The Story of a Fighter

Meet Beautician Bano, a fiercely determined entrepreneur and mother of three, who rose above all odds from sweeping a beauty parlour to owning her own.

Since she was a child, Fairoza was fond of studying and learning new things; but due to familial constraints, she was unable to pursue her dreams of being educated. She was married at the age of 16.

Unfortunately, her marriage was not a happy one. For 12 years Fairoza’s husband, who worked as a rickshaw driver, subjected her to verbal and physical abuse. She described herself as being “treated like a slave”.

Pregnant with her third child and having had enough, she took her two children and packed her bags to leave her husband for good. When she went back to her parents, she did not receive the kind of support that she had hoped for or needed — they were struggling financially and could not afford to feed three more mouths.

When everything seemed to be stacked against her, Fairoza tapped into her inner strength and resolved to tide over the tough times. Only two months after delivering her youngest child, Fairzo started working as a sweeper to support her three children.

Soon, she found employment as housekeeping staff at a beauty parlour. Fairoza was fascinated by all the activities that unfolded in her new place of employment — intricate mehendi designs, precise eyebrow threading, manicures, pedicures and fancy hairstyling. Soon, Fairoza found herself nurturing a new dream — she wanted to own her own beauty parlour someday. In preparation, she would spend hours at the parlour observing the staff and absorbing everything she saw.

But there were many sceptics: How can a sweeper ever hope to learn the intricacies of the beauty business, they would say behind her back. But none of this deterred Fairoza; she was determined to prove them wrong.

She found her opportunity through the Godrej’s Salon-i program, where she not only learnt beauty skills but also other aspects of business management like customer relationship management, timely service delivery and maintaining hygiene standards. Armed with her new knowledge and skills, Fairoza began a beauty parlour in the premises of her house and nurtured a loyal customer base. With the income from her beauty parlour, she was financially self-sufficient, and able to provide for the education of her three children.

However, within a few months, in March 2020, a National lockdown induced by the COVID-19 pandemic forced her to shut down her parlour. Left without her only source of livelihood, Fairoza found herself in a rut yet again. This is when, through Godrej, she was introduced to the REVIVE Alliance.

Through REVIVE, Fairoza received a returnable grant — a no-interest, zero-collateral loan — that helped restart her business after months of economic inactivity. The grant allowed her to purchase resources and amp up her parlour’s hygiene measures to win customer confidence.

Now, she aptly introduces herself as “Beautician Bano” and aspires to start a second salon along with a new textile business. Learning from her own struggles and recognising those of other women like her, Fairoza dreams to provide free training to underprivileged women so that they can triumph over the setbacks in their lives. She aspires to create a path for others like herself to become strong and independent.

This story was editorialised by Raveena Joseph

CSR Trends & Opportunities in India: 2021

Samhita has conducted a CSR research study in collaboration with the Japan International Cooperation Agency (JICA), which coordinates Official Development Assistance for the government of Japan. JICA assists economic and social growth in developing countries, along with promoting international cooperation.

This research report on ‘CSR trends and opportunities in India’ maps the CSR landscape in India, as experienced by Japanese, Indian and MNC companies, as well as implementation partners (NGOs and Social Enterprises). The report achieves this by taking an in-depth look at the following:

  • National macro-level CSR trends on compliance, spending by cause areas, geographies and modes of implementation,
  • Findings surrounding the CSR approaches, types of approaches to CSR and challenges as reported during surveys and quantitative interviews conducted with Japanese companies, Indian companies and MNC companies operating in India,
  • Insights from qualitative interviews with implementation partners regarding their approaches to funding and CSR partnerships, benefits they see in engaging with CSR and challenges they face while building and maintaining CSR partnerships,
  • Defining features of an ideal CSR program and CSR trends in the near future,
  • CSR recommendations for Japanese companies operating in India and recommendations for JICA for creating a more enabling CSR ecosystem.

Business Is Not A One-Time Activity

Self-dependent, resilient and driven, Santosh Sharma and her husband Rajinder Sharma continue to face challenges with grit despite multiple challenges.

Mrs. Santosh Sharma, 37, runs a manufacturing business along with her husband Rajinder Sharma (both of them are orthopaedically challenged) from their home in Delhi. They manufacture and sell various types of hand-made and machine-made cotton wicks and other essential pooja items (festival products) via B2B and B2C channels, exhibitions, and online sales channels like Indiamart and Instamojo.

The establishment of their business in 2018 was closely tied with support from ATPAR (www.atpar.in), an organization that provides Entrepreneurship Development and Mentoring  support to entrepreneurs with disabilities. They decided to start this home-based manufacturing enterprise after they attended an Entrepreneurship Development Training session conducted by ATPAR where they learned the manufacturing process. Santosh and Rajinder Sharma have grown to have three people under their employment in the time since, and have started getting international orders, while continuing to receive ATPAR’s mentoring and handholding support.

Their business, understandably, has been affected by the COVID-19 pandemic; they’ve seen a dramatic drop in the number of orders they receive and the few customers who do place orders are not consistent. So, the couple has had to scale back the level of operations to a bare minimum. The cost of critical raw materials have also increased by up to 20%. Yet, they persevere and remain future-focused. “Customers are few and not consistent, but business is not a one-time activity — it is an on-going process. Everyday, you have to find a new customer and keep trying,” said Santosh. 

The REVIVE Alliance partnered with ATPAR’s initiative NEDAR, a Network of   Entrepreneurs with Disabilities, during the pandemic, for a couple of important reasons: 1. These entrepreneurs face several intersectional challenges with regards to disability and gender, and 2. They are vulnerable members of the informal sector. The Sharmas received a returnable grant from REVIVE for ₹40,000 (USD 538) in March 2021.

However, soon after, the devastating second wave of the pandemic affected their business. The couple had to adopt a conservative approach, spending only as much as the limited order pipeline allowed. REVIVE offered a deferment on repayments on the Returnable Grant at the onset of the second wave, which supported the couple in planning ahead. The success of the REVIVE program is incumbent upon the participants’ resilience and drive to get back to work. For instance, as their business recovered, the Sharmas increasingly planned to leverage online platforms such as Indiamart to sell their products. “Self-dependency or atmanirbhar means you don’t spoon feed people. They have to have the passion to be self-dependent. You have to decide you want to do this. Otherwise, people will continue to exploit you one way or another,” said Rajinder.

This story was editorialised by Raveena Joseph

Are We Moving Towards a Truly ‘Social’ Stock Exchange?

SEBI recently approved the creation of India’s social stock exchange. We analyse some of the strengths and shortcomings of its proposed framework and operational structure.

The purpose of establishing the SSE in India is to ‘take our capital markets closer to the masses and meet various social welfare objectives related to inclusive growth and financial inclusion’.

While it is too early to determine if the SSE will be able to achieve this purpose in the long run, Samhita’s Anushree Parekh, Amiya Walia, and Shivina Jagtiani examine whether the proposed mechanisms are defined and designed in a manner that furthers this goal. In doing so, we draw upon the insights and learnings published in our comprehensive research that reviewed seven global SSEs

Samhita’s Report on Social Stock Exchanges from 7 Countries

Samhita recently conducted a study of SSE’s in 7 countries to evaluate its importance in India

The Securities and Exchange Board of India (SEBI) approved the creation of the ‘Social Stock Exchange’ which is widely perceived to be a game changer in the social impact segment.

According to Samhita’s report, SSE holds the potential of becoming an agent of change for civil society. It can theoretically unlock new capital, promote equity, introduce new instruments for donors to fund operations, streamline regulations and create an ecosystem of enabling frameworks for civil society.

But on the other hand the report also lays down the risks such as duplicating the operations of a conventional stock exchange, segmenting or further exacerbating inequalities within and between sectors, and failing to create a strong culture of giving. Stakeholders must create a representative that incorporates the concerns and wisdom of civil society and social organisations.

An SSE can be a means for the markets to serve the society; not for society to serve the markets.

I’m Happy I’m Able To Do Something On My Own

Warli artisan Yamini is proud to be an earning member of her family in a time of crisis, and hopes to inspire her sons to be independent and resilient.

Yamini, who had started out as a tailor, now has additional skills to boast about. A 35-year-old from Maharashtra, Yamini migrated from her home village, Jalgaon Jilla, to the city of Bhiwandi to earn a better livelihood.

Through her Bachat Gat (Self Help Group), she started attending the stitching training workshops conducted by TISSER in 2018. Having worked as a tailor, she was used to stitching blouses and saree falls (a piece of clothing attached to the hem of a saree), but with additional training she learnt to make newer pieces of clothing like jackets etc. It was in one such training session that TISSER representatives introduced her to Warli art. 

Her husband, the primary breadwinner of the family, works as a driver for private cab service companies. His monthly income of around ₹15,000 was insufficient for family expenses, including the education of their two sons, which eventually required them to rely on informal money lenders. 

The uncertainty created by COVID-19 and the fear of her husband’s livelihood loss due to lockdowns spurred Yamini’s decision to build her skills and learn Warli art as part of a skilling initiative by the REVIVE Alliance. Through TISSER, she received production orders, which opened up a new avenue of income. When Yamini became able to supplement the family’s income with ₹2000-₹4000, she felt a sense of accomplishment. 

Yamini has come a long way in her journey as an artisan – not only as an artist but also as a trainer. She has trained about 40 women artisans in Warli designs. They do wall frames, odhani work, kurta designs, etc. “On some days, household chores take up a lot of time and I get free only by midnight. Then I have to stay up at night to finish the work. But as soon as I send in the work, TISSER sends me the payment. The more intricate and unique the designs I do, the more money I make,” said Yamini. 

Yamini has found the work-from-home arrangements lonely. She’s used to working collaboratively with other women artisans. But she’s glad for the example she’s setting for her sons. “I’m happy I am able to do something on my own. We haven’t taken any money from anyone; we’ve earned everything we have on our own. I want my sons to learn the same and be able to stand on their feet,” said Yamini.

This story was editorialised by Raveena Joseph

An Uphill Climb

Fearless and focused, Warli artist and trainer Razia has been breaking barriers in her community and enabling other women to restart their livelihoods.

When Razia Falluh Khan learnt that a group of 30 women in Ulhasnagar, a city over 40km away from her hometown Vajreshwari, Maharashtra, needed training in Warli artisanship, she was hesitant. The journey required her to climb a hill. “But then the TISSER program people told me that the women wanted me to train them. At that time, I was training another 30-50 women in a village near Ulhasnagar. So I decided to train one set of women in the first village, climb up the hill to Ulhasnagar and train another set of women there,” recounted Razia, who did this for a month.

Hardworking and resilient, 30-year-old Razia is a Warli art trainer and artisan. Razia loves to paint and during her time as an artisan, she used to make cards, frames, books, bags, tea trays, tea pots, etc. “I started working so that I could stand on my own feet. With whatever I make, I see how I can contribute towards my family expenditure,” said Razia, who is a breadwinner in an 8-member household. 

Razia has been a Warli artisan working under the TISSER program since 2017. Before the pandemic, Razia travelled to Mumbai to learn how to market her products better. But when the pandemic hit, the frequency of orders for her products reduced. To make up for the lost income, Razia switched over to training other women in the craft. She earns ₹275 per day as a trainer. 

A part of the REVIVE Alliance, the skilling program has not only given Razia a platform to earn and grow, but also helps her enable other women to do the same. Before the pandemic, women would congregate in one place to learn Warli art. Now, due to COVID-19 restrictions, trainers like Razia need to travel to villages around the region. 

“Most women don’t travel, and those who do only go to closeby places. I’m the only one who accepts going to far away areas like Vitthalwadi, Bewundi, Ulhasnagar. The travelling can get very difficult…for example, I had to change 6 vehicles to reach Badlapur one way — train, rickshaw, bus,” said Razia. 

Her mother is often very worried when she returns home late, but this doesn’t bother Razia. She stays focused on her goals: she just wants to earn her livelihood and grow. “I want to be recognised for the effort I put in and get compensated/promoted accordingly. I want a regular income. Women need to be supported; men can get a job anywhere. Only if we support women can they be empowered,” said Razia.

This story was editorialised by Raveena Joseph

A Long Road to Recovery

For Warli artisan Savita, who was financially independent before the pandemic, the depletion of savings and unstable earnings is a great cause of anxiety.

Savita Vastakar, a 32-year-old artisan, got trained in Warli art when she found out about the TISSER skilling program through a women’s self-help group in 2018. “I always loved to draw. I thought I could take up this work because I have artistic talent and I wanted to earn some money by working from home,” said Savita. 

Being an artisan allowed Savita to feel good about making her own money. But her world changed when the COVID-19 pandemic hit. She went from being financially independent to income-less. “My earning had gone down to zero during the peak of the pandemic. Our TISSER work stopped for 2-3 months when the first series of lockdowns happened. Even though orders were coming in, none of us were leaving home so we couldn’t work,” she lamented. 

Resident of a chawl in Gaikarwadi, Maharashtra, Savita noticed that everyone in her neighbourhood was experiencing similar hardships. “The pandemic has impacted family earnings because work has become irregular. The kids are not going to school, online schooling is not very helpful and the kids are also bored. We are also scared to step out. Coronavirus has ruined everything,” said Savita, distraught and gravely worried about the path forward. 

Though not too optimistic about the future, Savita remarks how getting vaccinated has given her some hope that things will get better.

Her only means of income now is through TISSER — she makes clothes, wood frames, pots, etc. Even though income was irregular for a few months, things slowly started stabilising for Savita when India recovered from a harsh second wave in mid-2021. A part of the REVIVE Alliance, the UNDP-supported program by TISSER helps women artisans like Savita procure raw materials and sell finished artisanal products. “I got an order in June and another for a top in August,” said Savita. 

While Savita is glad to be earning something, the lack of stability in income has left her very worried, as the family has had to dip into savings to tide through the pandemic. 

There is a long road ahead before the lives of artisans like Savita can go back to normal. “Due to lack of money, people like me are unable to dream of a better future. I want to be able to earn a fixed salary so that I can take care of the household expenses and my children,” said Savita.

This story was editorialised by Raveena Joseph

The Power of Painting

Through an artisanal upskilling program facilitated by the REVIVE Alliance, one resolute woman has found a way to turn her passion for painting into a means of income that can facilitate her children’s education.

Gayatri Ganesh Gaikar, 38 years old, lives in a joint family which includes six other members. When two of them contracted COVID-19, the entire family had to quarantine themselves for 2 weeks, which not only increased their healthcare worries, but also their livelihood concerns. Gayatri, a mother of two children, shoulders all the domestic responsibilities in the household. Her husband, who works as a driver, lost his job due to COVID-19. “During the pandemic, his previous company shut down. He only gets little work now and only leaves the house for work on some days. Apart from him, in this household, I paint. Since we’ve had to stay at home and not go out to look for work, I’ve only been painting,” said Gayatri, who identifies herself proudly as a financial contributor to the family.

Gayatri’s household income has reduced by more than 50% due to COVID-19 related issues. Determined to supplement her family income, Gayatri turned her passion for painting into an income source after she heard about the TISSER skilling program, a part of the REVIVE Alliance, in her neighbourhood. “Earlier, I used to do some tailoring work like stitching bags along with other women in my bachat ghat (Self Help Group). In 2020, one of my neighbours told me about a TISSER training program and since I was interested in painting, I went to check it out,” said Gayatri. 

Through the TISSER program, Gayatri has already completed 1 year of professional training in Warli painting, and her second year is ongoing. “TISSER gives us raw materials, and we just do the artistic work and give the product — like odhani, kurta, dress — back to them; they sell it. We work in a group, but if there are too many people it gets scary because of Covid. I work in a group with 2-3 women from my village, so that we don’t have to travel much. I like working with them because I can work on the parts I enjoy — like designing. They are also very encouraging about my work,” said Gayatri. 


Her contributions to the household income (now around ₹ 8,000-10,000), helps them meet their bare basic needs — including food and children’s education. However, expenditure always threatens to exceed income. The family is worried about their health, their lack of savings and their difficulties in meeting monthly expenses. “I would like it if work increases. Some days we don’t get too much work and because of Covid, I can’t go out and I can only do this. More income would be nice because the kids are also studying now — 10th standard and 4th standard. I have my family’s support to work as well, so I can work well,” said strong-willed Gayatri.

This story was editorialised by Raveena Joseph

Oxygen for India: SBI Foundation and Samhita-CGF provide oxygen concentrators in critical districts

Samhita and CGF collaborate with SBI Foundation’s Project Breath Free to provide oxygen concentrators and other equipment to hospitals in Maharashtra, Nagaland and Manipur.

During the second wave of COVID-19, Maharashtra contributed to almost 24% of the cases in India. Other states such as Nagaland and Manipur, with weak healthcare systems, also saw a large number of cases. During this time, states across India faced a severe shortage of oxygen, one of the critical provisions that is needed to support treatment and recovery of affected patients. 

In response to this crisis, SBI Foundation launched Project Breathe India – an initiative to deploy medical equipment including oxygen concentrators and help government run and charitable hospitals meet their oxygen requirements. 

Through Project Breathe India, SBI Foundation, collaborated with Samhita and Collective Good Foundation (CGF) to deploy the equipment in districts of Maharashtra, Nagaland and Manipur. 

Samhita and CGF collaborate with companies, foundations, bilaterals and multilaterals, and social organisations to design and implement impactful social sector initiatives specialise in designing and implementing large-scale development sector projects. This partnership with SBI Foundation contributed to Samhita and CGF’s consistent and multi-stakeholder response to the COVID-19 healthcare crisis. 

In Maharashtra, SBI Foundation, Samhita and Collective Good Foundation supported two districts – Buldhana and Chandrapur. In Buldhana, in collaboration with Hunger Collective, Mahapeconet, and Rise Infinity Foundation, Samhita and CGF facilitated the supply of 35 Oxygen Concentrators to five hospitals. 15 Oxygen Concentrators were provided in Chandrapur.

Samhita and CGF also collaborated with Safe Pro Fire Services to distribute 100 oxygen cylinders and 100 flow meter devices to hospitals in Nagaland and Manipur.