CGAP Microfinance

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• CGAP Microfinance
• Photography Exhibition
• For the past two years, The Consultative Group to
  Assist the Poor (CGAP) has invited photographers
  to share their vision of microfinance. This
  exhibition presents the best of the entries to
  the CGAP Microfinance Photography Contest. The
  contest has drawn more than 1500 entries from
  over 60 countries.
• Citi is pleased to share this exhibition with you
  as part of our commitment to raise awareness
  around microfinance. We hope you enjoy these
  vibrant images of microentrepreneurs from around
  the world.

World Bank Group
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Tapas Banerjee, IndiaMuslim Women Gather
Together toStitch Clothes and Embroider.
Birbhum, West Bengal.Microfinance services
enable these women to purchase cloth, thread and
other materials they need to support their
microenterprise.
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Vikram Joy, IndiaQuilt Maker. Chandigarh,
India.This photograph was taken during the
winter season when quilt-making is at its peak in
India. Women, mostly from rural areas, come to
the cities to beat cotton out under the sun and
use it to fill quilts.
4
Diane Bondareff, USAWomens World BankingClient
of Womens World BankingNetwork Member FWWB.
Ahmedabad, India.
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Michael Foley, USAThe World BankBroom Maker.
Village of Sri, Nissankamallapura, Polonnaruwa
District, North Central Province, Sri
Lanka.Widow and mother of three, found herself
unable to support her family, the Community
Development and Livelihood ImprovementGemi
Diriya Project gave her hope. She now runs a
cooperative with nine women manufacturing brooms
for local markets.
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Michael Foley, USAThe World BankGetting a Hair
Cut. Village in Jamalpur Province,
Bangladesh.This barber received a 34 grant to
set up a sustainable business and a source of
non-farm income a hairdressing shop.
7
Nicolas Peña, USATrimaran AdvisorsMobile Phones
Are Leading the Way.Tangail, Bangladesh.From
Bangladesh to India, from Sudan to Colombia, more
than 3.3 billion cell phones have come into use
over the last quarter century, with more users
in the developing world than in the West.
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Romuald Blaise Gnacadja, BeninMulti-Services
TechniquesMen in wheelchairs tend their crop.
Bohicon, Zou, Benin.
9
Corjan Rink,the NetherlandsWoord en Daad
HollandVessels. Dhaka, Bangladesh.Thousands of
people have died because of water contaminated by
arsenic. The Christian Service Society, partner
organisation of Woord en Daad Holland, is
supporting a microfinance project for the
construction of a water purification system.
10
Paul Snijders,the NetherlandsThe Produce
Market.Chichicastenango, GuatemalaMicroentrepren
uers thrive in the vibrant colours and movement
in this marketplace.
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Rolando Villanueva, AngolaKixiCréditoThe
Transaction. Kampala, Uganda.Nakasero Market,
located in the heart of Kampalas commercial
district, is one of Ugandas famous farmers
markets, where goods are sold in bulk and
retail.
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Rohanna Mertens, USAACCIÓN InternationalSoap
Maker. Azové, Benin.
13
Rohanna Mertens, USAACCIÓN InternationalClara
Hernández and Her Husband,Marcelino, in their
Vegetable Store. Xoxtla, Mexico.Marcelino had
just lost his job at a local factory. The couple
decided to start their own business. They found
they needed capitalto expand and buy more
produce. Clara applied for and received a 250
loan from Compartamos in Mexico.
14
Pit Buehler, SwitzerlandTop Down. Dhaka,
Bangladesh.Microfinance is often described as
the bottom up alternative to top down aid. In
the early start-up phase, microfinance
institutions often require subsidy. But over
time, they are able to cover their business
costs.
15
Pauline Häbel, GermanyGTZMotorbike Repair.
Banda Aceh/Aceh Besar, Aceh Province,
Indonesia.The motorbike repair shop, Asia Baru,
is a very lucrative business in Banda Aceh. It is
supported by the local Bank Perkreditan Rakyat
(BPR) or Peoples Credit Bank, a microfinance
institution.
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Tyler Woolstenhulme, USAEagle Condor
Humanitarian, FINCA InternationalWindow of
Opportunity. Chiclayo, Peru.Seen through the
gate of a small elementary school in Chiclayo,
Peru, a mother and daughter prepare their food
stand hoping for a day full of visitors.
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Dana Whitaker, USADana E. Whitaker, Opening
EyesYang Hengbian Harvests Mushrooms. Nanzhao
County, Henan Province, China.
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Dave and Kend ra Larson, USAHOPE
InternationalFishermen. Sri Lanka.Sri Lankan
fishermen use loans and savings services to help
them in their fishing enterprises. Their success
can lead to success for their customers who are
able to build and maintain their stalls and
vehicles to transport goods.
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Dave and Kend ra Larson, USAHOPE
InternationalWoman in Burka. Afghanistan.Could
access to finance be one small step to freeing
this woman and millions of others like her from
the grips of poverty?Microfinance reaches 66 per
cent of women across the world.
20
Céline Ferré, FranceUC BerkeleyWomen Talking.
Bah Ha, Vietnam.These two women meet at a weekly
market in Northern Vietnam after selling their
crops. Many poor people in Vietnam get loans to
breed chickens and ducks, process garments or
develop other small businesses.
21
Boaz Rott em, ChinaBoazimagesBackyard Business.
Gambella, Western Ethiopia.Mazarat, a housewife
in Gambella, Western Ethiopia, brews coffee in
her backyard to create an income for her
household. Mazarat says her microbusiness allows
her to make some money that she uses to feed and
clothe her children and to pay for their
education.
22
Fernando Decillis, USAPlaza Bolívar. Bogotá,
Colombia.In Bogotá, many street kids make a
living from tourists. These coins are payment for
giving directions.
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Ron Londen, USAJourney Group (for Opportunity
International)Susu Collector. Accra,
Ghana.Unlike conventional loan officers, who
hold weekly meetings for clients to conduct
training and collect loan payments, Gaetengoes
to where the clients work, making it more
convenient and cost-effective for them to make
payments.
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Jean-Bast ien Lagrange,FranceIndian lassi
Vendor. Varanasi, India.Microfinance often helps
small, informal businesses, including street
vendors.
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Christopher Burns, USASalt Pans. Urubamba,
Peru.The salt pans near Urubamba, Peru, were
built by the Inca more than six centuries ago.
They are now run by a local cooperative.
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Sultan Huss ein Ali, IraqAccess Credits
ServiceInitiative, CHF InternationalMaking a
Kiln from Mud. Al-Kufa, Najaf, Iraq.Like his
ancestors before him, this Iraqi man is building
a kiln from mud. He is supported by Access
Credits Service Initiative, a programme of CHF
International, Iraq.
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Mohammad Rakibul Hasan,BangladeshDhaka Film
SchoolFarmer Fixing Paddy Plants. Garo Hills,
Sherpur, Bangladesh.
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Aizada Subanbekova,KyrgyzstanBai Tushum and
PartnersDiligent Sheep Breeder. Kyrgyzstan.
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Syed Tahir Jamal, Pakist anTahir Photografics
StudioUnion Engineers. Lahore, Pakistan.Union
engineers at Khalil Autoparts pose in front of
their new machine, which was provided by the
Financial DeepeningChallenge Fund, a DFID
programme.
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Romuald Blaise Gnacadja, BeninMulti-Services
TechniquesA group of women specialising in
cake-making. Bohicon, Zou, Benin.
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Michael Foley, USAThe World BankFishing in the
Paddy. Jamalpur Province, Bangladesh.
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Ron Londen, USAJourney Group (for Opportunity
International)Gina Panuela Tends to Her Weaving
Loom. Salngan Village, the Philippines.
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Ru fat Abas, AzerbaijanAzeri Star Microfinance
LL CA Beekeeper Tends His Hive. Samukh District,
Azerbaijan.
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Romain Joly, FranceMohamed Khalfaoui Sells
Jewels in Markets. Morocco.
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Fernando Decillis, USALa Candelaria. Bogotá,
Colombia.These stores can be both clients of
microfinance and agents for banks and other
financial services in their communities.
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Dana Whitaker, USADana E. Whitaker, Opening
Eyes, Ghana.A Maize Merchant Keeps Her Child
Close.
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Anders Gunnartz, SwedenTara Banu Milking a Cow.
Bashuakhula, Bangladesh.Tara Banu is a farmer
and shopkeeper in the village of Bashuakhula. She
has been a Grameen Bank customer since 1993.
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John Seegers,the NetherlandsCoffee Farmer. El
Ermitaño, Honduras.La Central de Cooperativas
Cafetaleras de Honduras, the largest cooperative
of coffeefarmers in Honduras, provides
microcredit and saving services to farmers.
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Srinivasa Rao Allamsetty, IndiaHema Advertising
(India) Private Limited, IndiaBasket Weaver.
Andhra Pradesh, India.Basket weaving is a
typical microbusiness for poor women in India.
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Srinivasa Rao Allamsetty,IndiaHema Advertising
(India) Private Limited, IndiaBringing Fresh
Fish to Market. Andhra Pradesh, India.
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Srinivasa Rao Allamsetty,IndiaHema Advertising
(India) Private Limited, IndiaOn Her Way. Andhra
Pradesh, India.Transportation and infrastructure
are important for many microentrepreneurs.
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Srinivasa Rao Allamsetty,IndiaHema Advertising
(India) Private Limited, IndiaIndustry. Andhra
Pradesh, India.Many women turn to textiles to
support their families.