microloans and to make deposits in their savings accounts."][/caption]
During our visit to the holy Indian city of Varanasi, my colleagues and I visited the homes of some of the urban and rural clients of Cashpor, a microfinance institution (MFI) we’re working with to deliver microsavings services to their ultra-poor clients. It was a privilege to be welcomed into the homes of the families for whom Cashpor provides access to vital financial services. The women I met were beautiful in their bright saris – and serious about their membership in the self-help groups (SHGs).
Though I was inspired by their resilience and determination, the women also bore the marks of very difficult lives. They were extremely small – a result of malnourishment – and extremely poor. Those in urban areas lived in one- or two-room homes in concrete apartment structures with little more than a bed and a curtain for a door, while those in rural areas shared their small homes with their precious livestock. One urban family lived in a very small room in an apartment that didn’t hold much more than a bed – shared among seven family members. The youngest of the five children was badly scarred from surgery for a broken leg and would never walk properly again. Though most of the children wore school uniforms and were enrolled, I struggled to imagine where they studied or how long it would be before they would be pulled from school to help earn income for the family.
Several truths jumped out at me as a result of meeting these clients. These truths had been spoken during my classes, but I was not able to fully appreciate them until traveling to India to meet these women.