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| Contract Farming |
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| Location |
Reddiar chattram , Kannivadi,
Tamil Nadu |
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| Geographical Map |
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| The Group |
Reddiar chattram Seed Growers Association
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Date of Loan Disbursement |
September 2004 |
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| Loan Amount |
Rs. 1,00,000 (Rs.50,000 from this
bank) |
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| Activity |
RSGA Seed Growers Association is a
Farmers' Association with a membership of more than 150
men and women farmers. These farmers had taken-up 'contract
farming' for cotton. They had taken an interest-free loan
of Rs.50,000/-from this bank. They have used this amount
in buying seeds and fertilizer, and gave themselves daily
wages. They have entered into contract with the buyer,
as they were assured of the sale price and income before
sowing their seeds. The new experience has increased their
confidence in handling a contract job. |
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| Status |
Loan amount fully repaid |
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| Gem cutting |
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| Location |
Thiruvaiyaru, Tanjore,
Tamil Nadu |
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| Geographical Map |
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| The Group |
Anbuthamil SHG |
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Date of Loan Disbursement |
December 2005 |
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| Loan Amount |
Rs. 25,000 |
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| Activity |
The groups were formed Kaudasi, a
reputed NGO working in Thanjavur on formation of SHGs
and linking them with Banks. The groups are 2 years old
and have regular saving habits and are homogenous. The
SHG has started Gem cutting units. Gem cutting is traditional
cottage industriy which has been a source of income and
employment for people of Thanjavur and Trichy District.
Both the groups have been in this business and have considerably
experience. This loan would help them to purchase cutting
and polishing machine, which will lead to employment and
income to other members of the group. They work on job
orders. The get gems in bulk from jewelers and merchants
cut them in different shape and polish them with help
of machines. The are being paid on piece rate by the merchants.
More they work more the income. This will help the group
members earn additional income. |
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Sustainable Self Help Group norms:
- Technology – The group is already in business
and has the necessary skill.
- Market – Both income generating activity
do not have marketing problem as they are working
on job orders.
- Management – VKC MSSRF will provide continuous
facilitation by providing need-based capacity building
training programmes.
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The enterprises will provide an income
earning opportunity for the group members; this income
will help them in improving their economic status and
in providing their children with better nutritious food,
education and housing. The group is able to repay the
loan installments regularly. |
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| Dairy |
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| Location |
Sivaranthagam, Pondicherry |
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| Geographical Map |
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| The Group |
Mahalir munnetra sangam |
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Date of Loan Disbursement |
February 2006 |
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| Loan Amount |
Rs. 80,000 (Rs.25,000 from this bank) |
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| Activity |
The group has started household Dairy
units for income generation. We have been working with
this group for the past 4 years. The group has very good
exposure in managing a Dairy unit as an enterprise. They
have decided to buy 10 cows at an approximate cost of
Rs. 12,000/ each. They will bring Rs. 40,000/- as their
contribution. MSSRF has given ‘interest-free’ loan of
Rs.80,000/- |
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The group has attended several training
programmes at our Bio-centre on Dairy Management. The
group has developed a simple business proposal on their
own and has shown the flow of funds and income that they
will be able to generate. The group has marketing arrangement
with milk Society of Pondicherry (PONLIT). The milk will
be collected from the Collection centre at Sivaranthagam
village and and fornightly payment are made to the group.The
group is able to repay the loan installments regularly. |
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