A loan of $2,625 helped a member to purchase iron rods, angles, and iron sheets.


Kamala Group's story

The name of this Joint Liability Group is Kamala. All four active women entrepreneurs in this group belong to Bhawanipatna town in the Kalahandi district in Odisha, India. Kalahandi district is a very poor region of the country with poverty and underdevelopment. Rashmirani, standing second from the right with a red-colored sari in the photo, is one of the members of this group. She is 26 years of age and lives with her husband, her four-year-old son, father and mother-in-law. Rashmirani has been running a fabrication workshop for the last 13 years in a temporary shed with the active participation of her husband, who looks after all activities of the business. She has engaged three skilled workers in her fabrication works @ 3,000 INR each per month. She manufactures grills, shutters, windows, doors and other iron products per the orders of the customers. Her monthly net income from the fabrication work is around 5,000 to 6,000 INR. In her opinion, her present income is insufficient to manage the fabrication as well as household expenses. Her husband purchases iron materials from the local market regularly as needed. With the present loan, she is planning to purchase iron rods, angles, and iron sheets in bulk to save the unnecessary expenses incurred due to price fluctuation of the materials and transportation. With this, she will earn some extra income for her family. Rashmirani has a dream of providing a better education for her child and constructing a good workshop for her fabrication unit in the near future. Also, she has a big hope of constructing a house of her own in due course. The other three members of her group are Gitanjali, Niharika and Kuni who are running a vegetable farm, an electrical shop and a shoe business.

In this group: Gitanjali, Niharika, Kuni , Rashmirani
*not pictured



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Loan details