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SUCCESS STORY Success Story No. 1: Name of SHG : Raj Khongri Malti Farming SHG. This group constructed houses and necessary infrastructure for piggery farming. The piglet (20 nos.) have already been purchased and started rearing. The members of the SHG have already given training on production technology by line departments. At present, the monthly income of the members of the SHG by doing some minor activities like vegetables vendors etc is about Rs.700/- and it is expected that when the members of the group will get returns from the piggery farm, then their monthly income per head will be minimum of Rs.3000/- and they will be self-sufficient in their livelihood by way of self-employment. P.D. DRDA, Kokrajhar Success Story No. 2: DRDA : JORHAT Indeed – The River Brahmaputra is a curse to
them!
Their needs were urgent and unavoidable. But Credit worthiness’ was practically nil. Hence no financial institution had come forward to provide credit at the risk of default. One fine morning during the month of November, 1999 eighteen numbers of enterprising women organized a SHG named – Binapani Self-Help Group. They opened a common fund A/c in the local Sibsagar District Central Co-operative Bank, Kamalabari. The group of Women started to grow Robi Crops collectively and deposited their surplus amount in the common fund and raise the amount up to Rs.10,000/- within five months. The like-minded SHG members take collective decisions on all matters including the terms of Credit and repayment period. The group provides need-based loans to the members and they also repay the loan promptly on time. Now, their common fund A/c convert into a source of cheap and easy credit delivery institution – A micro Bank of their own. DRDA, Jorhat released Rs.10,000/- as Revolving fund and the Bank also sanctioned Rs.10,000/- as Cash Credit. The group utilized the amount in productive purpose and repay the loan amount on time which make the group Credit worthy in the eyes of the Bank. Now, Binapani SHG – is not a mere cognitive word for the group members, rather it represents their existence and identity and an inspiration for others. PD, DRDA, JORHAT
Success Story No. 3:
She received Bank loan amounting to Rs.20,000/- from Pragjyotish Gaonlia Bank, Dharapur branch on 16.03.2001 alongwith subsidy of Rs.6,000/- from District Rural Development Agency, Kamrup under SGSY Scheme. She can weave 90 nos. Sadar in a month besides weaving and selling Gamocha and thus she earns additional income of Rs.2,000/- per month and from this additional income she has been able to repay her Bank loan installments @ Rs.480/- per month up till now and she has been maintaining her two members family well with her additional resources. PD, DRDA, KAMRUP |
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Rs.20.00 per head per week and accordingly they opened account in the local State Bank of India
and started savings in Banks. As per decisions of the SHG, the members were given loan from their SHG fund and repayment also made. In this way their banking habits were developed. After six months of the formation of SHG, a grading exercise was done by the Block officials and bankers and this group became qualified for getting revolving fund. The DRDA, Kokrajhar of Panchayat & Rural Development Department, Govt. of Assam sanctioned an amount of Rs.10,000.00 (Rupees ten thousand) as revolving fund against this group on 5th January, 2001 and it strengthened their corpus fund. The Members of the group could take up some minor activities and could Again, after six months of getting revolving fund, another grading exercise was done by the Block staffs and bankers and this group was qualified. Then this SHG applied for loan against Piggery farming and the Bank sanctioned loan for Rs.2,10,000.00 (Two lakhs ten thousand) on 13th September, 2001.