A loan of $2,800 helped a member to pay for purchasing of ready-made garments for sell.

Jay Maa Santoshi Group's story

Chitra, the leader of Jay Maa Santoshi group, is a permanent resident of Tukla village of Nuapada district in Orissa state of India. She is a married woman who is 36 years of age. She has a small family comprising four members, including one daughter and one baby son.

In December 2008, Chitra, along with three other members named Jamuna,Rukmani and Sakuntala of her village, formed a joint liability group (JLG) named Jay Maa Santoshi and took the first loan from Mahashakti Foundation for development of their existing business. The same group also availed the 2nd term loan from Mahashakti Foundation. During third term loan Chitra was dropped from the group due to her personal problem and a new member named Baidehi joined with other existing three members. In the present term Chitra again rejoined the group and took the leadership. This is the third loan of Chitra from Mahashakti Foundation. Initially, her husband was running a mobile garment shop at the time she took the first loan, used to attend weekly markets of nearby villages to sell clothes. Out of their small income, they are maintaining their family at a low profile. To improve her living condition and to earn some extra income, she took out a second loan and constructed a cabin in her house and started selling ready-made garments. Now she is very much confident in running her business and has developed her clothing shop significantly.

The other four members of the group are Rukmani, Jamuna and Sakuntala with 4th term loan and Baidehi with 2nd term loan. They are also running similar types of businesses. Rukmani and Jamuna have their mobile cloth vending unit, Baidehi has a cloth weaving unit, and Sakuntala has a tailoring and dress materials cloth shop. At present, Sakuntala employs three youths to help in her business.

All members of the group are successfully running their businesses and have been able to repay their previous loans from Mahashakti Foundation completely and in due time. Due to the successful running of their businesses, the members have been able to increase their income levels, thereby increasing the volume of their business. This enhancement in income level has also helped the group members to possess different household assets for their families. Now they are sufficient enough to educate their children in the school of their locality.

As per the estimation and appraisal, the loan requirement of the group is 156,000 INR.

In this group: Chitra, Rukmani, Baidehi, Jamuna, Sakuntala
*not pictured

Loan details

Lenders and lending teams

Loan details