Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
$message = 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
$stackFrame = (int) 1
$trace = [
	(int) 0 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ServerRequest.php',
		'line' => (int) 2421,
		'function' => 'deprecationWarning',
		'args' => [
			(int) 0 => 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead.'
		]
	],
	(int) 1 => [
		'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
		'line' => (int) 73,
		'function' => 'offsetGet',
		'class' => 'Cake\Http\ServerRequest',
		'object' => object(Cake\Http\ServerRequest) {},
		'type' => '->',
		'args' => [
			(int) 0 => 'catslug'
		]
	],
	(int) 2 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Controller/Controller.php',
		'line' => (int) 610,
		'function' => 'printArticle',
		'class' => 'App\Controller\ArtileDetailController',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 3 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 120,
		'function' => 'invokeAction',
		'class' => 'Cake\Controller\Controller',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 4 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 94,
		'function' => '_invoke',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(App\Controller\ArtileDetailController) {}
		]
	],
	(int) 5 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/BaseApplication.php',
		'line' => (int) 235,
		'function' => 'dispatch',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 6 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Http\BaseApplication',
		'object' => object(App\Application) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 7 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/RoutingMiddleware.php',
		'line' => (int) 162,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 8 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\RoutingMiddleware',
		'object' => object(Cake\Routing\Middleware\RoutingMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 9 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/AssetMiddleware.php',
		'line' => (int) 88,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 10 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\AssetMiddleware',
		'object' => object(Cake\Routing\Middleware\AssetMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 11 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Middleware/ErrorHandlerMiddleware.php',
		'line' => (int) 96,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 12 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Error\Middleware\ErrorHandlerMiddleware',
		'object' => object(Cake\Error\Middleware\ErrorHandlerMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 13 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 51,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 14 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Server.php',
		'line' => (int) 98,
		'function' => 'run',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\MiddlewareQueue) {},
			(int) 1 => object(Cake\Http\ServerRequest) {},
			(int) 2 => object(Cake\Http\Response) {}
		]
	],
	(int) 15 => [
		'file' => '/home/brlfuser/public_html/webroot/index.php',
		'line' => (int) 39,
		'function' => 'run',
		'class' => 'Cake\Http\Server',
		'object' => object(Cake\Http\Server) {},
		'type' => '->',
		'args' => []
	]
]
$frame = [
	'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
	'line' => (int) 73,
	'function' => 'offsetGet',
	'class' => 'Cake\Http\ServerRequest',
	'object' => object(Cake\Http\ServerRequest) {
		trustProxy => false
		[protected] params => [
			[maximum depth reached]
		]
		[protected] data => [[maximum depth reached]]
		[protected] query => [[maximum depth reached]]
		[protected] cookies => [
			[maximum depth reached]
		]
		[protected] _environment => [
			[maximum depth reached]
		]
		[protected] url => 'latest-news-updates/womens-bank-learns-from-elder-sibling-in-maharashtra-surabhi-23382/print'
		[protected] base => ''
		[protected] webroot => '/'
		[protected] here => '/latest-news-updates/womens-bank-learns-from-elder-sibling-in-maharashtra-surabhi-23382/print'
		[protected] trustedProxies => [[maximum depth reached]]
		[protected] _input => null
		[protected] _detectors => [
			[maximum depth reached]
		]
		[protected] _detectorCache => [
			[maximum depth reached]
		]
		[protected] stream => object(Zend\Diactoros\PhpInputStream) {}
		[protected] uri => object(Zend\Diactoros\Uri) {}
		[protected] session => object(Cake\Http\Session) {}
		[protected] attributes => [[maximum depth reached]]
		[protected] emulatedAttributes => [
			[maximum depth reached]
		]
		[protected] uploadedFiles => [[maximum depth reached]]
		[protected] protocol => null
		[protected] requestTarget => null
		[private] deprecatedProperties => [
			[maximum depth reached]
		]
	},
	'type' => '->',
	'args' => [
		(int) 0 => 'catslug'
	]
]
deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
$message = 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
$stackFrame = (int) 1
$trace = [
	(int) 0 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ServerRequest.php',
		'line' => (int) 2421,
		'function' => 'deprecationWarning',
		'args' => [
			(int) 0 => 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead.'
		]
	],
	(int) 1 => [
		'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
		'line' => (int) 74,
		'function' => 'offsetGet',
		'class' => 'Cake\Http\ServerRequest',
		'object' => object(Cake\Http\ServerRequest) {},
		'type' => '->',
		'args' => [
			(int) 0 => 'artileslug'
		]
	],
	(int) 2 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Controller/Controller.php',
		'line' => (int) 610,
		'function' => 'printArticle',
		'class' => 'App\Controller\ArtileDetailController',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 3 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 120,
		'function' => 'invokeAction',
		'class' => 'Cake\Controller\Controller',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 4 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 94,
		'function' => '_invoke',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(App\Controller\ArtileDetailController) {}
		]
	],
	(int) 5 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/BaseApplication.php',
		'line' => (int) 235,
		'function' => 'dispatch',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 6 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Http\BaseApplication',
		'object' => object(App\Application) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 7 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/RoutingMiddleware.php',
		'line' => (int) 162,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 8 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\RoutingMiddleware',
		'object' => object(Cake\Routing\Middleware\RoutingMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 9 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/AssetMiddleware.php',
		'line' => (int) 88,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 10 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\AssetMiddleware',
		'object' => object(Cake\Routing\Middleware\AssetMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 11 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Middleware/ErrorHandlerMiddleware.php',
		'line' => (int) 96,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 12 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Error\Middleware\ErrorHandlerMiddleware',
		'object' => object(Cake\Error\Middleware\ErrorHandlerMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 13 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 51,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 14 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Server.php',
		'line' => (int) 98,
		'function' => 'run',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\MiddlewareQueue) {},
			(int) 1 => object(Cake\Http\ServerRequest) {},
			(int) 2 => object(Cake\Http\Response) {}
		]
	],
	(int) 15 => [
		'file' => '/home/brlfuser/public_html/webroot/index.php',
		'line' => (int) 39,
		'function' => 'run',
		'class' => 'Cake\Http\Server',
		'object' => object(Cake\Http\Server) {},
		'type' => '->',
		'args' => []
	]
]
$frame = [
	'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
	'line' => (int) 74,
	'function' => 'offsetGet',
	'class' => 'Cake\Http\ServerRequest',
	'object' => object(Cake\Http\ServerRequest) {
		trustProxy => false
		[protected] params => [
			[maximum depth reached]
		]
		[protected] data => [[maximum depth reached]]
		[protected] query => [[maximum depth reached]]
		[protected] cookies => [
			[maximum depth reached]
		]
		[protected] _environment => [
			[maximum depth reached]
		]
		[protected] url => 'latest-news-updates/womens-bank-learns-from-elder-sibling-in-maharashtra-surabhi-23382/print'
		[protected] base => ''
		[protected] webroot => '/'
		[protected] here => '/latest-news-updates/womens-bank-learns-from-elder-sibling-in-maharashtra-surabhi-23382/print'
		[protected] trustedProxies => [[maximum depth reached]]
		[protected] _input => null
		[protected] _detectors => [
			[maximum depth reached]
		]
		[protected] _detectorCache => [
			[maximum depth reached]
		]
		[protected] stream => object(Zend\Diactoros\PhpInputStream) {}
		[protected] uri => object(Zend\Diactoros\Uri) {}
		[protected] session => object(Cake\Http\Session) {}
		[protected] attributes => [[maximum depth reached]]
		[protected] emulatedAttributes => [
			[maximum depth reached]
		]
		[protected] uploadedFiles => [[maximum depth reached]]
		[protected] protocol => null
		[protected] requestTarget => null
		[private] deprecatedProperties => [
			[maximum depth reached]
		]
	},
	'type' => '->',
	'args' => [
		(int) 0 => 'artileslug'
	]
]
deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

                trigger_error($message, E_USER_WARNING);

            } else {
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr68045ba48a428-trace').style.display = (document.getElementById('cakeErr68045ba48a428-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr68045ba48a428-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr68045ba48a428-code').style.display = (document.getElementById('cakeErr68045ba48a428-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr68045ba48a428-context').style.display = (document.getElementById('cakeErr68045ba48a428-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr68045ba48a428-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr68045ba48a428-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 23222,
		&#039;title&#039; =&gt; &#039;Women’s bank learns from elder sibling in Maharashtra -Surabhi&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Indian Express
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman&#039;s husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&amp;quot; Sinha said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The Bharatiya Mahila Bank, promised in this year&#039;s Budget, is to be inaugurated on Tuesday.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&amp;quot; she said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha&#039;s bank also gives a 1% rebate on interest to women who own property.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&amp;quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &amp;quot;I thought we were going to inaugurate the first women&#039;s bank in the country but you are already running one such bank.&amp;quot; 
&lt;/p&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Indian Express, 19 November, 2013, http://www.indianexpress.com/news/women-s-bank-learns-from-elder-sibling-in-maharashtra/1196548/0&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;womens-bank-learns-from-elder-sibling-in-maharashtra-surabhi-23382&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 23382,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 23222,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Women’s bank learns from elder sibling in Maharashtra -Surabhi&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;empowerment,Women&#039;s Bank,banking,Gender Equality&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-The Indian Express



For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Indian Express&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman&#039;s husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&amp;quot; Sinha said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The Bharatiya Mahila Bank, promised in this year&#039;s Budget, is to be inaugurated on Tuesday.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&amp;quot; she said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha&#039;s bank also gives a 1% rebate on interest to women who own property.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&amp;quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &amp;quot;I thought we were going to inaugurate the first women&#039;s bank in the country but you are already running one such bank.&amp;quot; &lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 23222,
	&#039;title&#039; =&gt; &#039;Women’s bank learns from elder sibling in Maharashtra -Surabhi&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Indian Express
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman&#039;s husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&amp;quot; Sinha said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The Bharatiya Mahila Bank, promised in this year&#039;s Budget, is to be inaugurated on Tuesday.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&amp;quot; she said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha&#039;s bank also gives a 1% rebate on interest to women who own property.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&amp;quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &amp;quot;I thought we were going to inaugurate the first women&#039;s bank in the country but you are already running one such bank.&amp;quot; 
&lt;/p&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Indian Express, 19 November, 2013, http://www.indianexpress.com/news/women-s-bank-learns-from-elder-sibling-in-maharashtra/1196548/0&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;womens-bank-learns-from-elder-sibling-in-maharashtra-surabhi-23382&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 23382,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {},
		(int) 3 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 23222
$metaTitle = &#039;LATEST NEWS UPDATES | Women’s bank learns from elder sibling in Maharashtra -Surabhi&#039;
$metaKeywords = &#039;empowerment,Women&#039;s Bank,banking,Gender Equality&#039;
$metaDesc = &#039;
-The Indian Express



For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Indian Express&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman&#039;s husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&amp;quot; Sinha said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The Bharatiya Mahila Bank, promised in this year&#039;s Budget, is to be inaugurated on Tuesday.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&amp;quot; she said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha&#039;s bank also gives a 1% rebate on interest to women who own property.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&amp;quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &amp;quot;I thought we were going to inaugurate the first women&#039;s bank in the country but you are already running one such bank.&amp;quot; &lt;/p&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/womens-bank-learns-from-elder-sibling-in-maharashtra-surabhi-23382.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | Women’s bank learns from elder sibling in Maharashtra -Surabhi | Im4change.org</title>
    <meta name="description" content="
-The Indian Express



For the Bharatiya Mahila Bank, the country's first pan-India national women's bank, it is a humble rural cooperative women's venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>Women’s bank learns from elder sibling in Maharashtra -Surabhi</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">-The Indian Express</div><p align="justify"><br />For the Bharatiya Mahila Bank, the country's first pan-India national women's bank, it is a humble rural cooperative women's venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.</p><p align="justify">Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman's husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.</p><p align="justify">&quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&quot; Sinha said.</p><p align="justify">Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.</p><p align="justify">The Bharatiya Mahila Bank, promised in this year's Budget, is to be inaugurated on Tuesday.</p><p align="justify">&quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&quot; she said.</p><p align="justify">Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.</p><p align="justify">With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha's bank also gives a 1% rebate on interest to women who own property.</p><p align="justify">&quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.</p><p align="justify">In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &quot;I thought we were going to inaugurate the first women's bank in the country but you are already running one such bank.&quot; </p>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$maxBufferLength = (int) 8192
$file = '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php'
$line = (int) 853
$message = 'Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853'
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 48
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 148]
Code Context
            $response->getStatusCode(),

            ($reasonPhrase ? ' ' . $reasonPhrase : '')

        ));
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr68045ba48a428-trace').style.display = (document.getElementById('cakeErr68045ba48a428-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr68045ba48a428-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr68045ba48a428-code').style.display = (document.getElementById('cakeErr68045ba48a428-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr68045ba48a428-context').style.display = (document.getElementById('cakeErr68045ba48a428-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr68045ba48a428-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr68045ba48a428-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 23222,
		&#039;title&#039; =&gt; &#039;Women’s bank learns from elder sibling in Maharashtra -Surabhi&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Indian Express
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman&#039;s husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&amp;quot; Sinha said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The Bharatiya Mahila Bank, promised in this year&#039;s Budget, is to be inaugurated on Tuesday.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&amp;quot; she said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha&#039;s bank also gives a 1% rebate on interest to women who own property.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&amp;quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &amp;quot;I thought we were going to inaugurate the first women&#039;s bank in the country but you are already running one such bank.&amp;quot; 
&lt;/p&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Indian Express, 19 November, 2013, http://www.indianexpress.com/news/women-s-bank-learns-from-elder-sibling-in-maharashtra/1196548/0&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;womens-bank-learns-from-elder-sibling-in-maharashtra-surabhi-23382&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 23382,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 23222,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Women’s bank learns from elder sibling in Maharashtra -Surabhi&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;empowerment,Women&#039;s Bank,banking,Gender Equality&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-The Indian Express



For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Indian Express&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman&#039;s husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&amp;quot; Sinha said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The Bharatiya Mahila Bank, promised in this year&#039;s Budget, is to be inaugurated on Tuesday.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&amp;quot; she said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha&#039;s bank also gives a 1% rebate on interest to women who own property.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&amp;quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &amp;quot;I thought we were going to inaugurate the first women&#039;s bank in the country but you are already running one such bank.&amp;quot; &lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 23222,
	&#039;title&#039; =&gt; &#039;Women’s bank learns from elder sibling in Maharashtra -Surabhi&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Indian Express
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman&#039;s husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&amp;quot; Sinha said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The Bharatiya Mahila Bank, promised in this year&#039;s Budget, is to be inaugurated on Tuesday.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&amp;quot; she said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha&#039;s bank also gives a 1% rebate on interest to women who own property.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&amp;quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &amp;quot;I thought we were going to inaugurate the first women&#039;s bank in the country but you are already running one such bank.&amp;quot; 
&lt;/p&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Indian Express, 19 November, 2013, http://www.indianexpress.com/news/women-s-bank-learns-from-elder-sibling-in-maharashtra/1196548/0&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;womens-bank-learns-from-elder-sibling-in-maharashtra-surabhi-23382&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 23382,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {},
		(int) 3 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 23222
$metaTitle = &#039;LATEST NEWS UPDATES | Women’s bank learns from elder sibling in Maharashtra -Surabhi&#039;
$metaKeywords = &#039;empowerment,Women&#039;s Bank,banking,Gender Equality&#039;
$metaDesc = &#039;
-The Indian Express



For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Indian Express&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman&#039;s husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&amp;quot; Sinha said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The Bharatiya Mahila Bank, promised in this year&#039;s Budget, is to be inaugurated on Tuesday.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&amp;quot; she said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha&#039;s bank also gives a 1% rebate on interest to women who own property.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&amp;quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &amp;quot;I thought we were going to inaugurate the first women&#039;s bank in the country but you are already running one such bank.&amp;quot; &lt;/p&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/womens-bank-learns-from-elder-sibling-in-maharashtra-surabhi-23382.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | Women’s bank learns from elder sibling in Maharashtra -Surabhi | Im4change.org</title>
    <meta name="description" content="
-The Indian Express



For the Bharatiya Mahila Bank, the country's first pan-India national women's bank, it is a humble rural cooperative women's venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>Women’s bank learns from elder sibling in Maharashtra -Surabhi</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">-The Indian Express</div><p align="justify"><br />For the Bharatiya Mahila Bank, the country's first pan-India national women's bank, it is a humble rural cooperative women's venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.</p><p align="justify">Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman's husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.</p><p align="justify">&quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&quot; Sinha said.</p><p align="justify">Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.</p><p align="justify">The Bharatiya Mahila Bank, promised in this year's Budget, is to be inaugurated on Tuesday.</p><p align="justify">&quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&quot; she said.</p><p align="justify">Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.</p><p align="justify">With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha's bank also gives a 1% rebate on interest to women who own property.</p><p align="justify">&quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.</p><p align="justify">In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &quot;I thought we were going to inaugurate the first women's bank in the country but you are already running one such bank.&quot; </p>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$reasonPhrase = 'OK'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitStatusLine() - CORE/src/Http/ResponseEmitter.php, line 148
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 54
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 181]
Code Context
                    $value

                ), $first);

                $first = false;
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr68045ba48a428-trace').style.display = (document.getElementById('cakeErr68045ba48a428-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr68045ba48a428-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr68045ba48a428-code').style.display = (document.getElementById('cakeErr68045ba48a428-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr68045ba48a428-context').style.display = (document.getElementById('cakeErr68045ba48a428-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr68045ba48a428-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr68045ba48a428-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 23222,
		&#039;title&#039; =&gt; &#039;Women’s bank learns from elder sibling in Maharashtra -Surabhi&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Indian Express
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman&#039;s husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&amp;quot; Sinha said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The Bharatiya Mahila Bank, promised in this year&#039;s Budget, is to be inaugurated on Tuesday.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&amp;quot; she said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha&#039;s bank also gives a 1% rebate on interest to women who own property.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&amp;quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &amp;quot;I thought we were going to inaugurate the first women&#039;s bank in the country but you are already running one such bank.&amp;quot; 
&lt;/p&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Indian Express, 19 November, 2013, http://www.indianexpress.com/news/women-s-bank-learns-from-elder-sibling-in-maharashtra/1196548/0&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;womens-bank-learns-from-elder-sibling-in-maharashtra-surabhi-23382&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 23382,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 23222,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Women’s bank learns from elder sibling in Maharashtra -Surabhi&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;empowerment,Women&#039;s Bank,banking,Gender Equality&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-The Indian Express



For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Indian Express&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman&#039;s husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&amp;quot; Sinha said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The Bharatiya Mahila Bank, promised in this year&#039;s Budget, is to be inaugurated on Tuesday.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&amp;quot; she said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha&#039;s bank also gives a 1% rebate on interest to women who own property.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&amp;quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &amp;quot;I thought we were going to inaugurate the first women&#039;s bank in the country but you are already running one such bank.&amp;quot; &lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 23222,
	&#039;title&#039; =&gt; &#039;Women’s bank learns from elder sibling in Maharashtra -Surabhi&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Indian Express
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman&#039;s husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&amp;quot; Sinha said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The Bharatiya Mahila Bank, promised in this year&#039;s Budget, is to be inaugurated on Tuesday.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&amp;quot; she said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha&#039;s bank also gives a 1% rebate on interest to women who own property.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&amp;quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &amp;quot;I thought we were going to inaugurate the first women&#039;s bank in the country but you are already running one such bank.&amp;quot; 
&lt;/p&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Indian Express, 19 November, 2013, http://www.indianexpress.com/news/women-s-bank-learns-from-elder-sibling-in-maharashtra/1196548/0&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;womens-bank-learns-from-elder-sibling-in-maharashtra-surabhi-23382&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 23382,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {},
		(int) 3 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 23222
$metaTitle = &#039;LATEST NEWS UPDATES | Women’s bank learns from elder sibling in Maharashtra -Surabhi&#039;
$metaKeywords = &#039;empowerment,Women&#039;s Bank,banking,Gender Equality&#039;
$metaDesc = &#039;
-The Indian Express



For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Indian Express&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;For the Bharatiya Mahila Bank, the country&#039;s first pan-India national women&#039;s bank, it is a humble rural cooperative women&#039;s venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman&#039;s husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&amp;quot; Sinha said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The Bharatiya Mahila Bank, promised in this year&#039;s Budget, is to be inaugurated on Tuesday.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&amp;quot; she said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha&#039;s bank also gives a 1% rebate on interest to women who own property.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&amp;quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &amp;quot;I thought we were going to inaugurate the first women&#039;s bank in the country but you are already running one such bank.&amp;quot; &lt;/p&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/womens-bank-learns-from-elder-sibling-in-maharashtra-surabhi-23382.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | Women’s bank learns from elder sibling in Maharashtra -Surabhi | Im4change.org</title>
    <meta name="description" content="
-The Indian Express



For the Bharatiya Mahila Bank, the country's first pan-India national women's bank, it is a humble rural cooperative women's venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>Women’s bank learns from elder sibling in Maharashtra -Surabhi</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">-The Indian Express</div><p align="justify"><br />For the Bharatiya Mahila Bank, the country's first pan-India national women's bank, it is a humble rural cooperative women's venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.</p><p align="justify">Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman's husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.</p><p align="justify">&quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&quot; Sinha said.</p><p align="justify">Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.</p><p align="justify">The Bharatiya Mahila Bank, promised in this year's Budget, is to be inaugurated on Tuesday.</p><p align="justify">&quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&quot; she said.</p><p align="justify">Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.</p><p align="justify">With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha's bank also gives a 1% rebate on interest to women who own property.</p><p align="justify">&quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.</p><p align="justify">In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &quot;I thought we were going to inaugurate the first women's bank in the country but you are already running one such bank.&quot; </p>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$cookies = []
$values = [
	(int) 0 => 'text/html; charset=UTF-8'
]
$name = 'Content-Type'
$first = true
$value = 'text/html; charset=UTF-8'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitHeaders() - CORE/src/Http/ResponseEmitter.php, line 181
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 55
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

<head>

    <link rel="canonical" href="<?php echo Configure::read('SITE_URL'); ?><?php echo $urlPrefix;?><?php echo $article_current->category->slug; ?>/<?php echo $article_current->seo_url; ?>.html"/>

    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>

$viewFile = '/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp'
$dataForView = [
	'article_current' => object(App\Model\Entity\Article) {

		'id' => (int) 23222,
		'title' => 'Women’s bank learns from elder sibling in Maharashtra -Surabhi',
		'subheading' => '',
		'description' => '<div align="justify">
-The Indian Express
</div>
<p align="justify">
<br />
For the Bharatiya Mahila Bank, the country's first pan-India national women's bank, it is a humble rural cooperative women's venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.
</p>
<p align="justify">
Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman's husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.
</p>
<p align="justify">
&quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&quot; Sinha said.
</p>
<p align="justify">
Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.
</p>
<p align="justify">
The Bharatiya Mahila Bank, promised in this year's Budget, is to be inaugurated on Tuesday.
</p>
<p align="justify">
&quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&quot; she said.
</p>
<p align="justify">
Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.
</p>
<p align="justify">
With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha's bank also gives a 1% rebate on interest to women who own property.
</p>
<p align="justify">
&quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.
</p>
<p align="justify">
In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &quot;I thought we were going to inaugurate the first women's bank in the country but you are already running one such bank.&quot; 
</p>',
		'credit_writer' => 'The Indian Express, 19 November, 2013, http://www.indianexpress.com/news/women-s-bank-learns-from-elder-sibling-in-maharashtra/1196548/0',
		'article_img' => '',
		'article_img_thumb' => '',
		'status' => (int) 1,
		'show_on_home' => (int) 1,
		'lang' => 'EN',
		'category_id' => (int) 16,
		'tag_keyword' => '',
		'seo_url' => 'womens-bank-learns-from-elder-sibling-in-maharashtra-surabhi-23382',
		'meta_title' => null,
		'meta_keywords' => null,
		'meta_description' => null,
		'noindex' => (int) 0,
		'publish_date' => object(Cake\I18n\FrozenDate) {},
		'most_visit_section_id' => null,
		'article_big_img' => null,
		'liveid' => (int) 23382,
		'created' => object(Cake\I18n\FrozenTime) {},
		'modified' => object(Cake\I18n\FrozenTime) {},
		'edate' => '',
		'tags' => [
			[maximum depth reached]
		],
		'category' => object(App\Model\Entity\Category) {},
		'[new]' => false,
		'[accessible]' => [
			[maximum depth reached]
		],
		'[dirty]' => [[maximum depth reached]],
		'[original]' => [[maximum depth reached]],
		'[virtual]' => [[maximum depth reached]],
		'[hasErrors]' => false,
		'[errors]' => [[maximum depth reached]],
		'[invalid]' => [[maximum depth reached]],
		'[repository]' => 'Articles'
	
	},
	'articleid' => (int) 23222,
	'metaTitle' => 'LATEST NEWS UPDATES | Women’s bank learns from elder sibling in Maharashtra -Surabhi',
	'metaKeywords' => 'empowerment,Women's Bank,banking,Gender Equality',
	'metaDesc' => '
-The Indian Express



For the Bharatiya Mahila Bank, the country's first pan-India national women's bank, it is a humble rural cooperative women's venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not...',
	'disp' => '<div align="justify">-The Indian Express</div><p align="justify"><br />For the Bharatiya Mahila Bank, the country's first pan-India national women's bank, it is a humble rural cooperative women's venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.</p><p align="justify">Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman's husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.</p><p align="justify">&quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&quot; Sinha said.</p><p align="justify">Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.</p><p align="justify">The Bharatiya Mahila Bank, promised in this year's Budget, is to be inaugurated on Tuesday.</p><p align="justify">&quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&quot; she said.</p><p align="justify">Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.</p><p align="justify">With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha's bank also gives a 1% rebate on interest to women who own property.</p><p align="justify">&quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.</p><p align="justify">In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &quot;I thought we were going to inaugurate the first women's bank in the country but you are already running one such bank.&quot; </p>',
	'lang' => 'English',
	'SITE_URL' => 'https://im4change.in/',
	'site_title' => 'im4change',
	'adminprix' => 'admin'
]
$article_current = object(App\Model\Entity\Article) {

	'id' => (int) 23222,
	'title' => 'Women’s bank learns from elder sibling in Maharashtra -Surabhi',
	'subheading' => '',
	'description' => '<div align="justify">
-The Indian Express
</div>
<p align="justify">
<br />
For the Bharatiya Mahila Bank, the country's first pan-India national women's bank, it is a humble rural cooperative women's venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.
</p>
<p align="justify">
Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman's husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.
</p>
<p align="justify">
&quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&quot; Sinha said.
</p>
<p align="justify">
Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.
</p>
<p align="justify">
The Bharatiya Mahila Bank, promised in this year's Budget, is to be inaugurated on Tuesday.
</p>
<p align="justify">
&quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&quot; she said.
</p>
<p align="justify">
Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.
</p>
<p align="justify">
With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha's bank also gives a 1% rebate on interest to women who own property.
</p>
<p align="justify">
&quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.
</p>
<p align="justify">
In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &quot;I thought we were going to inaugurate the first women's bank in the country but you are already running one such bank.&quot; 
</p>',
	'credit_writer' => 'The Indian Express, 19 November, 2013, http://www.indianexpress.com/news/women-s-bank-learns-from-elder-sibling-in-maharashtra/1196548/0',
	'article_img' => '',
	'article_img_thumb' => '',
	'status' => (int) 1,
	'show_on_home' => (int) 1,
	'lang' => 'EN',
	'category_id' => (int) 16,
	'tag_keyword' => '',
	'seo_url' => 'womens-bank-learns-from-elder-sibling-in-maharashtra-surabhi-23382',
	'meta_title' => null,
	'meta_keywords' => null,
	'meta_description' => null,
	'noindex' => (int) 0,
	'publish_date' => object(Cake\I18n\FrozenDate) {},
	'most_visit_section_id' => null,
	'article_big_img' => null,
	'liveid' => (int) 23382,
	'created' => object(Cake\I18n\FrozenTime) {},
	'modified' => object(Cake\I18n\FrozenTime) {},
	'edate' => '',
	'tags' => [
		(int) 0 => object(Cake\ORM\Entity) {},
		(int) 1 => object(Cake\ORM\Entity) {},
		(int) 2 => object(Cake\ORM\Entity) {},
		(int) 3 => object(Cake\ORM\Entity) {}
	],
	'category' => object(App\Model\Entity\Category) {},
	'[new]' => false,
	'[accessible]' => [
		'*' => true,
		'id' => false
	],
	'[dirty]' => [],
	'[original]' => [],
	'[virtual]' => [],
	'[hasErrors]' => false,
	'[errors]' => [],
	'[invalid]' => [],
	'[repository]' => 'Articles'

}
$articleid = (int) 23222
$metaTitle = 'LATEST NEWS UPDATES | Women’s bank learns from elder sibling in Maharashtra -Surabhi'
$metaKeywords = 'empowerment,Women's Bank,banking,Gender Equality'
$metaDesc = '
-The Indian Express



For the Bharatiya Mahila Bank, the country's first pan-India national women's bank, it is a humble rural cooperative women's venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not...'
$disp = '<div align="justify">-The Indian Express</div><p align="justify"><br />For the Bharatiya Mahila Bank, the country's first pan-India national women's bank, it is a humble rural cooperative women's venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans.</p><p align="justify">Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman's husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights.</p><p align="justify">&quot;It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it,&quot; Sinha said.</p><p align="justify">Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option.</p><p align="justify">The Bharatiya Mahila Bank, promised in this year's Budget, is to be inaugurated on Tuesday.</p><p align="justify">&quot;The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better,&quot; she said.</p><p align="justify">Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region.</p><p align="justify">With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha's bank also gives a 1% rebate on interest to women who own property.</p><p align="justify">&quot;Men are welcome to open savings bank accounts but it is only women who are eligible for loans,&quot; said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum.</p><p align="justify">In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: &quot;I thought we were going to inaugurate the first women's bank in the country but you are already running one such bank.&quot; </p>'
$lang = 'English'
$SITE_URL = 'https://im4change.in/'
$site_title = 'im4change'
$adminprix = 'admin'

include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51

Women’s bank learns from elder sibling in Maharashtra -Surabhi

-The Indian Express For the Bharatiya Mahila Bank, the country's first pan-India national women's bank, it is a humble rural cooperative women's venture in Maharashtra that has provided the critical input to succeed: How to lend to women who do not have collateral to back their loans. Chetna V Sinha, founder and chairperson of Mann Deshi Mahila Sahakari Bank, explained that this is the prime weakness in giving loans to women. The cooperative bank got around the problem by asking the woman's husband to give an undertaking that his wife is a partner in the property and that she is taking the loan to develop her household. This is the same technique the Bharatiya Mahila Bank plans to adopt. In fact, it is Sinha who advised the new bank to do so. To become a part of the financial inclusion story, it is essential that the bank adopts this hybrid model as banks otherwise give loans only against single, unencumbered property rights. "It is wrong to say that women do not have collateral as even if the property is not in her name, she does have a part in it," Sinha said. Mann Deshi Bank had approached then Bombay High Court judge CS Dharmadhikari in 2000 for a legal opinion on the issue before the bank rolled out the special system for lending. And with a repayment rate of 98%, it has demonstrated this is a feasible option. The Bharatiya Mahila Bank, promised in this year's Budget, is to be inaugurated on Tuesday. "The domestic dynamics of gender bias tends to affect banking rights, too. We have tried to overcome this problem in all our services. For instance, we find electronic passbooks suit women better," she said. Started in 1997, the Mhaswad, Satara-headquartered Mann Deshi Bank is run exclusively for and by women. Apart from loans, it also provides financial services including savings bank accounts, doorstep banking, and pension and insurance products to women in the region. With short-term and long-term loans, loans against gold, housing loans, group loans as well lending for consumption needs such as weddings and for buying livestock, Sinha's bank also gives a 1% rebate on interest to women who own property. "Men are welcome to open savings bank accounts but it is only women who are eligible for loans," said Sinha, who was recently awarded the 2013 India Social Entrepreneur of the Year award by The Schwab Foundation for Social Entrepreneurship, a sister organisation of the World Economic Forum. In fact, with women constituting more than 80% of its 1,85,000 customer base, finance minister P Chidambaram, who gave the award, jokingly said: "I thought we were going to inaugurate the first women's bank in the country but you are already running one such bank."