Bedami
Rajsthan

Client's Name: Bedami
Age: 40 Years
Location: Village – Patwari Ka Bans, Shrimadhopur, Dist. Sikar, Rajasthan
Loan Utilization: Dairy
Engagement in Activity: Self & Husband
Family Member: 7 Members
Total Loan Cycle: 4 cycles
Cumulative Borrowings: Rs. 51,000/-
Client since: June 8, 2010
PPI Scoring (Loan Cycle-wise): 13 – 17 – 22 - 36
Bedami is a typical Indian housewife married to Mr. Rudh Mal Yogi and is a mother of 5 Children. They belong to Patwari Ka Bans, a small village in Rajasthan. Her husband had a small Dairy business and since beginning she has been actively involved and supporting her husband in their business. She always get worried about their family and used to strive hard to get moderate income to hold the responsibilities of a big family like them.
In pursuit to get rid from these bothering, their fate sailed her to introduce with SVCL where she experienced the first Micro Credit Finance Facility on 8th Jun’10 and got the credit assistance of Rs. 10,000/- from SVCL. She invested the entire sum to thrive their dairy business. This credit facility made a noteworthy change in their livelihood. Prior to SVCL, they had just a single cow as their only source of milk production which used to generate them the profit of just Rs. 180/- per day. Post availing credit facility from SVCL, they managed to possess and add one more source to expand their dairy business. All their hard work got paid off as their income jumped from the level of Rs. 180/- to Rs. 480/- per day within a short span of 3 years. They are highly obliged to SVCL for giving them the opportunity to become confident to run their own business and contentedly carrying the family responsibilities on their shoulders.



Gudiya

Uttar Pradesh

Client's Name: Gudiya
Age: 28 Years
Location: Town:-Lala Ka Nagla , Dist. Hathras, State-U.P.
Loan Utilization: Tailoring Business
Engagement in Activity: Self & Husband
Family Member: 5 Members
Total Loan Cycle: 4 cycles
Cumulative Borrowings: Rs. 53,000/-
Client since: February 22, 2010
PPI Scoring (Loan Cycle-wise): 40 – 56 – 80 - 86
Gudiya is a 28 years old housewife hails from Hathras who lives with her Husband (Mr. Pramod) and in-laws and has got one child. Gudiya’s husband, Mr. Pramod was the sole earner of their family who used to do work under someone as a Tailor. His income was not sufficient enough to fulfill even their basic needs. Better life was like a dream for them which were not meant to be real. Gudiya was finding it very difficult to carry out her domestic responsibilities due to persistent money problems. It was then, she got introduced to SVCL and with the assistance of SVCL Micro credit facility, she purchased a sewing machine and cloth raw materials to start their tailoring business. This was like a stepping stone towards their better life.
Initially, she purchased single Sewing Machine to slowly gear up the business. Over a period of time and with the help of SVCL subsequent credit assistances, the no. of machines got increased and later her husband also joined her tailoring business. At the starting, she used to earn Rs. 2500/- as her net monthly income post deduction of raw materials expenses. Now she owned 6 Sewing Machines and has also got 4 people under her for completing the orders. Steadily, her income swelled up to the range of Rs. 2000/- monthly per machine. This micro-credit assistance brought a huge change in her life which gave her courage to transform their life completely.



Kala

Madhya Pradesh

Client's Name: Kala Bai
Age: 45 Years
Location: Village – Thakur Khateek Pura, Dist. Raisen, Madhya Pradesh
Loan Utilization: Statue Making
Engagement in Activity: Self & Husband
Family Member: 4 Members
Total Loan Cycle: 3 cycles
Cumulative Borrowings: Rs. 37,000/-
Client since: January 25, 2012
PPI Scoring (Loan Cycle-wise): 13 – 17 – 22 - 36
Kala is a typical village lady. After getting married with Mr. Nathuram Prajapati, she shifted to Raisen Town in Madhya Pradesh. She is mother of two children. Her husband is a Statue Maker and since beginning, Kala actively involved herself to assist her husband in their small business which was also a single source of income for their living. Initially on 25th Jan’12 to gear up their business for a smooth run, she availed credit assistance of Rs. 10,000/- from SVCL. Gradually, over a period of time, she took two more credits for a better run. That whole amount went to their Statue Making business which allowed them to be affirmative towards life which also helped them to start fulfilling their needs and responsibilities.
With the help of SVCL, like their profession, they managed to shape up and improve their lives.



Gudiya

Uttar Pradesh

Client's Name: Gudiya
Age: 28 Years
Location: Town:-Lala Ka Nagla , Dist. Hatras, State-U.P.
Loan Utilization: Tailoring Business
Engagement in Activity: Self & Husband
Family Member: 5 Members
Total Loan Cycle: 4 cycles
Cumulative Borrowings: Rs. 53,000/-
Client since: February 22, 2010
PPI Scoring (Loan Cycle-wise): 40 – 56 – 80 - 86
Gudiya is a 28 years old housewife hails from Hathras who lives with her Husband (Mr. Pramod) and in-laws and has got one child. Gudiya’s husband, Mr. Pramod was the sole earner of their family who used to do work under someone as a Tailor. His income was not sufficient enough to fulfill even their basic needs. Better life was like a dream for them which were not meant to be real. Gudiya was finding it very difficult to carry out her domestic responsibilities due to persistent money problems. It was then, she got introduced to SVCL and with the assistance of SVCL Micro credit facility, she purchased a sewing machine and cloth raw materials to start their tailoring business. This was like a stepping stone towards their better life.
Initially, she purchased single Sewing Machine to slowly gear up the business. Over a period of time and with the help of SVCL subsequent credit assistances, the no. of machines got increased and later her husband also joined her tailoring business. At the starting, she used to earn Rs. 2500/- as her net monthly income post deduction of raw materials expenses. Now she owned 6 Sewing Machines and has also got 4 people under her for completing the orders. Steadily, her income swelled up to the range of Rs. 2000/- monthly per machine. This micro-credit assistance brought a huge change in her life which gave her courage to transform their life completely.
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