Rich country governments are also under pressure to honor their promises to increase aid budgets to 0.7% of national income. As the average for 2009 was only 0.31%, there is considerable scope for improving on the current level of foreign aid, around $120 billion per annum.

Whilst aid fulfils a valuable role in lifting people out of poverty, in building government institutions and in pioneering new ideas for development, it is only a small part of the solution to global poverty.


Multinational corporations active in developing countries are notoriously adept at manipulating their complex inter-company structures to minimize tax burdens. Wealthy elites, too, are quick to transfer assets to secretive tax havens. It has been estimated that poor countries are denied tax revenues from each of these sources exceeding in aggregate the current level of foreign aid.


It is generally accepted that investment in the rural economy is the most cost-effective means of reducing poverty. Many governments in Africa have renewed their commitments to raise spending on agriculture.


The broader challenge for budget spending in developing countries is to facilitate an equitable distribution of the rewards of economic growth. The concept of cash transfers as safety net payments for the poor, often conditional on children’s attendance at school and for immunization, is increasingly favored. Brazil’s economic transformation is attributed in part to the success of its family-based income-support program, known as Bolsa Familia.

Of equal importance to local communities and individual households are greater powers to control their own affairs. An infusion of accountability through democracy and individual rights creates the environment in which governments come under pressure to end wasteful practices and corruption.


Social Development:

  • Basic Needs Program: (Availability of safe drinking water, Establishment of Innovative Schools, Enhancing Health status, Community Based Medicine Distribution Centers, Construction of Water harvesting Structures to facilitate irrigation).
  • Health and Nutrition: The Organization sincerely will work towards bringing down the child mortality, improving maternal health, Ophthalmic Care, Popularizing Blood Donation activities, mental health, Creating awareness on HIV/AIDS/TB and Malaria, Community Based Drug Distribution Centre, Urban Health Care Centre, Emergency Health support with Ambulance services and Regular Health Camps at Rural outset It has taken the oath to work as a force to change the stigma and discrimination associated with diseases like tuberculosis, HIV/AIDS and Leprosy by creating   repeated expeditions of awareness in the community.
  • Socialization of Leprosy Cured Person: Socialization of leprosy cured persons through engagement in different enterprises to refrain from begging.
  • Education: HFG aims to bridge gender and social gaps in primary education and create an innovative school model which is affordable, effective, and qualitative.
  • Natural Resource Management: Natural Resource Management through conservation and protection of forest, Plantations, crop diversification will be done at community level to have sustainable livelihood as well as environment protection. Preservation of water through conventional as well as scientific method for optimum utilization.
  • Corporate Social Responsibilities: The Organization will facilitate the Corporates through proper project planning and implementation for optimal utilization of Corporate Social Responsibility (CSR) framework in sync with HFG’s vision and mission.
  • Programs for Differently Abled People: The Organization  will appoint number of staff with several types of disabilities and also efforts are on to identify differently Abled people from villages under several categories, where they are supported with health and care services and encouraged with microfinance support for different income generating activities.
  • Water & Sanitation: Promoting sanitation will be an integral component of HFG’s social sector strategy.  It works with Government and other partners to create conditions for change or enabling environments to ensure the effectiveness and sustainability of all water and sanitation campaigns.
  • Tribal Development Program:  With a vision to create a poverty-free society, a mainstreaming the tribal population the Organization will start intervening with the tribal population in its operational area.
  • Best Practices in Disaster Management: Taking serious note of different disasters in the state of Orissa in the last decade, HFG will undertake a number of activities in enabling the people to reduce their vulnerability to overcome such untoward events through disaster management, preparedness and mitigation activities. Some awareness programs have also been carried out to create a sense of responsibility and accountability to solve the problems at community level. HFG was involved in relief and rescue operations, which took a heavy toll of life and property during the recent flood.
  • Women & Child: HFG will establish home for trafficked/destitute women and women in difficulty. HFG is also running a child home (orphanage) from its own sources for orphans and trafficked children. Family Counselling Centre and Help Line Desk to extend need-based help to women in difficult situation and restoration of family peace.
  • HFG Cultural Unit: HFG will take initiative to restore the fading culture by locating cultural talents, bringing out the best out of them, which are groomed under the umbrella of “HFG Cultural Troupe”.
  • HFG as a state resource center has undertaken training programs targeting Anganwadi workers, Auxiliary Nurses, Midwives and Primary school teachers in Sambalpur, and Deogarh districts.  Training on Self Help Group activities to participants sponsored by Nehru Yuva Kendra Sangathan.
  • HFG will Establish efficient and user-friendly lights in 100 villages: 100% elimination of use of kerosene by 2010.
  • Initiation of peace restoration in strife torn region with organizing peace march and meetings.

Micro Finance:

Micro-Finance Mission: There is little doubt as to the impact that has been made by micro-financing in developing areas. Before micro-financing, the “little guys” had little to no chance. While the cost of capital for entrepreneurs in developing countries was prohibitively high for everyone, poor persons with great ideas still stood at a greater disadvantage – they were essentially “unbankable” and had to endure perpetual wealth disparity.
Microfinance is the supply loans, incentivized savings, and other basic financial services to poor and marginalized groups. The “loans” part, “Micro-credit”, is what most people know and generally mean when discussing this topic


Source: Microfinance and Microcredit, Principles of Microfinance.  

MFI = Micro-finance Institutions. SHG = Self Help Groups 

The image describes the structure of the microfinance industry until the arrival of the internet and organizations



Create a fair and level playing field for every micro-entrepreneur so that they do not need to be permanent dependent just because they do not qualify for the mainstream finance.

  •  Revive the root of banking, so that credit is once again based on trust and relationship and a person’s wealth or poverty has no bearing on his/her creditworthiness.
  •  Make a real and lasting psychological, social & financial impact on individuals; help build strong, cohesive communities; and generate substantial job opportunities and economic benefit for society.
  •  Make available financial services at lowest possible cost at the doorstep of the customers.
  • Formation of SHG
  • Capacity building financial management and micro enterprise
  • Encourage Savings for Capital growth
  • Encourage Micro-enterprise for credit deepening
  • Credit to pursue income generation activities
  • Women focused
  • Federation Building
  • Collateral free loans
  • Provision of Social security system (Insurance)
  • Flexible repayment periodicity

Micro Enterprise:


Microenterprise development is a very specific type of microfinance: providing loans to the poor for income-generating activities. Microenterprise development is the heart and soul of microfinance because it provides those stuck in poverty with the tools to begin to pull themselves out.

At the core of microenterprise development is the micro-entrepreneur: one who starts and runs a microenterprise, or a small business. These microenterprises may be something as simple as selling pancakes, raising chickens, or making baskets. As the business generates income, the micro-entrepreneur repays the loan and reinvests the profits in her business.

Successful microenterprise development, the HFG Micro Dreams way, provides much more than simply loans. HFG Micro Dreams’ partners also provide savings and insurance products, as well as training, on-going guidance, and motivation to help ensure micro-entrepreneurs’ success. Once the microenterprise is made a success and the initial loan is repaid, the micro-entrepreneur becomes eligible for additional microfinance services such as financing for basic housing improvements and childhood education.

  • Conducting regular Training programs to social enterprises.
  • HFG has promoted marketing outlets which displays the products manufactured by the MSME/ SHG’s and retails it.
  • Common Facility Centers.
  • Cluster Development

Micro Insurance:

Poor households are especially vulnerable to risk, in both the form of natural calamities as well as more regular occurrences of illnesses and accidents. Micro-Finance institutions (MFIs) have played an active role in reducing and protecting them against such situations by providing credit for increasing income-earning opportunities; and by providing savings services to build up resources that can be utilized in cases of emergencies. As one of its development interventions and as a social security measure, HFG cover its clients in three major micro-insurance schemes.

Micro Marketing:

HFG, through its field experience, has realized that successful marketing of rural products and services is a very crucial factor to bring a significant change in the economic status of the targeted households.

In future HFG aims at establishing a brand name and reach out to the clients at national level including the metropolis and big cities. This will ensure maximum profit and radical change in the economic status of the households remaining at the lowest strata of the society.

HFG Network:

HFG Network is one of our umbrella Organizations, continuing in performing its role and responsibilities sincerely and quite active in conducting several activities for strengthening partnership with NGOs throughout the globe. Its endeavors are mainly focused on coordination with partner NGOs and simultaneously to enhance their ability to execute different operations in association with HFG. In its five branched area of activity HFG Network has been able to evolve some new ideas which have been supportive in holding conducive relationship with partner NGOs and looking forward to further cultivate it for qualitative and quantitative outcomes.

HFG Research and Innovation Centre:

HFG will establish a center called HFG Research & Innovation Centre (HFGRIC). The Centre will be dedicated to work on related issues of innovation, globalization, human development, the knowledge based economy, social sustainability, and the problem of social exclusion (basic educational and primary health and livelihood choices and options to overcome food insecurity and problems of quality of life indicators), and emerging issues of global warming, climate change and environment, water scarcity, gender, local governance of services and entitlements and human rights. HFGRIC has been envisaged with a mandate to provide knowledge, research, and extension support to HFG for development intervention.

Research, Documentation & Consultancy:

HFG Research, Documentation and Consultancy wing will works on the whole range of content and strategy needs for the Organization including case studies, interviews, market research, Internet research, e-books, e-learning content, information analysis, book reviews, research collaboration, innovations, training manuals, courseware, process documentation in audio-visual documentation, annual reports, policies and procedures, community development lessons and grassroots instructional illustrations.

HFG ITC INIATIVE; Application of Information Communication Technology (ICT):

HFG sought to develop and strengthen the technology skills of its members. In 20012-15 HFG could be the proud owner and user of a State-of-art information communication technology and computer system. The aim of this initiative is the application of Information and Communication Technologies (ICTs) within the field of socio-economic development.

HFG ITC INIATIVE is dedicated to bring IT literacy to as many people as possible. We are therefore offering basic IT courses from well-known companies such as Cisco Systems and Sun Microsystems completely free. That is right! Students will be taught by an instructor for free, and gain access to the online curriculum for free. Additionally, there will be a discount for exams… And anyone can partake in this endeavor!

Universities and high schools who wish to partake in this initiative can do so in alliance with the Digital Academy. An HFG ITC INIATIVE ambassador will head a group of HFG ITC INIATIVE volunteers – known as a chapter – in each university or high-school. In the high school, the chapter will select a group of students from each year group who will then teach the basics of IT to all the students in their year.

Within the university campus, the chapter will ideally consist of students from the
Faculty of Engineering who have a passion for IT. Within the university, the chapter will select a faculty team leader from each faculty. The faculty team leader will then recruit local faculty members who will act as mentors teaching the basics of IT to all members of his or her faculty.