As a teenager, all Champa Biswas needed was some fabric paint, a few brushes and some cloth to give play to her imagination. A pastime she picked up from a neighbour soon became a hobby. Champa had to drop out of school after Class 8. When she got married to Buddhadeb Bisw...
Krishna Bhagabati, 33, had to become an entrepreneur to enable her family to survive. When husband Sashindra Sharma met with an accident in 2016, a long period in hospitals left the family without any savings. Sashindra lost his job. Sashindra became suicidal. Not so ...
The five-year-old has simple tastes—her parents make a range of lovely soft toys for a living, but she prefers a teddy bear. Not a “Papri” doll (which is a desi version of a Barbie). Not a cute puppy. Not a Kashmir doll. Just a teddy! Suchibrata, 45, and his sister...
In Chaitali Chokroborty’s business, a moment of carelessness can kill. And she says there have been some close shaves, once when acid splashed on her husband. Chaitali, 35, has been bottling hydrochloric acid and phenyl and packaging bleaching powder since 2003. When Chaita...
Four years ago, Falguni Hazra did not know she was getting into a thriving industry when her son made her invest in rearing ornamental fish. Today, the woman who had no income of her own earns a profit of Rs 25,000-30,000 a month. Dasnagar in Howrah is one of the largest wh...
Kiran Karmakar manufactures something every village household needs: metal pitchers. Piped drinking water is still a dream in many areas. Mahajans from Calcutta supply her metal sheets and headpieces, and she completes them into pitchers using simple machinery and some welding...
Sikha Nag Das, 47, started making candles when she found a good profit in the business in her state. A resident of East Kolabaria village in Tripura, Sikha took a loan from the Belonia branch of Village Financial Services around two years ago to expand her business and to buy ...
For Latika Das, a self-made business woman, Village Financial Services was a lifesaver in 2020, when a loan allowed her to continue batik printing even though markets were shut. Latika, 48 and illiterate, had started with a capital of Rs 40,000 about six years ago—mainly he...
Pigs are actually very clean creatures if one keeps them in clean surroundings: The way Chandra Maya Subba does at her pigsty in Rangpo Forest Village in West Bengal’s Kalimpong district. (If you see pigs wallowing in mud, they are just trying to keep cool since they don’t hav...
For Noorjahan, 38, winter is the busiest season: she sells gur or jaggery in her village in Saharanpur district of Uttar Pradesh. Sugar harvest over, winter is the time when gur production is at its peak. Noorjahan stays at her house in Niyampatpur village...
Sunita Dobhal and her husband Jagadish used to have a bag manufacturing set-up in their house in Bhajangad village in Rishikesh, Uttarakhand. But when Jagadish died five years ago, Sunita had to struggle to keep the “factory” going, even though she had been taking part in the ...
Satyabhama Sahoo is an award-winning terracotta craftsperson in Haldharpur village of Odisha’s Keonjhar district. The village is known for its terracotta work, with almost all families involved in some way. Satyabhama, 40, and her husband Taranisen, 42, have been in the busine...
Monalisha Patra, 36, was unstoppable once she learnt that her hobby could help her make some money. The mother of two, is a resident of Dahigora village in Jharkhand’s East Singbhum district, liked to make decorative items from wood to pass time. One day, she heard about a cen...
Riya Kar likes being on the fast track: She got married in 2013 even before clearing her higher secondary examination, prodded her husband Somnath to set up his own metal stamping and cutting workshop instead of working for others, then had a baby once the business stabilized....
Like most of us back in end-2019, Kalpana Subba had no idea that a prolonged lockdown was ahead. She simply thought her customers would be better served if she expanded her shop’s range. Kalpana, 38, runs a fruit stall set up by her mother-in-law 35 years ago in Lalbazar, S...
Satila Boro, 45, is another VFS customer who creates direct employment and is an important cog of the Indian economy in her own way. A resident of Kadamshali village in Meghalaya’s West Garo Hills district, Satila has been weaving mekhela chadors and gamchas for 20 years now, ...
Four years ago, Pramila Soni, 40, was running a beauty parlour in her home. It kept her busy, but the income was small, and she needed more funds to send her sons to colleges of their choice. She had not gone to college, having dropped out after Class 12, and she was determine...
Love, location and labour: keywords for Palakhi, 33, of Japarkuchi in Assam’s Nalbari. Palakhi had dropped out of school after Class 10. Then, just out of her teens, love happened. She married John Talukdar. John inherited his father’s paan shop opposite Nalbari College in Nal...
Kisa Yadav’s story shows how VFS can be a godsend in times of trouble. Kisa had married into a milkman’s family. Her husband took over his father’s business ten years ago. Things were going fine till 2018 when he injured his leg in an accident. The medical bills for the extend...
Mithu Das, 44, was an ordinary housewife till she decided to attend a workshop on growing mushrooms. Her husband Tapan, 49, is a teacher in a government school and she did not have any compulsion to earn more. They have their own house in Kaliagharh area of Jirat town in West ...
Mamta Bai, 47, is the proud owner of a kirana or convenience store, and an atta chakki, in Navi Bagh near Madhya Pradesh’s capital Bhopal. She has taken a loan of Rs 40,000 and is now in her 4th cycle, which began in March this year. She had almost nothing before she set up...
The COVID-19 lockdown was the second crisis in the life of Khalda, 40, and her family. She had been leading a comfortable life till the June 2013 floods in Rishikesh washed away her husband’s business in Gujjar Plot village and he had to switch from being a roadside car mecha...
Gita Santra, 41, who had taken her first loan from Village Financial Services in 2015, faced a significant setback in her business when the government announced the lockdown on March 24, 2020. Her sequin- and zari-stitching business, in which she had employed 10 part-time w...
Mousumi Das, 38, had one business failure ten years ago. She was determined not to let the coronavirus lockdown cause the second one: scores of workers depended on her this time. In 2010, her sari business failed, leaving her with debts. Her first son had just begun school ...
Sahanara Sardar is thanking her savings habit for surviving the lockdown hit on her readymade garments business: She managed to clear her repayments. Sahanara, who has been a customer of Village Financial Services for 16 years, has applied for a fresh loan after having just...
Achana Dalui, 26, and her husband Narayan are vegetable growers in West Bengal’s East Midnapore district who sell their produce directly in four nearby markets. Each market is open two days a week normally, but their hours have been cut down because of the coronavirus pandemic...
Sabera Begum of Bankra in West Bengal’s Howrah district was lucky that her husband had not given up his small grocery when she took her first loan from Village Financial Services in 2013 to start a ladies’ garments business. The grocery business kept them afloat during the ...
Who doesn't want a bit of colour in their life? Especially if it doesn't cost much. Sarashwati Kumar, 36, of Chhattisgarh's Baraipara village, in Raipur district's Azad Chowk area, figured this out when she wanted to earn some extra money to support her family of husband and t...
Kalpana Barman, 38, had two weapons that helped her survive the lockdown: her trusty sewing machine and her grit. When the government ordered a lockdown on March 24 to stop the spread of the COVID-19 pandemic, her business almost sank. Kalpana, who lives in Jorpatki villag...
During a lockdown, what you make or sell is important, but location can be a multiplier. Anjana Roy, 45, a resident of Mourigram-Duliya in Howrah district, has been a customer of Village Financial Services on and off for nearly 18 years now, having taken her first microfinanc...
