Smile Foundation India
SUPPORT A CAUSE
Logo
Smile Foundation India
DONATE NOW

Author: Smile Foundation

Categories
Smile

Do Women Drive Other Women?  

Do Women Drive Other Women?
Do Women Drive Other Women?

Women participation in the workforce lags significantly behind owing to various challenges like gender discrimination, unequal pay, lack of access to education and skill development, insufficient maternity and childcare support, societal norms prioritising unpaid care work and limited representation in leadership roles. Despite these challenges, women have the potential to propel collective growth and empower others, creating change. 

When women succeed and lead, they inspire others to envision possibilities beyond societal norms. A woman pursuing higher education motivates peers and younger girls to value learning and strive for academic excellence. Female entrepreneurs contribute to economic growth and help mentor and uplift other women, breaking barriers in traditionally male-dominated industries. Women leaders in the workforce advocate for inclusivity, equal opportunities and supportive policies, creating accessible environments.

Women in Education

Education is the foundation of empowerment and women who get educated educate others and create positive change. According to UNESCO, educating girls improves entire communities: one additional year of schooling can increase a girl’s earnings by up to 20%. Women teachers play a crucial role here, especially in rural and marginalised areas, by making education accessible and relatable for girls.  

For instance, in India, 80% of elementary school teachers are women, offering academic lessons and also inspiring young girls to dream beyond societal limitations. Educated women are more likely to advocate for their the education of their daughters, breaking generational cycles of illiteracy. Programmes like the Beti Bachao, Beti Padhao schemes in India further amplify these efforts, aiming to improve female literacy and reduce gender disparities in education.  

Women in Employment

Women’s employment is a key driver of economic development and female professionals often create inclusive spaces for other women to thrive. Yet, barriers like gender bias, unequal pay and safety concerns limit their workforce participation. According to recent evidence, only 32.8% of Indian women are part of the labour workforce, significantly lower than the global average of 47%. In addition, women hold an average of 17.1% of board positions in India, which is below the global average of 19.7%.

Despite these challenges, women in leadership roles are rewriting the script. Female managers tend to hire more women, fostering a supportive workplace culture. Women-driven initiatives, like flexible work policies and mentoring programmes, further encourage other women to enter and remain in the workforce.  

Entrepreneurial Women

Entrepreneurship offers a unique platform for women to influence economic and social landscapes. Female entrepreneurs contribute to GDP growth and create jobs, especially for other women. However, according to a World Bank survey, women, despite being half the population, own only one out of every three businesses globally. Other evidence states that over half of female-owned businesses globally employ women in managerial roles, compared to just 6.5% of male-owned businesses. 

In India, the situation is grim. Women’s participation in the workforce and entrepreneurship remains low, with little change in the number of working women over the last 30 years.  However, entrepreneurship offers a brighter picture. Women account for 14% of entrepreneurs and own a good share of micro, small and medium enterprises (MSMEs). These businesses play an important role in industrial output and employ a significant number of people, as noted in the 2023 State of India’s Livelihoods Report.

Initiatives like the Women Entrepreneurship Platform by NITI Aayog provide financial support and training to help women start and expand their ventures. Moreover, women entrepreneurs often serve as mentors and collaborators, creating networks that empower more women to enter the business world. The impact is especially evident in rural areas, where self-help groups led by women drive financial independence and community upliftment.  

Women Driving Policy and Leadership  

When women step into leadership roles—be it in politics, healthcare or community organisations—they bring unique perspectives that benefit society at large. Women leaders often champion causes like education, healthcare and gender equality, which disproportionately affect other women.  

Globally, women occupy only 26.5% of parliamentary seats, but their impact is undeniable. Countries like Rwanda, where women make up over 60% of parliamentarians, have implemented progressive policies that promote gender equality and women’s welfare. In India, the recent passage of the Women’s Reservation Bill aims to reserve 33% of seats in legislatures for women, potentially paving the way for more inclusive policymaking.  

Peer Support: Women Drive Other Women

Beyond formal roles, women often support each other informally through mentorship, networking and shared experiences. This peer support is especially critical in overcoming societal barriers like domestic responsibilities, mobility restrictions and cultural norms.  

For instance, informal networks of working mothers help others navigate childcare challenges, while women’s cooperatives in agriculture and handicrafts enable financial independence for those in rural areas. Digital platforms like SHEROES, a social network for women in India, exemplifies how technology can amplify these efforts, connecting women to mentors, resources and job opportunities.  

Women driving other women is a proven strategy for social and economic transformation. From classrooms to boardrooms, women empower each other to overcome barriers and reach new heights. Whether as educators, entrepreneurs of women empowerment initiative, Swabhiman of Smile Foundation or leaders, their influence benefits entire communities. However, challenges like gender norms, safety concerns and systemic barriers still hinder many women from realising their full potential. 

Bridging these gender gaps requires collective effort—strong policies, societal support and women’s relentless determination to uplift one another. As women continue to drive each other forward, they not only change their own lives but also shape a more equitable and inclusive world for future generations. The question now is: how can we, as individuals and as a society, accelerate this momentum and create an environment where they can thrive without limitations?

Categories
CSR Education Girl Child Partnerships Women Empowerment

Scholarships for Girls Help Them Continue their Studies

Breaking Stereotypes for Individuals to meet their True Potential
Breaking Stereotypes for Individuals to meet their True Potential

The right to education is a fundamental right for every child, regardless of gender, caste or background. It is a birthright that is and (should be) universally recognised. However, despite this widely accepted principle, girls’ education continues to face unique challenges. From birth, many girls are often confronted with the decision of whether they will attend school or take on household responsibilities, while their brothers are sent to school. In families with financial constraints, it is frequently the boys who are prioritised when it comes to education, based on the belief that they will ultimately become the primary breadwinners.

While gender bias is undoubtedly a significant factor in these challenges, it is important to recognise that the most pervasive barrier to girls’ education is poverty. Poverty, alongside issues such as poor nutrition, lack of financial literacy and limited empowerment opportunities, often prevents girls from completing their education. In this context, scholarships for girls’ education play a crucial role in bridging the gap, offering them the opportunity to realise their potential and live the reality of their ambition and hard work. By supporting girls in their educational journey, scholarships enable them to acquire the skills and independence needed to stand on their own feet and overcome the socio-economic challenges they face.

Girl Child Education is for Every Girl

Educating girls is a global imperative and a collective endeavour. Therefore, when we hear of girls being denied an education in countries like South Sudan, Chad and Afghanistan, we must pause and ask ourselves: how is this still acceptable? In today’s world, efforts to empower women through quality education and employment opportunities have become more aligned than ever. It is good food for thought to understand whether all women, regardless of their circumstances, are truly being included in this global movement or not.

India’s journey towards educating girls has been a long and evolving one. The nation’s educational landscape has been shaped by pioneering women who have played a vital role in this revolution. Figures such as Kamala Sohonie, a trailblazing scientist who championed women’s participation in STEM, Neena Gupta, a mathematician who provided the solution to the Zariski Cancellation problem and Dr. Gagandeep Kang, a leading scientist in the development of Rotovac, a vaccine that addresses diarrhoea – a major health issue that is the third leading cause of death among children under five, claiming an estimated 300,000 young lives in India each year.

These remarkable women exemplify the transformative impact of educating girls. There is no question that the roots of girls’ education in India have deepened, embedding themselves in the national consciousness. However, the collaborative implementation of this vision is still in its formative stages and requires continued effort and progress.

Solidify Girl Child Education in India

It is well recognised that challenges such as poverty, poor nutrition and inadequate healthcare are significant barriers to education of girls in India. However, rather than focusing solely on these obstacles, we should direct our attention to finding effective solutions. 

Scholarships for girl child education play a crucial role in bridging the gap, connecting the girl, her family and her community with an educational system that is progressively adopting inclusive practices. These scholarships offer hope and confidence to economically disadvantaged parents, encouraging them to prioritise their daughter’s education and invest in her future. In turn, this creates a positive cycle that can contribute to the broader goal of Education for All, ensuring that no child is excluded from the opportunity to learn and succeed.

Scholarships for Girls- Let her study

India’s efforts towards women’s empowerment have been evident across various sectors. Through women’s financial schemes, awareness campaigns, and educational initiatives for girls, the country has made significant strides in fostering a more conscious and sensitised community.

To ensure that girls in India grow up in a safe and healthy environment, particular attention has been paid to both their educational and health development as key pillars of the nation’s progress. Scholarships for girls have played a pivotal role in challenging societal prejudices against educating girls, while providing families with the financial security and confidence to invest in their daughters’ education. This, in turn, empowers girls to realise their aspirations and turn their dreams into reality.

Scholarships such as the AICTE Pragati Scholarships for Girls and the CBSE Merit Scholarship Scheme for Single Girl Child have been instrumental in reducing dropout rates among female students, increasing school enrolment figures and encouraging greater participation in skills development programmes. These initiatives have made a significant contribution to the broader goal of empowering girls and fostering their future success.

Smile for Girl Education

Since 2005, Smile Foundation has been dedicated to supporting economically disadvantaged communities by equipping them with the knowledge and resources needed to work towards their empowerment. 

With a strong focus on women’s empowerment, our educational initiatives have been specifically designed to ensure that girls in India receive their right to quality education, with ease and accessibility. Our scholarship programmes for Schooling and Higher education, are actively working with young girls and women who are determined to pursue education and build a brighter future.

These programmes cover essential costs, including tuition fees, school supplies and transportation, enabling students from marginalised communities to concentrate on their studies. In addition to financial support, the scholarships also provide mentorship and guidance, helping students make informed decisions about their futures. Furthermore, recipients of the Higher education scholarships such as Engineering Scholarships are provided with laptops, career counselling and skills-building sessions, ensuring they are fully equipped to succeed in their chosen fields.

Aligned with the core values of the Indian government’s vision and initiatives to overcome the social and economic barriers to girls’ education, we are committed to providing Indian women with a safe, progressive environment where they and their communities can thrive through collective and holistic development. If your CSR goals echo a common vision of empowering girls with education, then join us to create conscious and impactful actions together.

Categories
Smile

Quality Education & Good Health- Keys to Development

Quality education brings good health and vice vera

Good health and quality education are often viewed as two distinct pillars of personal and societal development. However, a closer look reveals they are deeply interconnected, creating a powerful synergy that can transform lives and uplift entire communities. Good health enables learning, while quality education can lead to healthier life choices, forming a cycle of improvement that benefits individuals and societies alike. 

As we look toward a future of sustainable development, it’s crucial to understand how health and education intersect and why promoting both together can lead to far-reaching positive change. In a world striving for equity and growth, the symbiosis of health and education is essential for creating not only a better life but a brighter future.

Good Health and Quality Education- The Connection

Health and education do not exist in silos; rather, they profoundly influence each other across multiple levels. Studies reveal that better education leads to healthier life choices. According to the World Health Organization (WHO), educated individuals are more likely to avoid smoking and understand nutrition, exercise, and mental health. Education facilitates awareness of diseases, vaccines, and preventive care, reducing mortality rates. Educated women, for example, are more likely to seek maternal healthcare, benefiting both mother and child.

Likewise, good health is crucial for educational success. Well-nourished, vaccinated children perform better in school. UNICEF notes that malnutrition can significantly reduce school performance due to developmental delays and chronic health conditions. This issue is especially pressing in India, where nearly 43 lakhs of children are malnourished. Tackling these health barriers ensures that children can not only attend school but thrive academically. 

Schools as Catalysts for Health

Schools play a crucial role as hubs of health promotion, especially in communities where healthcare services may be limited. Initiatives within schools can effectively reach large groups of children.  From comprehensive sex education to hygiene and nutrition classes, schools can be ideal platforms for promoting lifelong healthy behaviors. Evidence suggests that countries investing in integrated health and education strategies see improved outcomes in areas like school attendance, literacy, and life expectancy.

In developing countries, where lack of access to basic healthcare, poor sanitation, and limited health education contribute to higher absenteeism and dropout rates, the need for health services in schools is even more pressing.

Bridging Health and Education: Global Efforts and Indian Initiatives

The Sustainable Development Goals (SDGs) have dedicated two separate but linked goals—Goal 3 for health and Goal 4 for quality education. These goals encourage nations to create systems that allow children to learn in safe, healthy environments. Programs like UNICEF’s WASH (Water, Sanitation, and Hygiene) in Schools provide clean water, sanitation, and hygiene practices, transforming health and education for millions in low-income countries. Similarly, the WHO’s Global School Health Initiative promotes school-based health programs, particularly in lower-income areas, enhancing student well-being, reducing absenteeism, and boosting health literacy. 

Rashtriya Kishor Swasthya Karyakram is an initiative that aims to bridge health and education by providing young people with resources on physical, mental, and reproductive health. Additionally, the Midday Meal Scheme, serving over 100 million children every day, combats malnutrition and boosts attendance. These programs recognize the inseparable link between health and education and underscores the importance of investing in both for widespread societal benefits.

Breaking the Poverty Cycle Through Health and Education

Poverty is a barrier to both health and education. Poor health often leads to higher absenteeism in school, hindering educational progress and limiting future economic opportunities. Similarly, lack of education may lead to low-income jobs and restricted access to health services, perpetuating poverty across generations.

WHO estimates that 100 million people are pushed into extreme poverty every year due to healthcare costs. In India, out-of-pocket health expenses constitute a significant burden for low-income families, resulting in reduced investment in education and dropouts. Breaking this cycle by implementing policies that improve both health and education access can lift entire families out of deprivation.

While physical health has long been associated with educational success, mental health is often overlooked. Mental health issues like anxiety and depression can severely affect academic performance and social development, especially among adolescents. Globally, the WHO reports that 10–20% of children and adolescents experience mental health conditions, yet these often go unaddressed, particularly in low-income regions.

In India, mental health support in schools is limited, but the need is growing. Schools that integrate mental health education and provide support through counseling and peer support programs can improve learning outcomes and contribute to healthier, more resilient individuals. 

Challenges and Opportunities

Despite significant progress, barriers like inadequate funding, infrastructure, and trained staff limits the effectiveness of health programs in schools, particularly in rural areas. Bridging these gaps will require sustained investment and a sincere commitment from the government, non-governmental organizations, corporate sector as well as community.

The rise of digital health tools offers an innovative solution to the challenges of integrating health services into educational systems. Telemedicine, mobile health apps, and online mental health resources are beginning to bridge healthcare gaps, even in remote areas. Such tools can support school health initiatives and extend their reach to students who would otherwise have limited access to healthcare.

The Bottom Line

The relationship between good health and quality education is clear and profound. Investing in both not only allows individuals to become healthier but also more capable of contributing meaningfully to society. Recognizing that health enables learning and learning promotes health can guide policies toward more holistic development goals. Global and local efforts that bridge health and education gaps move us closer to a future where every child can grow in a healthy, supportive environment. This synergy is more than just a path to personal growth; it forms a foundation for stronger, more resilient societies, creating lasting benefits for future generations.

Smile’s Efforts & Results

Smile Foundation’s LifeCycle approach is grounded in the belief that every aspect of a person’s life is interconnected. Therefore, addressing these dimensions in a holistic and parallel manner is essential. Through initiatives like Mission Education and Smile on Wheels, we support underserved children and their communities, ensuring that improvements in education are coupled with better health and vice versa, creating a continuous cycle of growth.

Each year, over 1.5 million children and families across 2000 villages in 25 states benefit from our targeted interventions in education, health, women’s empowerment and community development.

Our flagship educational programme, Mission Education, focuses on foundational literacy and numeracy (FLN) as well as STEAM subjects, ensuring the cognitive development of children. Meanwhile, Smile on Wheels, our mobile healthcare initiative, reaches remote villages, providing preventive healthcare through OPD services, point-of-care testing, and regular health and eye care check-ups, ensuring better health and nutrition for children within healthier communities.

Through these focused efforts, we support marginalised communities with the essential building blocks for an empowered life. To help us continue working towards a healthier, educated, and empowered India, you can support our mission by clicking here.

Categories
CSR Health Partners In Change Partnerships

Empowering Communities through Preventive Healthcare

preventive healthcare for universal healthcare

As winter sets in, Delhi and its neighbouring regions are often enveloped in a dense layer of smog, causing the Air Quality Index (AQI) to deteriorate to hazardous levels. With the air quality becoming so poor that it is commonly compared to “breathing in air equivalent to smoking 50 cigarettes a day or living in a gas chamber.”, the only thing which gives a slight ray of hope is to see people wearing masks, while households and office spaces are stocked with hand sanitizers, masks and antibiotics.

Such initiations reflect of how today communities have adjusted their lifestyles to adopt health measures aimed at preventing illness. It serves as a prime example of Preventive Healthcare, which focuses on encouraging individuals to adopt practices that reduce their likelihood of falling ill, while also alleviating the burden on medical infrastructure.

Healthcare and Preventive Healthcare– Difference?

At first glance, Healthcare and Preventive Healthcare, may seem synonymous, but they differ significantly in their scope and objectives. Healthcare is a broad field that encompasses prevention, treatment, and management of illnesses, alongside the preservation of both mental and physical well-being through medical services provided by doctors, nurses, and allied health professionals.

“Preventive Healthcare”, on the other hand, is a distinct branch of medicine that primarily focuses on promoting health and preventing disease in individuals considered to be ‘healthy.’ This approach typically involves interventions aimed at large populations with the goal of preventing the onset of illness and improving overall well-being. The field gained momentum with the advent of the germ theory of disease and the discovery of disease-causing agents. Additionally, advancements in laboratory techniques for early detection have significantly enhanced the effectiveness of preventive measures.

Universal Healthcare: A Global Imperative

Universal healthcare is recognised as a fundamental human right and a global responsibility. As outlined in Target 3.8 of the Sustainable Development Goals (SDGs), the aim is to realign healthcare systems using a Primary Health Care (PHC) approach—making them more inclusive, equitable, cost-effective, and efficient, thereby improving the physical, mental, and social well-being of communities.

Challenges in Healthcare

Despite ongoing efforts to extend universal healthcare coverage, marginalised communities in many regions continue to face significant barriers, such as poverty and unequal access to quality healthcare. In 2021, it was estimated that approximately 4.5 billion people worldwide were still excluded from essential health services. Mamta Murthi, Vice President for Human Development at the World Bank, notes, “We know that achieving universal health coverage is a critical step in helping people escape and stay out of poverty, yet there continues to be increased financial hardship, especially for the poorest and most vulnerable people.”

In India, healthcare challenges are particularly pronounced for low-income families, especially in remote areas where access to functional hospitals, well-trained healthcare professionals, and affordable medical treatment remains limited. These barriers often prevent individuals from seeking timely medical care, resulting in severe deterioration of health. In some cases, families are forced to sell assets, such as agricultural land, to afford the cost of treatment.

Preventive Healthcare in India- Step forward

Over the years, India’s healthcare system has undergone significant transformation, adapting to the evolving dynamics of society, technological advancements, and changes in the lifestyle of Indian communities. The Government of India, has implemented several healthcare schemes aimed at addressing the challenges faced by marginalised communities, with a particular focus on providing quality healthcare.

Key initiatives include Ayushman Bharat, the **National Health Mission (which encompasses the National Rural Health Mission and National Urban Health Mission), and a specific focus on strengthening Reproductive-Maternal-Neonatal-Child-Adolescent Health (RMNCH+A), along with the prevention and management of both communicable and non-communicable diseases (NCDs) have brought a sigh of relief to many lives who are now able to access healthcare, while also nurture their own and their communities life healthier with healthy habit awareness and medical resources.

Why Preventive Healthcare is Crucial in India?

The current state of India’s healthcare system presents both significant opportunities and considerable challenges. On the one hand, India is globally recognised for its accomplishments in the medical field, such as the rapid development of vaccines during the COVID-19 pandemic and the growth of medical tourism, driven by high-quality treatment and world-class healthcare professionals. However, to achieve the goal of universal healthcare, it is crucial that marginalised populations are also integrated into these advancements.

In this context, Preventive Healthcare emerges as an ideal solution to improve health outcomes in both rural and urban areas across India. The benefits of preventive healthcare in India are far-reaching and can substantially enhance quality of life by:

-Extending Lifespan

By addressing health issues before they progress, preventive measures can significantly increase life expectancy.

– Reducing Treatment Complications

 Early intervention lowers the likelihood of complications during treatment, ensuring better health outcomes.

-Lowering Medical Costs

Preventive care is typically far more cost-effective than treating advanced illnesses, helping reduce overall healthcare expenditure.

-Saving Lives through Timely Detection

 Early diagnosis and proactive care can prevent many health conditions from becoming critical, thereby saving lives.

These benefits highlight the transformative potential of preventive healthcare in creating a healthier, more sustainable future for India.

Smile For Preventive Health

For over two decades, Smile Foundation’s flagship health programmes—Health Cannot Wait and Smile on Wheels—have been dedicated to implementing the principles of Preventive Healthcare for socio-economically disadvantaged communities across India. By fostering strong relationships at the grassroots level, we have been able to identify the unique health challenges these communities face and adapt to the digital transformations necessary to improve access to quality healthcare.

With more than 100 Smile on Wheels- mobile healthcare units, we are able to reach some of the most remote and underserved areas of the country, delivering essential healthcare services to those who would otherwise be inaccessible. As a social care organisation, we ensure that our health interventions are inclusive, accessible, affordable, and driven by technology, helping underserved communities move closer to the security of universal healthcare.

The COVID-19 pandemic provided us with invaluable lessons, offering opportunities to further enhance our healthcare interventions. In 2021, with the support of Health CSR initiatives, we expanded our telemedicine services. Through sustained efforts, we have now established an advanced telemedicine ecosystem that goes far beyond standard video consultations. Our platform enables healthcare professionals to conduct a variety of tests, including 40 different diagnostic procedures, monitor the heartbeat of a foetus, and even perform dermoscopy.

Smile Foundation is steadfast in its belief that through collaborative efforts, we can strengthen India’s healthcare system and, most importantly, empower those in need by providing the right awareness and support to safeguard the health of individuals and entire communities. Our CSR partnerships, for Healthcare,  aim to address all aspects of health, utilising technology to reach diverse communities across the country. Moreover, we are committed to building sustainable frameworks that not only promote but actively practise preventive healthcare, ensuring that every individual receives the care they deserve. By doing so, we can collectively contribute towards achieving Universal Health Care—making it not just a goal, but a fundamental part of daily life and the future of our nation.

Categories
Nutrition

Maternal and Child Health in India

How Women Empowerment Reduces Gender-Based Violence
How Women Empowerment Reduces Gender-Based Violence

In a village in Gujarat’s Bhavnagar, a young 22-year-old mother regularly visits the local healthcare centre for antenatal check-ups. She receives good prenatal support from the medical professionals. During these visits, the experts also monitor her nutritional intake and also prescribe her some supplements as per the need of her body. After a few months, when her son is born, he weighs a healthy 3.2 kilograms and shows no signs of malnutrition or developmental issues. However, thousands or lakhs, of other expecting women in different parts of India do not get the same support as this woman. Many of them are also not aware of the strong link between their health and the health of their child. The link between maternal and child health is critical and it is needed that all the expecting mothers are made aware of the benefits of taking care of themselves during the pregnancy period.

Facts Related to Maternal and Child Health in India

Even today, there are significant disparities across different socio-economic groups and regions in India when it comes to maternal and child health. Here are some of the important points linked to this:

  • Maternal Mortality Rate (MMR): India’s MMR stood at 97 per 100,000 live births as of 2018-19. While it is comparatively better in the country, there is still a big gap between the global standards and India’s performance.
  • Antenatal Care: It is essential for monitoring and managing pregnancy-related complications. However, only 50% of pregnant women in India receive the recommended four antenatal care visits.
  • Institutional Deliveries: There is a progress in ensuring safe deliveries in India as the country has approximately 79% of births occurring in health facilities. However, there is still a large population that needs access to these facilities.
  • Infant Mortality Rate (IMR): The IMR in India stood at 25 per 1,000 live births in 2022. Again, there is an improvement as compared to the past but there is still a long way to go in efforts for reducing preventable infant deaths.

Link Between Maternal and Child Health

There are many ways in which maternal health impacts the child’s health. Here are some of the examples-

  1. Nutrition: If a woman consumes nutritional food at the time of pregnancy, it directly affects the health of her unborn child. At the same time, if a pregnant women suffers from malnutrition, it can lead to her child being born with developmental issues, low weight, etc. Therefore, a nutritional diet is essential for an expecting mother. It can also be ensured through food supplements.
  2. Prenatal Care: This nutritional deficiency and other complications can be identified and dealt with at an early stage if a woman has access to regular check-ups during pregnancy. Through regular check-ups, healthcare professionals can provide necessary support to the mothers which then leads to a healthy child being born.
  3. Safe Delivery: One of the most critical stages of pregnancy is childbirth. There can be many complications that might occur during this stage and access to good quality healthcare is extremely crucial to deal with those complications. Therefore, it is needed that women have access to institutional deliveries. Any problems during delivery can have a severe impact on a child’s health with life-long repercussions.
  4. Postnatal Care: First few weeks after the child is born are critical for both the mother and the baby. Therefore, good quality postnatal care is essential to ensure that the child grows up healthy. At the same time, it is essential that the mother is able to feed the child and is healthy enough to provide care.

Initiatives in India

Several initiatives in India aim to improve maternal and child health. Here are some of the examples:

A number of initiatives by the government involve supporting pregnant women in accessing right support and nutrition. SUMAN (Surakshit Matritva Aashwasan), one such programme by the government, aims to provide quality healthcare to pregnant women and newborns, ensuring safe deliveries and reducing maternal and neonatal mortality. Similarly, Janani Suraksha Yojana (JSY) encourages institutional deliveries by providing financial incentives to pregnant women, particularly those from low-income families.

At the same time, development organisations also play an important role in supporting expecting mothers. Initiatives by them include spreading awareness about prenatal and postnatal care, building infrastructure on the grassroots, providing medical support, etc. Smile Foundation also works to improve maternal and child health through various programmes. Our mobile health clinics provide essential healthcare services to pregnant women and children in remote areas, ensuring access to care for underserved communities. Smile Foundation also collaborates with ASHAs (Accredited Social Health Activists) and Anganwadi workers to promote health education and support for mothers and children.

Conclusion

The link between maternal and child health is critical and if India wants to reduce its burden of providing medical care to children who are born with deficiencies, it needs to focus on eliminating the root of the problem. By providing necessary support to women during pregnancy, the country can ensure healthy and safe childbirths. Healthy children in turn can grow up to become self-sufficient and contribute to the nation’s economy and growth in various ways. Therefore, the government, private sector and development organisations need to work together in ensuring maternal health. 

Categories
Smile Girl Child

Reasons to Donate for Girl Child Education

Reasons to Donate for Girl Child Education
Reasons to Donate for Girl Child Education

“If you educate a man, you educate an individual, but if you educate a woman, you educate a family (nation).”

Mahatma Gandhi

Educating girls goes beyond imparting knowledge—it is key to the development of society. Education for girls can transform an entire community, break free from the shackles of poverty, grow more independent, have healthier life habits and expand the mind’s horizons. Education for girls and women can shape how families, communities, children and an entire society may bring about changes for a better world. 

Educating a girl can change so much around us. An educated girl can always grow up to be financially mobile, safe and empowered while being determined to choose the course of her own life and help others understand the many gendered nuances of society.

While educating girls is the backbone of development and despite several global declarations and development goals with significant efforts by the international community, gender disparity in education continues to deepen the education divide.

Despite growing evidence and large-scale emphasis on educating girls, a large segment of our society, particularly in developing countries, needs more action, resources and awareness to educate the critical population—their girls and women. According to UNESCO data, two-thirds of the illiterate adult population in the world are women, with over 63 million girls around the world out of school. Among them, 47% of out-of-school girls are never expected to enrol longer in studies.

The data are more upsetting in the context of India. In the latest Global Gender Gap Report released by the World Economic Forum (WEF) for 2024, India dropped to 126 out of 146 economies due to worsening conditions in educational attainment among women and girls. The findings reflect a notable decline in gender equality, underscoring the ongoing challenges faced by the country in bridging gender disparities and achieving gender equality across various sectors, especially education.

Why should you donate for girl child education?

Every child has a right to education. Regardless of their social status, economic conditions, race, caste, class and, least of all, gender, every child must receive education on equal terms. When you donate for girl child education, you can help disbalance the status quo of who should and should not receive education and push for access to quality teachers, educational institutions and opportunities to flourish. 

Bridging the gender gap

To date, the world is largely ruled by gender discrimination and hence, educating and empowering girls continues to be less valued. Lack of girls’ education is the cause of several societal evils which push them into it – child marriage, trafficking, labour exploitation, assault and such acts. Her childhood gets cut short – her very life and future are at risk. Donating to girls’ education can help reduce discrimination with more teacher training programmes, organising community workshops, helping set schools for girls and pulling in resources that can help in development work for girls’ education. A gender-equitable education is key to empowering girls and bridging pay gaps, reducing school dropouts, gender-based violence and practices, child marriage and so on.

Breaking the vicious cycle of poverty

Investing in girls’ education is one of the wisest ways of breaking the cycles of intergenerational poverty. When girls become educated, they have better access to resources and choices in their lives—to lead better, fairer and more productive lives. A recent UNESCO report suggests that about 50% of adolescents cannot complete their secondary education due to low family income and a lack of parental awareness. Then, when girls can complete their education, they secure better jobs and are more likely to support their families as research shows that educated women are more likely to invest in their children’s education, creating a ripple effect that benefits generations to come.

Boosting the economy

Up to $30 trillion might be added to the world economy if all girls could finish their secondary school. It has been widely observed that countries with greater female literacy report faster economic growth and donating to girls’ education can foster innovation, boost production, and develop a workforce with greater expertise. Families, communities and the nation at large may all profit economically from investing in girls’ education. Girls with higher educational degrees can make significant contributions to supporting the nation’s economy by working and paying taxes, which can boost the economy as a whole.

Improving health and well-being

Donating to girls’ education also promotes healthier families and communities by keeping them educated about nutrition, maternal and sexual health. With an increasing number of educated girls, communities grow healthier and have fewer maternal and child fatalities. With economic independence, women are better able to make decisions about their own and their family’s health care.

Initiatives of Smile Foundation

While the path to inclusive education and gender equality has its challenges, it is also full of opportunities. India can create a better future where all girls have equal access to education – leading to overcoming obstacles, dispelling myths and fostering an atmosphere that supports them, like Smile Foundation‘s programmes. Through the ‘She Can Fly’ initiative, Smile is aimed at enabling and empowering girls to become self-reliant and rise to their full potential through interventions in education, vocational and skill training, and healthcare and nutrition. Besides this, communities and parents also need to be made more aware of the need to donate for girl child education in India. Through its Shiksha Na Ruke campaign, Smile is working hard to reduce the educational gap throughout India which places a strong emphasis on reducing the gender gap in education.

Categories
Insights Smile

Fighting Crimes Against Children: Top 5 Crimes

School Dropout Rates In India

The former South African President Nelson Mandela once said, ‘There can be no keener revelation of a society’s soul than the way in which it treats its children”. The prevalence of crime against the most vulnerable members of society, particularly children, highlights the distressing state of both their well-being and that of society as a whole. Today, minors worldwide are exposed to a variety of hazards, including forced labour, trafficking, abduction and sexual abuse and exploitation. 

Let us examine the seven most common crimes against children in India.

Child Labour

At the outset of 2020, the global estimates of child labour indicated that 160 million children, including 63 million girls and 97 million boys, were engaged in child labour worldwide. Child labour is defined as work that is detrimental to the health and development of children and obstructs their right to education. 

Work includes anything that poses mental, physical, social or moral risks to children. Additionally, work that obstructs their education by denying them the opportunity to attend school, necessitating early departure; or compelling them to juggle school attendance with excessively burdensome and prolonged work.

Poverty is a key factor contributing to child labour, but other elements also come into play. These include family expectations, limited access to education and childcare and societal views that minimise the risks associated with early work.

Child Trafficking

Despite global efforts, one in three victims of trafficking in persons is a child. Child trafficking is the exploitation of children, which is a grievous abuse of human rights. Children are deceived and forced, or convinced to leave their homes to be trafficked and exploited. Severe exploitation can be encountered by children in a variety of ways. Sexual exploitation is the act of producing child sexual abuse material or abusing a child for commercial gain.

Children are subjected to harsh conditions in sectors such as agriculture, factories, mining or domestic labour as a result of forced labour. Many are compelled to engage in petty offences, such as theft or to beg. Children may be enslaved, sexually exploited or recruited as combatants during armed conflicts. Another severe issue is child marriage, in which females are married off for financial gain or social status. Furthermore, the trafficking of infants and children for illicit adoption frequently involves the deception or coercion of their guardians.

Child Begging

Child begging is a critical issue that frequently arises at congested intersections, where young children beg money from cars that pass. Sometimes, children are forced to contribute to their poor household’s finances by earning money through begging or they are abducted from their hometowns to beg on roads. Illegal immigration is frequently the result of India’s numerous borders with countries such as Nepal and Bangladesh. The children of numerous migrants are compelled to beg on the streets for additional financial assistance as a result of destitution and unemployment.

Child Sexual Abuse

The NCRB data from 2020 reveals that only 65.6% of child abuse incidents were reported, even though around 28.9% of minors faced some type of sexual violence.Child sexual abuse is the act of an adult, adolescent, or older child engaging in sexual activity with a child. A child sexual abuser may be a family member, a close relative, neighbours, religious leaders, teachers or instructors. They originate from all socio-economic strata of society, regardless of their sexual orientation, racial or religious affiliation.

Both men and women are capable of perpetrating child sex offences. Survivors of child sexual abuse can experience significant and enduring impacts on their physical, emotional, psychological and social well-being throughout their adult lives. Of course, a traditional conservative family and community structure that does not discuss sex and sexuality is a contributing factor. Consequently, all forms of sexual abuse that a child experiences are not reported to anyone. 

Child Marriage

One in three of the world’s child brides live in India. Child marriage is a violation of children’s rights and exposes them to a high risk of exploitation, harm and violence. Both boys and girls are impacted by child marriage; however, girls are more severely affected. A girl who is married as a child is likely to leave school, not earn a living and not contribute to the community. She is at a higher risk of contracting HIV/AIDS and experiencing domestic violence. She is more susceptible to having children during her childhood. The likelihood of her death as a result of complications during pregnancy and childbirth is higher.

Child marriage is caused by economic, social and cultural causes. Due to poverty, families may marry daughters for dowries or to relieve financial obligations. Lack of economic prospects makes it harder for families to support their children. Patriarchal and traditional values support early marriage, and conflict makes females more prone to it as a kind of protection.

Governments and authorities need to step up and strengthen laws to protect children by increasing penalties for offenders, ensuring consistent monitoring and enforcement of existent laws, and providing victim support services. They should also promote awareness campaigns, improve access to education and work with communities to challenge harmful cultural practices.

Smile Foundation is deeply committed to addressing the challenges faced by the girl child in India, striving to create a safer, more equitable future through its comprehensive initiatives. Through the She Can Fly programme, we empower girls with access to education, healthcare and life skills, helping them break free from exploitation and discrimination. By fostering environments where girls can thrive, Smile Foundation combats critical issues such as child labour, trafficking and early marriage, ensuring that girls are not only protected but also given the tools to reach their full potential.

Education lies at the heart of Smile Foundation’s mission to support the girl child. Recognising that education is a powerful tool against exploitation, we provide quality education to underprivileged girls, emphasising the importance of keeping them in school and out of harmful practices like child marriage and labour. Alongside education, Smile Foundation also promotes health awareness, focusing on nutrition and menstrual hygiene, to ensure girls grow up healthy and informed. These efforts align with their goal of transforming not just individual lives but entire communities by empowering girls to become agents of change.

Community engagement is central to Smile Foundation’s work with girl children. Through awareness programmes, we address patriarchal mindsets and harmful practices, advocating for the rights of girls and emphasising their critical role in building a stronger society. By working closely with families, schools and local leaders, we try to create a supportive network to protect girls from abuse and exploitation while providing them with opportunities to succeed. This holistic approach not only addresses immediate threats but also creates pathways where every girl is valued, respected and empowered to lead a life of dignity.

Categories
Smile Health

Primary Healthcare sets the base for Secondary/Tertiary Healthcare

The Precious Lives of Healthcare Workers
The Precious Lives of Healthcare Workers

Primary healthcare, often considered the frontline of any healthcare system, serves as the foundation upon which the entire structure of public health rests. The World Health Organization (WHO) highlights that effective primary care can address 90% of healthcare needs, emphasising that if primary services are strong, secondary and tertiary facilities will not be overwhelmed.

In low-income countries, primary healthcare investments have shown to reduce mortality rates and prevent disease escalation. In Rwanda, for instance, investment in primary care reduced mortality rates among children under five by more than 60% between 2000 and 2015.

In India, with its three-tier healthcare model, primary healthcare is the gateway through which communities first engage with the healthcare system. This entry-level care focuses on prevention, early diagnosis and management of common conditions, forming the base for secondary and tertiary care, which address more complex health needs. This interconnected system is particularly important in countries like India, where a vast population relies on public healthcare. In a country with limited resources and an enormous healthcare burden, investing in a solid primary healthcare infrastructure can ensure more effective and equitable healthcare across all levels.

The Role of Primary Health Care

One of the primary functions of primary health care is disease prevention. Preventive measures such as vaccinations, regular health screenings and patient education can significantly reduce the incidence of disease. This approach saves lives and lessens the load on hospitals and advanced healthcare facilities, which can then prioritise more severe health cases.

Strengthening primary health care would allow hospitals to focus on more complex cases, thereby enhancing the quality of care across the system. For instance, reducing untreated diabetes cases at the primary level would alleviate the number of people requiring dialysis or specialised treatments later on. This shift not only increases efficiency but also builds a proactive rather than reactive healthcare model, focusing on prevention and early intervention.

Early Diagnosis and Timely Referral

Early diagnosis of diseases is one of the essential aspects of primary health care. Healthcare providers in primary settings are often the first to detect symptoms that could indicate serious health conditions. By conducting regular screenings and check-ups, primary healthcare professionals can identify issues like hypertension, diabetes, and early cancer signs before they become severe. With better primary healthcare, diseases that might have escalated to severe cases requiring secondary or tertiary care can be managed at an early stage, ultimately reducing both the economic and social burden on individuals and families.

Why invest in Primary Health Care?

Investing in primary health care can be economically beneficial. A study by the WHO suggests that investing an additional USD200 billion a year on scaling up primary health care across low and middle-income countries would potentially save 60 million lives, increase average life expectancy by 3.7 years by 2030. In addition, a well-functioning primary healthcare system can significantly reduce healthcare costs for individuals, families, and governments. 

In India, healthcare expenses are a significant concern, with many households facing financial hardship due to out-of-pocket expenditure on healthcare. Strengthening primary healthcare can help prevent this by reducing the need for expensive interventions at secondary or tertiary levels. When primary healthcare is adequately funded and accessible, individuals are more likely to seek care early, which can prevent illnesses from becoming severe and costly. This approach aligns with the Sustainable Development Goals, aiming to provide universal healthcare access and reduce poverty by lowering the financial strain on families.

The Interdependency Between Primary, Secondary and Tertiary Care

Primary, secondary and tertiary care are interdependent layers of a comprehensive healthcare system. When primary care functions effectively, secondary and tertiary facilities are less likely to become overburdened. Primary care addresses common health issues and preventive services, while secondary care manages more complex but still non-emergency cases. Tertiary care handles the most advanced and specialised treatments, such as surgeries and cancer treatment.

In India, the integration of primary, secondary and tertiary care is crucial to meet the healthcare demands of a large and diverse population. Initiatives like Ayushman Bharat aim to strengthen this linkage by creating a network of PHCs, HWCs and hospitals, thereby ensuring a coordinated approach to patient care. A well-structured healthcare system allows patients to move seamlessly from one level to another based on their health needs, preventing delays in treatment and improving overall outcomes.

The Importance of Community Involvement 

A robust primary healthcare system extends beyond medical services. Local healthcare workers, volunteers and leaders play vital roles in promoting healthy behaviors, educating about health risks, and encouraging timely medical intervention. This approach tailors healthcare to diverse population needs, particularly in countries like India. 

In rural areas with limited healthcare access, community health workers bridge gaps between healthcare systems and communities. Initiatives such as India’s Accredited Social Health Activists (ASHAs) adapted from the Barefoot doctors in China demonstrate how community engagement enhances healthcare delivery. ASHAs provide crucial services, including maternal and child health support, improving grassroots health outcomes as well as encouraging people to visit higher healthcare systems when situations aggravate. Thus, community participation fortifies primary healthcare, ensuring it serves as a strong foundation for advanced levels of care and systemic resilience.

The Bottom Line

Primary healthcare is much more than the first level of care—it is the foundation upon which the entire healthcare system stands. From disease prevention to early diagnosis, cost savings and health equity, primary healthcare plays an indispensable role in creating a healthy society. In India, strengthening primary health care is essential to address the vast health needs of the population and reduce the burden on secondary and tertiary facilities. 

A resilient primary healthcare system not only supports advanced care but also contributes to long-term public health resilience and economic stability. Embracing primary healthcare as the bedrock of healthcare is vital for a fairer, more accessible, and more efficient system that benefits all.

Smile’s Healthcare Work

Smile Foundation’s healthcare initiatives emphasise the critical role of primary healthcare as the cornerstone of an effective health system. Through its Mobile Medical Units (MMUs), named Smile on Wheels (SoWs). we bring preventive care, early diagnosis and treatment to underserved communities, ensuring healthcare access at the grassroots level. By addressing common health issues and promoting awareness about hygiene and disease prevention, Smile Foundation alleviates the pressure on secondary and tertiary care facilities, creating a more equitable healthcare ecosystem.

The Foundation recognises the importance of early diagnosis and timely referrals in preventing disease escalation. With regular health camps and screenings, Smile Foundation identifies and manages conditions like diabetes and hypertension in their initial stages, reducing the need for costly interventions later. These efforts not only improve individual health outcomes but also reduce the financial burden on families, aligning with the Sustainable Development Goals to make healthcare accessible and affordable for all.

Community engagement is central to our approach. By training local healthcare workers and volunteers, we build awareness and fosters trust within communities. This inclusive model ensures that primary healthcare empowers individuals to take charge of their health, reinforcing the connection between primary, secondary and tertiary care for a healthier society.

Categories
Smile Livelihood

Power of scholarships

Power of scholarships
Power of scholarships

Dr. APJ Abdul Kalam – The Missile Man and a former President of India, relied on scholarships throughout his educational journey. Dr. B.R. Ambedkar, with the support of scholarships, studied at prestigious institutions like Columbia University and the London School of Economics. Olympic boxing champion Mary Kom, who grew up in a poor farming family in Manipur, was able to pursue sports thanks to scholarships and financial aid. Malala Yousafzai, the youngest-ever Nobel laureate and an advocate for education of girls, benefited from scholarships that allowed her to continue her studies in the UK. Former U.S. President Bill Clinton, who attended the University of Oxford as a Rhodes Scholar.

These stories demonstrate the life-changing power of scholarships, which help individuals from economically weaker backgrounds overcome financial limitations and pursue their dreams. In a country like India, where many young people face similar challenges, scholarships provide a crucial gateway to opportunity and upward mobility.

India: A Young Nation with Big Ambitions

India is currently one of the youngest countries in the world, with over 65% of its population below the age of 35. The potential of this young demographic to drive innovation and economic growth is immense. However, to harness this potential, the country must focus on strengthening its education system and providing equal access to quality education for all.

In recent years, India has made significant strides in improving literacy rates, but challenges remain. According to recent data, more than 25% of Indian students drop out before completing secondary education, with financial constraints being a major factor. According to the Unified District Information System for Education Plus (UDISE+), the dropout rate in India for upper primary school students was around 15% in recent years and this figure increases for students from economically weaker backgrounds.

Additionally, higher education remains out of reach for many due to high tuition fees, the cost of living and other related expenses. This disparity in access to education limits many young Indians from realising their full potential and, by extension, hinders the country’s progress as a whole.

Bridging the Accessibility Gap through Scholarships in India

According to recent data from the Ministry of Labour and Employment, around 10 million children in India are engaged in child labor, with many working in informal sectors to help support their families. Higher education in India is often financially burdensome, especially for families in lower-income brackets. Government data shows that approximately 70% of students in rural areas depend on loans or external support to pursue college degrees. Despite these challenges, demand for quality education is high and students are willing to go to great lengths to pursue their dreams. For many, however, the dream of a degree remains elusive without adequate financial support.

With the rising cost of private education and limited seats in government colleges, the competition for affordable, quality education is intense. This lack of access to higher education due to financial limitations not only impacts students but also affects India’s progress as a developing nation. 

Cultural expectations and traditional mindsets also limit access to education, particularly for girls in economically weaker sections. Gender bias can lead to early marriages and dropout rates among girls, particularly in rural and lower-income households. The Annual Status of Education Report (ASER) indicates that only about 67% of girls in the 15–18 age group are enrolled in school, with economic and social pressures often pulling them out early. For boys, traditional views may prioritise immediate work over extended schooling.

Scholarships in India to Support Education

Recognising the importance of education, the Indian government has launched several initiatives to support students from economically disadvantaged backgrounds. Programmes like the National Scholarship Portal (NSP) aim to simplify the scholarship application process and offer financial aid to deserving students. The Pradhan Mantri Uchchatar Shiksha Abhiyan (PM-USHA) seeks to improve the infrastructure of government colleges, while the Central Sector Scheme of Scholarship (CSSS) provides financial assistance to meritorious students from low-income families. These initiatives, while commendable, have limitations and cannot cover the vast demand entirely. As a result, nonprofits and other organisations have stepped in to bridge the gap.

Nonprofits and Their Role in Bridging the Gap

One of the keyways nonprofits help bridge the educational gap is through their scholarship programmes. These scholarships provide financial aid to students, covering tuition fees, learning materials and sometimes even living expenses. By removing financial barriers, development organisations enable students to focus on their studies and realise their potential. This is especially important in a country like India, where many families struggle to afford education beyond the primary level.

In addition to direct financial aid, many nonprofits also focus on providing holistic support. They offer mentorship programmes where students can receive guidance on academic performance, career paths and life skills. Some nonprofits also facilitate internships and job placements, helping students gain real-world experience and become better equipped to enter the workforce. This combination of financial support, mentorship and professional development ensures that students are not only able to complete their education but are also prepared for a successful future.

Furthermore, they work to raise awareness in communities about the importance of education and the various scholarships available. Many rural or underserved families are unaware of scholarship opportunities and Development organisations help bridge this knowledge gap by organising awareness campaigns, workshops and outreach programmes. This proactive approach ensures that deserving students, who might otherwise miss out on opportunities, are aware of the resources they can access.

Smile Foundation’s Scholarship Programme

Smile Foundation has been at the forefront of promoting education for children from underserved communities. Smile Foundation’s scholarship programme provides financial support to deserving students who demonstrate academic promise and resilience. This scholarship not only covers tuition fees but also provides resources for learning materials and mentorship, offering students a comprehensive support system. Through this programme, Smile Foundation has enabled thousands of students to continue their education, empowering them to break the cycle of poverty and aim for better futures.

The impact of scholarships and educational support extends far beyond the individual. When students from marginalised backgrounds are given the opportunity to pursue higher education, it often leads to a positive ripple effect in their communities. Educated individuals can contribute to the development of their families, communities and even the nation at large. Scholarships serve as more than just financial aid; they are a gateway to opportunity, growth and success for students who might otherwise be left behind. 

In a country like India, where financial constraints prevent many from pursuing their dreams, scholarships can be life changing. With initiatives from the government and support from organisations like Smile Foundation, a new generation of young Indians can overcome financial barriers and contribute meaningfully to society. Education is a powerful equaliser and scholarships ensure that every deserving student has a fair chance at success. By investing in education today, we’re building a stronger, more prosperous India for tomorrow.

Categories
Women Empowerment

Emergency Savings for Women and Their Businesses

Emergency Savings for Women and Their Businesses
Emergency Savings for Women and Their Businesses

Women-owned businesses are now becoming a new norm as more and more women now have the opportunity to become entrepreneurs. One of the essential skills needed to build and run a business is financial literacy as it empowers women to make informed decisions about their money. Being able to do investing, budgeting and debt management can significantly impact anyone’s ability to achieve financial growth and security. However, even today, many women lack the necessary financial knowledge, and it has far-reaching consequences for them. It makes them dependent on male members for their financial decisions. Thus, starting a business of their own and managing it without external intervention can seem impossible to them.

According to a report by the Organisation for Economic Co-operation and Development (OECD), women are generally less confident about their financial skills compared to men. This can lead to feelings of hesitation while making critical financial decisions which has a negative impact on women’s financial well-being. Therefore, it is needed that financial literacy is built among women, especially women who aspire to run their own businesses so that they can take control of their financial future.

The Importance of Emergency Funds in Everyday Life

Imagine you have an emergency situation at home like an unexpected medical situation or a sudden job loss. What will you do in this case if you do not have a certain amount of money saved as an emergency fund? You might have to borrow money from friends or relatives. Or, you might have to take a loan at high interest rates. Life is unpredictable and at any moment it can bring us face-to-face with a situation where having a corpus of emergency fund can act like a life saver. It also provides you with the necessary peace of mind as you know that you will never end up in a situation where you don’t have the money for at least a few months’ worth of expenses.

Financial experts recommend saving three to six months’ worth of living expenses in an emergency fund. The COVID-19 pandemic underscored the importance of having an emergency fund. It was during the lockdown that many people faced situations like reduced incomes, high medical bills and even job losses. Those who had an emergency saving were able to weather the storm while the others ended up in deep financial stress.

How Women Entrepreneurs Need Emergency Savings to Sustain Their Businesses

Similar sudden and unexpected situations can also arise when you are running a business. A market downturn may hit your profitability, or a natural calamity may cause infrastructural damage. What will you do if a client goes bankrupt and fails to make a payment that you were relying on for smooth functioning of operations? Not all these situations can be insured. Therefore, having an emergency fund is critical for any entrepreneur.

Running a business involves various risks, including fluctuating income, unexpected expenses and economic downturns. Without an emergency fund, women entrepreneurs may struggle to keep their businesses afloat during tough times. It is also more likely that women entrepreneurs face unique challenges which have a negative impact on their ability to save an emergency fund. This is because many women entrepreneurs run businesses that operate in the informal sectors or are small-scale businesses.

They also face a societal and cultural bias in forms of beliefs that women cannot manage their money properly. This can impact their confidence levels and their decision-making may also be impacted because of these added pressures. According to a report by MicroSave Consulting (MSC), over 40% of women-owned micro-businesses lack emergency savings, putting them at a higher risk of financial instability. This lack of savings can lead to business closures, increased debt and reduced economic opportunities for women.

Risks Associated with Not Having Emergency Savings

So, what can happen if women entrepreneurs do not have a sufficient emergency fund? Without a cushion, they may be forced to take loans at high interest rates – which can be even higher than usual market rate because of the gender bias – or they may even have to shut their business. It can further impact their personal well-being and financial situation. In addition, women are more likely to face challenges in balancing their business aspirations and their domestic life, often expected to give priority to personal emergencies.

Research by the Global Entrepreneurship Monitor (GEM) indicates that businesses owned by women are more likely to close during economic crises compared to those owned by men. It can be because of the lack of financial resources available to women and the poor support system. The closure of a woman-owned business can have a negative impact which is even bigger because most of these businesses are likely to employ more women, giving them the opportunity to build financial independence.

Therefore, it becomes even more important for women-owned businesses to maintain an emergency fund because their closure can kill the dreams of many women who find comfort and safety in working with such a business.

Ways Women-Owned Businesses Can Maintain Emergency Savings

To build and maintain an emergency fund, women-owned businesses can adopt several strategies:

  1. Create a Budget: The first step to creating an emergency fund is to have an overall budget in place. All the expenses, current and expected, should be noted down and it should be ascertained how much money the business will need to sustain operations for six to nine months in case of an emergency. The next step is to start saving some money to create a corpus which is equal to the value of this calculated amount.
  2. Prioritise Debt Repayment: However, if a business has debt for which it has to pay high-interest rates, its priority should be to repay that debt. This is because in case of an emergency, the business cannot stop paying its debt instalments, which can further exacerbate its worries. A debt-free business can figure out ways to survive during a downturn as it still has all the assets in place.
  3. Diversify Income Streams: One of the biggest roadblocks in growing a small business is to become dependent on a single source of income at the beginning. It may take years for a business to become sustainable. Until one reaches that stage, they should try to create diverse income streams so that they can fund the business expenses during downturns.
  4. Build a Financial Cushion: As mentioned above, women entrepreneurs can face unique challenges in terms of personal obligations too. Therefore, apart from an emergency fund for the business, they should also create a financial cushion for themselves so that they can weather any storm.
  5. Seek Financial Advice: Lastly, it should be noted that financial literacy is a tough concept to grasp. It is even more difficult when you are running a business, and you might want to focus your attention on growing the business rather than managing finances. Therefore, if you can afford to, then take support of a financial adviser.

Support Initiatives for Women Business Owners

There are many initiatives and programmes available to support women entrepreneurs in building their emergency savings and achieving financial stability. Here are some of the examples:

  1. Grameen Foundation: The Grameen Foundation works to empower women entrepreneurs through microfinance, financial literacy training and business development services. Their programmes aim to improve financial inclusion and support women in building sustainable businesses.
  2. Goldman Sachs 10,000 Women: This initiative provides women entrepreneurs with business education, networking opportunities and access to capital. The programme aims to support women in building successful businesses and achieving long-term financial stability.
  3. Smile Foundation’s Swabhiman Initiative: This initiative focuses on empowering women, particularly from marginalised communities, by promoting education, vocational training and financial literacy for them to become micro-entrepreneurs pooling in shared resources to make the programme sustainable. Swabhiman equips women with the skills and confidence needed to achieve financial independence and build sustainable livelihoods.
  4. Digital Financial Services: Financial technology (fintech) companies are developing innovative solutions to improve financial inclusion for women entrepreneurs. Digital financial services, such as mobile banking and digital wallets, provide women with convenient and secure ways to save, invest and use their financial resources properly.
  5. Government Initiatives: The Indian government also has various initiatives that support entrepreneurs, especially women entrepreneurs, to access loans at low-interest rates, and other kinds of support.

Women entrepreneurs need financial literacy and emergency savings to play the long game. To achieve this, they should access every opportunity that is available to them. Women make up half of the population of India and if their potential is used to its optimal level, it can help in overall growth of the country. Financial management of their business initiatives is one step in that direction.

0%