As per the estimates by WHO (World Health Organisation), 5,29,000 maternal deaths occur in the world every year. Out of these around 1,36,000 or 25.7% of total deaths happen in India. Every five minutes, one Indian woman die during pregnancy and child birth.

In a statement released by WHO, it was stated that, “Two-thirds of maternal deaths occur after delivery and postpartum hemorrhage being the most commonly reported complication. The incidence of emergency postpartum hysterectomies is about 83/100,000 with a maternal mortality of 17.7 per cent and a perinatal mortality of 37.5 per cent”.

India carries the burden of around 17 per cent of the global maternal deaths and post-partum haemorrhage, accounting for as high as 37% of the maternal deaths. This situation will prove to be a major hindrance for India in achieving the goal of a healthy and developed nation.

Majority of women dying and facing complications during pregnancy and childbirth are from the lower income group and neither they are aware about reproductive health nor have the money to consult the doctors or afford appropriate healthcare facilities.

In order to improve the healthcare conditions of pregnant women for safe child birth, better health post delivery, the Maharashtra based NGO has started free mobile voice call service known as mMitra for giving free consultation to the women during their pregnancy. A voice message has been regularly sent to the enrolled women, reminding them continuously about the mandatory medicines, tests and scans required during their pregnancy.

Nearly 1.30 lakh women from the Nalasopara slum area of Maharashtra have enrolled for the service. Women have enrolled for this service and were guided through short voice messages like regular health checkups, ultrasounds, diet, etc. Many women have claimed multiple benefits from the service like better health, “uneventful” delivery which means without any complications such as diabetes, high blood pressure or bleeding during the childbirth. Inspired by the benefits, they are also encouraging the many other women in their area to register for the services.

The initiative is the brainchild of Dr. Aparna Hegde, alumna of a Sion Hospital in Mumbai. “The success of the initiative shows that there was a great need for an information medium. Women are now demanding iron and folic acid from hospitals, which was always available for free but they had no knowledge about it.

During a study conducted by the same NGO it found that there is a 36% increase in the knowledge of women listening to the voice messages consistently and 47% increase in women knowing about the three family planning methods. Looking at the success and popularity of the programme, the NGO is planning to extend services to other states of India like Delhi, Assam, UP, etc. to educate and help women during pregnancy and childbirth as well as maintain good maternal health post childbirth.

Fiinovation urges the leading hospitals and health consultancies to extend support for such initiatives through their CSR funds and technical expertise for creating a huge impact in the lives of millions of young women, focused on reducing maternal mortality rate and achieving universal access to the reproductive health care.

Manisha Bhatia


Fiinovation – Keeping Human Solidarity Intact – Fiinovation

Fiinovation – India has been seen so many lives lost due to communal violence, even after the government taking stringent action against violators of peace. India is a diverse country with so many religions, languages, cultures, faiths etc. Difference of ideology, thoughts and beliefs has led to riots more often than not. Sardar Patel the Iron man of India, united the country together and made this one nation. We Indians should value his contribution and live in peace and harmony. As the country continues to grow despite of these small hindrances that keep occurring from time to time reminding us that the path of violence will not leave a legacy of peace, prosperity and growth for the future generations.

Fiinovation is research based organization working for NGOs in developing projects that are being implemented across the country. The objective is to eradicate poverty and work for development of marginalized sections of the society. Fiinovation understands that development of a place cannot happen in isolation. It is important to target each and every community in a given area and involve all the communities in the development agenda to work together for the common goal. Solidarity is one of the human values that should be kept intact and should underlie relation between individuals.

All the development goals that are to be achieved couldn’t be done by a single person or nation’s contribution. All of them are shared responsibility and everyone should participate for the betterment of everyone. Solidarity is the key to bridge the gaps of the development goals and reduce the number of people affected by poverty, malnutrition, diseases etc. Every individual has a role to play in overcoming the economic, political and social challenges and work towards sustainable future of all. All the costs related to developmental issues and all the benefits should be shared among all. Government and other related to providing security to the people should make sure that there is social justice and peace is been maintained at all level. Unrest at any part of the world can affect harmony of another part of the world, we are connected in such way today.

Together we can maintain Peace and Solidarity in the world.

Together we can maintain Peace and Solidarity in the world.

Together we can maintain Peace and Solidarity in the world.

Innovative Financial Advisors


To Build a Nation that is Corruption Free – Innovative Financial Advisors Pvt. Ltd.

“A man who has never gone to school may steal a freight car; but if he has a university education, he may steal the whole railroad.” ― Theodore Roosevelt

Corruption is prevalent all over the world and is a social, political and economic complex trend. It slows the economic growth, leads to instability in the government and undermines democratic institutions. Corruption acts in distorting electoral process in a democratic setup, alters the rule of law and creates bureaucratic predicament that encourage bribes. It hampers economic development of a region as foreign investors hesitate in investing and small businesses dry up due to increased costs because of corruption. Innovative Financial Advisors Pvt. Ltd. believes corruption is an obstacle towards achievement of the Millennium Development Goals and needs to be taken into account in defining and implementing a vigorous post-2015 development plan.

In the year 2011, India saw an uprising to make the country corruption free. It all started on April 4th 2011 when protestors gathered at Jantar Mantar, New Delhi with an intention to bring a strong legislation and enforcement against perceived widespread political corruption. The anti-corruption crusader Anna Hazare began fast unto death from 5th of April and the movement gain a stupendous momentum. It brought millions of people on to the street, from Delhi to Bangalore, Kolkata to Mumbai there were protests in 52 cities of the country. The movement was a Gandhian one and included marches, hunger strikes, civil disobedience. Social media played a crucial role in creating awareness and mobilizing people for the movement to sustain.

The government used all its tricks to stop the movement and Hazare was captured and sent to Tihar jail. When asked by a reporter as how can he continue the protest despite prohibitory orders by the government, he replied saying “how can the government stop anyone from protesting? The land is not their ‘father’s property’. The citizens are the masters of this country and the ministers are their servants”.

Several opposition political parties, BJP and CPM supported Hazare and urged the government to take his fast seriously. However, there was no result to the movement and the bill is yet to be passed by the government of India. The movement also saw emergence of Arvind Kejriwal a member of team Anna who was detained along with Anna Hazare. Arvind and Anna moved apart in 2012, the former went on to establish a political party named as Aam Admi Party while the latter continued the movement. The Aam Admi Party took the national capital by storm and shocked the nation by winning 28 seats out of 70 in the 2013 Delhi Assembly elections. The party also received majority of the vote share with more than 30% of the voters voting for them.

Innovative Financial Advisors Pvt. Ltd. believes that strong and effective measures are required to make the nation corruption free. Transparency and willingness to set an example in front of the world is necessary. Innovative Financial Advisors Pvt. Ltd. always strives towards providing greater transparency to all its associates.

Written By

Rahul Choudhury

Innovative Financial Advisors Pvt. Ltd.


World’s Indigenous People 2013

The General Assembly of United Nations on 23rd December 1994 first proclaimed that every year 9th August will be celebrated as the International Day of the World’s Indigenous People for decade (1995-2004). On 20th December 2004 it was decided in New York, Geneva and other UN offices of the United Nations the second decade of International Day of Indigenous People will be continued to be observed. The General Assembly asked the Secretary-General to support the Day and to encourage the governments to observe the Day at national level from within existing resources.

The Theme of the second decade is “Indigenous peoples building alliances: Honouring treaties, agreements and other constructive arrangements”. The 19th commemoration will be held in New York on Friday which will be organized by the Secretariat of the Permanent Forum on Indigenous Issues DSPD/DESA, the United Nations Department of Public Information, and the NGO Committee on the Decade of the World’s Indigenous Peoples.


It is celebrated to highlight the importance of honouring treaties, agreements and other constructive arrangements between countries, states, its citizens and indigenous peoples. By establishing new ways to live together, respecting one another and cooperating in the pursuit of common goals as both indigenous and non indigenous people have a pivotal role in making treaties in their own communities.

The Six areas which are mandated by the United Nations Forum for Indigenous Issues includes Economic and Social Development, Culture, Environment, Education, Health and Human Rights. In addition to this focus is also there on other cross cutting themes like gender and indigenous women, children and youth, millennium development goals and data and indicators.

On September 13, 2007 the UN General Assembly adopted the Declaration on the Rights of Indigenous Peoples which came as result of more than twenty years of work by indigenous peoples and the UN system. The declaration was adopted by majority votes by 144 states, only 4 states (Australia, New Zealand, Canada and United States) voted against and 11 abstentions (Azerbaijan, Bangladesh, Bhutan, Burundi, Colombia, Georgia, Kenya, Nigeria, Russian Federation, Samoa and Ukraine).

The General Assembly decided, through its resolution A/RES/65/198 of 21 December 2010, to organize a high-level plenary meeting of the General Assembly in 2014, to be known as the World Conference on Indigenous Peoples.

There are over 370 million indigenous peoples living in 90 countries across the globe.


4,536 Dams without Emergency Action plan

Today everyone is debating the catastrophe that struck Uttarakhand but there are more than 4500 structures in the nation which are at high risk and doesn’t have contingency plan to counter the effects of the natural disasters. It is high time that the planners of the country to act to save the rendering area and property vulnerable to cascading effects of dam failure. Most of the rivers have been flowing above the danger mark and it seems a strong flood control measures are missing in the country.

In May 2006 the Central Water Commission issued guidelines for development and implementation of emergency action plan which has been ignored till date. It seems the water resources ministry’s guidance has been ignored till date and no lessons has been learnt by the state governments. However, the better solution to this problem should have been a centralize solution rather than state initiatives. Only eight states till September 2011 have prepared emergency action plan for 192 large dams in the country among 4728 large dams. If the states continue to ignore solutions for any reason whether economical development or casual approach towards environmental issues it is bound that a large number of people will be affected due to natural disaster in the coming years. The disaster management of this country should be made more proactive and effective than what it is now. Many also feel that disaster management should be part of the army as they are the ones which the country looks up to when a catastrophe is struck.

Approximately 96% of the countries dams don’t have any contingency plan or emergency plan for controlling floods keeping a huge area and property vulnerable to disasters. According to the audit report prepared by the Comptroller and Auditor General which was tabled in the Parliament in April 2013 it has been found that majority of the dams are at high risk despite efforts in setting up institutions and creating funding arrangements, there are critical loopholes in the preparedness status for various disasters. The authority responsible for sending first information regarding flood forecasts is Central water commission as the Crisis Management Plan of the Public Accounts Committee report points out. While the PAC is currently examining the disaster management plan after all that happened in Uttarakhand. The flood prone areas in the country like Assam, Bengal, Bihar etc. should be dealt in much cautioned way. So many people are internally displaced due to natural disasters who face severe distress due to lack of food, shelter and drinking water as there is no proper mechanism to tackle the aftermath of natural disasters in the country. The government should be answerable to its people that why we become so helpless when it comes to analyzing the damage and be prepared for it. We are on our way towards economic development but development cannot be snatched at the cost of environment and societal issues.

A developed nation is a nation which is capable of providing security, safety and basic necessities during any catastrophe. We cannot call ourselves developed if so many people go missing in Uttrakhand due to cloud bursts when there is technology available to be prepared for it. So many dams are at risk is clear indication of the lethargic approach of the state and central governments which due to their vote bank politics keep avoiding environmental norms while so many Indians keep losing their life and property. This can also be proved when we see the Crisis Management Plan prepared by the Water Resources Ministry every state should have a Dam Safety Organization to address the safety issues of large dams in every state. By the end of July 2012 only 14 states had prepared DSO. Reports keep saying the same old story of inefficiency in implementation of various projects across the country.

It’s high time when people should hold the policymakers accountable for their inefficiency in order to improve the condition of the country.

china dam--621x414

Role of Cooperatives in the Indian Economy – 6th July International Day of Cooperatives

The role of cooperatives in the Indian economy has been there since a long time mostly in Agriculture and allied sectors. The cooperative movement was found by farmers to be a striking mechanism for gathering their resources for solving common problems relating to credit, supplies of inputs and marketing of agricultural produce. Cooperatives became an integral part of five year plans for faster removal of poverty and faster economic growth. India has a large number of cooperatives in various sectors but the scenario is not a pleasant one and very few especially in Dairy sector have been a success.

The cooperatives are more focused in welfare rather than being business oriented. They are mostly controlled by the state and are more arms of the state than business enterprises. The failures which attributed to the downfall of this movement are dormant membership and lack of active participation of members, increasing overdue in credit, lack of mobilization of internal resources, over-dependence on government assistance, lack of professional management, bureaucratic control and interference in the management and political interference.

Cooperatives and other various forms of community enterprises are already present in the economic structure, especially in the developing countries. Nevertheless, the benefits of co-operatives cannot be realized without giving due importance to gender inequality. Developing cooperatives of women groups helps in building membership, capacity of the women in the rural areas and is essential for increasing work participation. The regions where programs are being implemented for empowerment of women, they should be made aware of the benefits of creating women cooperatives or becoming members of existing ones. The members of the cooperatives should be made aware of the rights, roles of members and they should be sensitizing cooperative members and leaders to issues pertaining to women rights.

The prices of commodities are rising day by day and women find it necessary to form cooperatives to address the problem of inflation and also the problem of adulteration which is an emerging social danger. The utilization of women workforce for productive purposes under the cooperative movement in India, this will definitely boost the National Income and help our nation achieve social development.     

The way forward will be giving this movement suitable legislation and policy support like centralization of the cooperative act. NGOs should take cognizance about the prevailing situation and take necessary steps to improve the condition of the cooperatives. Decreasing the dependency on government assistance and making way for private donors who will create an effective business environment. Bringing in technical expertise and professional management into the cooperatives will boost the sales and decrease their credit overdue. It will strengthen the concept of cooperatives when private donors take the center stage and decrease the bureaucratic control and interference.


Donate Blood – Nothing you lose; saves one’s life.

Every year the world comes together on June 14 to celebrate World Blood Donor Day. This year the World Health Organization is celebrating the 10th anniversary of World Blood Donor Day with a slogan for this year “Give the gift of life: donate blood”. World Health Organizations aims to achieve 100% supply of blood in all countries from voluntary unpaid donors (Melbourne Declaration). The declaration recognized the need for a sustainable blood supply by increasing the number of voluntary donors who donate regularly. It also thanked the donors and recognized the importance of protecting them. It also recognized the fact that achieving the Millennium Development Goals of reducing child mortality, improving maternal health and combating HIV/AIDS, malaria and other diseases is dependent on safe transfusion and sustainable blood supply. The reasons for the demand for blood differ in low income countries and high income countries. Blood is required to treat anemia in children under 5, and to manage pregnancy related complications in the lower income countries especially the African nations where as in developed nations blood is required in cardiovascular and transplant surgery, cancer treatment etc. In many countries, there is not an adequate supply of safe blood, and blood services face the challenge of making sufficient blood available, while also ensuring its quality and safety.
Every year around 107 million units of blood are collected from donors globally. The optimistic aspect about the collections is that as much 50% of the blood donations come from countries with high income group which is home to only 15% of the world’s population. Imagine a day where blood donations are collected from 50% of the world population. So many lives can be saved and the Melbourne declaration can be achieved easily. Today 73 countries around the world have to collect more than 50% of their blood supply from family/replacement or paid donors. We accept the fact that blood donation varies from income group, still WHO is striving hard in association with countries to encourage voluntary blood donations. However, only 62% of the countries have specific legislation covering the safety and quality of blood transfusion.
France the host nation for this year is supporting this cause since the 1950s and is self sufficient in voluntary blood supply. However, Sri Lanka which will host the World blood donor day 2014 has remarkable achieved the feet within just 10 years. The percentage of voluntary blood donations has grown from 39% to 97% since 2003. Sri Lankans say that because most of them are Buddhists that’s why blood donation is religiously and culturally accepted and very much a valued concept. The approaches that Sri Lanka has taken towards this initiative are that they encourage blood donations on full moon day in schools, temples, universities. Other innovations include facebook page, free CPR training and card system (silver/gold/platinum).
The blood donation performance in India is comparatively poor with only 10-20 persons donating blood among 1000 persons. We as Indians need to think about the blood requirements and try and save every life which is at risk due to non-availability of blood to transfuse. It’s very obnoxious that many die in India because we don’t even have 10% of the population donating blood which can save millions of lives. That’s why today we ask you some straight forward questions, when is the last time you donated blood? Or when is the last time someone you know donated blood?
Help save lives, encourage everyone along with yourself to donate blood.