A loan of $950 helped a member to purchase fertilizer and farm inputs like seeds and pesticides.

Manikeswari Group's story

In the year 2010, four women from the village Gadramunda of Nuapada district of Odisha, India united together and formed a Joint Liability Group named “Manikeswari". They formed the group to avail a loan from Mahashakti Foundation for the further development of their existing business. All of them hail from poor backgrounds. Hemanti is the one who is standing second from the right in the photo with a raised hand. She is 47 years old and resides with her husband and a son of twenty-five years.

Hemanti has a vegetable cultivation farm in her village, with a water pump and a traditional water-lifting facility from the dug well. She and her husband look after the farm. They produce vegetables like brinjal (eggplant), cauliflower, carrots, cabbage, chilies, cucumbers, papayas, ladies finger (okra), popcorn, etc. on the farm. Traders come to her farm for buying the produce. Apart from this, her son has an air compressor and vehicle tyre-repairing center in the nearby town.

Hemanti earns a monthly income of 8,000 INR from the above businesses. For future development of her family, Hemanti wants to expand her business by taking a fresh loan. This is the second loan for her, and she has planned to utilize a part of the loan to buy fertilizer and farm inputs like seeds and pesticides for her farm, and another part of the loan for purchasing accessories for her son’s repairing center. She expects a good return from this investment. Hemanti dreams to construct a house and for her son to get married.

The other three members of this group are Nirupama, with a milk business, Dashami, with an electrical center, and Prafulla, with a vegetable cultivation and vending business.

In this group: Dashami, Prafulla, Hemanti, Nirupama

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Loan details