2013 CGAP Photo Contest

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A woman crosses the street in the rain.
1 of 30
First Prize: Rainy Afternoon
Vietnam

Photo by Truong Minh Dien

A woman transports potatoes to a local market. Her earnings help feed two children and her husband. After a sunny day, the rain poured down suddenly. 
 

Photo by Truong Minh Dien. A woman transports potatoes to a local market. Her earnings help feed two children and her husband.
A man carries newspapers in his hands and on his head.
2 of 30
Second Prize: Paperman
Bangladesh

Photo by Md Farhad Rahman

This man earns an income selling daily papers in a railway station. Selling papers is a common form of self-employment in Bangladesh. These local paper sellers sell their papers in most of the transportation hubs in different cities using unique ways of presentation.
 

Photo by Md Farhad Rahman. This man earns an income selling daily papers in a railway station. Selling papers is a common form of self-employment in Bangladesh.
Two men pour grain into bins.
3 of 30
Third Prize: Double Curves
Mali

Photo by Chi Keung Wong

These men work in the rice wholesaling market of Bamako.
 

Photo by Chi Keung Wong. These men work in the rice wholesaling market of Bamako.
A women painting.
4 of 30
People's Choice Prize: Talented Nesma
Egypt

Photo by Mohamad Gouda

This woman manages her painting and embroidery business via a microfinance loan. She has been able to invest in the production of handicrafts such as hats, dishes and amulets which she sells to earn a stable income.
 

Photo by Mohamad Gouda. This woman manages her painting and embroidery business via a microfinance loan.
Men working at a tire production factory.
5 of 30
Sub-Saharan Africa Regional Winner: New Tread
Tanzania

Photo by Pauline Opmeer

In Tanzania, there is a high demand for rerubbered tires thanks to the high prices and bad quality of the Chinese imported tires. In this photo, men are fixing a tread to an old tire. A good price can be asked so they can earn a decent income.
 

Photo by Pauline Opmeer. In this photo, men are fixing a tread to an old tire. A good price can be asked so they can earn a decent income.
Men load a truck with oranges.
6 of 30
Latin America and Caribbean Regional Winner: Men and Oranges
Brazil

Photo by Luiz Grillo

The São Joaquim Market is the largest flea market in the city of Salvador and more traditional for the low-income population. It is the main distributor of clay handicrafts, products to Candomblé rituals, plus fruits, vegetables, meat, clothes, and other products. Here, workers are supplying a truck with oranges that will be distributed to other regions.
 

Photo by Luiz Grillo. The São Joaquim Market is the largest flea market in the city of Salvador and more traditional for the low-income population.
A man transports bricks
7 of 30
South Asia Regional Winner: Bricks Worker
Bangladesh

Photo by Moksumul Haque

A private enterprise worker is working at a brick field. These small businesses are creating new job opportunities for many poor people.
 

Photo by Moksumul Haque. A private enterprise worker is working at a brick field. These small businesses are creating new jobs for many poor people.
Women travese sand dunes carrying fishing nets.
8 of 30
East Asia and Pacific Regional Winner: The Gold Life
Vietnam

Photo by Vo Chi Trung

This beautiful area used to be the Panduranga capital of the Ancient Champa Kingdom. These women cross the sand dunes to the beach for fishing every morning.
 

Photo by Vo Chi Trung. These women cross the sand dunes to the beach for fishing every morning.
A man repairs a shoe in his shop.
9 of 30
Europe and Central Asia Regional Winner: Shoe Repair Shop
Turkey

Photo by Bulent Suberk

This man is 84 years old and still manages a shoe repair shop which affords him a decent income.
 

Photo by Bulent Suberk. This man is 84 years old and still manages a shoe repair shop which affords him a decent income.
A woman sits against a wall weaving.
10 of 30
Special Mention: Sabina
Bolivia

Photo by Wim Opmeer

Comunidad de Aymaras Urbanos de Pampajasi (CAUP) is an organization that is taking care of the old women in La Paz. This woman is spinning wool for clothes which are sold in tourist shops to provide income for the housing of the elderly.

Photo by Wim Opmeer. This woman is spinning wool for clothes which are sold in tourist shops to provide income for the housing of the elderly.
A man carefully printing something on paper.
11 of 30
Special Mention: Press Man
India

Photo by Soumya Shankar Ghosal

A press man is hard at work in his shop in rural India. He operates a small printing business that earns him sufficient money to support his family.

Photo by Soumya Shankar Ghosal. A press man is hard at work in his shop in rural India.
A man lays colored fabric down to dry.
12 of 30
The Washerman
India

Photo by Rabin Chakrabarti

After washing, cloths are laid down for drying, ultimately to be sold to help this man earn an income.  

Photo by Rabin Chakrabarti. After washing, cloths are laid down for drying, ultimately to be sold to help this man earn an income.
A woman works in a pottery factory.
13 of 30
Production of Ceramic
Vietnam

Photo by Van Bang Vo

This woman was able to establish this small craft workshop through the government's financial assistance.

Photo by Van Bang Vo. This woman was able to establish this small craft workshop through the government's financial assistance.
A woman smiles as she transports a box on her head.
14 of 30
The Microsmile
Uganda

Photo by Oddvar Paulsen

This woman is on the way to a weekly meeting with other members of a community-managed savings group. 

Photo by Oddvar Paulsen. This woman is on the way to a weekly meeting with other members of a community-managed savings group.
Men place maize into a machine to grind it.
15 of 30
Maize Grinding
Uganda

Photo by Mohammad Saiful Islam

Maize is one of the most popular and principal food items in Africa. In most parts of Africa, people cultivate maize collectively and after harvesting they process collectively, as well. By cultivating maize, they live their lives and provide food to the rest of us.

Photo by Mohammad Saiful Islam. Maize is one of the most popular and principal food items in Africa.
A man sits on a boat as a train passes behind him.
16 of 30
Destination
Bangladesh

Photo by Forhad Kamaly

Fishing is a primary source of earnings for this man in Bangladesh.

Photo by Forhad Kamaly. Fishing is a primary source of earnings for this man in Bangladesh.
Women construct bicycles in a factory.
17 of 30
Cycle of Life
Bangladesh

Photo by Mahfuzul Hasan Bhuiyan

Women's involvement in cycle making and other industries is increasingly important in helping the Bangladeshi economy.

Photo by Mahfuzul Hasan Bhuiyan. Women's involvement in cycle making and other industries is increasingly important in helping the Bangladeshi economy.
A group of men at a steel factory.
18 of 30
Ment at Work
India

Photo by Joydeep Mukherjee

Together, some young people started a business with small loans from a bank to produce and supply iron pipes for production purposes to big industries.

Photo by Joydeep Mukherjee. Some young people started a business with small loans from a bank to produce and supply iron pipes for production purposes.
A man talks on the phone at a camel trading event
19 of 30
Camel Trader
India

Photo by Rabin Chakrabarti

Microfinance plays a big role in this camel trader’s life. He has recieved a loan to trade and buy camels at the Puskhar Fair.

Photo by Rabin Chakrabarti. Microfinance plays a big role in this camel trader’s life. He has recieved a loan to trade and buy camels at the Puskhar Fair.
A woman smiles with soap atop her head.
20 of 30
Soap
Burkina Faso

Photo by Ben Warren

A microcredit borrower in Yagma, Burkina Faso proudly displays her new product. The woman is part of a seven strong lending group engaged in soap production. The group was given a grant for a mixing machine and press by the local church, and a loan for raw materials and mixing trays by the local microfinance institution Action Grace Divine (AGD).
 

Photo by Ben Warren. A microcredit borrower in Yagma, Burkina Faso proudly displays her new product.
A man harvesting lemon verbena.
21 of 30
Sieving Lemon Verbena
Paraguay

Photo by Wim Opmeer

A cooperative is helping the farmers in this region to improve their production of lemon verbena and lemongrass. It also provides new markets for the farmers which has changed the farmer’s lives.

Photo by Wim Opmeer. A cooperative is helping the farmers in this region to improve their production of lemon verbena and lemongrass.
A man travels through water hyacinth on a boat.
22 of 30
Crafting Path
Bangladesh

Photo by AM Ahad

A boatman tries to make his way through water hyacinth. Water hyacinth has hampered the movement of boats on the river.

Photo by AM Ahad. A boatman tries to make his way through water hyacinth. Water hyacinth has hampered the movement of boats on the river.
A man creating a pot out of clay.
23 of 30
Potter
Turkey

Photo by Erkan Kalenderli

This potter in the city of Konya is continuing his family business with help from a microloan. This opportunity enables him to proudly sustain his family and also maintain the cultural heritage of his family history.

Photo by Erkan Kalenderli. This potter in the city of Konya is continuing his family business with help from a microloan.
A woman holds an egg under a light.
24 of 30
Eggs Vendor
The Philippines

Photo by Danilo Victoriano Jr.

This vendor sorts duck eggs that have been fertilized or are developing duck embryo to be cooked. The eggs are then used in popular foods that are sold as street food.  

Photo by Danilo Victoriano Jr. This vendor sorts duck eggs that have been fertilized or are developing duck embryo to be cooked.
A woman waves and smiles from her small boat.
25 of 30
Wave of Happiness
Thailand

Photo by Roger Alfonso

A woman earns a living by selling porridge out of her floating market.

Photo by Roger Alfonso. A woman earns a living by selling porridge out of her floating market.
A man tends to his fishing nets as the sun shines through.
26 of 30
New Day, New Nets
Vietnam

Photo by Tran Bao Hoa

This man tends to his fishing nets in the early morning hours. He sells his catch at local markets later that day.

Photo by Tran Bao Hoa. This man tends to his fishing nets in the early morning hours. He sells his catch at local markets later that day.
A woman holds coins in her hands.
27 of 30
Coins
Bangladesh

Photo by Zakir Hossain Chowdhury

This woman unloads coil from cargo ships, earning 1 coin for every load. The coin value is 1 taka and every day she has to earn between 120-140 coins to earn a living. During lunch time, this woman counts her coins with hope that she earned enough.

Photo by Zakir Hossain Chowdhury. This woman unloads coil from cargo ships, earning 1 coin for every load.
A carpenter uses a saw.
28 of 30
Carpenter
Vietnam

Photo by Bao Giang Tran

This carpenter is one of the only handymen in his village, thus demand for his services are high and his income is steady.

Photo by Bao Giang Tran. This carpenter is one of the only handymen in his village, thus demand for his services are high and his income is steady.
A man presents dried fish to sell.
29 of 30
Successful Business
Sudan

Photo by Kelly Ranck

After joining a World Concern savings group, Marco Akot was able to open his own dried fish shop in the rural South Sudanese village of Lietnhom. After taking out a loan from the savings group, Marco was able to expand his business by hiring other fisherman and focusing on expanding his home garden.

Photo by Kelly Ranck. After joining a World Concern savings group, Marco Akot was able to open his own dried fish shop in this rural South Sudanese village.
A group of women present their electronic devices.
30 of 30
Innovation of Microfinance
India

Photo by Sudipto Das

Women agents of a microcredit institution show their daily collection which is recorded in an electronic device. A microcredit initiative that took off about 17 years ago has empowered over 24,400 women in this block about 80 kms away from Kolkata, transforming their economic and social status.

Photo by Sudipto Das. Women agents of a microcredit institution show their daily collection which is recorded in an electronic device.
  • A woman crosses the street in the rain.
  • A man carries newspapers in his hands and on his head.
  • Two men pour grain into bins.
  • A women painting.
  • Men working at a tire production factory.
  • Men load a truck with oranges.
  • A man transports bricks
  • Women travese sand dunes carrying fishing nets.
  • A man repairs a shoe in his shop.
  • A woman sits against a wall weaving.
  • A man carefully printing something on paper.
  • A man lays colored fabric down to dry.
  • A woman works in a pottery factory.
  • A woman smiles as she transports a box on her head.
  • Men place maize into a machine to grind it.
  • A man sits on a boat as a train passes behind him.
  • Women construct bicycles in a factory.
  • A group of men at a steel factory.
  • A man talks on the phone at a camel trading event
  • A woman smiles with soap atop her head.
  • A man harvesting lemon verbena.
  • A man travels through water hyacinth on a boat.
  • A man creating a pot out of clay.
  • A woman holds an egg under a light.
  • A woman waves and smiles from her small boat.
  • A man tends to his fishing nets as the sun shines through.
  • A woman holds coins in her hands.
  • A carpenter uses a saw.
  • A man presents dried fish to sell.
  • A group of women present their electronic devices.