A loan of $2,325 helped a member to buy fertilizers and seeds.

Subham Self Help Group's story

Agriculture has been a prime source to earn a livelihood in India for close to 60% of the population. India has one of the world’s largest production of paddy crops. Most of the time, these marginalized people have land to grow crops, but due to financial constraints, are not able to buy fertilizers, seeds, or irrigation facilities.

Barnali (hand raised), 39, hails from Nandakumarpur village of South 24 Parganas district of West Bengal, India. Her family comprises her husband and a son and a daughter who are in different stages of schooling. Her husband usually goes to different villages in search of a job. The current income is not sufficient, and with the daunting responsibilities that she will face in the future, as in financing their children’s education, it is imperative that she uses the land for paddy cultivation.

She is also the leader of Subham Self Help Group (SHG). The SHG helps in training, mutual sharing of ideas, motivation and help. As a group, they are usually involved in different jobs to reduce the risk of business failure.

Barnali needs a loan for the paddy cultivation, for which she will need to buy fertilizers, seeds, etc. She expects to reap a profit of INR 50,000 per year. With finance in place, she can expect to bring stability to her family. The lady also has a good credit history and has never defaulted.

Other members in the group have a diverse set of requirements, which includes betel vine farm preparation, potato and onion businesses, and pisciculture. In total, they require a loan of INR 140,000.

In this group: Barnali, Sandhyarani, Pushpa, Kakoli, Malati

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Loan details