Ramesh Ramanathan By Ramesh Ramanathan Blog28 April 2014 The Road Ahead: Implementing Kaleido at Scale Janalakshmi, an urban microfinance institution in India, is putting its customers at the center of its business with a mapping tool called Kaleido. Blog19 December 2011 Reflections on the Commercialization of Microfinance Various voluntary efforts for MFIs to behave better in Andhra Pradesh went unheeded. Unfortunately, these voluntary commitments were never honored, resulting in a metastasized problem in AP in 2010.