SHGs of Kodathur, K.Manaveli and Kaikelaipattu villages in Pondicherry have started Dairy activity. The groups have gone on exposure visit to Hatsun Agro Product Ltd at Salem a Private Modern Dairy Unit. They have also attended several training programmes on Dairy Management. They have entered into agreement with Hatsun Agro Product Ltd., for supply of milk. . Hatsun makes payment for the milk procured once in 15 days into the groups savings account with the SBI.
StateBank of India, Pondicherry had provided loan to the groups to buy 86 cows at the rate of Rs. 12,500/- each. The groups are only 8 to 10 months old and have savings of around Rs.4000/ on an average. Each group required some amount as loan in order to be eligible to get the loan from SBI. Friends of MSSRF Multiple Donors Bank had given an interest-free loan of Rs. 453,000 ($9000) to enable the group to access bank credit of Rs. 25,00,000 ($50,000) The Project was inaugurated by Dr. Bruce Alberts, President national Defence Academy in Jan 2004.
Trichoderma
Viridi Production
Location
Chockalingapuram
Pudur village, Kannivadi, Tamil
Nadu
Geographical
Map
The Group
Illaya Thendral,Sockalingam
Date
of Loan Disbursement
March 2003
Loan Amount
Rs.60000
(Rs.1,000 from this bank)
Activity
The group availed an interest-free loan to start production of Trichoderma Viridi. They have undergone formal training from the Tamilnadu Agricultural University to produce Trichoderma Virdi. The group had entered into an marketing agreement with an agency for their entire produce from the group. This Bio-fungicide is widely used by the farmers all over country and are in good demand. This enterprise had provided an income earning opportunity for the group members; this income helped them in improving their economic status and in providing their children with better nutritious food, education and housing.
Status
Loan Amount
Fully Repaid
Eco-Friendly
Vehicle
Location
Thirukanchipet
Village, Pondicherry
Geographical
Map
The Group
Masukattupadu
SHG
Date
of Loan Disbursement
May 2003
Loan Amount
Rs. 1,30,000
Activity
The Eco-friendly vehicle was purchased by the SHG by availing loan from Indian bank for Rs. 3,88,000/- in Jan 2003. It is operated as public transport vehicle between Thirukanchi village and Villianur. It is very popular, especially, among women and school going children for it comfortable and smooth ride. On an average the group is having a collection of Rs. 900/ per day operating the vehicle. They have paid loan installments in advance to the bank. The current outstanding is only Rs. 1,13,000/- . They have taken a loan to meet their operating expenses. How ever the group has decided to sell the vehicle as maintenance cost is increasing, due to wear and tear to the vehicle because of excessive use than permitted by the manufacturer of the vehicle.
Community
Fish Pond
Location
Manitri,
Kendrapara, Orissa
Geographical
Map
The Group
Baladev
Jew Swayam SHG
Date
of Loan Disbursement
July 2003
Loan Amount
Rs. 15,000
Activity
The group consisting 17women members have taken digging community pond on contract basis from Grama Panchayat. Started Fishery for a Income generation. This enterprise had provided an income earning opportunity for the group members; this income had helped them in improving their economic status and in providing their children with better nutritious food, education and housing.
Status
Loan
amount fully repaid
Fishery
Location
Christianpetta
Village, Jeypore Dist, Orissa
Geographical
Map
The Group
RAJ Nagar
Mahila SHG
Date
of Loan Disbursement
January
2003
Loan Amount
Rs. 70000
(Rs.4,000 from this bank)
Activity
The group availed interest-free loan to pay lease amount and to buy seedlings for fish culture. The group started fish culture by taking the village Community Pond measuring 7.5 Acres on lease for a period 2 years. They will grow fish and harvest once a year. There is perennial demand for fish. From the sale value they have got enough profit to repay the loan and share the remaining amount among themselves. All the members of this group are tribalsand they had repaid the loan amount taken from this bank.
Status
Loan Amount
Fully Repaid
Terracotta
Dolls
Location
Villianur
Village , Pondicherry
Geographical
Map
The Group
Thamarai
Self Help Group
Date
of Loan Disbursement
January
2003
Loan Amount
Rs. 15,000
Activity
The group availed interest-free loan to buy different type of clays required for making Terracotta dolls. They make small miniature models of animals, Gods and Goddess and sell them once in three months during festive season by putting-up a stall in exhibitions. This loan amount has helped them to increase their production capacity. The job is very time consuming. Terracotta doll making is a traditional skill which has been turned into a commercial business. Now this skill is passed on to others through training.This enterprise had provided 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.
Status
Loan
amount fully repaid
Dairy
& Goat Rearing
Location
Kottapady,
Wayanad, Kerala
Geographical
Map
The Group
Amrutha
SHG
Date
of Loan Disbursement
November
2005
Loan Amount
Rs.
75,000 (Rs.10,000 from this
Bank)
Activity
The members of this group have chosen Goat Rearing as it is giving assured income. Goat Rearing is a renumerative business in this part of Kerela. Rearing Goat is like having cash on Hand. There is continuous demand for Goats and it fetches good price. The group members will multiply the Goats and keeping the younger ones will sell the older goats and this process gives a regular source of income for them.
1. Technology – The group has undergone training on Goat Rearing at our Agrobiodiversity Centre. Because of the success of the other groups in Rearing Goats the above mentioned groups who have gained confidence to start this business, to replicate it.
2. Market – There is sufficient demand for Goat through out the year and Goats fetches good price in all seasons. There is a slight “lull” in the market during Ramzan Fasting days
3. Credit – The groups bringing 25% has their in investment only the remaining amount is being given as loan.
4. Management – Continuous facilitation will be provided by MSSRF
The enterprise has provided 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.
