A loan of $275 helped to purchase a dairy cow.


Fulwati's story

Dairy cows are valuable assets, supporting the rural poor to earn a decent living. Fulwati and her family have been running a small dairy farm for the last 15 years in Chittoldiya, a rural village in Jharkhand. They started the farm with one cow and now the dairy farm consists of five buffaloes and three cows which produce about 40-50 liters of milk per day. They sell it to the neighboring households and to different tea vendors.

Fulwati (38) is very enterprising woman; she always looks for opportunities. She joined a local NGO called “MESP”, which helps villagers based in deep-rural areas who cannot access finances through banks. Fulwati attended various agri-business training sessions to be eligible for a dairy loan. The NGO also taught her about dairy cows, feed supplements, sources and contact persons for good quality semen, animal first-aid and preventive health care.

Fulwati is fully equipped to be a successful farmer and she is taking a further step of seeking a loan to purchase another dairy cow. Her major challenge is raising funds. Most of her income is spent paying for expensive farm inputs and her two children's school fees.

The additional income will go into converting the temporary shed to a permanent tiled-roof with enough space for each animal. Her dream will be achieved the day her husband and children get to enjoy a comfortable life.



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