Lost in Suburban Bangalore, Part 3: BR Pura

I went on my second slum tour the other day, to BR Pura. It’s actually some sort of much larger name, but it’s abbreviated and spoken as BR Pura. The Indians may have really long names, but they aren’t shy about abbreviations and initials. Some famous actors and politicians are simply known by two initials and a last name.

Anyway, this one was much closer than Channapatna, so Sanju just dropped me off at it. Again, I was on the back of a two-wheeler, this time with a 250-300lb woman up front in place of Mr. Kumar. Sanju said this would’ve made the perfect profile shot for Facebook, but sadly, I wasn’t thinking of that. We headed off and wound around some country roads before arriving at the first house.

These slums in BR Pura weren’t really even slums, though, which was sort of anticlimactic. Channapatna was definitely worse. Of the five houses I visited, at least 3 had TVs, and one seemed nice enough to live in, with a washing machine to boot. The houses this time were all well-molded concrete, rather than the lumpy, slanty clay of Channapatna. There was even a school. At about 1:00, the streets were full of kids in uniforms, and one of the meetings was right next to the playground during recess for, I’ll say, 3rd or 4th graders. Several women were late to the second meeting because they were stuck at their jobs. Whereas in Channapatna I had no idea what people did with their time, these women (not dressed all in black this time) had what seemed to be stable jobs.

So this wound up being more of a neighborhood tour than a slum show. But I actually really appreciated that aspect of this. I don’t know what any of these women were actually using the money for, but it could’ve been a lot of things. Most of us think of microfinance as lending to women to buy a sewing machine, but here a lot of it is just basic household loans. Some use the money to send their kids to school, and I was told of at least one person who’d bought a two-wheeler with Ujjivan providing the credit. Which is, really, exactly what we’d use loans for. Most Americans are repaying loans, be they student loans, car loans, or a mortgage. Access to credit is a necessity. Microfinance just brings that access to the destitute, as in Channapatna, and the lower class, as in BR Pura. It is somewhat jarring to think that even somewhat well-to-do, employed people can’t get credit, even in a country with a state bank. You could make a pretty good argument that the poor stay poor just because they can’t borrow at reasonable rates, and that access to banking services is one of the third world’s most critical needs. Think of all that we can do because of loans that we couldn’t otherwise do. Think of how many rungs we would drop on the social ladder if we had to pay cash up front for college, housing, and cars. That’s how many rungs we can raise people through loans.

The women at the last meeting apaprently really wanted to talk to me, but we had nothing close to a shared language. One was able to yell “sir! Hello!” at me, which worked. Couldn’t exchange many ideas that way. Honestly, I wanted to ask them why the hell they like the Chicago Bulls so much, since I’d seen more motorcycles in BR Pura with Bulls stickers on them. For a country that plays no basketball, they do like the Bulls. Maybe they’re just into surplus 90s memorabilia. My mom speculates that it's a Hindu thing, what with the cow worship and all. Could be right.

When we were done, we stopped at a small... convenience store food stall thing... to split a pack of biscuits and some juice. Don’t worry-–it was a juice box. The guy behind the counter started talking in Kanada, and I picked out Obama. He saw me and mentioned about Obama coming to visit India. A couple days later, I was with some friends here, and one was unaware of Obama’s coming visit. So he’s beaten on current events by... the biscuit/juice guy in BR Pura.

On the way back, I couldn’t find a rickshaw to take me all the way to Koramangala, our neighborhood which is on the opposite end of town. I was able to, however, get one to take to MG Road (super bonus points if you can figure out what MG stands for... don’t overthink it). MG Road is a sort of downtown, although this town has many. It’s near the Tibetan Marketplace where I bought my phone, and is a haven for beggars who have no qualms with leaning inside your rickshaw and touching you (I carry sanitizer, don’t worry). From MG Road I got another rickshaw back to Koramangala, all for about $3 US. That’s pretty much all the way across Bangalore. Meat and milk are expensive in this country, but sweet Jesus are the services cheap.


Note: To repeat, I’m not working in microfinance. Sanju used to work for Ujjivan and set up these tours for me. That’s my only connection to this industry.