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Prema, Vigneshwara SHG, Fast Food Canteen
Prema is originally from a small village near Tumkur. Her and her family decided to move to Bangalore so her husband could work as a security guard. She opened a small garment business, but her children could not help since they were too young at that time. The family could not afford to live in Bangalore. After a few years, financial difficulty forced them to return to the village. Prema stayed at home to care for the children and the house. Her husband opened a tailor shop. Unfortunately, he spent all his money purchasing a truck. The family got into significant debt, and Prema's husband was no longer able to operate his business.
At that time, construction of a bridge began near their home. Prema and her husband decided to prepare food to serve the workers on their lunch breaks. And thus began their dream to open a fast food restaurant.
Five years ago, IDF FSPL's loans gave Prema's family the financial help to open a fast food restaurant. With the first 7.000 Rupees loan, they rented a small location on one of the busiest streets in Tumkur. They then purchased the necessary kitchen supplies. The second loan of 15.000 Rupees allowed them to buy a new stove, table and large sign. Prema's fast food restaurant provides her family with nearly 1.000 Rupees per day.
Thanks to the family business, Prema's 2 youngest children are now going to university. She plans for them to receive Masters degrees. She hopes to keep the restaurant open at night, as Tumkur is a late-night town. Prema and her husband also own a small piece of land. In the future, Prema and her husband dream of building a new house for their family.
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Pushpawahi, Gramadevathe SHG, Sells Innerwear for Men and Women
Pushpawathi has 2 children, one in the 10th standard and one in the 12th standard. Her husband is physically disabled and therefore all of the responsibilities have been put on her shoulders. Before, she was struggling to make ends meet, however, with the help of IDF FSPL, she was able to take a loan of 7000 rupees. This allowed her to purchase cloth and expand her business to sell innerwear for men and petticoats for women. Her son, who is also a tailor, has an income of Rs. 5000 and Pushpawathi’s income is currently Rs. 2000 per month. With a monthly family income of 7000 rupees per month, she is very happy and finally feels a sense of stability. She purchases supplies from Bangalore and sells locally. She attends SHG meetings regularly as she feels happy sitting and sharing stories and feelings with others. Saving 10 rupees per month, she has to this date saved 500 rupees. Her dream is to join with others and transform her business into a group enterprise.
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Savita Shivnande Mared, Seamstress, Renukadvi SHG
Savita used to live with her husband and one child in a slum, where she had to go and fetch sticks for her home. The living conditions were quite poor. Her husband was the only one employed. He is a local security guard earning Rs. 2,500 per month. Savita joined IDF SHG and took out a loan for a tailoring business. Her first loan was Rs. 5,000 and was used to purchase a sewing machine.
Now, with her husbands’ income and her income the family is earning Rs. 3,500, and after expenditures is left with Rs. 2,500. Savita has a great plan for the future. She is enrolled in the Pigney Daily Savings Scheme where she saves daily Rs. 100 with the bank. Her son is now in LKG, and in the future Savita wants her son to continue to have good education. She also wants to be able to buy a house instead of paying rent.
Thanks to IDF FSPL she can make these plans. In the last 6 months, Savita purchased a second machine for her tailoring store. With the new machine she is able to expand her business services to include embroidery on saris and blouses.
Her business success and support she receives at SHG meetings, in addition to financial literacy training at the SHG meeting, has enabled her family to improve their livelihood: moving from the slum to a house, and saving for the future education of their son.
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Manjura Hampannavar, Beautician, Sri Saineath SHG
Manjura is a young lady, living only with her husband in a small house in Dharwad, Karnataka. Initially, Manjura and her husband subsided off his income alone, as he worked at his brother’s Barbershop. From the Barbershop the family earned Rs. 3,500. After joining IDF FSPL SHG, Manjura acquired her first loan of Rs. 3,000. She used this with hopes of starting a beauty parlor in her home. Thanks to IDF FSPL loans, she was able to attend training courses and purchase material to start a beauty parlor in her house.
Business is doing well, and Manjura has taken a second loan from IDF FSPL for Rs. 10,000 to continue expanding her business. With Majura's addition of Rs. 2,000 to the family's monthly income, they can better meet their needs and they were recently even able to purchase a TV. In the future, Manjura hopes to move her beauty parlor from her house to a shop and expand her services.
Manjura regularly attends SHG meetings and serves as its SHG's representative to the Cluster and currently holds the Treasurer position of the Cluster.
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Yallava’s Vessel Business
Yallava has 5 members in her family, and they migrated in search of work. She used to stitch quilt, but now thanks to IDF FSPL loan she joins her husband in the vessel business. Before IDF FSPL, Yallava was borrowing at 2% per month interest from moneylenders, but it was not reliable funds. After taking the loan, the family’s income has doubled.
Everyday she travels by bus starting at 8:00 am and ending at 4:00 pm to 40-60 villages. She sells about 1,000 vessels a day and makes between 600 and 2,000 rupees per day! For every 1,000 vessels Yallava sells, she is able to save 300 rupees. With this savings she is able to send her children to boarding school—Kareppa, 13 years old is in the 7th standard, Davali, 8 years old in 1st standard, and Asuni is 6 years old.
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Small Shop Employs Handicap Woman
From birth she has been handicapped, but she has pre-university education. Now, 10 years she runs this shop thanks to loan from IDF FSPL. Before the shop, her business was confined to a small roadside kiosk. With help from a bank loan, she purchased on lease rights to a shop in this building. IDF FSPL provided the working capital needed for running this shop. On her first loan cycle she borrowed 6,000 Rs. She is able to save 710 Rs.
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Garment Making Group Enterprise
Parwati, community organisor working in Hubli while looking at the members of SHG she had organized, found that the money borrowed was either spent on household expenses or for the businesses run by their husbands. She thought the SHG members have energy and time which could be used in some activities which can generate additional income.
She found Kavita Dagge a member of Bhagyalaxmi SHG at Nekarnagar Hubli sharing her idea of motivating women to take up some income generating activities. They found that there garment manufacturers in Hubli are looking for outsourcing manufacturing of ‘petty coats’. The garment manufacturers provide cloth which has to be cut, and stitched and packed delivered to them. Kavita initially motivated her SHG members to lend their hands in manufacture of petty coats and earn income.
She set up a unit consisting of cutting machine and motorized sewing machine. The Rs 60,000 loan provided by IDF FSPL was invested in the unit. While some members work in the unit, owing to space constraint others take the cut cloth to their homes and stitcg. The unit now provides employment for more than 35 SHG members of fellow SHGs. The members earn based on the number of garments they produce which ranges from Rs. 60-120 per day, a decent income for Hubli life.
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Weaving Life Through Embroidery
“My little hobby of doing embroidery was only a seed that was nurtured by idf to make it grow like a tree”, Vidya recalls, with gratitude exuding out of her face!. A humble lady from Savanur of Haveri district joined SHG and soon learnt that it is a strong tool to fulfil her dreams. The trainings and micro finance that idf provided helped to tune her attitude and skills to shape herself to be a good entrepreneur.
“There is lot of difference in my work skills before and after the training I received”, she gratefully recalls. I have learnt many many new designs during the trainings. My ambition to start a unit of my own needed financial support. “The micro finance provided by IDF helped me to fulfil my dreams”, she humbly asserts. She is able to complete 10-15 saris in a month and earn Rs 2500-3000. She has now bought an embroidery machine and invested around Rs 4000 on raw materials. “This could happen because of the support in training and providing finance at the right time at my doorsteps” She quips.
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Savanuru khara that made life sweeter!
“The khara and sweet we prepare never see the next day at our counters” smilingly remarks Shankaramma, a proud SHG member from Fakiranahalli, a remote village in Savanur taluk of Haveri district. The reason she quotes is the quality and taste of her products. The village has no bus reaching anywhere at 6 km distance from the village. She has been a SHG member for past over 2 years regularly saving in the SHG. The trainings she received helped her pusue Savanur Khara preparation. One of her sons who had some experience in working in a shop as a helper came handy to assist her in her venture, especially in marketing the product. She started to sell it to few shops and bakeries in near by town and big villages. She didn’t forget to get feedbacks on the quality and incorporated corrections to her preparations’. That helped her to improve the quality quickly! As the demand increased, she increased the production also. Idf helped to meet her finance demands through its micro finance. She is earning Rs 500 to 1000 per day. She is confident that business is going to further improve in days to come! |
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- Assist organizing the poor into Self Help Groups (SHGs)
- Build the capacity of
Self Help Groups...
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