A loan of $2,225 helped a member to buy lentils, oil, dal, soap, biscuits, potatoes, etc.


Dwarsani Group's story

In the year 2009, four rural tribal women from Baddohel village of Nuapada district in Odisha, India formed a group named Dwarsani to access a loan from Mahashakti Foundation and expand their business. Sumitra is one of them. The lady standing second from the left in the photo raising her hand is Sumitra; aged 30, she is a very poor tribal lady, and lives with her husband and her nephew. Her family belongs to a Below Poverty Line (BPL) category. People from the BPL category live on less than one dollar a day.

Sumitra has been running a general store in her small village for last 12 years. Her nephew supplements in her business. She sells general grocery items like oil, sugar, lentils, biscuits, soft drinks (sodas) and stationery such as books, pens, etc. Sumitra was able to increase the variety of items at her general store with her scanty savings and increase her cash flow.

Her monthly income from the existing business is 6000 Indian Rupees (INR). Out of this income she has been able to manage her household expenses and spent some income for construction of a small shop cabin. As per the statement she was able to increase the variety of items in her shop but not the inventory. She wants to increase stock of her business. So the loan amount will be utilized to purchase items like lentils, oil, dal, soap, biscuits, potatoes etc. in bulk for her general store. This will help her to reduce her purchasing and transportation costs as she will replenish her stock less frequently. Sumitra hopes to save enough for building a good house for her family as the present house is very small and congested.

The other three members of the group are Pramila, Jamuna and Kumari who are running a tyre repairing center, a general shop and a goat business respectively.

In this group: Pramila, Jamuna, Sumitra, Kumari



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