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Jaya BanikJaya Banik, of Tajmohal JLG, developed her family wholesale business of nut, dalmoot, bhujia etc. by taking a loan amount of Rs. 25,000/- only from Village Financial Services, Jolaibari branch.
She used this loan to purchase nuts and other raw materials to grow her business.
Economically self reliant, Jaya is happy with her business and family, as well as satisfied with the service of VFS.
Namita MalikSix years back, Namita Malik, of Pahalampur Village, Hoogly District, was a simple housewife. Her husband’s income from masonry was not sufficient to maintain the family.
In this situation she came to know about VFS. With the support of her husband, she decided to start a business in her own home. She took a loan of Rs. 12,000/- from VFS for the first time & purchased a machine to start a business of stove pins.
Presently she owns different machines for design, cutting & pinning in her new concrete house.
Her four children have been enrolled in school.
She has been hailed as a role model of a successful woman in her locality.
Namita is grateful to VFS for supporting her to grow her business.
Ranjita DeviRanjita Devi of VFS Beluri Branch, Bihar, had a small dairy farm. Her husband was a labour in transport business in Purnea Market. The family was barely able to meet the household expenses.
In 2016, she invested a loan of Rs 50,000 from VFS, in purchasing cows.
With 6 cows, at present, her dairy farm produces 20 litres of milk daily.
This increase in purchasing power has given momentum to her plan of expanding the business with the help of VFS.
Now, both her sons have enrolled in English Medium Schools.
As a successful entrepreneur, Ranjita Devi is a true inspiration for all of us.
Tulshi PaulTulshi Paul of Islampur has been associated with VFS for the last eight years.
She had taken her first loan from VFS, Islampur branch, for Rs10,000/- to start supari business.
Tulshi and her husband’s endless hardwork has allowed their business to thrive.
Today their daughter is studying in college.
She has employed ten women in her business for cutting and packing the supari. Tulshi’s husband helps her by selling the supari in the retail market.
Tulshi Paul has decided to continue her association with VFS to grow her business further.
Mitini NagashiyaMitini Nagashiya says, "This would not have been possible without the help of VFS, I salute the noble mission of the organization".
Mitini Nagashiya, her husband and three of their children lived in the Kharibari block of Darjeeling district in extreme poverty. The condition of their house was more or less inhabitable. Her husband used to work as a daily wage laborer in a tea garden. While he was the only earning member of the family his income was also quite irregular. Bearing the regular expenses of the family was getting more difficult by the day. The overall condition of the household was quite miserable.
In 2014, Mitini decided to contribute to the family income but had no funds to start any income generating activities. After a few days a VFS representative came to her home and advised her to become a member of a Joint Liability Group. Inspired by the VFS representative, she took a loan of Rs. 15000/- from VFS, Kharibari branch, to take lease of a piece of land for cultivation.
As their income improved, her family could repair their home and the children started going to school.
She has also taken a 2nd cycle loan of Rs. 20000/- to take more land on lease for cultivation.
Anita HalderAnita Halder of Hatsimla village, Nadanhat , Burdwan got married at a very early age. Her husband Bharat Halder had no fixed income. She had to return back to her maternal house where they somehow managed to stay in a house fenced with straws. The family was pushed to its brink, trying to sustain from hunger and poverty.
At this time Anita came to know about VFS. A VFS representative promised her all kinds of support including financial support to become an entrepreneur. She joined a joint liability group in her village and took a loan of Rs. 20000/- from VFS, for the 1st time, to buy a weaving machine.
From the income from the weaving machine she repaid her installments and went on to take multiple cycles of loan t increase her infrastructure. Now, she owns 3 weaving machines.
She is running with fourth cycle loan of Rs. 34000/-. From her earning she has built a house with cement floor. Her daughter is a student of class IX and son reads in class II, which is of great satisfaction to her. Now, she is a happy working woman with her husband and children.
In her words, “I will never forget the role of VFS, which has helped me to change our lives”.
Aparna MitraVFS aims to empower borrowers by helping them build a business which can create income and grow. One such borrower is Aparna Mitra, Nimta, North 24 pgs.
Five years back, Aparna’s husband passed away. Widowed with a son and living in a small house, she became helpless. She has no way to feed her son. Her husband used to run a business of making candle which shut down after his death. But she never lost her mental strength.
Meanwhile, she came across a representative of Village Financial Services and came to know how VFS supports the poor women in remote areas of the country to help them become self-sufficient. Aparna started taking loans from VFS to make up for the loss of her husband’s income. She became more self-sufficient as her son got older and was able to fulfill her dream of opening a small business.
On 25th July, 2012, she took a loan of Rs. 8000/- from VFS for the 1st time to revive her husband’s candle making business. Since then, she has taken multiple cycles of loan to grow her business and so far she has taken a total loan of Rs. 91000/- from VFS. Now she has 8 employees under her.
Aparna said, “Before I met VFS, I had no hope” she added, “now I have my own business and my life has improved. My goal now is to buy my own house and to look after my son’s education”.
Archana BhattacharyaVFS provides sustainable income generation opportunities for underprivileged women in the villages. It extends credit and complimentary financial services to households, entrepreneur and small business owners which create and sustain jobs, reduce poverty and empower their clients, particularly women.
One such woman is Archana Bhattacharya of Ariadaha, Belghoria. It is hard to imagine that once she has gone through an endless struggle against poverty. To support her family, she took training on beautician course and used to go to the customer’s place as and when she got a call.
At that time a VFS representative came to her place and explained her about the services they provide. Archana joined in a self help group in her village and took a loan of Rs. 5000/- from VFS for purchasing beauty products. That time her average monthly income was Rs. 2000/- per month. She was then thinking of getting a permanent place for providing service.
Initially, she has taken a room on rent for beauty parlour but now she has her own beauty parlour and her present outstanding loan amount is Rs. 30000/-. She is now earning around Rs. 10000/- per month. She expresses her gratitude to VFS for helping her change her life.
Dipti AdakMany of the successful have started with nothing and, through hard work, talent, grit, and a bit of luck, managed to rise to the very top level.
Dipti Adak of Panchanantala is one such woman who had a hard life to lead. She was struggling with her husband and two daughters. Her husband was in the business of making goods like hammer, saws, door handles, window latches, gas lamps, etc. from iron, but it was not running well. Work was not easy to come by. All she could manage was a job as a daily wage worker.
During this time, she met a VFS representative and on his advice she joined a Joint Liability Group in her village and took a loan of Rs. 3000/- from VFS, Balitikuri branch with the intention of helping her husband in his business.
But she had a strong desire to do something on her own. With that strong desire to do something she started a business of making different goods of sequins.
As of date, her outstanding loan amount with VFS is Rs. 50000/-, with a savings of Rs. 400000/- from the two business. She has arranged her elder daughter’s marriage in a good family. Dipti Devi, her husband and their youngest daughter are all involved in running the business successfully. She also employs around fifteen (15) to fulfill orders from her.
Dipti Adak is now a happy working woman. She is handling her business as well as household with same efficiency. For all these things she is grateful to VFS.
In her words, "VFS has changed our lives".
Malati MaityMalati Maity is a resident of Alankarpur village, Ramnagar Block, East Midnapur, with her husband and 2 children. She used to work for someone else, preparing handicrafts with shell.
She decided to quit the job to become self-employed, and met a representative of VFS, the best decision she has ever made. With the promise of all kind of support from VFS, she was convinced that she could build a business on her own, and offer a good life to her children.
Inspired from VFS representative, she joined a Self Help Group and took a loan of Rs. 10000/- from Ramnagar branch of VFS and started making handicrafts from shell on her own.
After the repayment of the said loan, she has taken multiple loans of Rs. 12000/- , Rs. 15000/-, Rs. 24000/- and Rs. 30000/- respectively to extend her business.
She is making different kinds of handicrafts items like idol of different Gods and Goddesses and various types of decorative items with shell. She also prepares customized items according to the order.
Her average monthly income has risen to around Rs 20000/-, helping replace her kaccha bari with a pakka bari, open a savings bank A/c. Her son is going to a renowned school with her daughter married in a good family.
In the words of Malati, "Now I have become self sufficient which would have not been possible without the support from VFS”
Menaka RoyMenaka Roy, a mother of two of Bhupatipur village, Munshirhat, Howrah district, was struggling with poverty along with her husband Pratap Roy. They were not even able to fulfill their basic needs. Her husband was a daily labourer with irregular income. In her words, "I was not sure whether I will be able to feed my children tomorrow or not”.
In 2011, she came to know about VFS from her neighbor. She got convinced that VFS provides micro-loans while empowering the borrowers to generate income of their own by providing various skilled based training. Then she joined a self help group and took a loan of Rs. 6000/- from VFS, Munshirhat branch to start a business of making bamboo baskets. She purchases bamboos from 15 different markets and runs a wholesale business at Munshirhat market.
She has taken multiple cycles of loan from VFS for her business, totaling to Rs. 85000/-. Her present business capital is Rs.150000/- . The business is growing and she has also involved her husband.
Recently, she has bought a land of 5 kathas from the income of her business. Both her children are going to school, making her a proud business woman.
She is grateful to VFS for helping fulfill her dreams.
Sandhya RoyVFS involves extending small loans, savings and other basic financial services to people that do not currently have access to capital. It’s a key strategy in helping people living in poverty to become financially independent, which helps them become more resilient and better able to provide for their families in times of economic difficulty. Sandhya Roy of Daralhat village of Dakshin Dinajpur is such a woman, who benefited from VFS. Her husband is the only earning member of the family. His small income was not sufficient to fulfill the basic needs of the family consisting of his son, daughter-in-law and grandson. Sandhya devi was thinking of doing something to help her husband to run the family smoothly. But due to the lack of fund she was not able to do anything. That time one VFS representative came to her house with a promise of providing every kind of support including financial support. She joined in a Joint Laibility group and took a loan of Rs. 6000/- from VFS to start a Nursery business in a vest land. Initially her income was negligible but gradually she has taken multiple cycle of loan to extend the business. Currently she is running with a 6th cycle of loan of Rs. 30000/- . Now her business is running very well and she has converted it to her own land. She is very happy with her business as she has been able to bring smile each of her family members. Sandhya said,” today I am able to bear all the expenses of my family, which would have not been possible without VFS”
Anima Roy“If by strength is meant moral power, then woman is immeasurably man's superior”. – Mahatma Gandhi
Women entrepreneurs, when successful, act as a change maker in their families and society and inspire others to become self reliant and take up entrepreneurship. Their success helps families, society, and regional economies by contributing to the growth of the nation.
One such success story lies behind the life of Anima Roy of Rajnagar village, Uttar Gomoti district, Tripura, who undertook to advance her own and her family’s economic well-being. Having born in abject poverty, married to a small farmer she has two children. Her husband’s income was not enough to fulfill their basic requirements and to provide their children basic education. She was thinking of doing something to help her husband and to support the family but due to lack of sufficient fund she was not being able to do anything .In this circumstances, she was forced to take risk, became courageous to come out of her home and participated in an income generating project with the help of Village Financial Services which motivates women into entrepreneurship, ascertain the challenges faced by women towards entrepreneurship development. VFS empowers women and provide necessary mental confidence for entrepreneurship.
VFS representative advised her to become the member of joint liability group (JLG) and accordingly, Anima came to Udaypur branch of VFS and took a loan of Rs. 14000 from VFS to start a business of Rubber processing and a small shop of stationary products. Her business is growing day by day and she is planning to take 2nd cycle loan to expand her business .She thanked VFS “ VFS has helped me run my business, they have changed our life, my children are going to school, which would have not been possible without help from VFS..”
A small loan paired with good training can launch a woman into business, bringing change to her family, which is the primary objective of Village Financial Services.
Barnali BanerjeeBarnali Banerjee of Parambua village , Dhaniakhali Block, Hooghly district is a simple house wife She was struggling with poverty with her husband, and two children. Her husband used to work as a tailor which was far from meeting the basic needs of the family. This situation played a great role in pushing her into primary earning role. Both of them decided to do something on their own. They had an idea to start a stationery shop. But they didn’t have the required capital to start the shop. They tried to get loan from banks and other sources but could not avail because bank asked for collateral which they were unable to provide. This time Barnali met a VFS representative who promised her all kinds of support including financial support by providing small loans. So, they have taken steps to start, rejuvenate and grow their small businesses with the stationery shop. In the month of March, 2016, She took a loan of Rs. 20000/- from VFS for the first time. With the money, they started the stationery shop behind a school in their locality, which Barnali dreamt of. Apart from books and other stationery goods, they started operating a Xerox machine. She has taken a total of Rs 76000/- loan. Now her outstanding loan amount is Rs. 36000/-. Now her children are getting quality education. They are living a healthy life which is full of satisfaction. Barnali said,“ My life is far from perfect but I am happy with what I have and working hard to get where I want to be”, she added,” Now I am happy and grateful to VFS for showing me the road where I am today.”
Lebu Rani GhoshLebu Rani Ghosh of Bolpur is another story of woman empowerment. She was starving with her husband, a son and a daughter. Her husband is a farmer and son is working as a daily labor. She came to know about VFS from one of her neighbor and joined a joint liability group in her village which changed her life and made her self-confident. Initially, she took a small loan of Rs. 10000/- and started a business of milk. Through sheer hard work she has been able to grow her business day by day. With the income generated from her business, she has repaid her first loan and took another loan. In this way she has taken multiple cycles of loans from VFS. Presently, she is running with her 7th cycle of loan of Rs. 35000/- . Now, she owns 5 cows and accordingly her business has grown. Her daughter is a student of class XII. She is a inspiration to many other women in her village. She thanked VFS representative for all that has changed her life.
Manimala MannaStories of heroic struggle against odds, survival and eventual triumph have always inspired people, given them hope, courage to figh. Here, the Story of Manimal Manna, which we believe, would ignite our never-say-die spirit and inspire us to become all that we can be. Manimala Manna, of Garbalia, jagatballavpur, Howrah , is a remarkable story of empowerment through collective action.
Manimala, with a strong desire of building a bright future for herself, along with children and husband Ashta Manna, joined a Self help group in her village with the advice from a VFS representative. Now, She is running with a 6th cycle of loan of Rs. 30000/- from Bargachhia branch. She started with Rs. 5000/- and continued with Rs. 5000/- ,Rs. 7000/-, Rs.10000/-, Rs.14000/- , Rs. 20000 and Rs. 30000/-. Initially, she used to make wooden brush . Now she is doing a business of making machinery brush in which she engages few more women of her village in her business making them self sufficient. Her children are going to school now. Not only that, She has been able to build a pakka house for them. Manimala said,” I got every support from VFS to run my business, without their help I could have not reached here”.
Roma SardarWomen are not only more likely to be the primary caregivers in a family. Increasingly, they are primary breadwinners, too. One such woman, Rama Sardar of katolia village, Domjur, Howrah Dist, along with her husband Buddhadeb Sardar , was living in extreme poverty. She recalled the days when she along with her husband , was living in a small hut (Dorma house). Her husband was a daily labor but his income was not sufficient to earn their livelihood. This time a representative of VFS came to her house with the promise to help her by providing small loans, ideas and proper skill development training through its microfinance initiative . She joined a women’s self help group in her village and took a small loan of Rs. 5000/- in the year 2010 from VFS with a strong desire to stand upright in the society. With this amount she started a job of decorating houses at different festivals by cutting thermocol . Then to extend the business, she took 5th cycles of loan of Rs. 10000/- , Rs.15000/- , Rs.20000 and Rs. 22000/- respectively during the period from 2011 to 2016. Now she is getting order for decorating pandals on many occasions like wedding, puja etc. Now she has built a larger living space (pakka bari) for her growing family. She has also opened a shop in the name of “Pushpa Art Centre”.
Rama and the women in her self help group still have a long way to go. Yet this is a remarkable story of empowerment through collective action. The confidence these women had cultivated over time carries as much currency as their earnings. It inspired them to organize themselves and work hard towards building a better future. Now, Roma expresses her deep gratitude to VFS. In her words it would have never been possible without the support from VFS.
Sumitra DeviSumitra Devi of Purnea, Bihar is a house wife. Her husband has a small business of making rice and wheat by processing paddy. She wanted to support her husband to run the family expenses. But she was not able to collect fund which she required to start a business. At that time one VFS representative came to her house with the promise of supporting her by providing small loan. She joined a Joint Liability group in her village and took loan from VFS. With this loan amount, she started a business of cut-piece and tailoring. With the income she generated from her tailoring business she has repaid her 1st loan and then she has taken 2nd cycle loan. Now, her outstanding loan amount is Rs. 30000/- . She has engaged 4 people under her as labour. She has built a two storied house and her children are getting proper education. She is planning to take more loans from VFS as she wants to make her business grow.
Mamoni MondalVillage Financial Services believes that women have a unique position in every society. Real development cannot take place if it bypasses women. VFS is a major role player in empowering employment among rural women. One such women is Mamoni Monadal of charchandanbati village, KalyanI. Her husband, Tulsi Mondal is a daily labour, who could not fulfill the basic needs of the family including his son and aging parents. He was not being able to give his son primary education. Also, he was unable to give proper medicine for his aging parents.
Mamoni was determined to build a future for herself and her son. Also she wanted to support her husband in running the family smoothly. In 2010 she happened to meet a representative from VFS, which was a God gifted opportunity for her. Mamoni became beneficiaries of Micro finance services – an initiative by Village Financial Services that supports the poorest of the poor in remote areas of the country to help them meet their basic needs and become self-sufficient .First, she took a loan of Rs. 5000/- from VFS and started making panipuri at home. They used to sell them in the local area. Gradually, she was able to grow her business of making panipuri. She took multiple loans from VFS. Stating from Rs. 5000/- Now her outstanding loan is Rs. 25000/- . Now she has replaced her small hut with a building, her son is going to school.
Mamoni started with nothing, and was constantly pushed back by society. But she never gave up, and now, her son has a good life. She is living with a power of a mother’s love and a woman’s strength. This has created a new future not just for her son it has empowered her to help other women like herself. The training provided by VFS has given her the confidence to take immediate action.
“The knowledge I gained from the training from VFS has entered my bones, not just my head,” Mamoni siad.
Moyna DebnathMoyna Debnath, her husband and their three children lives in the Village-Dhankoil of Uttar Dinajpur district, West bengal. Her husband is a Farmer by profession; who cultivates mainly Rice and Wheat. He was the only earning member of the family. His income from cultivation was not sufficient to maintain the family expenses and the education of their children, as expenses are growing up day by day but income from cultivation is decreasing gradually. Moyna Debnath was quite at a loss to think the future of their children’s and the family.
In this situation she decided to increase the family income to help her husband but she has no sufficient fund to start any income generating activities. She was quite at a loss, “what to do?” After a few days suddenly a VFS representative came to her home for “Household survey” and advised her to be a member of a Joint liabilities group. Having being inspired from the VFS representative she took a loan of Rs. 6000/- from our Kaliyaganj branch to start a business of Rice making. She boils Paddy and makes Rice and her husband supplies it to the local market. She produces the famous “Tulaipanji” Rice which has a great demand in the locality.
It is a profitable business and her business is growing up day by day. She is now a confident woman and feels proud to be a business woman. At present she has planned to take the 5th cycle loan of Rs 30000/- from VFS to expand her business.
She is very thankful to VFS for supporting her in her bad situation. Now she is a happy and confident woman. In her words, “Today I am able to help my husband to run my family with my own income. It would not be possible without the help of VFS; I am great full to VFS.”
Ganga DasGanga Das of Kumirgor village was raised as a pampered child of her parents but after the sudden death of her father she was forced to leave school after class VIII due to the poor economic condition of their family. She got married to Bapan Das of a very lower middle class family but his income was not sufficient to meet the basic needs of the family. So Ganga decided to do something on her own. She learned weaving from a local institution. But couldn’t afford buying a weaving machine. She happened to meet a representative from VFS who promissed her all type of support including small loan. She joined a JLG group and took a small loan to buy a weaving macahine. She is taking loan from VFS from last 5 years and her current outstanding loan is Rs. 30,000/ -. Now she is able to run the family smoothly, her daughter is studying Higher secondary and her husband is running a business of making furniture. Now Ganga Das is a happy working woman and she is grateful to VFS for everything.
Aruna DeviShe has been associated with village for the past 3 year. She started off by taking a loan form VFS to set up a business of stitching fall onto sarees. As her business grew, she built her own 1 BHK house and supported her son education. Aruna now has ten females working for her with an income of Rs 4000-5000 per month. She plans on employing more female workers to support them and wishes to continue her association with VFS.
Babita DeviBabita devi, Naugachia (BIHAR), A borrower, has been with associated with VFS for two years. She took an initial loan of rupees 10000/- to starts her own Beauty parlor + room owner & agriculture business. Babita and her husband worked very hard for years to allow their business to thrive. She is bearing the expenses of her family and her kid's education and plans on expanding the business in the future.
Sandhya ChakrabortySandhya Chakraborty, an inhabitant of Hariharpur village of Uttar Dinajpur district, West Bengal. Her husband was the only earning Member of the family; who owned a small beverage shop and a Shop keeper by profession but her husband’s income was too small to maintain the family consisting of wife, a Handicapped girl child and a College student son. A year ago it was too hard to run the family with the little income of her husband. She was quite at a loss regarding to family Maintaining and thinking about the future of her children.
In this situation she was thinking of starting income generated activities of her own to improve the financial condition of her family and starts a small business of “Role gold ornaments” but due to insufficient fund the business was not running properly. Suddenly she came to know about VFS from one of her neighbors’ and came to our Kaliyaganj branch and joined a JLG named Mona; which was promoted by VFS. Initially she took a loan of Rs 8000/- to improve her business. Now her business has improved, she has taken the 5th cycle loan of Rs 30000/- from VFS and has decorated a part of her husband’s shop for her business.
Thus the income of the family has growing day by day. At present they have repaired their home and has bought many durable goods for the family. She also saves money for her daughter’s future and for the future of the family. She is very thankful to Village for supporting her in the Bad condition. Now she is a happy and confident woman.
In her words, “I have come out from darkness with the help and support of VFS.”
Sukmati DeviSukmati Devi has four children, One Son is day labour and three daughters are students. Her Husband is a day labor. She lives at Doiwala village of Dehradun District of Uttarakhand. Before Loan taken she had a mall fast food stall without any shade. Now she has a small hotel at Doiwala market. Now her Husband also helps her business. Before loan taken her monthly income was of Rs 6000/- and now her monthly income is Rs 10000/-
Rupali BhowmikRupali Bhowmik, an inhabitant of Tapan village of Dakshin Dinajpur district, West Bengal. Her husband who owned a small beverage shop, suddenly died from Cardiac failure a few years ago. After the death of her husband the shop closed and it was quite impossible to maintain the family consisting of she and her son. She was quite at a loss regarding to family Maintaining and thinking about the future of her child.
In this situation she was thinking to re-open the family shop again but due to creditors and insufficient fund it became impossible. Suddenly, she came to know about VFS from one of her neighbors’ and came to our Tapan branch, then joined a JLG which was promoted by VFS. Initially she took a loan of Rs 8000/- to start the business. Now her business has improved, she has taken the 7th cycle loan of Rs 40000/- from VFS and has decorated the shop.
Thus the income of the family has growing day by day. At present she have repaired her home and has bought many durable goods for the family. Her son reads in the College. She also saves money for her son’s future. She is very thankful to Village for supporting her in the Bad condition. Now she is a happy and confident woman.
In her words, “I have come out from darkness with the help and support of VFS.”
Anjali DasAnjali Das, her husband and their only girl child lives in the Village-Kasba of Dakshin Dinajpur district, West Bengal. Her husband is a Farmer by profession; who cultivates mainly Paddy, jute etc. He was the only earning member of the family. His income from cultivation was not sufficient to maintain the family expenses and the education of their child, as expenses are growing up day by day but income from the cultivation is decreasing gradually. In this situation Anima Roy was thinking about to start an income generating activity to support her husband but due to insufficient fund it was not possible to start any income generating activities. She was quite at a loss, “what to do?” After a few days suddenly a VFS representative came to her home for “Household survey” and advised her to be a member of a Joint liabilities group. Having being inspired from the VFS representative she took a loan of Rs. 14000/- from our Buniadpur branch to Purchase a second hand TOTO for her husband’s part time work; at present she has purchased a COW with the 3rd circle loan of Rs 20000/-.
She is very thankful to VFS for supporting her in the situation. Now she is a happy and confident woman. In her words, “Today I am able to help my husband to run my family with my own income. It would not be possible without the help of VFS, I am great full to VFS.”
Mamtaj BegumThere is a borrower of Suri Branch named Mamtaj Begum who taken loan Rs.10000 (Ten Thousand Only) in the year 2015 for a small business of knitting purpose and also she started a knitting coaching centre at this year who are engaged to her own business which is the greatest instance for women empowerment to her society. Then she has been given Loan amount of Rs.24000 in the year 2016 for same purpose and flourished well. She is now determined to provide better education to her son who is now reading in ITI. She is very grateful to VFS as she improved her lifestyle which she developed gradually with the financial support from VFS.
Gitika DasGitika Das live in Balikueia village in Nalbari with her two sons and Husband Vipul Das.. In 1999 her husband engage in daily work and source of income is very few.. That time they decided and start handicraft business. Gradually by hard work and proper planning improve their business and set up a production unit and purchase a shop for showroom. She got Rs 20000 from VFS' and business capital is Rs 80000. Her two sons are studying at private institutions and now she spend a happy life.
Seeta DeviSeeta Devi has a plastic flower business with her husband. They purchase raw material from Delhi and they making flower at their home. They sale this flower at Haridowar, Gangotri, Badrinath and Kedarnath. She has three children and all are students. She has no other MFI Loan. After the loan was taken their business capital become more than double. Now they are living a comfortable life.
Afsana BegumVFS provides sustainable income generation opportunities for underprivileged women in the villages. It extends credit and complementary financial services to households, entrepreneur and small business owners which create and sustain jobs, reduce poverty and empower their clients, particularly women. One such woman is Afsana Begum of Powakhali branch, Bihar. Afsana Begum, along with her husband Jubair Alam and 2 children had to go through endless struggle against poverty. Then Afsana came to know about VFS. VFS representative promised her all kinds of support including financial support to become an entrepreneur. She joined a joint liability group in her village and took a loan of Rs. 20000/- for the 1st time from VFS office to start a business of Haldi (Turmeric) processing. She is happy that her business is growing day by day. Now she is planning for a 2nd cycle loan. Her children are going to school. Along with this business she has bought a buffalo also. Now is happy to run the family smoothly. She expresses her gratitude to Village Financial to help her change her life.
Sharmila DeviSharmila Devi is one of the borrowers of Sharmila JLG in Kishanganj Branch. She is the resident of Ruidhasha, Kishanganj, Bihar. She is taking loan from VFS for last seven years. In 2010 Sharmila Devi took a loan of Rs. 10000 from VFS for the first time and started a business of old cloth with her husband. Her present loan amount is Rs. 50000. Seven labours are working under her. She is getting order from outside the state also. Now, her son is also looking after this business. Her business is running very well and she is willing to take more loans from VFS next year. Her daughter also helps her mother in this business. Her son and daughter have completed their education also.
Alaka HabarAlaka Habar, W/O Nemai Habar, of Vill+PO- Raspur, PS- Amta, Dist- Howrah, West Bengal.
Before 2010 she had a very small Idol making business. She could not order more due to her capital shortage. Her husband was day labor. They used to live in a small mud house. It was very difficult for them to maintain her family expenses and the educational expenses of her two children. At that time she met VFS representative and came to know about VFS loan product. She joined in a joint liability group, named, Madhumita JLG of Penro Branch. She had taken 1st cycle of loan of Rs-10000 at 2010 and she invested the loan amount in her Idol making business. Gradually she has taken a multiple cycle of loan from VFS and increased her business. At present her loan amount is Rs-26000. She has taken total loan of Rs-80000/- from VFS. At present she and her husband both are involved in this business. Now her total business capital is around Rs-90000/-.
Presently she built concrete house with 2 rooms. Her two children go to high school. She is very happy now. In her word,” this would have not been possible without the help from VFS”. She is very thankful to VFS.
Rina JhaRina Jha of Mishra para, Bankra is associated with Bankra branch, VFS for last 7 years.
Now she is self-reliant and well- established in the society. With a keen desire to increase the earning her family income she met a representative of Village Financial Services. She understands all the procedure and regulations to take loan and joined a JLG group in her village to take a loan of Rs. 20000/- for the 1st time. She started a business of cutting cloth. Initially, she used to involve her husband and son in her business related work. Now she has appointed 3 laborers in the business. Gradually she has taken loans of Rs.20000/-, Rs.15000/-, Rs.15000/-, Rs. 15000/-, Rs.22000/-, Rs.30000/-, Rs.30000/- respectively in the last 7 years from Bankra branch. Now her business capital is around Rs. 1, 50,000/-. She has transformed her old one room house to a 2nd storied building. Her sons are also well established.
In her word VFS has totally changed her life. She is grateful to VFS for all that happened to her life.
Soma DasSoma Das, is an inhabitant of Palpara village of Sipahijala district, Tripura.
Her husband was the only earning Member of the family; who is a Car driver by profession but her husband’s income was too small to maintain the family consisting of wife, two children and mother. A few years ago it was too hard to run the family with the little income of her husband. She was worried about the expenses to run the family and thinking about the future of her children.
In this situation she was thinking of starting income generated activities of her own to improve the financial condition of her family and wanted to start a small business of “Bamboo made fishing trap” but due to insufficient fund she could not do it at that time. Suddenly she came to know about VFS from one of her neighbors’ and came to our Melaghar branch then joined a JLG named Lakhi; which was promoted by VFS. Initially she took a loan of Rs 10000/- to start her business. Now her business has improved. At present she is planning to take the 2nd cycle loan from VFS to purchase bulk raw materials for her business.
Thus the income of the family is growing day by day. At present they have repaired their home, her son is going to a KG School, she is planning to admit her daughter in the school and bought many durable goods for the family. She also saves money for her children’s future and for the future of the family. She is very thankful to Village for supporting her in the Bad condition. Now she is a happy and confident woman.
In her words, “I have come out from darkness with the help and support of VFS.”
Chhaya ChoudhuriChhaya Choudhuri of Lalbag Branch,
She has taken a loan of Rs.8000 (Eight Thousand Only) in the year 2011 for a small business of Fruit Shop. She has also started a Shop for various items in this year. As her business was growing, she has taken a 2ndcycle loan of Rs.20000 in the year 2016 for same purpose and flourished. She is now determined to grow her business and contribute to her family.
She is very grateful to VFS as she improved her lifestyle with the financial support from VFS.
Lakhsmi DeviLakhsmi Devi of Thakurganj branch– 2 sons and 1 daughter– all school going eldest one is studying in class IX; Co borrower, her husband is a farmer. Now she has taken 2nd cycle loan of Rs. 30000/- from VFS for Maize cultivation. She has farming land for Maize and banana. Also, she has a tea garden.
Sumana DasSumana Das of Kona, Parbat para is associated with VFS Balitikuri branch for last 3 years.
For the first time she took a loan of Rs. 10000/- from VFS and invested in her husband’s Hosiery business. Next year she had taken a loan of Rs. 25000/- and invested in the same business. Apart from Sumana and her husband, they have appointed 4 more laborers in this business. Now her current outstanding loan amount to VFS is Rs. 46000/- and her business capital is Rs. 1,80,000/-
Now her financial condition is much better than before. She is very happy to become a successful business women and grateful to VFS.
Supriya SahaSupriya Saha Poddar along with her husband and two children lives in the Village-Santanagar of West Tripura district, Tripura.
Her husband is a Potter by profession; He was the only earning member of the family. His income from the work was not sufficient to maintain the family expenses and the education of their child, as expenses are growing up day by day but income from the business was not growing as per the need. In this situation She was thinking about to start an income generating activity to support her husband but due to insufficient fund it was not possible to start any income generating activities. She was getting frustrated, “what to do?” After a few days suddenly she happened to meet a VFS representative who advised her to be a member of a Joint liabilities group. Getting inspired from the VFS representative she took a loan of Rs. 15000/- from our West Tripura branch to start a business of pot decoration for different occasion. Initially the business was not so profitable but now it is running well. Her husband does the marketing for the product.
Now she is a confidant working women and very thankful to VFS for supporting her in the situation. She said “Today I am able to help my husband to run my family with my own income. It would have not been possible without the help of VFS”
Nilima RoyNilima Roy is the customer of Siliguri Branch, her husband Uttam Roy, she has one son & daughter, her home address Shanti Para, Bhakti Nagar, Siliguri, Jalpaiguri.
Customer use the loan in Agarbatti making business, last three year doing this business. Customer and her husband both are involve in this business. Nilima Roy took 1st loan of Rs. 20000/-, now she take loan of Rs. 30000/-, this two loan use in agarbatti business. Customer makes agarbatti in her house & then sells it in the market.
Her son read in BA final year & her daughter read in class seven, both are very good students. Nilima Roy wants to take more amount of loan from us.