Using a small stock pot, heat olive oil, over a medium-high flame.
Once hot, add garlic, onions, and ginger and sauté until onions begin to soften and turn translucent in color.
Add carrots, vegetable stock and rice, and simmer for 30 minutes or until carrots break apart easily.
Using a blender or food processor, purée the soup until smooth.
Return the soup to the pot, and heat over a medium flame.
In a small bowl, combine yogurt and flour, and blend until well mixed.
Stir this mixture into the soup, being careful not to bring the soup back to a boil.
Season with salt and pepper, and garnish with a dollop of plain yogurt.