This document summarizes the work of Pragati Marg Foundation (PMF), a charitable organization working to alleviate poverty in India. PMF operates microfinance programs that provide small loans to impoverished individuals for purposes like farming and livestock. It has also established training centers to teach skills to women. The document outlines some of PMF's successful microcredit projects, including loans for cash crops that achieved high returns for farmers. It encourages readers to learn more about and support PMF's efforts to empower the poor through economic opportunities.

1. Presenting
Incredible India
her challenges and a
solution.
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2. The Country of Countries.
World’s Largest Sovereign
Republic.
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3. One of the ancient and richest
civilizations of the globe.
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4. A Country Rich with
Culture, History, Natural
Resources and what not !!
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5. But sadly
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6. 1 out of every 3 global poor lives in
India.
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7. About 10 Crores
of Indians still
live in slums.
7.5 Crores of
Indians still
lack decent
sanitation.
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8.  35 Crores of Indians are still Illiterate.
 60% of Rural Households still do not have
access to electricity till date.
 1.5 Crores of People still lack access to proper
drinking water.
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9. 50% of Children are still below acceptable
nutrition level and Basic medicines for 75% of
Indian Villages are not made available.
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10. Since 1997 about 200 thousands poor
Indian farmers have committed suicide
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11. Are you Concerned?
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12. ?
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13. Presenting
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14. A Route To Progress
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15. A charitable company registered to
bridge the gap between poverty and prosperity.
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16. Who We Are ?
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17. Vision
PMF shares the vision to go and prepare
a world without poverty by enabling the
poor to achieve a sustainable
improvement in life quality through the
promotion of economic and social
development.
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18. Mission
 To improve the condition of poor and low income
people.
 To work for the socio-economic empowerment of
women.
 To promote fair trade.
 To raise literacy amongst women and children.
 To improve health and hygiene of the poor and
marginalized section of society.
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19. Values
 Boundary less
 People first
 Ethical
 Fair
 Transparent
 Non-Discriminating
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20. Culture
 Excellence
 High Quality
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21. What We Do?
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22. PMF
 Enables access for poor to Micro-Credit
 Builds live assets for the extremely poor
 Trains and Educates Villagers and slum dwellers
on Micro-entrepreneurship
 Brings in water solutions
 Stands to protect and preserve the ecology of the
system
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23. PMF is….
 Adopting root cause elimination approach.
 Empowering women with Skill.
 Building value of women by engaging them in
economically significant activities.
 Working towards the protection and preservation of
Human Rights.
 Delivering easy practical solutions to issues facing
poor today.
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24. Services
Microfinance
Environmental Self-help
Protection groups
PRAGATI
MARG
FOUNDATION
Health
Jacob's Flock
Services
Training and
Literacy
skill
Projects
development
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25. Issues Facing Rural India
 Poverty
 Inadequate Banking Services
 Exploitation of Poor Villagers in Hands of Money
Lenders
 Impure drinking water
 Ignorance, Illiteracy and many more…..
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26. Reasons for Poor Banking
 Poor lack collaterals and necessary documents to
avail financial services from formal banks.
 Main Stream Banks struggle to meet operational
expenses in Rural Operations.
 Banks with Profit motive find no commercial gain
in Rural Banking.
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27. PMF’s Proposal
Charitable Microfinance
Banking solutions for the poor at an affordable
price….
A social Business designed to bring down poverty….
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28. What is Microfinance ?
 Provision of financial services to poor clients
including consumers and the self-employed.
 Offers banking facility to people who lack access to
banks and related services.
 Involves fairly lower amt loans and savings.
 Low cost Operation in comparison to Banks.
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29. Why Microfinance ?
 Microfinance services like Micro-Credit works as a
powerful tool to uplift the poor by strengthening
their most fundamental economic activities.
 It enables the poor have access to useful resources
needed to help them pave their own way out of
poverty.
 It ends the poor being slave to Charity.
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30. Is Microfinance Charity
or Business?
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31. It emerged primarily to do Charity but
over time MFIs have become more like
Business Houses with profit motive….
MFIs have drifted far way from the core
focus of Charity in hands of few so
called Professionals….
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32. How is PMF different ?
We mean only Charity at PMF….
We are a charitable company with zero
profit motive…
The Business we do is primarily to follow
our passion than anything else…
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33. The interest rate charged for our Micro-
Credit services is fairly low intending
- just to cover operational expenses
- keep us sustainable in the long run and
- provide useful services to improve living conditions of the
poor.
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34. PMF’s Delivery Mechanism- CLGs and JLGs
 PMF delivers its services by forming Cluster Groups
(CLGs) and Joint liability groups (JLGs).
- A Cluster group comprises of about 25 poor families of a village
who regularly meets at least once in a month.
- A Joint liability group constitutes of 5 families standing guarantee
for each others loan.
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35. Cluster Meetings @ PMF
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36. Progress Report Mar`10 – till date
 Completed an extensive survey of the Jhadol
region of Rajasthan with sample size of more than
1500+
 Initiated 30+ CLGs within an year.
 1000+ families are actively participating in Cluster
Meetings every month.
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37.  Launched Microfinance pilot projects for strengthening
economic activities through Agricultural loans, Live Asset
development loans, Business start ups and expansion
loans, housing developments; and protection of health
through 0% Health Protect loans etc.
 Sardara Bhai emerged as a role model recording a profit of about
Rs.15000 in Cash Crop Farming.
 Rupali Bai developed live assets to the tune of
Rs. 18000 in an year’s span.
 Microfinance operation have growth to 15 CLGs with 100%
repayment month-on-month.
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38. The Skill Building wing of PMF
JJTC
Trained Ladies at JJTC engaged in Production work
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39. Snap shot of JJTC
 Works through the generous partnership and
provision of I-Connect.
 Skills destitute, forsaken, divorced and needy women
living in slums.
 Successfully runs two training batches in a year.
 Provides regular stipend to students.
 Runs a production wing to make the project
self-sustainable.
 Most of its graduates and now employed in the project
on salary.
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40. PMF’s Micro-Credit for
Agricultural Development
Project titled `Krishivikas’
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41. Snap Shot Of Micro-Credit
PROJECT `KRISHIVIKAS’
 Each farmer was given seed worth up to Rs. 7500; i.e.
10kilos of Muesli(a medicinal herb) or 100kilos of Ginger.
 Enabled poor farmers to grow cash crops
 Equipped farmers with latest farming skill
 Educated farmers to profitable farming
 Taught them about optimal utilization of limited resources
 Formed a bridge between Govt. Agencies and Villager
 Provided low interest Agricultural Loans to prepare the
rocky ground sustain farming, avail irrigation
facilities, high quality cash crop seeds etc.
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42. Krishivikas’s Graduate
SARDARA BHAI
- Sardara Bhai grew Musli,
a type of cash crop for the
region.
- He recorded a profit of
about Rs. 15000 within six
months.
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43. Krishivikas’s Graduate family
MANGILAL AND HIRKI BAI
- Mangilal and Hirki Bai
grew Ginger.
- Their input to yield
ration was 1:5
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44. Krishivikas’s Eldest Graduate
DHARAMDASJI
- Dharamdasji was the
oldest participant in the
pilot project.
- His profit from Muesli
was Rs. 5000 in six
months.
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45. Krishivikas’s Youngest Graduate
Raju
- Raju was the youngest
participant in the pilot
project.
- His input to yield ratio
was 1:6
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46. Seed Storage system of
Krishivikas’s Shantilal
- Shantilal recorded profit
of Rs. 6000 from Muesli.
- Apart from the cash
benefit, Shantilal was able
to store around 10kilos of
Muelsi seed for the next
season.
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47. Facts and Figures
 100% repayment of loan
 +90% of Krishivikas’ Farmers have seeds in store to do
cash crop farming of their own at the end of the loan
cycle
 200% avg. return to farmers over the loan amount
 100% client retention – All of the Krishivikas’ farmers
were interested to continue participation with PMF.
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48. PMF’s Micro-Credit for
Live Stock Development
Project titled `Jacob’s Flock’
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49. Snap Shot of Micro-Credit
Project `JACOB’S FLOCK’
 Loaned one/two goats per participating lady
 Empowered and equipped women to be a supporting
hand for the family
 Engaged unskilled and illiterate women with easy yet
economically significant activity
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50. Jacob Flock’s Graduate
SHANTA BAI
-Shanta Bai witnessed the
first fruit of project `Jacob
Flock’.
- Her no. of goats grew up
to 4 by the end of first
year.
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51. Jacob Flock’s Graduate
RUPALI BAI
- Both the goats of Rupali
Bai produced off spring in
the very first year.
-One of her goats
produced two kids.
-The no. of goats at the
end of one calender year
grew up to 5.
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52. Facts and Figures
 Birth rate of Goats about 75% across all villages
 25% of women witnessed multiple kids
 Live assets growth up to 50% in just one year
 About 60% ROI in just one year
 Nutritious goat milk made available at home
 Empowered up to 60 ladies within one year
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53. Are you interested to
know more ?
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54. To Know more
visit our website
www.pragatimarg.org
www.pragatimarg.com
Write to us
info@pragatimarg.org
Follow us in facebook
www.facebook.com/pragatimargfoundation
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55. How can you be involved ?
 Come and volunteer your services at PMF.
 Spread the good news of PMF across your region.
 Offer professional consultations.
 Give Social Loans to PMF.
 You can also donate – Indian Donors can avail tax-
exemption under sec. 80(G) of the IT act.
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56. Do join us in our endeavor to
better the living condition of
many poor Indians.
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57. Thank you
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