ken atchity door to door: Journey with Yoga Gives Back, Part II

Journey with Yoga Gives Back, Part II

By Sophie Herbert

http://wholelivingdaily.wholeliving.com

Following our wonderful visit to the Vidyanikethan School, my 4 friends from Yoga Gives Back (YGB) and I traveled to the Bangalore suburb of Chennapatna to meet with Grameen Koota (GK) micro loan recipient Jayashree. Before sharing more about her story, here’s a bit about Yoga Gives Back:

Founded by documentary filmmaker Kayoko Mitsumatsu and yoga/Sanskrit teacher Joel Bender in 2007, YGB strives to give back to the country that gave us the incredible practice of yoga.

Jayashree is a beautiful 35 year-old woman whose life has been tremendously aided through four Grameen Koota micro loans. They have also helped support her two sons and her husband Ramo.

Did you know that 76 percent of the Indian population (about 800 million) lives at or below the poverty level of $2.50 a day? Or, that 40 percent of Indians live below the world poverty line of $1.25 a day? YGB is working to mobilize the global yoga community to empower poverty-stricken women in India to build sustainable livelihoods.

Currently, they raise money to fund microloans. Since 2000, GK’s loans, which can be taken without collateral, have helped about 400,000 of India’s impoverished families in Karnataka, Maharasthra, and Tamil Nadu.

YGB’s quest began in America, where about six billion dollars are spent on yoga annually! Just the cost of one class can help change a life. As YGB told me, “With as little as a $25 loan, women in rural India can start and run profitable businesses, freed from the shackles of moneylenders who would keep them in an unending cycle of debt. If a fraction of what we spend on yoga in the U.S. can help the poor in India, we can make a difference. We can affect change.”

This is a major reason why I am so impressed with YGB. They understand how enormous the cumulative power of small positive gestures can be.

Our visit to Channapatna was truly inspirational. Jayashree is a beautiful, open hearted, 35-year-old woman. Her friendly husband, Ramo, is a rickshaw driver. They have two sons—Govopsad, who is 20 years old and in his 2^nd year of medical school, and Hoysala, an adorable 4-year-old. Both Jayashree and Ramo have faced financial struggle their entire lives. The microloans have transformed their lives and reshaped the futures of their children.

Yoga Gives Back has been documenting this transformation since 2007, when Jayashree received her first loan of 7,000 rs (about $155.00). This money allowed them to purchase her husband’s once rented auto rickshaw, largely increasing their income.

After repaying this loan (with an interest rate of about 30%), they were granted a second loan of 15,000, which Jayashree used to purchase a sewing machine. She currently earns about 100 ($2.22) rupees a day stitching and aspires to opening a small garment factory behind her house. Her 3^rd loan also went towards their rickshaw, which brings about 500 ($11.10) rupees a day. Her husband is only able to work 15-20 days a month, however, due to a physical condition.

Jayashree was so happy that her 4^th loan could go towards her top priority: her older son’s education. Far too often, children are tragically restricted from higher education due to their family’s financial status. Yoga Gives Back had an incredible surprise for Jayashree, which will help her repay the 4^th loan and receive the 5^th one more readily. Through yoga classes, they raised $600 towards the son's medical education. Jayashree and Ramo could hardly believe the news!

I hope my photographs and their captions will tell you more about this inspirational story. Please learn more about Yoga Gives Back, including ways to volunteer or donate, at www.yogagivesback.org. And, stay tuned! YGB is currently diversifying their projects beyond microloans. I’m also thrilled to say that I’m now a YGB member!

Remember, small things can really add up.

Sophie Herbert is an alignment focused yoga teacher (and perpetual student), a singer-songwriter, and a visual artist. She has lived, studied, and volunteered extensively in India; teaches yoga in Brooklyn and Manhattan; and recently released her first full-length album, "Take a Clear Look." Please visit her website at http://sophieherbert.com.

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Yoga Gives Back

Written by Kayoko Mitsumatsu

From Posture To Power: Microcredit Changes Lives On Both Sides of the Ocean

We can talk about making change. But affecting real change in the world comes from impacting the lives of individuals. It comes from empowering people to be independent and able to make a living on their own while at the same time being fully integrated in our interdependent global community. Sometimes it takes something that seems to be radical to make this change, but these shifts can be deceptively small. They can be even as small (or as large) as the cost of a Los Angeles Yoga class.

How could this be? In the practice of microcredit, lending seemingly small amounts of money to small-scale entrepreneurs allows them to succeed and change their circumstances. This is the fundamental basis of microcredit’s transformative power; it’s a revolutionary concept in finance. This practice shifts the emphasis from financial transactions being focused only about large loans and large scale businesses, which are out of reach of many one-person operations, institutions and organizations – to lending practices that actually make a positive difference in a person’s life. Microcredit practices based on social justice and empowerment operate through a combination of small-scale loans based on trust and community support, with structured repayment plans and programs that encourage savings. In these situations, people actually have the opportunity to solidify long-term change in their lives.

Dr. Muhammad Yunus and the Yoga Gives Back Team: Joel Bender, Leslie Hendry, Dr. Muhammad Yunus and Kayoko Mitsumatsu (left-right)

In 2006, economist Dr. Muhammad Yunus and the institution he founded, the Grameen Bank, were awarded the Nobel Peace Prize. This award was in recognition of their revolutionary efforts to create this micro-credit model, support sustainable economic practices, and provide an alternative to what were exploitive norms. When a person is caught in a cycle of poverty, they may become trapped in the system, particularly since large banking institutions have historically ignored people without assets or credit histories, who are just starting out and who may not have already proven themselves. Most banks prefer to lend large sums of money that represent a greater profit margin and are set up only for large loans in order to make a profit themselves. And even making it more challenging, people at the bottom of the economic scale worldwide have had to rely on moneylenders charging usurious terms and interest rates to obtain funds to plant the next crop, buy inventory of new equipment, or upgrade a business in any way. Institutions such as the Grameen Bank and their affiliates are offering another approach. It’s one that has significantly impacted millions of people.

As Dr. Yunus described in an exclusive interview with Yoga Gives Back in May, 2009, “We started in 1976, and today within Grameen Bank in Bangladesh, eight million people borrow micro loans, ninety-seven percent of them women.” This represents an enormous potential for change and empowerment that just did not exist on a large scale in this form prior to 1976.

There is a social cycle in economics, and Dr. Yunus explained this: “Poverty is not inside the person. Poverty is forced from outside. Poor people are as capable [a] human being as anybody else. They have the same power and energy, same potential. But they are denied such facilities. They cannot express themselves. Money is one of the most important items missing in their lives. You need a dollar to catch a dollar. You cannot catch a dollar with an empty hand. So, that first dollar, nobody has given to her. So she remains dependent on someone else. She has to be hired, to slave; she has to work to make food available on the table. What we have done, we have put that first dollar into her hands as a banking proposition. Conventional banks never come to the poor people. They go to rich people to make more money. The person who does not have a dollar – she cannot get it. So we did it. We did it in a way that is affordable to her. Because we do not insist on collateral. There is no collateral.”

While that may seem like a radical concept, the Grameen Bank has proven that their success is much more than ideological. Dr Yunus cited statistics for us, “The repayment rate is almost 100%, without collateral or anything. This is the strength of microcredit which is now spread all over the world. There are by now at least 150 million borrowers in the world today. Bu it is still very small comparing to the need. We need more microcredit organizations in the world so that more people can be reached.”

Yoga Gives Back is a 501(c)(3) nonprofit organization begun in LA, with the goal to provide a way for Western Yoga practitioners to give back to India, the birthplace of Yoga, which has given us so much. We’re heeding Dr. Yunus’ call to reach more people through expanded opportunities for and awareness of microcredit and have targeted India and Indian families, women, and would-be entrepreneurs, who would be otherwise stuck in the cycle of poverty that Dr. Yunus described. Yoga Gives Back supports microfinancing operations in India, through the Grameen Foundation, headquartered in Washington, DC. Donations go directly to Grameen Koota, Bangalore, South India and our YGB awareness campaign focuses on the real stories of how poor women are changing their lives with small loans from Grameen Koota.

Ms. Vinatha M Reddy

Grameen Koota was started by visionary teacher and philanthropist, Ms. Vinatha M Reddy (pictured, above) in 1999, who learned about Nobel Peace Recipient Dr Muhammad Yunus’ microfinancing and immediately began exploring ways of replicating his work in her hometown. In 2000, she started providing small microcredit loans, averaging $25.00 a month, to fifty local women. Today, Grameen Koota’s work is reaching out to over 280,000 women in Bangalore, Mysore and many areas of Karnataka state, in South India, making real impact on these women’s lives as well as on the local economy.

Yoga Gives Back

The Los Angeles-based Yoga Gives Back has a worldwide reach and began out of the inspiration and dedication of my Yoga mentor Joel Bender and me. Our group has suddenly started growing almost daily and our mission is shared by a quickly expanding and loving Yoga community.

When I was growing up in Japan, which is a very middle-class society, I had never experienced or seen any real poverty, especially growing up in Tokyo in 1960s and 1970s, when Japan's post-war economic miracle was taking place. Then, I had a chance to live in Brazil in the late 1970s for two years, where as a teenager, I saw the divide between poverty and wealth, the reality of the real slums, kids on the streets begging every time you stopped the car at the traffic light, all very much like India. Social injustice hit me hard.

Once I started Yoga practice and feeling my life being so enriched by it , I felt a need to use my resources to help others. I was producing a documentary on Social Entrepreneurship and learned about microfinancing. I shared this information with Joel [featured in the teacher profile in this month’s issue of LA YOGA] who had been looking for the way he could give back to India since his first visit there – so we teamed up.

When I think about the growth of Yoga Gives Back thus far, I give a lot of credit to the entrepreneurship and volunteer spirit of Americans, willing to embrace and support a new grass roots campaign like ours.

Kayoko Mitsumatsu, co-founder of Yoga Gives Back, is a documentary filmmaker whose films deal with social justice issues, including First They Killed My Father a memoir of a Cambodia’s Killing Fields’ survivor.

A Life Changing Story of Microcredit: Jayashree

Jayashree

Jayashree lives in the suburbs of Bangalore and is married and the mother of two children. We visited her at her humble dirt floor one room home for the first time in 2007. We were touched by her warm smile and most generous hospitality, serving us hot tea and cookies.

Jayashree was born into a very poor family in Bangalore. When she was a child, her family’s financial situation became so severe that she had to drop out of school and work at a garment factory. She toiled throughout her childhood and after she got married at fifteen, her meager earnings had to support her ailing in-laws. She had two children. Her husband’s rickshaw business was not enough to pay her sons’ education or secure food for the family.

In 2007, Jayashree learned from her neighbors about Grameen Koota’s microcredit program and applied for her first loan. She was granted a first loan of 7,000 rupees ($175), and immediately bought her husband’s auto rickshaw. Owning their own rickshaw business increased their income significantly.

Jayashree was able to pay back her entire loan in one year and became eligible for her second loan in 2008. Having proven her diligence, her second loan amount doubled to 15,000 rupees ($375). This time, she bought a sewing machine and started stitching bags. The family’s earnings have now tripled and she is earning 150 rupees ($3.75) a day. In addition, she opened a small shop next to her house to sell her products which is earning her an additional 100 rupees ($2.50) a day.

She is sending her elder son to a medical school. Her son dreams of becoming a doctor and thanks his mother’s business for providing his education, their own home and daily food.

To participate in a Yoga practice where the proceeds support Yoga Gives Back and directly impact the transformation of not only your own life, but that of someone in India, start your Thanksgiving week at Yogaglo, Sunday, November 22, 10:00 A.M. - 12 noon. Some of the teachers include John Sahakian, Felicia Tomasko, Alexandra Aiken and Ally Hamilton; more to be announced. Yogaglo.com; yogagivesback.com.

For more information on Yoga Gives Back or to host a Yoga Gives Back class at your own studio or location, visit: yogagivesback.org or contact yogagivesback@earthlink.net.