A loan of $4,800 helped a member to buy goats for rearing.

Bhagya Laxmi Mahila Swa Sahaya Sangh Group's story

Ujavala is 43 years old and lives in Chinchali village, Raibag, Belgaum. She is an illiterate woman. She is married and has two children. Her son is studying in 11th grade, and her daughter got married. Her husband is a labourer in agriculture fields. They live in their own house, which was given by the government.

Ujavala (the lady with her hand raised in the picture) has 20 years experience in animal husbandry, in particular goat rearing. She purchases a 1 or 2-month-old goat kid, and she rears it following all the requirements (veterinarian support, food, etc.) When the goat becomes 1 or 1½ years old, she sells it at a fair or weekly market. If she can sell it during festivals, she will make a better profit. For extra cash, Ujavala also works in agriculture fields for daily wages.

The loan she is receiving now will be used to increase her capital for buying one more goat kid and raising it. This enables her to generate income so that she can support her family in securing a better life. She hopes to save enough for her son’s education and make him well settled. She wants to see empowerment in her community in education, as well as economically.

This is the first loan from Kiva for “Bhagya Laxmi Mahila SwaSahaya Sangh” Self-Help Group (SHG). Including Ujavala, there is a total of 19 members in this group. Ujavala leads this group; 12 members need loans for animal husbandry, 3 for petty shops, 1 for goat rearing, 1 for a cloth selling business and 1 for a cycle repair shop. They also are all daily-wage workers in agriculture fields.

In this group: Mahananda Shivappa , Shantabai Maruthi , Sangeeta Goutam , Sunitha Suresh *, Bhagyashree Vidya Sagar , Ujavala Mahaveer, Rupa Santosh, Guljari Satappa, Sugila Chidanand , Chaya Ragunath, Mangal Mahadev, Sevanta Ashok, Shivalila Mahadev , Shanakka Keshavva, Kempavva Shanker , Mahadevi Yauraj, Mayakka Bharath, Laxmi Maipal , Kallavva Appasaheb
*not pictured

Loan details

Lenders and lending teams

Loan details