Ahmedabad

This week I joined the staff of my NGO on an exposure visit to Ahmedabad. We're visiting an extremely innovative and impressive NGO called SEWA (pronounced seva), Self Employed Women's Association. SEWA goal is to organize female workers in the informal sector. I was amazed to learn that only about 7% of the Indian labor force works in the formal sector, which includes government and private industry. The rest of Indians work in the informal sector which includes everything from domestic workers, to street-vendors, handcraft-makers, midwives, agricultural laborers, auto-rickshaw drivers and the like. SEWA's goal is to promote the self-sufficiency and self-reliance of female workers in this sector and much of their work uses a market-based entrepreneurial approach. For example, SEWA will organize agricultural laborers into a cooperative, which will buy the product from the farmers and sell directly to traders in the market thereby cutting out middlemen and supporting higher prices for the agricultural laborers themselves. SEWA also operates a highly successful bank and insurance company, both of which develop financial products to meet the needs of poor, working women.



I of course was very interested in the insurance products offered. (If you don't also love insurance, you can skip this paragraph) SEWA Insurance has about 120 agents which they call Aagewans, or barefoot agents (barefoot because the agents go directly to the customers' homes and communities, where shoes are removed, on average the agents visit the household 3 times to explain benefits before the policy is purchased). They offer several insurance schemes, all are packages covering many household needs. The products are available to SEWA members (women only), who can choose to extend coverage to their husbands and children. The most popular (91%) is the lowest premium/lowest limit combination: 400 rupees premium per year ($8) covers the woman, husband and one child for the following limits (in dollars): life- 10,000 rupees ($200) for wife and husband; health - 2,000 rupees ($40) for each family member, House - 10,000 rupees ($200), Accidental death - 40,000 rupees ($1000) for wife and husband. SEWA Insurance has over 103,000 women as policyholders. They have a staff of only 75 plus the 120 agents. SEWA has found that this type of micro-insurance scheme provides essential economic support to poor, working families. In addition to helping those with claims, insurance plays a important role in the communities SEWA serves because it encourages women to begin planning for the future, rather than simply living day to day.



In other news, tonight is Christmas Eve. So strange it is to be in a land where Christmas is a non-event. There are Christians here but Christianity itself is not highly visible, and certainly not visible in the way of an American Christmas. Actually, there are three Christians who traveled in our group of 17 to Gujarat. I was surprised that this trip was planned for Christmas week but no one else commented. I spoke with the 3 Christian ladies about being away from their families for Christmas and they were sad about it but each felt it was their duty to participate in the exposure visit. As someone accustomed to being a member of a minority religion as well, I empathized with them and helped them locate a church in Ahmedabad where they could attend services for Christmas eve. The gratefulness they expressed for this small gesture absolutely made my day.