As previously mentioned I recently took a trip to the state of Gujarat to visit the original offices of SEWA. It was in the Gujarati city of Ahmedabad (also known as Amdavad) that Ela Bhatt started SEWA in 1972 when she became aware of work women were doing, within the informal sector, during the labor unrest at the local textile mills. At the time Ela Bhatt was working for a textile labor union, but she ended up starting SEWA as a subsidiary union.

A few years later SEWA struck out on its own. In the years since SEWA has become a real force within India as one of its largest unions and an important women's organization.
Because it's been there much longer SEWA is much different in Gujarat than it is in Delhi. In Gujarat the successes are highly visible, particularly at the SEWA Bank, but more about that below.
I went to Ahmedabad with Melanie, a fellow IU student and also an intern at SEWA. We started our journey on an overnight train in Third Class. We arrived a little road (or rail) weary, but excited. After checking into our hotel and getting lost a little bit we found the SEWA offices and met Binaben, the national coordinator for SEWA. Her job seems to include working on policy efforts and coordinates with the various states where SEWA is active. SEWA is active in 9 of the states in India.
(Just a note that you'll notice that the names of everyone we met in Ahmedabad ends with -ben. This is a suffix in Gujarati that means "sister." In SEWA everyone is addressed using either that suffix, or for the men -bhai, the male equivalent.)
Binaben explained that there are, in total, 123 trades represented by SEWA. This is so much bigger than we were aware of from our work in Delhi. Not only has our work only related to street vendors, but we were also told on our first day that SEWA in Delhi only works with four different trades – street vendors, construction workers, home-based workers, and domestic workers. It’s amazing to think that, in addition to those professions, SEWA is working with another 119 trades.

Our first day there we were scheduled to see the SEWA Bank. In fact, we attended the Annual General Meeting of the SEWA Bank. We had not been told ahead of time that it was going on, but Binaben mentioned it and gave us directions for how to get there. I thought it would be a small meeting of ladies discussing the bank. I sure was wrong. We got to the location and it was a theatre, filled with women. There must have been over 300 in attendance. When we first arrived there were various women going up on the podium to share their experiences with the SEWA Bank and its various services. Luckily, a woman, Shruti, who works at Friends of Women’s World Banking – India, was sitting near us and told us what the women were saying. The women included a third generation SEWA member, community organizers who provide education about loans, and a woman discussing how taking out and repaying a loan not only helps the individual, but also the collective because it is their bank. Finally, there was a women who got up to talk about a government policy against giving loans to people over the age of 55 and she and the Managing Director of SEWA, Jayshreeben Vyas, talked about how the SEWA Bank would determine who should get loans and that loans would be given to anyone who the bank thinks is able to repay it regardless of age.

After the testimonials there were elections for board positions. The women serve on the Board of Directors for three-year terms and they are allowed to serve up to three terms, or nine years total. Each of the 15 members of the board represents a different trade and is elected by the workers in that trade to represent their interests in the management of the bank. The women were very vocal in assenting, nominating, and voting for their representative. Renanaben was directing the process and she was also quite rousing. I’ve only seen her twice, around the office, so it was fascinating to see the spirited coordinator in her. She was great! Once all of the board positions had been filled the event ended with the entire theatre singing the SEWA song. I’ve hear about a dozen women singing it in various documentaries, but hundred of women all joining in song was very moving to witness.
After the Annual General Meeting was over we met up with Palaviben, who works at the SEWA Bank. Her job, at least in part, is to do financial literacy trainings. She gave us a lot of information about the bank. She told us that since its inception in 1974 it has a variety of services it offers its members. It started out as just a savings bank, but now it provides micro-credit, -pension, and -insurance services as well. There are also a variety of savings schemes so that the women can save for a house, for a special occasion, or even to buy gold and build their assets. SEWA Bank also provides non-financial services, according to Palaviben. These include financial literacy trainings, ATM access to funds, and business counseling training sessions. She also took us to see the Innovation Centre for the Poor that is housed in the bank. At this center the women can get information about saving money on electric bills. There is even a wall of various light bulbs with a voltage meter to show the women how different bulbs could save them money. The center also encourages women to do simple things like unplugging mobile phone chargers when the phone is charged and keeping windows open during the day to use natural light to do work by rather than using electricity. It’s really impressive how SEWA not only works with women throughout their life cycle, but helps them to save money in small ways also. SEWA really sees both the big and small pictures. It’s really inspiring to be a small part of an organization that is helping women in so many ways and making a real difference.

Before I went to Ahmendabad the thing about SEWA that I found most inspiring was the bank. I was so impressed with how the women got together and within a fraction of the anticipated time were able to save enough capital to start their own bank. These were women who often had to work today, to eat today, but they saved and started a bank in order to take more control of their financial destiny. By having their own bank they can take loans out there rather than having to use money lenders. The money lenders sometimes would charge more than 100% interest for a one day loan. The SEWA bank gives loans at 1-2% interest. This past year shareholders in the bank made 9% interest on their savings. Can you imagine finding that interest on an account in the US?! After actually seeing what the bank is involved in I was even more inspired that I had been based on what I'd been able to learn before. My favorite moment in visiting SEWA in Gujarat was one morning when Melanie and I were sitting outside the bank. A small group of women were walking towards the bank, very colorfully dressed. The were laughing and smiling, and seemed light on their feet. Each carries a small bag that presumably had the money they were going to deposit at the bank. It seemed to me that they had had their lives lifted up. The empowerment that SEWA offers its members was physically evident in them - they walked with confidence, power, and joy in their lives.