I was traipsing around the office today dressed in what I thought was my most conservative-looking dress when Rosy tapped me on the shoulder. “Catleen,” she said kindly, “if you go to the fields next week, you need to get a slip for your dress.” So, that was when I found out that my dress was actually too “thin” for Indian taste. Rosy agreed to take me to buy new a slip and some traditional Chorudes (spelling?) so I can fit in properly. However, before we headed off to the shop, she said she had a detour to make- a meeting a 4pm. So, I set off with her on her scooterbike into the thick of Chennai traffic, considered one of the worst, even in India.
The Meeting: It turned out that the meeting between the Area Development Council (ADC) for Davidpuram, a set of slums located very close to a main shopping district. An ADC is a council that represents all the SHGs in its area. It’s a bit like the hierarchy for a democratic government with the Federations and Councils helping to keep record, and ensure accountability for all savings and loans for the groups under their jurisdiction. Davidpuram is the most successful of ADCs, with 99.9% savings and borrowing participation rate from its member. And all this because of one lady, who acts not only as the treasurer of her ADC, but also for the Federation at large. She was amongst the most educated in the area, having finished tenth grade and whatever she lacked in education, she made up for with zealousness and precision. She is an excellent accountant, and an intimidating lady, who ensured that everyone repaid their loans in time and saved regularly. If she had been born under different circumstances, she might have been working in the boardroom. But now, she works many hours and without pay to upkeep the Committee for the neighborhood. She herself is a single mother with two kids. Her youngest child was extremely rambunctious during the meeting, and would’ve climbed up atop the tree in the courtyard if his grandmother had not a thrown a warning pebble at him. Which brings us to the children. Unlike any other board meeting in the world, these board members, without the benefit of babysitters, have to care for their children during the meeting. The children’s reaction varied greatly, some slept lazily in their mom’s laps, others ran outside, playing with stones, motorbikes, whatever was small enough for them to grip. Quite a few of the ADC members had to shuffle out during the meeting to make sure their child had not run away too far into trouble.
The meeting itself was to preside over the handling of a small grocery store, formed by the collaboration of two different SHG taking out loans. The store was jointly owned by all members (shareholders). Although the store was making profit for the community, the communal nature has made it very difficult for it to operate. The meeting lasted for two hours and, after a lot of passionate and rapid debating, all the shareholders agreed to put it up for sale to one of the SHG members. All the proceeds would go back into the bank to be made available for individual loans and then at a later date, the principal and interest rate will be split evenly amongst all the members of the SHG.
So, even though, this is in a courtyard of the slums, the decision-making process was not so different from what I’ve witnessed at a corporation. If anything, they take it even more seriously than the grey-hair old men in suit and tie. With very few for-hire jobs for Indian women, their income and family’s survival depends heavily on these loans for individual enterprises.
This was a very poignant example of why grassroots microfinance NGOs are vital for poor developing communities. Also, because I understood very little of what was said in the meeting, I had a chance to play with the children while the adults were in session. After this was all over, I got suited in my new Indian attire. Tomorrow will be Republic Day. I will see if I can pass for a local in this dress.

Presiding over the meeting
Treasurer of APC and the Federation
Aspiring Accountant
Bored child in mother's lap

Grandma watching over the kids

Detailed savings and loans account book
Store built from the SHG loans
Confusion and argument during meeting

Little kids shennanigan
More shennanigans
Old ladies waiting outside for the meeting to end