Hum1+Group1

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Poverty is an extremely broad topic, so we've decided to focus on some of the poor places in India. Slums have always existed in India, in fact, slum-dwellers make up 60% of Mumbai's population, that is approximately 7 million people. Mumbai is one of the poorest places in India, holding up to millions and millions of homeless people, so we've decided to narrow our topic down to the people living in the slums of Mumbai.======

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After researching, we saw the bleak future the street children will be facing, how people are starving, and how they don't have a proper place to live. People are making houses out of random things they see. Children are wondering around the streets desperate to see something edible in the trash.The conditions in the slums are terrible. Slum inhabitants constantly have to deal with issues such as, constant migration, lack of water, no sewage or solid waste facilities, lack of public transit, pollution and housing shortages. Infant mortality is as high as it is in rural India where there are no amenities. General Hospitals in the Greater Mumbai region are overcrowded and underresourced. In fact, most people rely on private doctors, many of which do not have any qualifications or official training. Twenty five percent of Indians live on less than a dollar a day and seventy percent live on less than two dollars a day. The slum areas are called by different names in different regions like Chawls in Mumbai; Basthis Katra and Jhuggi Jhopdis in Delhi; Basthis in Kolkata; Abadis and Shats in Kanpur and Cheris in Chennai, etc. Every slum has certain similarities like dilapidated structures, congested sanitation and poor supply of drinking water. The number of people living in slums has increased rapidly in the past 20 years and now exceeds the entire population of Britain, India's slum-dwelling population had risen from 27.9 million in 1981 to 61.8 million in 2001. This not only shows how many people suffer in Mumbai, it also shows how the recent economic boom has left behind millions of the country's poorest people. Everyone should have the right to live a healthy and happy life, instead of starving on the streets. It is up to us to justify that and make the world a better place.======

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Banks don't usually provide financial services to people with no cash income. because of this, they often rely on a relative or a locan moneylender, whose intrests rates may be very high. Theoretically, microfinance may encompass any efforts to increase access to, or improve the quality of, financial services poor people currently use or could benefit from using. They receive loans and grants from charities. This changes our issue by giving the poor a chance to be able to rocover from poverty, reboost, and start over.======

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 * -What are some of the things we like about their program?** Unlike other organisations, where they just give them the money and make things a little easier for them, they try to completely bring poor people out of poverty, and let them move forward and on with life.======

**-What are some questions we have about it?**

 * Is microfinance a solution to poverty?
 * Why are microcredit interest rates so high?

we can donate money, help raise money for microfinance and give them the money so they can use the money and give more loans. **
 * -How could you/we become involved with this organisation?**

__Organisation 2 :__ Grameen Bank** **-What is the organisation?** banking system based on mutual trust, accountability, participation and creativity. GB provides credit to the poorest of the poor.

Professor Muhammad Yunus, the founder of "Grameen Bank" and its Managing Director, said that if financial resources can be made available to the poor people on conditions that are appropriate and reasonable, "these millions of small people with their millions of small pursuits can add up to create the biggest development wonder."
 * -What exactly are they doing to try and combat or change our issue?**

They are very much similar to microfinance. They eliminate the exploitation of the poor by money lenders, and they also make opportunities for self-employment for unemployed people, bring the disadvantaged, mostly the women from the poorest households, and reverse the circle of "low income, low saving & low investment", into virtuous circle of "low income, injection of credit, investment, more income, more savings, more investment, more income".
 * -What are some of the things we like about their program?**


 * -What are some questions we have about it?**
 * Does Grameen Bank make profits?
 * How is Grameen bank different from commercial banks?
 * Is Grameen Bank a solution to poverty?

we can donate money, organize charity events and raise money for grameen bank.
 * -How could we become involved with this organisation or model our action plan with it?**

http://en.wikipedia.org/wiki/Grameen_Bank http://www.grameen-info.org/index.php?option=com_content&task=blogsection&id=5&Itemid=164 http://en.wikipedia.org/wiki/Microfinance http://www.kiva.org/about/microfinance/http://www.microfinancegateway.org/section/faqhttp://www.archidev.org/article.php3?id_article=390http://mumbai.metblogs.com/2006/01/09/mumbai-slums/http://www.guardian.co.uk/world/2008/nov/27/india-mumbai-terror-attacks
 * __Resource Log:__**