A loan of $2,850 helped a member to pay for purchasing more yarn.


Radha Krushna Group's story

This Joint Liability Group named Radha Krushna consisting of five active, cheerful women entrepreneurs of Tukla village under Nuapada district in Odisha, India, came out with a new venture to contribute some extra income to their family by accessing credit by forming a group in the year 2009. Mukula is one of them who is sitting in the middle raising her hand in the photo. She is 43 years old, living with her husband and two sons aged 32 and 30 years.

Mukula is a very energetic and hard-working lady. Traditionally she is running a cloth weaving unit in her house. Presently she has three hand looms for weaving of saris. Mukula has engaged two skilled laborers to help her in weaving. Mukula pays Rs.100/- as labor charges to the weavers. Her husband also weaves saris in the first half of the day and in the second half moves to different villages by bike for selling. From this business Mukula earns a net income of 6,000 INR which is not sufficient to manage her family and plan for future. Her husband brings raw materials (yarn/thread) from a nearby town on both cash and credit basis and gives the finished products to the same merchant, which does not give fair returns. So she is planning to utilize the whole loan amount to purchase more stock of yarn.

This will help her to arrest some unnecessary expenses resulting from frequent movements to bring in raw materials. The role of Mukula in the business is to do the work of processing yarn. Mukula wants to save some money for the marriages of her two sons in the near future and construct a house. The other four members of the group are Lalita, Anjali, Kshiramati and Dhanmati who are doing jewellery-making work, general store, tailoring and cloth weaving businesses.

In this group: Lalita, Anjali, Dhanmati, Kshiramati, Mukula
*not pictured



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