A loan of $2,825 helped a member to pay for purchasing a photo lamination machine, mirrors, cardboard and binding materials.

Sarvodaya Group's story

Sarvodaya ("Overall Development"), a Joint Liability Group, was formed in the year 2010 by four active women of Khariar town of Nuapada district in Odisha, India. Nuapada district is known for drought and backwardness. Sunita is one of the members of this group, standing second from the left with a raised hand. She is 33 years of age and lives with her husband; one son, age 3; her father-in-law and mother in-law.

Sunita has been running a small mirror-cutting and binding unit in her house and a photo framing shop for the last five years with the active support of her husband. Her husband goes to a wholesale market 200 kilometres away twice in a month and brings back raw materials like mirrors, framing items and cardboard. In her unit, she has engaged two workers for cutting and binding mirrors of different sizes as per the orders of the traders. She supplies these mirrors wholesale to five traders from the same town and one trader from a nearby town. From this business she earns a monthly income of 6,000 to 7,000 Indian rupees (INR). With her previous loans, Sunita has taken a cabin in the heart of the town for marketing her products as well as photo framing.

This is her fourth loan and Sunita wants to purchase a photo lamination machine as well as mirrors and binding materials for the smooth running of her business. This will reduce the transportation costs and she will be able to work for a long period. She expects a good return from this investment for the total development of her business. With this extra income, she is planning to repair and renovate the cutting and binding unit she is running in a temporary shed. Sunita hopes to open a mirror showroom in the market with quality products.

The other three members of this group are Sanjukta, Sannu and Premalata. They are running a grocery shop, small restaurant and X-ray center respectively.

In this group: Sannu, Sunita , Premalata, Sanjukta
*not pictured

Loan details

Lenders and lending teams

Loan details