A loan of $1,175 helped a member to pay for purchasing of a digital camera.

Maa Bimala Group's story

Maa Bimala, a Joint Liability Group, is located in Chhatapipal, a rural village of Bolangir district of Odisha, India. This group consists of five women members who belong to the BPL (below poverty line) category. People from the BPL category live on less than one dollar a day.

Padmini, sitting with raised hand, is one of them. She is 24 years of age and lives with her husband and one son, age 2 months, and one daughter, age 5 years, who has just started schooling in the village school.

Padmini is running a photo studio in a very small room in her house with the help of her husband. She has a computer system, a digital still photo camera and a normal video camera for her business. Her husband mainly manages the photo studio. In the absence of her husband, Padmini also takes photographs. Apart from in door service, her husband also attends calls and orders at various social festivals, government programmes and other functions as a photographer. She also gives the video camera on hire basis at a cost of 1,000 INR per day.

In normal season (from June to September) Padmini earns 5,000 INR per month, and in festive season (from October to May) she earns 8,000 to 10,000 INR per month.

The locality of Padmini has a great potential for her business but, due to shortage of space, she is not able to expand it as she would like. By using the present loan, Padmini is planning to purchase an advance digital camera for her business. From the extra income, she has a plan to construct a separate photo studio on her plot, which she wants to materialize very soon.

The other four members of her group are Santoshini, Pankajini, Tikini and Surangi, who are doing milk businesses.

In this group: Santoshini, Tikini, Surangi, Padmini, Pankajini

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