A loan of $1,150 helped a member to purchase new cloth, threads and one Pico machine.


Sai Ram Group's story

Bissam Cuttack is a small town of the Rayagada district in Odisha, India, where Kumudini, about 48 years old, resides with her husband and four children. They have two daughters, about 26 and 22 years old, and two sons, about 28 and 24. The lady seated at extreme left with raised hand in the photograph is Kumudini. In the year 2011, she formed a JLG with other members of her village to avail loan from Mahashakti Foundation.

Kumudini has done tailoring and embroidery work in her house for nine years. She has one tailoring machine. Her younger daughter is helping her in this business. Kumudini and her daughter both know embroidery work. Besides the tailoring work, she makes toys, pillow covers, wall hangings in different designs, TV covers, filter covers, etc. She has a good number of customers. Peoples give orders for wall hangings for their new houses. Kumudini earns about Rs 6,500 in a month.

Her husband does a private job with a monthly salary. According to Kumudini, this amount is not at all sufficient for her to manage the household expenditure as well as business expenses. So she wants to expand her business to earn some extra income. This will be her second cycle loan. With it she wants to purchase new cloth, threads and one Pico machine. Kumudini has a long desire to have an established cloth store with embroidery at Muniguda and gain name and fame in her locality.

Besides Kumudini there are five other members in the group. Three members - Ayesha, Bharati and Kalyani -- need a loan for a readymade dress shop, a fast food hotel and a tailoring shop, respectively. The other two members - Prabhati and Jhilli -- both need a loan for leaf plate wholesaling.

In this group: Kalyani, Kumudini , Prabhati , Bharati, Ayesha, Jhilli
*not pictured



Loan details


Lenders and lending teams




Loan details