India Development and Relief Fund | 5821 Mossrock Drive, North Bethesda, MD 20852, USA|www.idrf.org Bringing sustainable development to remote parts of India and Nepal with a special focus on children and women 2012 Annual Report Celebrating 25 years of service May 2013
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India Development and Relief Fund | 5821 Mossrock Drive, North Bethesda, MD 20852, USA|www.idrf.org
Bringing sustainable development to remote parts of India and Nepal
with a special focus on children and women
2012 Annual Report Celebrating 25 years of service
May 2013
India Development and Relief Fund | 5821 Mossrock Drive, North Bethesda, MD 20852, USA|www.idrf.org 1
Section Page
President’s Letter 2
News 3
Where We Work
A map of our current programs
6
Development Strategy 7
Finances 8
Continuing Programs
An in-depth, illustrative look at some of our continuing programs
12
New Programs
An in-depth, illustrative look at some of our new programs
16
Future Plans 19
Get Involved 21
Team 22
Annex: Snapshots from 25 Years of Service
23
Table of Contents
India Development and Relief Fund | 5821 Mossrock Drive, North Bethesda, MD 20852, USA|www.idrf.org 2
President’s Letter
Dear Friends,
I would like to thank you for the joy you have brought to underprivileged people
through your support of India Development and Relief Fund. Your steadfast
magnanimity enabled us to complete our 25th year of service in 2012. I feel
privileged to share this Annual Report with you.
In 2012, IDRF supported more than 30 programs in India and our first in Nepal;
some examples appear in the Continuing Programs and New Programs sections.
From Tamil Nadu to Jammu & Kashmir and from Gujarat to Arunachal Pradesh,
you helped us assist thousands of people, with better governance, education,
women’s empowerment, eco-friendly development, and healthcare.
How did my journey with IDRF begin? My wife Sarla and I came to the United States in the 1960s for higher
education and settled here. As a typical Indian couple, we kept in close contact with our family and friends back
home. When we founded IDRF, we went a step further – emotionally, rationally and spiritually – in connecting
our lives here with our roots.
Emotionally, Sarla and I are deeply bonded to the US – our adopted land for living and action (karmabhoomi) –
and to India – the land of our birth and ancestors (matrabhoomi). We feel immensely grateful to these two nations
for who we are today. Rationally, I consider myself privileged. While millions of Indian children were (and still
are) deprived of education, I received a quality education in India. This allowed me to study at MIT, work at the
World Bank, and lead a comfortable life in America. I felt I owed a debt to Indian society and I wanted to make a
difference in the lives of the underprivileged. Spiritually, I sought a deeper meaning in life beyond personal
accomplishments and material comforts. I am inspired by Swami Vivekananda’s message of “Nar seva narayan
seva.”
IDRF has been a focal point of all my quests for the last 25 years. And it has also become the culmination of my
dreams. Since its inception in 1988, we have greatly expanded our programs and built long-lasting relationships
with our partners in India. Along the way, I have discovered that people have an innate desire to do good.
No words can adequately express my immense gratitude to the donors who have put their trust in us. I am also
deeply thankful for the unstinting support of our volunteers and my family. Finally, I am grateful to our excellent
partner NGOs. I encourage everyone to visit our programs, to meet the hopeful and humble people who are
working to improve their lives despite trying circumstances.
2013 is the 150th anniversary of Swami Vivekananda’s birth, and his message still reverberates today. Let us
celebrate by addressing the vast challenges and opportunities that remain in India, Nepal, and elsewhere.
Thousands of people aspire for progress, and together we can help them realize their dreams.
Sincerely,
Dr. Vinod Prakash
Founder and President
India Development and Relief Fund | 5821 Mossrock Drive, North Bethesda, MD 20852, USA|www.idrf.org 3
News
IDRF Becomes a CFC Organization
In 2012, IDRF became a part of the Combined Federal Campaign,
the country’s largest workplace giving campaign. The CFC enables
federal and military employees to donate to a network of strictly
vetted charities. In fall 2012, federal employees were introduced to
IDRF for the first time – and they pledged over $36,000. We will
participate in the 2013 CFC. Our code is #18889.
Revitalized Our Board, Staff, and Volunteers
IDRF has reenergized its team with new members and expertise. We are fortunate to be joined by talented
operations and communications specialists and program coordination staff. We also welcomed new volunteers
to assist with IT. Finally, our mix of new and existing board members is generating exciting new ideas.
New Ways to Connect Online
In 2012, we launched a brand-new website. Please visit the site and send us your thoughts. We also
revitalized our Facebook page, joined YouTube and started sending email updates. We launched our Annual
Campaign online for the first time, which connected donors to our convenient online donation system.
MD and CA State Employees Support IDRF
In 2012, IDRF participated in the Maryland and California state employee campaigns for the first time.
A young woman visits a clinic as part of our self-help group program in Haryana
India Development and Relief Fund | 5821 Mossrock Drive, North Bethesda, MD 20852, USA|www.idrf.org 8
$592,000 $500,000
$715,000 $841,000
$1,144,000
2008 2009 2010 2011 2012
Year
Funds raised, 2008-12 rounded to the nearest thousand
Thanks to donors like you, IDRF raised over $1.1 million in 2012. Your generosity enables us
to improve many more people’s lives.
2012 Changes and Activities in Net Assets
Unrestricted Temporarily Restricted
Total
SUPPORT AND REVENUE
Contribution Income 451,124 669,020 1,120,144
Investment Income 16,455 - 16,455
Special Events - 7,495 7,495
TOTAL REVENUE AND SUPPORT $ 467,579 $ 676,515 $ 1,144,094
EXPENSES
Program Services
Grants 323,605 762,995 1,086,600
Total Program Services 323,605 762,995 1,086,600
Functional Expenses
Management & General 32,327 - 32,327
Fundraising 9,685 - 9,685
Total Functional Expenses 42,012 - 42,012
TOTAL EXPENSES $ 365,617 $ 762,995 $ 1,128,612
All figures in this section are sourced from independently-audited financial statements and tax returns as prepared by
Desai & Shah, PC, CPAs of Germantown, MD.
Finances: Overview
India Development and Relief Fund | 5821 Mossrock Drive, North Bethesda, MD 20852, USA|www.idrf.org 9
Women's Empowerment &
Ecofriendly Development
$223,800 20%
Good Governance $75,000
7%
Healthcare $228,235
21%
Women's Colleges & Technical Education
$289,000 27%
Children's Education $270,565
25%
2012 Grants
Management $32,000
3%
Fundraising $10,000
1%
Program Services (Grants)
$1,087,000 96%
2012 Expenses rounded to the nearest thousand
IDRF sent over $1.08 million in grants to our programs in India, Nepal, and the US.
Finances: Expenses
India Development and Relief Fund | 5821 Mossrock Drive, North Bethesda, MD 20852, USA|www.idrf.org 10
Finances: 2012 Grant Distribution
An asterisk (*) indicates that the grant has been split across multiple focus areas.
Amount Organization Location Purpose
Women's Empowerment & Eco-friendly Development
$78,050 Samerth Charitable Trust Kutch Dist, Gujarat Sustainable water harvesting and sanitation
$63,500 Arpana Research & Charities Trust Karnal Dist, Haryana Women's self-help groups for rights, business skills, healthcare
$26,500 Magan Sangrahalaya Samiti Wardha, Maharashtra Rural bakery and organic cafeteria employing women
$25,000 Economic Rural Development Society Malda Dist, West Bengal
Women's empowerment through microcredit
$13,000 Vivekananda International Kendra Across India Facilities and trainings for tribal economic development
$5,000 Sewa Bharti Bhopal Narsinghpur, MP Sustainable village development $4,700* Circle of Goodwill Visakhapatnam, AP Garden planting and animal husbandry $4,350 Vanvasi Vikash Parishad Bhopal, MP Holistic tribal development
$3,700* Akhil Bharatiya Vanvasi Kalyan Ashram Across India Holistic tribal development
$223,800 Subtotal
Good Governance & Anti-Corruption
$75,000 Janaagraha Centre for Citizenship and Democracy
Across India Online platforms to assess corruption & improve government service delivery
$75,000 Subtotal
Healthcare
$62,100 SYVASA Bangalore, Karnataka Hostel for women at accredited yoga and holistic health university
$61,010* Sahaj Seva Samsthan Hyderabad, AP Hospital and health clinics for urban and rural poor
$50,000 Sri Ram Grameen Kshetra Vikas Samiti
Meerut Dist, UP Operating costs for rural hospital
$15,700 Public Health Concern Trust-Nepal Kathmandu, Nepal Furnishing for rural teaching hospital $15,000 Sree Kasturibayi Mahila Samajamu Nidadavolu, AP Old age home for elderly and disabled
people $10,000 Mata Balak Utkarsh Pratishthan Sangola, Maharashtra Mobile clinic for mothers, newborns, and
Ashram Sonebhadra, UP Mobile clinic in remote area
$5,000 Sewa Bharathi Guntur Guntur, AP Construction of hospital for disadvantaged people
$2,475* Circle of Goodwill Visakhapatnam, AP Eye and homeopathy clinics, cardiac rehabilitation centers
$228,235 Subtotal
Continued …
India Development and Relief Fund | 5821 Mossrock Drive, North Bethesda, MD 20852, USA|www.idrf.org 11
Amount Organization Location Purpose
Women's Colleges and Technical Education
$245,000 Maharaja Agrasen Technical Education Society
Baddi Dist, HP Technical education in remote town
$25,000 Maharshi Dayanand Mahila Sikshan Samiti Jhunjhunu, Rajasthan English language lab for women's college
$16,000 Lila Poonawalla Foundation Pune, Maharashtra Scholarships and leadership training for women's higher education
$3,000 Upakar Virginia, USA College scholarships for underprivileged Indian-Americans
$289,000 Subtotal
Children's Education
$38,500 Swami Keshwanand Smriti Charitable Trust Sangaria, Rajasthan Hostels, schools, and scholarships for rural girls
$30,990* Sahaj Seva Samsthan Hyderabad, AP Schools for disabled and underprivileged children
$30,000 Shiksha Bharti Hapur, UP Endowment fund for NE tribal girls' holistic residential education
$25,050 HOPE Bhubaneshwar, Odisha Construction of tribal residential school
$18,050 Vanvasi Kalyan Kendra Ranchi Remote Jharkhand 100 one-teacher schools (ekal vidyalayas) for tribal children
$17,550* Akhil Bharatiya Vanvasi Kalyan Ashram Bastar, Chhattisgarh 4 hostels and 40 one-teacher schools $15,000 Jayarama Educational Society Unguturu Dist, AP Expansion of high school for
disadvantaged children $11,000 Ajekar Padma Gopal Education Udupi Dist, Karnataka Pre-university (11-12th grade) in
rural area $10,500 Sivananda Sanskrita Veda Agama
Mahavidyalaya Narsipuram, AP Home and school for orphaned
children $10,300 Nilkanth Samaj Seva Trust Bhavnagar Dist, Gujarat New building to house 3 schools and
vocational training $10,000 Gramin Mahila Shikshan Sansthan Samiti Sikar Dist, Rajasthan Construction of girls' school $9,000 Swaroopwardhinee Pune, Maharashtra Mobile science lab and development
centers for brilliant slum children $9,000 Vatsalya Trust Mumbai, Maharashtra Home and school for orphaned and
neglected girls $8,900 Sewa Bharti Bhopal Sagar, MP Registration of land for tribal girls'
vidyalayas) in remote areas $8,225 * Circle of Goodwill Visakhapatnam, AP Free schools for slum children and
scholarships for high school $5,000 Bharat Kalyan Pratishthan Narmada Dist, Gujarat Hostel and school for tribal girls $5,000 Gramabharathi Hyderabad, AP School fees for tribal children
$270,565 Subtotal
$1,086,600 Total Grants
Finances: Grant Distribution (continued)
India Development and Relief Fund | 5821 Mossrock Drive, North Bethesda, MD 20852, USA|www.idrf.org 12
Continuing Programs
The Power of Sisterhood – Karnal District, Haryana
Women in rural Haryana suffer from poverty, limited education and severe gender inequality. The state has
the lowest ratio male-female in India, a testament to female feticide. Thank to IDRF’s donors, women are
securing healthcare, economic security, and basic rights through self-help groups (SHGs). Organized by
Arpana, an awarding-winning local NGO, these SHGs are a model for the empowerment of rural women. In
100 villages, 7,000 members of 500 SHGs meet monthly and save
and lend collectively. In 2012, SHGs also participated in over 100
workshops by Arpana staff and fellow SHGs, on issues from family
planning and prenatal care to business bookkeeping and women’s
rights.
In 2012, SHGs saved Rs. 52 million– a 67% increase from 2011.
Over 1,800 women ran small businesses using microcredit from
their SHGs, up from 1,300. Thanks to Arpana’s training, over 60%
of SHGs can manage their records and financial accounts
independently. The SHG federation leaders, themselves local
women, oversee the groups and resolve conflicts about loan
repayment.
Bhagwati, a SHG member for 5 years, said: “Now that I have begun to earn and increased my family’s
income, my husband and in-laws have started respecting me and even take my advice in family affairs.”
This program also educated thousands of villagers, male and female, about health. In 2012, 11,600 people
attended SHG events about seasonal disease. Further, to address malnutrition, three fairs about healthy food
were organized. Yearlong, over 500 women counseled expectant mothers and helped them access healthcare.
Finally, our program recently expanded to disabled people, the most vulnerable group in rural society. Arpana
interviewed disabled people in 14 villages, while an expert educated local SHGs and leaders about their unique
needs and abilities. These disabled villagers formed separate SHGs, so they can advocate for government
benefits and save and lend collectively. In 2013, Arpana will focus on preparing the women’s SHGs to
incorporate disabled people and to participate in village government.
Members balancing their account book at a monthly SHG meeting
Santosh, a thriving
entrepreneur, sells
bangles from her
home and runs a
neighborhood store –
thanks to her SHG’s
savings and
microcredit loans
India Development and Relief Fund | 5821 Mossrock Drive, North Bethesda, MD 20852, USA|www.idrf.org 13
Continuing Programs
Water in the Desert – Kutch District, Gujarat
In arid Rapar Taluka, women and girls travel miles to collect water, typically carrying 40-liter pots on their
heads. Families lack water for hygiene, and many migrate away from their farms each year because of drought
and unemployment. But thanks to one exceptional NRI, IDRF and its local partner Samerth have provided
safe water for irrigation and drinking to over 3,000 highly vulnerable people.
From 2009 to 2012, Samerth and local villagers built 9 check dams and 30 wells. The structures collect water
for immediate use and provide long-term water security. They help the environment by replenishing
groundwater and preventing saltwater contamination.
The government had allocated money for water projects but it did not reach the target population. Samerth
convinced officials to hire villagers to build the dams and wells, under the National Rural Employment
Guarantee Scheme. Thanks to their strategic approach, villagers earned Rs. 10 million while ensuring safe
water supply and a healthier environment. Each village also formed a water committee to maintain the
structures and save money for future repairs.
Today, villagers are self-reliant, healthy and prosperous. The rate of water-borne disease, which robbed the
villagers of their health and lives, plummeted from 62% to 33%. Thanks to better health and access to
irrigation, farmers are able to work more days each year. Migration has declined from 35% to just
11.5% of the total population. Finally, 17% more children – especially girls – are going to school
regularly, liberated from hauling water. The program’s relentless insistence on including women and the
disabled have led to inclusive development.
Inspired by this incredible success, IDRF and Samerth have teamed up to expand this program to 30 villages in
the next two years. As a first step, the villagers are preparing water security plans, in which they assess
existing wells and dams and decide where to locate new ones.
This check dam brought water security to Raimal village Thanks to water harvesting, this farmer has water for his cattle year round
India Development and Relief Fund | 5821 Mossrock Drive, North Bethesda, MD 20852, USA|www.idrf.org 14
Continuing Programs
Unlikely Entrepreneurs – Malda District, West Bengal
Women in this district suffer from severe inequality. With little opportunity for education or skilled
employment, girls marry very early – some just 12 years old – and face maltreatment in their husbands’
homes. Their families are impoverished, and many take loans from moneylenders at exorbitant interest
rates. But thanks to donors like you, these women have taken affordable loans, started their own
businesses, and improve their standing at home and in their community.
In 2011-2012, IDRF and its partner ERDS provided 250 women with microcredit loans. While IDRF funds the
$200 loans, ERDS provides the technical advice, leadership training and counseling to ensure successful
ventures. These women started businesses or invested in their husband’s. They increased their income
twice, thrice, or even six fold. 95% of them repaid their loans on time and in full. Here are their stories.
Before taking a loan, Taslima Molla’s family was in dire straits. Her husband lost his job as a driver due to
illness and his grocery store was earning just Rs.1,000 a month. Then Taslima joined an ERDS self-help group
and applied for a loan. She invested her loan in the store and made a smart decision to sell gift items along with
food. The store’s income tripled and now all of Taslima’s children are back in school.
When Madhumita De’s husband deserted her, she lost her confidence and
her income. But she was determined to rebuild his cosmetics business.
At first, she was earning just Rs.1,500 a month. By joining an ERDS self-
help group and investing a microcredit loan in her business, Madhumita
increased her monthly income to Rs. 3,000-3,500. Today, she is
economically independent and feels secure for the first time since her
husband left her.
Minara Bibi’s husband was the sole earner in her family. His flower
business made just Rs.1,200 to 1,400 a month. Then Minara secured a
microcredit loan. She invested some in his shop but also bought a
sewing machine to make clothes on contract. Both businesses are
doing well. With two sources of income, the family now makes Rs.
3,500 to 4,000 each month.
250 women have substantially increased their monthly incomes
and their personal autonomy. Since women use their increased
income for their children’s education, these loans have a long-
lasting impact on the community’s economic prospects.
In September 2012, IDRF agreed to fund 250 more loans. Just six
months after getting their loan, some women have already
lifted their families above the poverty line.
Madhumita De rebuilt her business and self-confidence with help from IDRF
Minara Bibi tripled her family’s income with her sewing business
India Development and Relief Fund | 5821 Mossrock Drive, North Bethesda, MD 20852, USA|www.idrf.org 15
Continuing Programs
Over 600 people, learn computer skills in this lab at Maharshi Dayanand Women’s Science College
Young women practice conversation in the English language lab