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In the inaugural list of top "promising young leaders and game changers" under the age of 30 in Asia from the prestigious <keyword id="6373044" type="CITY" weightage="100" keywordseo="Forbes">Forbes</keyword> magazine, <keyword id="487" type="PERSON" weightage="100" keywordseo="Sania-Mirza">Sania Mirza</keyword>, <keyword id="6354486" type="PERSON" weightage="100" keywordseo="Virat-Kohli">Virat Kohli</keyword> and <keyword id="30618" type="PERSON" weightage="100" keywordseo="Saina-Nehwal">Saina Nehwal</keyword> are leading the pack of over 50 Indians. 
 
The Forbes '30 under 30 Asia' list includes 300 "young and driven entrepreneurs and game-changers" from countries including India, Indonesia, China, Hong Kong, Singapore, Japan, Pakistan, Vietnam and Australia who are contributing to their industries in a significant way. 
 In this list, one would find 56 Indians, with Kohli, Mirza and Nehwal along with 26-year old Bollywood actress <keyword id="89958" type="PERSON" weightage="100" keywordseo="Shraddha-Kapoor">Shraddha Kapoor</keyword>. 
 
"At the top of India's crickculture is batting prince Kohli, who led India to clean sweep in their Twenty 20 series against Australia in January," Forbes said of Kohli. He was also named among India's highest earning celebrities in 2015, standing at USD 11.3 million. 
 
Talking of Mirza, Forbes said that she has been the "most successful female Indian tennis player ever" and one of the highest paid and highest profile athletes in the country. 
 
About Nehwal, Forbes described her as a "role model" and "Indian badminton queen". 
 
The list has a total of 10 categories, covering consumer technology, enterprise technology, arts, healthcare and science, media, social 
entrepreneurship, finance, industry and retail. 
 
Arunima Sinha, the first female and first Indian amputee to climb Mt Everest in 2013 and Chaitanya Tamhane, the writer and director of the critically acclaimed movie 'Court' also found place in the entertainment and sports category. 
 
Raghav Verma, the co-founder of Indian tea chain 'Chaayos', Mehul Agrawal, the cofounder of automotive e-commerce site 'Cars24' and online furniture store 'FabFurnish', Kanika Tekriwal, the cofounder of 'JetSetGo', Ritesh Agarwal, founder and CEO of 'OYO Rooms', Ankit Bhati, cofounder and CTO of 'Olacabs', Pooja Dhingra, owner and executive chef of 'Le15 Patisserie', photographer Vicky Roy, Advait and Akshat Gupt, cofounders of 'Supari Studios', Sattvik Mishra, CEO of 'ScoopWhoop Media', Manju Bhatia, joint Managing Director of 'Vasuli Recovery', Anshulika Dubey, cofounder and COO of 'Wishberry.in', Paras Chopra, founder and CEO of software company 'Wingify', Dinesh Goel, founder and CEO of 'AasaanJobs', Faith Gonsalves, founder of 'Integrated Development Education Association', Smriti Nagpal, the founder and CEO of 'Atulyakala', Chinmay Malaviya, cofounder and vice president of 'Foodpanda', Arun Chandru, cofounder and MD of 'Pandorum Technologies', Neha Sinha, cofounder and CEO of 'Epoch Elder Care' are the other names in the list. 
 
<a href="http://images.teamtalk.com/09/03/800x600/Sania-Mirza-Indian-Wells-2009_1997550.jpg">Image source</a>`

Sania Mirza, Virat Kohli and Saina Nehwal amongst 56 Indians in Forbes' Asia list

The indie-music scene is India booming and the direct result of that are the music festivals that have been cropping up, not just in the metros but tier-2 and tier-3 cities too. The music is varied; from integrating regional languages to mainstream pop music, to experiments with Indian folk music with western languages and genres, the audience has a lot of options, for every musical palate. 
 
With gigs happening with such fervor, the artists are benefiting; it’s no longer taboo to be a singer-songwriter as young bands from schools and colleges score an opportunity to showcase their talent. 
 
<a href="http://www.businessinsider.in/vh1-supersonic-2017-is-the-multi-genre-music-festival-you-should-be-attending/articleshow/57006545.cms">ALSO READ: Vh1 Supersonic 2017 is the multi-genre music fest you should be attending</a> 
 One such <keyword id="1244359" type="UNKNOWN" weightage="20" keywordseo="indie">indie</keyword> singer-songwriter from Mumbai raised two lakhs in under six hours of his <keyword id="990338" type="UNKNOWN" weightage="20" keywordseo="crowdfunding">crowdfunding</keyword> campaign, a feat that could’ve only been dreamt of in a country like ours where while the <keyword id="143" type="CITY" weightage="20" keywordseo="Bollywood">Bollywood</keyword> industry thrives, the independent <keyword id="6367711" type="UNKNOWN" weightage="20" keywordseo="Musicians">musicians</keyword> still struggle to get the limelight. 
 <keyword id="824043" type="COMPANY" weightage="20" keywordseo="Business-Insider">Business Insider</keyword> caught up with <keyword id="1355290" type="UNKNOWN" weightage="20" keywordseo="Tejas-Menon">Tejas Menon</keyword>, the man of the ‘music’ hour to chat about how crowdfunding an album makes sense for the musicians who want to ‘Make it happen’. 
 <keyword id="17256" type="PERSON" weightage="20" keywordseo="Menon">Menon</keyword> defines his music as ‘A range of influences including 80’s pop-rock, musical theater and adult-contemporary songwriters, developed into his unique style of lyric-heavy pop-rock.’ 
 The singer has played in popular music festivals like <keyword id="15277" type="PERSON" weightage="20" keywordseo="bacardi">Bacardi</keyword> NH7 Weekender, Kala Ghoda Arts Festival, and Mahindra Blues Festival and he is comfortable both with playing in a band and just by himself and his acoustic guitar. 
 
<a href="http://www.businessinsider.in/heres-how-you-could-become-a-filmmaker-at-kala-ghoda-festival-2017-with-snapdeal/articleshow/56998397.cms">ALSO READ: Here’s how you could become a filmmaker at Kala Ghoda Festival 2017 with Snapdeal</a> 
 
''For someone who released his first EP(Extended Play) ‘Small Victories’ in late 2014, I’m finally ready to do a full-length album called ‘Make it happen’ which will feature 10 songs. In the past two years, I did try to get a label on board for this but I felt that after performing all over the country, I’ll let the people who like my music help me out to do this by myself’’ he says, in an optimistic fervor. 
 
Taking the independent part to the next level literally, Menon believes that is easier than it has ever been to make a good album these days, however, good studios and album production still cost a great deal, wherein comes the crowd funding. 
 
 
 
The Campaign 
 Menon had started a campaign on the crowdfunding platform <keyword id="1927134" type="UNKNOWN" weightage="20" keywordseo="Wishberry">Wishberry</keyword>, which had an initial goal of Rs. 2 lakhs to be completed in 30 days, to fulfill costs like Studio Cost (Rs. 90000), Admin fees(Rs. 20000), Mixing (Rs. 50000), Mastering (Rs. 30000) and <keyword id="2426054" type="UNKNOWN" weightage="20" keywordseo="misc">Misc</keyword>. (Rs. 10000). As he’s hit the goal in under a day, the bigger goal has been set to Rs. 4 lakhs. 
 If he hits the new goal, <keyword id="6373601" type="PERSON" weightage="20" keywordseo="Vishal-Dadlani">Vishal Dadlani</keyword>, the frontman of one of the first indie bands, Pentagram will feature on his album for a song called ‘Kindness’. 
 
For the fans, by the fans 
 
The incentive for the fans here is multifold, as Menon has decided to use the funds to give out rewards in forms of a copy of an album, an artsy signed poster, a songbook with all the lyrics, a deluxe edition of the album due to release later in the year, free passes to his gigs and much more. 
 
The rewards increase with the contribution as the campaign allows you to fund the project either in categories, or you can also be the rogue one and contribute any amount without any expectation of a reward. 
 
Menon has already started working on the album and expects it to release by May, this year by when all the contributors can expect to start reaping the rewards that they’ve sown. 
 
Crowdfunding for the win 
 Menon isn’t the first artist to have crowdfunded his album, with artists like <keyword id="1144733" type="ENTERTAINMENT" weightage="20" keywordseo="Parvaaz">Parvaaz</keyword> with their album ‘<keyword id="226613" type="CITY" weightage="20" keywordseo="Baran">Baran</keyword>’ already doing it in 2014 and <keyword id="33360" type="UNKNOWN" weightage="20" keywordseo="Vasudha-Sharma">Vasudha Sharma</keyword>, another indie musician, did it for her album ‘Attuned spirits’ in 2013. 
 
''Crowdfunding is great as it reinstates the fact that they’re people who’re willing to back you up not just with compliments but with real investment, how big or small that might be,’’ says Menon about why he thinks it’s a great idea not just for social causes or businesses but also for creative geniuses to the likes of him. 
 
<a href="http://www.businessinsider.in/kfc-gives-customers-a-chance-to-taste-nashville-chicken-using-their-minds/articleshow/56952524.cms">ALSO READ: KFC gives customers a chance to taste ‘Nashville Chicken’ using their minds</a> 
 
The bursting artist in Menon lights up when we asked him what next if he hits the new monetary goal as 28 days are left to the campaign with it garnering a support of 85 backers with Rs. 3,59,170 collected and counting. 
 The 27-year old says that he’d like to collaborate with more artists and diversify his album further with Pop, Rock, Blues, Funk, R'nB, <keyword id="856224" type="UNKNOWN" weightage="20" keywordseo="electronica">Electronica</keyword> and Soul elements that he has used to create ''a seamless musical experience that has pushed well past his creative limits.’’ 
 
May the force be with this independent movement that is edging to change the way Indians consume and view music, forever. 
 
Check out the crowdfunding campaign <a href="https://www.wishberry.in/campaign/make-it-happen/#/campaign-new">here.</a>

Exclusive: This Indie-musician raised more than Two Lakhs in Six Hours through crowdfunding for his upcoming album

Do you have a little extra cash that you want to spend for a good <keyword id="22752" type="PERSON" weightage="100" keywordseo="cause">cause</keyword>? Have you always wanted to help a cause but didn’t know where to put your money? Or do you own a company that focuses on corporate social responsibility and wants to make sustainable <keyword id="6362476" type="ORGANIZATION" weightage="100" keywordseo="investments">investments</keyword>? One way of doing it is to donate the money, but there’s a small snag. The money you spend is gone for good – it can’t be used multiple times to help more people. But how about helping people as many times as you want, using the same capital you have spent in the beginning? And getting the entire amount back in monthly repayments? Call it sustainable giving or crowd lending, this kind of financial model enables you to do all these and one <keyword id="6404679" type="UNKNOWN" weightage="100" keywordseo="start-up">start-up</keyword> is leveraging it to enhance life at the <keyword id="140518" type="UNKNOWN" weightage="100" keywordseo="bottom-of-the-pyramid">bottom of the pyramid</keyword>. 
 Welcome to <keyword id="2108864" type="UNKNOWN" weightage="100" keywordseo="Milaap-Social-Ventures">Milaap Social Ventures</keyword>, a social enterprise operating from Bangalore and <keyword id="6356662" type="COUNTRY" weightage="100" keywordseo="Singapore">Singapore</keyword>, which has developed an online crowd-funding platform to help the unbanked and the <keyword id="2108896" type="UNKNOWN" weightage="100" keywordseo="Underprivileged-masses">underprivileged masses</keyword> in <keyword id="3658" type="COUNTRY" weightage="100" keywordseo="India">India</keyword>. Simply put, <keyword id="6734688" type="UNKNOWN" weightage="100" keywordseo="Milaap">Milaap</keyword> (it means ‘connecting together’ in Hindi) offers an RBI-approved micro-lending platform that allows the organisation to receive ‘loans’ from all over the world. Although <keyword id="2108903" type="UNKNOWN" weightage="100" keywordseo="Individual-lenders">individual lenders</keyword> don’t get ‘financial returns’ on their investments (after all, you are putting in your money for a ‘good cause’), they get the principal back after the stipulated period. They can then re-deploy the money to help another person/project or cash out their principal. This helps create a <keyword id="2108904" type="UNKNOWN" weightage="100" keywordseo="Continuous-funding-cycle">continuous funding cycle</keyword>, more effective and sustainable than one-time donations. Want to know more about how Milaap is connecting the haves and the have-nots in a bid to help implement life-enhancing projects? Here is a snapshot that captures the start-up’s vision and viability. 
 
Who runs Milaap (milaap.org): A team of three co-founders – <keyword id="1270675" type="PERSON" weightage="100" keywordseo="Sourabh-Sharma">Sourabh Sharma</keyword> (<keyword id="5645" type="POSITION" weightage="100" keywordseo="CEO">CEO</keyword>), <keyword id="2108870" type="PERSON" weightage="100" keywordseo="Anoj-Viswanathan">Anoj Viswanathan</keyword> and <keyword id="2108865" type="UNKNOWN" weightage="100" keywordseo="Mayukh-Choudary">Mayukh Choudary</keyword>. Sourabh, a graduate from the <keyword id="87108" type="ORGANIZATION" weightage="60" keywordseo="National-University-of-Singapore">National University of Singapore</keyword>, started his first company, a mobile app start-up, straight out of college and ran it for more than two years. Next, he had a stint with corporate houses but soon joined hands with the other two co-founders to start Milaap. 
 Anoj holds a degree in Engineering from the National University of Singapore and he is also a StartingBloc Fellow (2010). Prior to co-founding Milaap, he had worked with SKS <keyword id="113684" type="COMPANY" weightage="100" keywordseo="microfinance">Microfinance</keyword> and focused on the energy and water services space. Earlier, he had been at <keyword id="2108863" type="UNKNOWN" weightage="60" keywordseo="ReEx-Capital-Asia">ReEx Capital Asia</keyword>, a cleantech investment boutique in Singapore, and served as a fellow at D.light Design. He is also a founder member of the <keyword id="2108877" type="UNKNOWN" weightage="60" keywordseo="Microfinance-Society-in-Singapore">Microfinance Society in Singapore</keyword> and leads the Milaap team in India. 
 Mayukh is an <keyword id="198748" type="POSITION" weightage="60" keywordseo="electrical-engineer">electrical engineer</keyword> from IIT Madras and holds a PGDM from IIM Lucknow. He specialises in building technology-enabled financing models and worked as a <keyword id="2108874" type="UNKNOWN" weightage="60" keywordseo="financial-risk-consultant-in-Dubai">financial risk consultant in Dubai</keyword> before starting up Milaap. 
 
What inspired the venture: A sabbatical that changed life. In 2008, Anoj took some time off to be with SKS Microfinance and worked on a project to provide solar lanterns on credit in a few tribal villages in <keyword id="6357961" type="CITY" weightage="100" keywordseo="Odisha">Odisha</keyword>. There he met Mayukh who was then working with the solar lantern-maker D.lightdesign. While on this project, Anoj noticed how <keyword id="6621346" type="UNKNOWN" weightage="100" keywordseo="Small-loans">small loans</keyword> impacted life in a big way, especially at the bottom of the pyramid, and the idea of Milaap came to his mind. Developing a crowd-funding platform to connect India’s underprivileged with prosperous individuals and <keyword id="2108906" type="UNKNOWN" weightage="100" keywordseo="Institutional-lenders">institutional lenders</keyword> across the globe seemed the right way to go about it. Anoj, who knew Sourabh from 2006 when he interned at his previous start-up Microappli, got him and Mayukh together to give shape to the idea of Milaap, which finally went live in June 2010. 
 
What’s the pitch: <keyword id="2108919" type="UNKNOWN" weightage="100" keywordseo="Lend-a-little">Lend a little</keyword>, <keyword id="2108920" type="UNKNOWN" weightage="100" keywordseo="change-a-lot">change a lot</keyword> – that’s Milaap’s motto and it has started happening. “India has a large pool of people who don’t have access to traditional banking, but they do require <keyword id="2108923" type="UNKNOWN" weightage="100" keywordseo="Funds-for-self-employment">funds for self-employment</keyword> and developmental initiatives. So we are leveraging the global reach of the <keyword id="6357247" type="PERSON" weightage="100" keywordseo="Internet">Internet</keyword> and trying to ensure that people – either individually or through their <keyword id="23045" type="UNKNOWN" weightage="100" keywordseo="social-networks">social networks</keyword> – can raise and lend capital to the millions who are unbanked and underprivileged,” says Sourabh. 
 Milaap is currently targeting over 700 million Indians who are mostly living in the rural &amp; semi-urban areas and unable to access formal sources of <keyword id="6357455" type="EVENT" weightage="100" keywordseo="Funding">funding</keyword>. According to the social enterprise, less than 5% of them are able to procure reasonably priced, life-improving loans for their small businesses, vocational training or other essential household assets, and that’s where the ‘loans’ raised by Milaap come in . 
 
How it works: At Milaap, the work is done in two stages. One part is <keyword id="2108932" type="UNKNOWN" weightage="100" keywordseo="Shortlisting-borrowers">shortlisting borrowers</keyword> and publishing their profiles/projects on Milaap.org for crowd funding. Second part is deployment of the loans, monitoring their usage and ensuring timely repayments. Understandably, the second part is more cumbersome and requires a lot of offline work. Milaap has already tied up with 20-plus carefully selected ‘field partners’ (chosen from a wide range of <keyword id="164768" type="UNKNOWN" weightage="100" keywordseo="Microfinance-institutions">microfinance institutions</keyword> or <keyword id="113682" type="ORGANIZATION" weightage="100" keywordseo="MFIs">MFIs</keyword>, <keyword id="1417942" type="UNKNOWN" weightage="100" keywordseo="Social-Businesses">social businesses</keyword>, <keyword id="2108940" type="UNKNOWN" weightage="100" keywordseo="Vocational-training-institutions">vocational training institutions</keyword>, etc.,) to identify the most deserving candidates/projects for loans. Once they are selected, each <keyword id="2108943" type="UNKNOWN" weightage="100" keywordseo="Borrowers-profile">borrower’s profile</keyword> is uploaded on the site, along with the fund raised till date and the amount still required for completing the loan. 
 Lending online is quite simple, though. Browse through the profiles to choose a borrower or select one from an impact area that you feel strongly about. You can also use various parameters such as cause, <keyword id="6379164" type="ORGANIZATION" weightage="100" keywordseo="LOCATION">location</keyword>, <keyword id="2108946" type="UNKNOWN" weightage="100" keywordseo="Project-urgency">project urgency</keyword>, <keyword id="2108948" type="UNKNOWN" weightage="100" keywordseo="Repayment-period">repayment period</keyword>, women-centric projects to fine-tune your <keyword id="2108951" type="UNKNOWN" weightage="100" keywordseo="Borrower-search">borrower search</keyword>. After the loan payment is made online, Milaap disburses the amount to the concerned <keyword id="2108956" type="UNKNOWN" weightage="100" keywordseo="Field-partner">field partner</keyword> and the end-borrower gets it from the field partner. When repayment is done (end-borrower – field partner – Milaap), ‘credits’ are accumulated in your Milaap account. When the loan is fully repaid, you can either withdraw the money or roll it into another project. As for diehard do-gooders, there are even more options to <keyword id="2108961" type="UNKNOWN" weightage="100" keywordseo="Start-fundraising">start fundraising</keyword> for the projects you prefer. 
 
Claim to fame: The concept and the build-up. According to the co-founders, crowd-funding is still a niche concept in the country but it is gaining traction gradually. Till date, Milaap has raised and disbursed over Rs 8.4 crore in 8,633 loans, impacting more than 46,393 people across 11 states in India. These loans are essentially raised to fulfil a wide range of <keyword id="2108963" type="UNKNOWN" weightage="100" keywordseo="Developmental-requirements">developmental requirements</keyword> including <keyword id="566897" type="ORGANIZATION" weightage="100" keywordseo="basic-education">basic education</keyword> &amp; vocational training, <keyword id="572926" type="COMPANY" weightage="100" keywordseo="seed-capital">seed capital</keyword> for small businesses, <keyword id="2109008" type="UNKNOWN" weightage="100" keywordseo="Access-to-clean-water">access to clean water</keyword> &amp; <keyword id="49770" type="UNKNOWN" weightage="100" keywordseo="Sanitation">sanitation</keyword>, and <keyword id="2109012" type="UNKNOWN" weightage="100" keywordseo="Safe-lighting">safe lighting</keyword>. Moreover, Milaap boasts 100% repayment of loans till now, indeed a rare feat when banks and big <keyword id="34503" type="COMPANY" weightage="100" keywordseo="financial-institutions">financial institutions</keyword> (<keyword id="4776620" type="CITY" weightage="100" keywordseo="FIs">FIs</keyword>) are suffering from the rise in bad loans. 
 The organisation is also focusing on <keyword id="2109025" type="UNKNOWN" weightage="100" keywordseo="Pan-India-expansion">pan-India expansion</keyword>. “Earlier, we were mostly operating in states like <keyword id="20154" type="ORGANIZATION" weightage="80" keywordseo="tamil-nadu">Tamil Nadu</keyword> and <keyword id="13126" type="COMPANY" weightage="100" keywordseo="Maharashtra">Maharashtra</keyword>. But now we are scaling up our operations and growing in states like Odisha, <keyword id="65591" type="CITY" weightage="100" keywordseo="Mizoram">Mizoram</keyword> and even Gujarat,” notes Sourabh. 
 
Show me the money: While a borrower gets the entire sum offered by the lender, Milaap charges its field partners a 5% fee on the loans disbursed through them, to cover its operating costs. Its field partners, in turn, charge affordable interest from the end-borrower to meet their operating costs. Milaap also makes sure that all fees are disclosed upfront. 
 
Unlike many other ventures in this space, this social enterprise is a for-profit concern, but has not reached break-even yet. However, it has found some solid backers and already raised $1.1 million in Series A venture funding in May 2013. The money raised is being utilised for developing the online platform further and scaling up operations. “We want the number of lenders to go up to 100,000 in the next 18 months. That is the tipping point from where we can gather momentum and look at break-even,” adds Sourabh. 
 The <keyword id="2026013" type="UNKNOWN" weightage="100" keywordseo="Series-A-round">Series A round</keyword> was led by Singapore-based <keyword id="969909" type="ORGANIZATION" weightage="80" keywordseo="Jungle-Ventures">Jungle Ventures</keyword>, an early-stage investment firm and an approved <keyword id="2109042" type="UNKNOWN" weightage="100" keywordseo="Technology-incubator">technology incubator</keyword> under the <keyword id="2109044" type="ORGANIZATION" weightage="100" keywordseo="Singapore-National-Research-Foundation">Singapore National Research Foundation</keyword>’s Technology Incubation Scheme. Other investors included <keyword id="2109045" type="UNKNOWN" weightage="100" keywordseo="Toivo-Annus">Toivo Annus</keyword> (<keyword id="170488" type="POSITION" weightage="100" keywordseo="co-founder">co-founder</keyword> of <keyword id="6377887" type="COMPANY" weightage="60" keywordseo="Skype">Skype</keyword>), <keyword id="2072941" type="UNKNOWN" weightage="100" keywordseo="LionRock-Capital">Lionrock Capital</keyword> (a Singapore-based <keyword id="2109046" type="UNKNOWN" weightage="100" keywordseo="Family-investment-office">family investment office</keyword>), <keyword id="2108869" type="PERSON" weightage="80" keywordseo="Jayesh-Parekh">Jayesh Parekh</keyword> (Co-Founder, Sony Entertainment Television) as well as existing investor, <keyword id="1509738" type="ORGANIZATION" weightage="80" keywordseo="Unitus-Seed-Fund">Unitus Seed Fund</keyword>. The company is looking to raise a Series B round worth $3-5 million in the second half of CY2014. 
 Earlier, between August 2010 and January 2012, Milaap raised $250,000 in seed investment from Unitus Seed Fund, <keyword id="211897" type="COMPANY" weightage="60" keywordseo="First-Light-Ventures">First Light Ventures</keyword>, <keyword id="198636" type="PERSON" weightage="80" keywordseo="Vijay-Shekhar-Sharma">Vijay Shekhar Sharma</keyword> (Founder, <keyword id="338385" type="COMPANY" weightage="60" keywordseo="One97">One97</keyword>) and <keyword id="2108867" type="UNKNOWN" weightage="80" keywordseo="Rajiv-Madhok">Rajiv Madhok</keyword> (Founder, <keyword id="312199" type="ENTERTAINMENT" weightage="60" keywordseo="Oorja">Oorja</keyword>). 
 Interestingly, only 40% of the total lending amount comes from individual lenders (mostly from India, Singapore, the US and <keyword id="6356687" type="COUNTRY" weightage="100" keywordseo="canada">Canada</keyword>) while 60% funding comes from institutional lenders, social funding and even family offices. But unlike <keyword id="2109229" type="UNKNOWN" weightage="100" keywordseo="Small-lenders">small lenders</keyword>, large institutional and <keyword id="2109230" type="UNKNOWN" weightage="100" keywordseo="HNI-lenders">HNI lenders</keyword> get 3-4% return on their loans. 
 
Biggest challenge: There is competition from a few sites like <keyword id="1658892" type="UNKNOWN" weightage="100" keywordseo="Kiva">Kiva</keyword> or Wishberry, but it is still a niche space and <keyword id="2109065" type="UNKNOWN" weightage="100" keywordseo="Discoverability">discoverability</keyword> is the main challenge now, feels Sourabh. “We need to do more marketing and promotion to let people know such a platform exists. That will help us get more lenders on board, more field partners and subsequently, help more and more people get life-changing access to capital,” he says. 
 
A word for wannapreneurs: Take the plunge and do it. ‘Now’ is always a good time to do it – so don’t hesitate. I always feel that the risk part is overrated in entrepreneurship. You actually need the experience before you can succeed. So start early and make sure that you get the kind of experience you need for long-term success. Your first initiative may not be all that great but at least, you would have learnt from all your mistakes. Try fast and fail fast before you can succeed.

This Social
Enterprise Runs A Global Crowd-funding Platform; Eyes $3-5
Million In Series B Funding

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Sania Mirza, Virat Kohli and Saina Nehwal amongst 56 Indians in Forbes' Asia list

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Exclusive: This Indie-musician raised more than Two Lakhs in Six Hours through crowdfunding for his upcoming album

Tanya Dubey

This Social Enterprise Runs A Global Crowd-funding Platform; Eyes $3-5 Million In Series B Funding

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