A loan of $1,275 helped a member to purchase dough, sugar, oil etc.

Maa Laxmi Group's story

This group is called Maa Laxmi (named after the Hindu Goddess of wealth). Its five members are all women who belong to the Below Poverty Line category (BPL) from the village called Gadramunda. It is located in the block of Khariar of Nuapada district of Odisha, one of the poorest districts in India, specially known for drought. Among the five members is Panchu. The lady sitting in the middle raising her hand is Panchu. She is 29 years old; living with her husband, three sons aged 10, 8 & 5 years and one daughter who is 2 years old. She is a very active lady and fond of cooking. She has been running a snacks & sweets-making and supply business at her house with the help of her husband for a couple of years. She initially started with two varieties and slowly expanded to three different varieties. She, along with her husband, cook local salty snacks named 'Namkin' (locally popular food of triangular shape and salty in taste), “Gaja” (fried dough dipped in sugar syrup) & Ladduu (one type of round shaped sweet) and make packages. Her husband travels to the surrounding villages selling to local shops there. He travels almost 40 km in a day. She and her husband spend almost four hours a day making snacks and packets and selling them. In this process, her family earns a profit of rupees 200/- to 250/- daily. For raw materials like cooking oil, sugar and dough, her husband travels to the nearby town frequently every three days and spend more time and transportation cost. She now wants to have a stock of raw materials like cooking oil, sugar and dough, so that they have enough stock to carry on their business regularly with out any intervention. Panchu has planned to use a portion of the loan to buy the raw materials in bulk, saving the transportation cost and getting a cash discount. She hopes to complete her half-built house and start a screen printing business as her husband has sufficient experience in that field by using the rest of her loan.

The other four members of the group are Sasirekha, Jachana, Pana and Suraj and they have businesses like selling milk, running a grocery shop and cultivating vegetables.

In this group: Sasirekha, Panchu, Jachana, Pana, Suraj

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