Low-Income Low-Income EntrepreneursEntrepreneurs Who Work Extremely Hard Who Work Extremely Hard(2014 CGAP Photo Contest)(2014 CGAP Photo Contest)

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The annual CGAP Photo Contest, which was launched in 2006, aims to

highlight stand-out photography depicting financial inclusion around the

world. Through strong photography, CGAP showcases the different ways

in which poor households manage their financial lives and raises

awareness about the importance of formal financial services for people at

the base of the economic pyramid.

-- CGAP

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First Prize: Cormorant FishermanChina

Photo by Soh Yew Kiat

While there aren't many practicing cormorant fishing these days, this man continues his family's legacy

as a cormorant fisherman. He became an entrepreneur as a local tour guide for the many travelers who

visit the area each year.

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Second Prize: Gramophone RepairTurkey

Photo by Bulent Suberk

This photo was taken in a grand bazaar in Istanbul. This old man still maintains a gramophone repair shop

and earns a decent living. Gramophone repair was also his father's profession.

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Third Prize: SmallholderTanzania

Photo by Hailey Tucker

Anjelica helps harvest Beatus Balama's farm in Ndiwili, Tanzania. Beatus farms with One Acre Fund, a social

enterprise based in East Africa that supplies smallholder farmers with the financing and training they need to grow

their way out of hunger and poverty. "I like One Acre Fund because we can pay little by little over time instead of

all at once for our planting supplies," Beatus says.8

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People's Choice: Golden DuskIndia

Photo by Vishal Singh

A boatman provides sightseeing to the tourists who come to visit Konark Beach in Odisha, the poorest state in

India. An NGO has provided him with a small boat which affords him his livelihood and ability to support his

family.

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Latin America and Caribbean Regional Winner: Brick MakerPeru

Photo by David Martin Huamani Bedoya

This man lives in a neighborhood where more than 200 families live dedicated to brick manufacturing. They sell

their bricks to individuals or companies who want to have bricks at a lower cost.

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East Asia and Pacific Regional Winner: Ship PorterIndonesia

Photo by Ekho Ardiyanto

A worker carries sacks of onions from a ship to a track to be transported to the port of Makassar Paotere. Age is no

longer a barrier to working. This father was forced to work as a porter for his wife and children are still in school and

earn very low wages.14

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Middle East & North Africa Regional Winner: Fish Net WorkerUnited Arab Emirates

Photo by by Mary Grace Montives

Fish net workers are common in the UAE. Every morning, they are busy fixing their nets in order to prepare for

another possible catch.

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South Asia Regional Winner: The Watch MakerIndia

Photo by Suvanker Sen

This man is 61 years old. Watch making and repairing is a family business which he has managed for over 30 years.

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Sub-Saharan Africa Regional Winner: Active FishingTogo

Photo by Roberto Huner

On the coast of Togo, these men partake in active fishing with large nets released near the shore that are then

pulled onto the beach by the strength of dozens of young men joined in a cooperative. The fish caught in the net

are often scarce and of small size at the expense of their hard daily work.

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Special Mention: School TailorMozambique

Photo by by Rafael Hernandez

A tailor for a secondary school races against the sun to sew the last school uniform of the day. He uses his skills

to help the students, but also sews for other small businesses to earn his livelihood.

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Special Mention: The WeaverIndia

Photo by Utpal Das

This man runs a small handmade textile factory in West Bengal, India.

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Special Mention: TraditionalVietnam

Photo by Tran Dinh Thuong

This woman handles delicate ceramics at a pottery kiln to earn her daily wage.

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Rice HarvestingVietnam

Photo by Luis Sanchez Davilla

A family involved in rice harvesting operations in North Vietnam.

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Mining ManIndonesia

Photo by The Eng Loe Djatinegora

This man work in the hills to cut and mine calcium stone and sand that are sold as building materials.

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Vakul WeaverThe Philippines

Photo by Carlo Zamora

An 80 year old woman weaves vakul, a protective shield that is sold and used as protection from rain, sun and heavy

wind.

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The Power of GroupIndia

Photo by Vikash Kumar

Groups have played a very significant role in the success of microfinance. It has also become a major tool of female

empowerment across many developing countries.

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Brick Factory WorkerIndia

Photo by Partha Sarathi Dalal

A small brick factory is formed with the help of a rural bank. The brick

factory is helping local people with work, as well as helping financial and

industrial development.

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Energy to WorkBangladesh

Photo by Mohammed Abdul Motin

This man works long hours in a factory where he has worked for years. His wage has slowly increased, but he still

struggles to be financially independent.

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PotterVietnam

Photo by Huylinh Nguyen

Despite losing an arm, this man still makes pottery and supports his family.

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To the MarketVietnam

Photo by Tuan Kiet Pham

Each day, these women traverse the dunes to reach a market to sell their products.

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Searching for FortuneIndonesia

Photo by Suryo Ongkowidjaja

This man works on a limestone mountain in a small town. He works using

a hammer and crowbar to scrape the limestone to make brick for local

homes.

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Mother and SonIndia

Photo by Nitai Mondal

A small child engages with new technology, hopefully developing new knowledge and skills, while his mother is working her

traditional daily job.

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Together We Are StrongIndonesia

Photo by Suryo Ongkowidjaja

These men work hand in hand to put this ship's rope to the pier. In this area, metal ships are deconstructed and

metal scraps are recycled.

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Happy TogetherVietnam

Photo by Truong Minh Dien

This couple has led the profession of weaving baskets for generations. Everyday when they are done,

they bring the baskets to the market to sell.

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Let Us ExploreIndia

Photo by Srimanta Ray

This man lives in a very small village in Tripura where people earn their living by working on others’ fields or by

cultivating their own crop. Here, a man carries his bundle of crops.

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Fish DryingIndonesia

Photo by Suwardi

Thin fish is one of the typical foods in the city of Tarakan, Indonesia. In Tarakan, many city residents

depend on fishing for their livelihood.

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Father and SonVietnam

Photo by Le Minh Quoc

This father and son engage in fishing as way to earn their livelihood.

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Basket CraftsmenIndonesia

Photo by Hadi Setia Dharma

A family of basket craftsmen make around 15 baskets a day for their living.

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Hand WeavingVietnam

Photo by Thao Vu Xuan

Hand weaving is the traditional job of the Cham people in this area of Vietnam. In most villages, you can

buy scarves, sarongs and clothes made by Cham women.

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RecyclingBangladesh

Photo by Probal Rashid

Once dried, these plastic pieces will be sold to plastic manufacturers. Thousands of poor men and women collect

and recycle plastic to earn their living.

11/22/2014 王文堯 Kaohsiung Taiwan R.O.C All photos were taken from CGAP. THE END62