A loan of $3,150 helped a member to purchase a refrigerator, gas and spare parts.


Rama Swami Group's story

Rama Swami is the name of this Joint Liability Group. All six active women entrepreneurs of this group belong to Bhawanipatna town in Kalahandi district in Odisha, India. Pindar, sitting back in the group photo with a blue dress, is one of them. She is 47 years of age and lives with her eight-member family comprised of her husband, two sons, two daughters-in-law and two grandchildren.

Pindar is running a refrigerator repair and air conditioner fitting workshop in her house and an auto repair garage in town with the help of her two sons. The refrigerator repair workshop has been running for the last seven years. People from the town and the periphery depend on her workshop. Her son also keeps orders for fitting air conditioners in the vehicles. He covers a distance of 100 kms radius for this work. She has engaged three skilled workers in her workshop @ 3,000 INR each per month. Her monthly net income from these businesses is around 10,000 INR. But in the opinion of Pindar, it is insufficient to manage the workshop as well as the household expenses. Pindar depends on the nearest wholesale market 300 kms. away for purchasing materials like gas and other spare parts. With the loan, she has a plan to purchase gas and spare parts for refrigerator repairs. With this, she will add some extra income to her family to lead a better life. Pindar has a dream of constructing a house for her family as the present one is not comfortable for such a big family.

The other five members of the group are Umapriya, Sabita, Hem, Sorojinidei and Anusaya who run a cycle mart, a fancy store, a cycle store, a Tiffin hotel and a cloth business, respectively.

In this group: Umapriya, Sabita, Hem, Pindar, Sorojinidei, Anusaya



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