Articles by Navya P K

In the first part of the series Loans for poor in Bengaluru, we explored how the system of loan from informal sources with high interest rates is pushing the poor deeper into poverty. The second part explored the system of bank loans for poor, to see whether it benefits the poor who don’t have securities. In the third part, we examine how micro-finance institutions function, and what do poor people feel about it. Mariyal, a 33-year-old domestic worker living in Ejipura slum in Bengaluru, has taken a Micro Finance Institution (MFI) loan for the first time. She has borrowed Rs…

The first part of the series LOANS FOR URBAN POOR IN BENGALURU explained how the urban poor living in the slums of Bengaluru get trapped in the circle of borrowing, paying interest and re-borrowing. In this part, the author explores the reason behind the same—why banks do not help the poor—how complicated the process is. Sunil, a slum dweller in Swatantrapalya, wants to buy an auto. He needs a loan badly. Not keen on lending money from local moneylenders for extra interest, he wants to secure a bank loan. However, he doesn’t have any collateral security to offer to the…

Alamelu works in one of the flats in a nearby apartment complex. After returning to her home in Swatantrapalya, she prepares incense sticks. Pics: Shree D N Sitting on the floor in her two-room house in Ragigudda EWS quarters, Rajeshwari N, a domestic worker and mother of two, says that she hopes to leave the locality within next two-three years. She has borrowed over Rs 2 lakh to pay the Slum Board for house allotment and to pay off her relatives who wanted to stake claim to the house. Rajeshwari has been living in the area–which was Ragigudda slum earlier–for…

Balraj J applied for the birth certificate of his daughter in April 2013, but he had to wait for more than 90 days before he could get it. He needed the birth certificate urgently, in order to apply for the Bhagyalakshmi Scheme (launched by the government to promote birth of girl child in Below Poverty Line families.) He says, "My daughter was born in Avhieta Hospital, Hennur Bagalur Main Road. But, we were not guided regarding the process of applying for a Birth Certificate in the hospital. When I approached the concerned department at the BBMP office in Kothanur, I…

Members of the Peoples’ Union for Civil Liberties (PUCL) voiced concerns about the term ‘encroachers’ being used to describe Ejipura evictees. To prove that they are not encroachers but original allottees, they shared documents of property rights of the evictees, at a press conference held on 9 July 2013. PUCL, in association with Housing and Land Rights Network, another international NGO focussing on housing for poor, also released a report titled ‘Governance by denial,’ which analyses the related events before and after the eviction. Ramadas Rao, a member of PUCL, said the allegations of MLA N A Haris that evictees…

Rajesh (name changed), one of the founder members of NGEF Housing Society, was in for a shock when he realised that he himself was not going to get a site in NGEF Layout, Mallathahalli. Rajesh had paid for a 40X60 site, but when he tried to get a khata, he was told that the site did not exist in the approved plan. It was instead part of the original land owner’s share. It was after a long legal battle that he was finally allotted a site. Many buyers are often not as lucky. Many have lost their money to House…

In Part I and Part II of the series, Citizen Matters had explained how the Manipal ETA Infotech is constructing a multi-crore project near Agara lake, consuming the wetland and lake drain, and how the authorities like Ministry of Environment and Forests have approved the project. Part III explains the traffic-related problems the project has brought in. Studies - including those submitted by the builder - show that the Sarjapur Road is going to be completely choked once the project by Manipal ETA Infotech comes up. The project will have parking facility for over 14,400 vehicles. The entire complex is…

Citizen Matters had earlier reported about a 72-acre SEZ-cum-township coming up in Agara village, near Koramangala 1st block. The project, named Manipal ETA Infotech, had got approval saying that BWSSB will meet its water needs. Citizen Matters had exposed that BWSSB’s NOC (No Objection Certificate) was only for a tiny area of the project, even though NOC is compulsory for the entire area. Also, the BWSSB said it did not even know about the project in its full size. The project site. Pic: Meera K. The project is a joint venture between Mantri Developers and Century Real Estate, with Century…

In Part I of this series, Citizen Matters blew the lid off the IISc report that revealed the encroachment of a major Rajakaluve by the SEZ project by Manipal ETA Infotech Pvt Ltd. This part will explain the random changes made by the BDA in the status of the project land, resulting in a change of status, from being a ‘valley zone' to an industrial area. The site has seen some rapid changes in the last decade. In ‘95, BDA had classified this land as largely residential and park area. In 2005, BDA started revising its master plan. In the…

Bangalore's water crisis has been averted for now, with a newly-formed committee appointed to look into the water supply to the city. One tmc ft (thousand million cubic feet) of water will be diverted from Hemavathi river to the KRS dam; currently there is one tmc ft of live storage existing in KRS dam as well. "Together, this two tmc ft water will meet the requirement of Bangalore till monsoon. The water requirement of Bangalore is 1.2 tmc ft per month," says a senior BWSSB officer, on condition of anonymity. The committee to oversee the process, was appointed after a…