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www.rangde.

org
Share the colours of joy

About Rang De
Rang De is a pioneering, web-based social initiative
with a mission to provide cost effective microcredit to low income households in India.

VISION To 'Make Poverty History in India' MISSION


To enable individuals in India and the world to connect with low income households by participating in microcredit in a holistic and sustainable manner through an online platform that is transparent and accountable.

Through an online micro lending platform called


RangDe.Org, Rang De enables individuals to participate in microcredit by lending as little as Rs. 100.

Rang De is a registered non-profit trust and is head


quartered at Chennai. The organization is funded and supported by the CSO Partners and ICICI Foundation.

How Rang De Works


RangDe.Org partners with MFIs & NGOs to identify borrowers.

The partner organization posts the profile of the borrowers on the website.

Any investor can access online the profiles of the borrowers for the required loan.

The investor can pay either a part or the entire loan amount to the borrower.

When the entire loan amount is raised, the partner receives the money and disburses it to
the borrower.

Raising Capital
Individual social Investments
Any individual can lend as little as Rs.100 by simply registering online and choosing a borrower of his/her choice.

Corporate social investments


A corporate can participate by allocating a budget from their CSR funds. The funds will be deployed as loans to micro-entrepreneurs.

Rang De Partners
Rang De partners are grass root level nonprofit organisations (NPOs) and Microfinance Institutions (MFIs), having strong presence in the community.
The partners are taken on board after a thorough due diligence process. Due diligence process involves review of financial and other records followed by a field visit by Rang De staff. Rang De partners act as disbursement and collection agents and cannot levy charges other than prescribed by Rang De and agreed as per the agreement. Currently, Rang De has 18 Field Partners with operations in 13 states.

Rang De Entrepreneurs
Name Place Loan availed Disbursed in Business Loan status : Laxmi Sethi : Barapurikia, Orissa : Rs.5,000 : July 2011 : Tailoring : Repaying

Laxmi has bought a sewing machine

with the loan amount. She supplies


garments to local shops in Dashpalla. Her monthly sales range from

Rs.1200-1500 at a 50% profit margin.

She hopes to increase the sales even


further to support the family. She is quite aware of the interest rates which she pays.

Rang De Entrepreneurs
Name Place Loan availed Disbursed on Business Loan status : Kanakama Redi : Puri, Orissa : Rs.5,000 : 21 Feb 2009 : Vegetable vendor : Repaid owner in Puri

A vegetable shop

Kanakama works from 8.00 am until late night. Unfortunately lack of funds force her to buy the vegetables on credit at higher rate. She used the Rang De loan to buy vegetables at wholesale rates to increase her profit margins.

Rang De Entrepreneurs
Name Place Loan availed Disbursed in Business Loan status : Shakeena : Gwalior, M.P. : Rs.5,000 : November 2010 : Box making : Repaying

Shakeena took loan for expanding her

business of box making for sweets. It


has helped her a lot in increasing the supply which in turn improved her profits. She is very happy with the

monetary help which she received and


would like to take the loan again for scaling up her venture as she is quite confident on repaying the loan back.

Rang De Entrepreneurs
Name Place Loan availed Disbursed in Business Loan status : Champa Haldar : South 24 Pgns, West Bengal : Rs.5,000 : October 2010 : Decoration Items Sale : Repaying

Champa Halder heaved a sigh of relief after receiving the monetary help as she was able to cash on the Durga Puja sale.

She has been able to make savings and


also able to make her children to pursue their education without any difficulties. She is very regular at her repayment

schedule and is also aware of the


interest rates .

Rang De Entrepreneurs
Name Place Loan availed Disbursed in Business Loan status : Saritha Babu : Chengalezhattu, Kerala : Rs. 5,000 : December 2010 : Banana Cultivation : Repaid

Saritha used the loan to buy fertiliers as

planned and she feels it has helped her


greatly. There has been no incident of disease among the plants and the yield has been better. She uses about 10%

of leased land to cultivate the bananas


and pays Rs.50 per plant that she grows. Happy with the results she would like another loan of a bigger amount.

Rang De Entrepreneurs
Name Place Loan availed Disbursed in Business Loan status : Rinkuben Parmar : Surendranagar, Gujrat : Rs.5,000 : September 2010 : Bandhini work on cloth : Repaying

Rinkuben is a tie and dye artist who

needed working capital to invest in


threads, dye and other materials

needed for the occupation. She has noted that while she previously earned

Rs. 1000/month, she now earns Rs.


2000/month. A future loan would help her grow the business even more.

Rang De Loans
Loans for Businesses
These loans are facilitated at a rate of 8.5% flat. Partner : 5% Loans are for income generation activities. Around 150 different activities funded so far. Social Investor : 2% Rang De : 1%

Contingency Fund : 0.5%

Micro Enterprise Loans


These loans will be facilitated at a rate of 10% flat. Loans will be facilitated for small businesses. Loan size in excess of Rs.25,000 Contingency Fund : 1% Rang De : 2% Partner : 3% Social Investor : 4%

Rang De Loans
Loans for Primary & Secondary Education
Loans are facilitated at a rate of 5% flat. Loans are facilitated to fund school fees, stationery, uniform and other expenses. Loans are facilitated in the form of Education Vouchers. Partner : 4% Social Investor : 0% Rang De : 1% Contingency Fund : 0%

Schools accept education vouchers in lieu of fees, uniforms and other expenses.

Loans for Job Guaranteed Vocational Education


Partner : 5%
Loans are facilitated at a rate of 8.5% flat. Loans are provided to unemployed youth from rural India. Training and placement is provided by our strategic partner. Social Investor : 2% Rang De : 1% Contingency Fund : 0.5%

Social Investor Benefits


Power to choose where the money goes. Social returns, satisfaction of doing good Nominal financial returns Reinvestment option, can revolve fund. Transparency, repayment and evaluation reports are published for each borrower Own account to keep track of social investments

Mitesh Tank Mumbai, India " I believe in Rang De because it is the only viable solution to eradicate poverty from India instilling a sense of self belief in people. "

Corporate Social Investors


Power to choose where the money goes. Social returns, satisfaction of doing good Nominal financial returns Reinvestment option, can revolve fund. Transparency, repayment and evaluation reports are published for borrowers Own account to keep track of social investments

Ability to involve employees of the corporate

Latest Statistics
Borrowers Impacted
Social Investors Corporate Social Investors Loans raised Loans repaid

11,312
3,127 8 INR 60.3 million INR 40.6 million

As on 9th December 2011

Thank You
For more details please contact us at

RangDe.Org A 1102, Ajmera Green Acres Bannerghatta Road Bangalore - 560 076 Phone No. : +91 80 41650037 Mobile No. : 9686114609 (Ram N K, CEO of Rang De)
E-mail: support@rangde.org