Although most of my work is with microfinance institutions, I have the good fortune to catch up with great institutions doing quite innovative work every now and then. D.Net is one such institution, who I interned with way back in 2006. Most of their work is in the realm of ICT4D (ICT for Development) and over the years they have pushed out a couple of quite successful technology-reliant solutions.
One of the latest one they are working on is this concept called the Info Lady. It’s an entrepreneurial woman who is provided skills training and a notebook and other digital equipment, who goes around in a bike in her own community and those near it and provides livelihood information, usually for a fee. Sounds a little … far-fetched, right?
Turns out, it actually works and is a sustainable business model. The original idea was inspired by D.Net’s success with Pallitathya Kendras, or Village Information Kiosks where people would come to these centers and obtain all manners of livelihood information for a fee. The Info Lady model simply extends this idea by taking that information to the doorsteps of clients, literally.
There are 90 possible services that could be provided, but based on demand most Info Ladies provide 20 to 25 services. Offerings include everything from health services (blood pressure, pregnancy tests etc.) to information on income generation activities to assistance for workers seeking employment abroad to taking pictures or videos at weddings. In fact, the last one has turned out to be quite popular and is also a good source of income for the Info Ladies.
Info Ladies require a fair bit of training on domain knowledge and technical expertise, which requires an extensive training program over a couple of weeks. The program is being rolled out in a handful of districts. There are 57 Info Ladies in the field at the moment, with 105 undergoing training. The target is to have 300 Info Ladies offering their services by the end of the quarter.
There is an upfront cost to getting the Info Ladies set up. The total up-front cost can vary between $1,500 to $2,000 depending on the equipment options. D.Net is subsidizing a part of the costs, but the Info Lady is expected to come up with most of it on her own, or take responsibility for most of it. One option is a 3-yr loan from the public National Bank that comes with a 3-month grace period and a 9% interest rate (commercial interest rates are around 19%). The average earnings reported is about $150 per month, which makes a monthly loan servicing amount of $50-$60 conceivable. By the way, the highest consistent earnings reported is a little over $600; while this can’t be taken as the average scenario, it does show the earning potential of the practice.
D.Net is also trying to get the Bangladeshi Diaspora involved by getting them to sponsor Info Ladies – another hallmark of D.Net projects.
Here’s an article that came out in The Daily Star (link to an archive because the paper’s website is currently migrating to a new one..). And here’s a powerpoint that gives a bit more detail on what an Info Lady does: