Guardian MFI

2008 - International Year of sanitation - United Nations.
To halve by 2015 proportion of people without sustainable access to safe drinking water and basic sanitation - Millennium Development Goal.
The day every of us gets a toilet to use, I shall know that our country has reached the pinnacle of progress - Jawaharlal Nehru, Former Prime Minister of India.
Water is life: Sanitation is dignity.
One sixth (1.1 billion) of the world population do not have easy access to safe drinking water.
Half of the world population (2.4 billon) do not have access to adequate sanitation.
2.2 million children die every year from diseases connected with lack of access to safe drinking water and adequate sanitation and 6000 children every day.
An average person in the developing world used 10 lirtes of water every day whereas in UK it is 135 litres.
Washing hands with soap and water can reduce diarrhea disease by one third.

Microfinance Good Practices Europe Award

GUARDIAN

OUTREACH as on January 2014

Particulars	Outreach Details
No. of States	01
No. of Districts	04
No. of Branches	09
No. of loans Jan '14	1683
No. of Borrowers	51,015
Cum. Loans	51,015
Disb Jan '14	INR 14.71 m
Cum. Loans	INR 414.51 m
Gross Portfolio OS	INR 10.56 m
PAR > 180 days	0.45%
Repayment Rate	97%
Women Borrowers	100%

A market led, evidence based, approach to rural sanitation November 2013
World Water Day & Water Credit Borrowers Meet Monday, March 23, 2009 11:00
Urban water connection May,2009
Annual Report 2009-10 March, 2010

GUARDIAN is an acronym of Gramalaya urban and rural development initiatives and network, a micro finance institution (MFI) and a not for profit organization with no capital, registered under Sec. 25 of Companies Act 1956 was came into existence from 6.11.2007 with its Administrative office at Raja colony, Trichy and it was promoted by Gramalaya NGO, which is pioneer in the field of water and sanitation for more than 2 decades in Tiruchirapalli District.

CASE STUDY

Mrs.Nagavalli w/ o Mr.Srinivasan, having 1 male child and 4 female children, of which two of the female children are blind is residing at Keela Devadanam area in Srirangam zone of Trichy District. She says that earlier, she use to take water from her neighbor house by paying Rs.30/- monthly. Though Guardian, uniquely lends for water and sanitation at low rate of interest. So she availed loan from Guardian and utilized for water connections. Now all her family members are happy and able to run the business without any problem. Now she could able to get enough water for her use and also help neighbors to take water at free of cost.

IDS services:

Water.orgl-USA,an international donor agency has come forward to support Guardian in terms of recurring admin cost, basic infrastructures and IDS services.

Governing Bodies:

Guardian is governed by the Board of Directors and will involve in all policy formulations and other important decisions towards development of the organization in all respects. The board participates...

Visitors:

Once water credit initiatives was launched by Guardian, first of its kind in the world, several agencies, NGOs, donors, international agencies and MFIs have paid visits to Guardian’s field areas and interacted with the borrowers ....