Day 8 Asha- Kusumpur Pahadi
Today we had the opportunity to meet up with a few members of the community who had taken out bank loans between 2008-2010. Seventeen people in Kusumpur Pahadi have taken advantage of this. It was a privilege to meet them, discuss what they had taken their loans out for and then to walk over to their shops/businesses and see the evidence for ourselves!
Pushba and Dhanbati proudly showed us around the community.
Kamlesh
A year ago Kamlesh took out a loan for 15,000 rupees with which she bought 2 manual sewing machines. Her customers bring their materials to her and she sews the garments, charging them 150 rupees. She earns about 400 rupees every day. With the profits she has been able to buy a third machine with an interlocker and also now employs a younger girl who she is training. she says she earns about 12,000 rupees a month and pays her employee 1200. Her husband is a gardener earning 5,000 monthly, so she earns more than he does. She has 3 children, two girls and a boy and says that the money she earns, after her loan installments , is going towards getting a better education for her children.The lady on the right now runs a small sewing business having taken out a loan for 2 sewing machines.
Kamlesh is on the right of the photo
Nigel and D listen to the loan stories.
Kanchana
Two years ago Kanchana (who has lived in Kusumpaur Pahadi for 30 years) took out a loan of 30,000 rupees in two installments, first 20,000, then 10,000 to start her Beauty Parlour business. She had completed six months training which was being offered by the Rotary club for 15 rupees a month (about 25p). So with a 90 rupee investment she was on her way! She gives her teacher free treatments!
Now she gets at least 15 customers every day and makes about 500-600 rupees profit daily, unless it is wedding season (Feb)when she can earn up to 2,000 rupees profit!
The picture below shows Kanchana's daughter, who works with her. The photo on the left shows her wedding make up!
S Kavitba
Three years ago S. Kavita took out a loan for 50,000 rupees over 5 years,to open a general store. With the profits from this shop, and after the loan repayment, she and her husband have been able to put a down a deposit of 150,000 to buy their own rickshaw which will cost 450,000 in total. Each day, he pays the dealer 400 rupees (he earns about 800 rupees daily). So now they have two businesses and hope to buy a goods carrier in the future.
This is the General Store.
This young girl is sewing her brother's school uniform.
Me buying some stationery from one the "loanies" who is doing very well at exam and admission time!
The lack of water still continues 3 years later, where the community have to rely on tankers to deliver their drinking water supply.
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