A loan of $2,500 helped a member to pay for oil, dough, sugar etc.

Iswar Allah Group's story

This group was formed in the year 2011 and named Iswar Allah JLG. It is a group comprising of four women members (two members from the Hindu community and two members from the Muslim community) from the hamlet of Fokat Pada in the village of Gadramunda. The specialty of this hamlet is that all the inhabitants were landless and the government provided them with small patches of land free of cost to construct house for residential purposes. It is located in the Nuapada district, one of the poorest districts of India. One of the members of this group is Chandrika who is standing second from left with her hand raised in the photo. She is an energetic lady of 32 years whose family consists of her husband, two daughters of 15 and 11 years and one son of 13 years. The elder daughter of Chandrika has already married, the second daughter is studying in class 9 and her son is studying in class 7.

Chandrika has been running a bakery factory in her house with the help of her husband. Her husband started the business 20 years ago with a small investment of his own. In the factory, bakery items like bread, roll, cream and toast etc. are being prepared. She has engaged four skilled laborers for processing and making the bakery items for which she has to pay daily from 100 – 135 INR plus breakfast and lunch. Her husband also works in the factory. She supplies the products to retailers in nearby villages and vendors also regularly take the products from her. Chandrika says owing to better quality, design, packing and forms of her products, there is a lot of demand from the locals, but due to a shortage of stock she can not meet their demands. Chandrika earns a monthly net profit of 8,000 INR, which is not sufficient to maintain the family expenses, educational expenses of her children and business expenses like payments to the laborers etc. To increase the income, Chandrika wants to buy more stock of oil, dough, sugar etc. to increase her production level to meet the demands and grab her customers. So Chandrika is planning to use the present loan for purchasing raw materials in bulk, which will reduce her purchasing and transportation costs, and for making a new kiln. She also hopes to save money from the sale proceeds to provide a better education facility to her children and construct a new house.

The other three active members of the group are Fatma, Mumataj and Mangala who are doing mutton, fancy items and a vending business, respectively, hoping to provide better education to their children and increase their living standard.

In this group: Phatama, Mumataj, Chandrika, Mangala

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