Case Study

Thought of Smt. Nupur Mukherjee, Group Leader of Rescue SHG support to poor rural women to ensure gainful employment and income that will help them to improve standard of their living. Smt. Mukherjee, proprietor of Rescue successful entrepreneur and her dreams to set up enterprise to give some modern innovative outlook and established a Sanitary Manufacturing Unit. Most of the women and girls catch many vaginal infections after attaining puberty. The reasons for these infections are usage of dirty and un sanitized cloth during menstrual cycle. This causes many health hazards. One of the prime reasons for this condition is that women and girls from poorer communities cannot afford hygienic prepared sanitary towel. To solve the problem she started to manufacture low cost Sanitary napkin. PaschimbangaGramin Bank, Jangelpara Br., Howrah ahead to financial support to establish her own view. The unit has grown day to day with the annual turnover of Rs.94.25 lakhs at present and providing employment to 31 persons.

Smt. Mukherjee sells the Sanitary Napkin in the Brand name of ‘Rescue’. Order supply has been taken from different Block or Gramin Hospital and Medical Shop. Once she was a House wife and counters part of the family and depends her husband for living. But now her family is known to her name and Idle of New Entrepreneur. Today she is source of employment of 31 persons and improving living conditions of their family.
She started her Entrepreneur Career in the year 2002 at Gaza, Howrah with 5 Muslim community women did not have enough opportunity to explore their ability and prove their mettle in enterprise arena. Their individual skills within the peripheral of their houses did not pay them rich dividends in terms of economic up gradation and social mobility depends on their husbands.
Smt. Mukherjee then came into the picture for self reliance women from socio economic drudgery and commenced to manufacture low cost ‘Sanitary Napkin’. After series of through advocacy and awareness drive with the SHG able to sell the product in rural market. PaschimbangaGraminBank,Jangelpara Br., Howrah was initiated to upgrade the Enterprise and financed to Rescue.

Mr. Sushil Choudhury owns and operates a lathe unit at Kadamtala in the industrial district of Howrah in West Bengal. Mr Choudhury approached a leading private sector bank for a loan in 2011 in order to purchase new machines to grow his business, and to his dismay, was turned down. He then approached Arohan, and after proper scrutiny and due diligence on Arohan’s part, went on to become one of the first enterprise customers of the organisation.

While he has been in business for over one and a half decades, he has been really able to scale his production in the last three years. He has been a Pragati (enterprise) customer of Arohan since 2012. At that time, Mr Choudhury had in his possession only one machine, and now he has four. He has gone on to become a supplier to one of India’s largest private sector manufacturers in the automotive industry, based out of Cochin.

The financial help provided by Arohan enabled him to become a successful manufacturer and also a good employer. His team of employees are happy, and discussed the several amenities, such as mediclaim, that Sushil had made accessible to them. They are also delighted about the new bonus payouts that Mr Choudhury had devised for them. ‘My initial loan was for INR 50,000, and I have never looked back. I have my target set for a new fifth machine, and have already applied for my fourth Pragati loan”, said Mr Choudhury. Ironically, Sushil has been contacted by the same bank (the one that had refused him a loan) for availing their services last month.

Mr Choudhury, is a model example of how a customer was identified and nourished by Arohan in his journey towards becoming a bankable entity. The fact that he and others like him have been able to build an impeccable credit history with Arohan has been an inspiration for banks to take notice these customers, and make efforts to offer them viable banking services.

RafijaBibi has been an Arohan customer in a rural branch in West Bengal for more than three years and these three years have seen a great transformation in her life enabling her to move up the social and economic ladder. Arohan’s policy of providing Saral plus loans with higher ticket sizes to eligible seasoned customers has helped Rafija come out from the vicious cycle of poverty. From using the first loan to generate her own agricultural produce to sell in the market and providing education for her children, Rafija now uses the micro-loans to expand her business and gather produce from others and sell them in the wholesale market. Rafija has fulfilled both basic social needs like education for her children and also a better economic status through the development of business and entrepreneurial skills. According to RafijaBibi, she has been able to increase her income 5 times in the last three years. She is currently servicing a Rs. 30,000 loan with Arohan.
The first access to financial capital plays a vital role in reversing the fortunes of many women like Rafija. Arohan is keen to support Rafija and others like her to grow and become successful entrepreneurs through tailored products such as Bazaar and Pragati.

Anjali Das as like as the village woman in Debipur, Duttapukur, North 24 pgs. Her husband’s name is Naren Das. She has one daughter and one son. Her husband was a day labour. Her husband is not a full time worker. So, it was very tough to maintain the family. Sometimes they have to pass the day without food. There was no future of her children. In this situation her husband becomes death. Anjali Das can see darkness for their children. No any help she gets from her neighbor and relatives. On that time Anjali join as a member of Durga group which was organized by Barasat SAMPARK. First time she apply for 5000/- as a loan. She gets the loan and start doll business. She bought doll from market and sell it to door to door. She received more money from 2nd and 3rd time loan. She saw a dream to establish a doll cottage industry. Fourth loan time she applies for 15000/- takes loan and start a small cottage doll industry. Now her monthly income in minimum 9000/- . Her children now go to school. Anjali is very gratefully to Barasat SAMPARK and she says “Anjali can”.

It was a time Gita felt like she was nowhere when her husband had passed away. Her husband ran a small shop of shoes. Gita had no experience of any business so initially the business was in a close down situation. A resident of Mill Road in Alipurduar district of West Bengal, this widow took charge of the shoe-selling shop. After few days a few days BJS Credit Officer met her in the shop and she approached a loan for enhancing her business.
With the financial help of BJS Gita rapidly grew her business. Gita’s undying spirit has motivated her to approach BJS for a loan and with this financial assistance Gita is now seeing to fulfill her husband’s dream for a bright future for her two sons.
She wholeheartedly thanks BJS.

Sandhya lives with her husband and two school-going sons at Gurdaha, a small village located in the district of North 24-Parganas, West Bengal. She is a 29-year-old energetic entrepreneur who supports her husband in household responsibilities. She is a skilled woman on Aari (a type of embroidery) work. But she found no way to use her skill.
She came to know about BJS and approached BJS for financial assistance to start an embroidery business. With the loan amount of BJS she started her work. By this time she has now a regular list of customers. She makes tablecloth, dupatta, Punjabi and very beautiful embroidery Aari on different sharees. She hopes to get a boost in her earnings through her large sales.
She thanks BJS for giving financial assistance to her in need.

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