About the Entrepreneur
                                               
Name:   Maya Mirdha                                          
Location: Phuljhari, Anagapada, district of Anugul
Past activity: House wife                          
Present activity: Entrepreneur                               
Name of the business unit: parched rice enterprise
Previous Income: Nil
Present Income: Rs 2500 per month

Maya Mirdha is 40 years old woman. She is staying with her husband Indra Mirdha and her 4 children at Phuljhari, Anangapara district of Anugul. She is a good entrepreneur of her village. Now her financial condition is good.  She is a credible woman in her SHG and village. Today she is aware of importance of water, health, child education etc.  She was a house wife. She did not know about micro finance loan and SHG. With the intervention of BISWA she became aware about micro finance loan.  Two years back 15 women were united in the form of Self Help Group with the help of BISWA. Today they clearly say that it is only BISWA who made us aware about the value of saving small money. I did not realize that small money which I save can make difference in our lives. SHG not only helped them as a tool for saving but it has opened doors towards their own development. She took loan amount Rs.30, 000 from BISWA through her SHG for livelihood promotion. And BISWA provided her training about the small business Rice processing. This money helped a lot in order to improve their business conditions. She was invested money in the rice production and in purchase of machinery. When it was asked that why she don’t take loans from other sources the women clearly said that loans are not available from other sources at the time of exigencies or if available then it is at a very high interest rate. She is very relaxed to have a support system in the form of SHG which can provide money when and where required.

Parched Rice Production Enterprise
As the farmer community doesn’t have land for agriculture purpose they are required to buy paddy, fuel etc from other cultivators with in or from nearby villages.  This increases the input cost of rice production. Small children unload the material from trolley. Girls and women do weaning, boiling and drying. Male members do roasting and packing etc. All in all every member of the family is involved in the process so it is a labour intensive enterprise which provides money only after hardships. It is really a hot money.

Production
Parched rice is prepared through a long-lasting process of 3 to 4 days depending upon the variety of the paddy crop and weather conditions. For production of one quintal of parched rice it requires 2 quintals of raw paddy. Raw paddy is first weaned manually and then it is boiled in the earthen pots for few hours. The boiled paddy is now cooled by putting it in the cold water tanks for 3 to 4hours. Once the paddy is cool down it is dried for 2 to 3 days in the bright sunlight. And finally it is ready for putting it in the roaster for parched rice. Besides rice two by products husk and poultry feed are obtained in 3:1 ratio. The enterprise provides profit of Rs.2280/- per month with expenses of Rs.4240/- and income Rs.12, 425/-with an initial investment of Rs.30, 000/-

Labour Requirement
From Labour point of view the production process involves 4 to 5 people in order to produce 1 quintal of parched rice. The laborers work in two phases in the whole week for rice production. In the first 3days they procure all the raw material and in the next 3 days they do only roasting and last day are left for marketing of the produce. The whole process is so tedious and health hazardous to the people involved in making finished rice. It is very difficult to breath at the places where roasting took place. This shows the extreme drudgery and hard work.

Marketing of the Produce                                                                    
Easy availability of the market is one of the major pillars of a successful enterprise. The market where the parched rice producers sell their products is available with in the territory of 3-4 Km on Athamalik. She disposes their produce in the Athamalik on Haat and got good prices from the buyers. In the whole process of marketing we cannot see the middleman and that’s why they got the right price for their produce. She earned more profit from retailing because the produce is sold at higher cost. But she prefers to dispose the rice in the whole sale market because it gives them regular and large amount of money. According to the producers, there is one more advantage of whole sale marketing i.e. she built a relationship with the buyer through regular business which helps when there is immediate need of money.

Impact
The micro enterprise approach of BISWA helped these small producers to regularize the production process and so as to the enterprise. According to Maya “I have invested the money which I took from BISWA into rice and now the profit from rice sale helps me to give some money to my son in order to open a new shop.

The Journey has begun
With the assistance of BISWA’ Laxmipriya Enterprise the villagers are able to expand their business and at the same time through SHG the women are making their family life better. She is aware about of importance of education, good health and sanitation. BISWA has given few inputs on technical aspects of rice production but as the production process is very much tedious, difficult and hazardous and at the same time they face a lot of difficulties, still there is a scope to evolve better and safe techniques to produce parched rice so that producers could produce more rice with less harm.

Case study-2
About the Entrepreneur

Name: Swarnalata Rout
Location: At-Chhatrali, Po-Thalsada, Via-Bahanga, Dist-Baleswar
Past activity: House wife
Present activity: Entrepreneur                                              
Name of the business unit: Spices unit                     
Previous Income: Nil
Present income: Rs. 2000.00              

Swarnalata Rout is a 37 years old woman of Chhatrili village, Po- Thalasada, Via Bahanga District of Balasore. She is staying with her husband Umakanta Rout and her two children.  She is a credible woman in her village. Because she is the qualify woman in her village. She has leadership quality. Now she is teaching about health, child education, water & sanitation to the village.She was very poor woman. Her economical condition was very week. She had some idea about SHG but she didn’t get chance to form the SHG. With the intervention of BISWA she was getting chance to establish a SHG. They are saving @ 50/- per member a month. She took loan amount Rs. 30,000/- from BISWA through her SHG. She decided to start a business. BISWA provided her EDP training about small business (spices industry). She had lack of idea about marketing.  BISWA provided business development service. She purchases a machine. Her mother in low helped in the spices packaging.

Now she is preparing turmeric and curry powder, Chilly powder, Papad etc. She is getting more profit from her business. She is selling her product through LAXMIPRIYA ENTERPRISE of BISWA. Now her monthly income Rs.2000/-.Now her financial condition is good. Now she is able to provide good education to her children and she want increase her business.

Case study-3
About the Entrepreneur

Name:  Sakuntala Baral 
Location: Nuagopalpur, Nimapara, district of Puri
Past activity: House wife
Present activity: Entrepreneur                                              
Name of the business unit: General Store
Previous Income: Nil
Present income: Rs. 1000.00               

Sakuntala Barala is the wife of Prafulla Baral. She is 35 years old woman. She is staying with her husband and two children at Nuagopalpur. Her educational qualification is 7th standard. Now her financial condition is good.  She is a credible woman in her SHG and village. Today she is aware of importance of water, health, child education etc.   She is very happy for being a SHG member of BISWA.Sakuntala had tough life to mange her four member family with a meager and irregular income of her husband. Her husband an auto Rickshaw Driver was earning a scanty of opening of RS 800 to1000 a month.  It was difficult to manage the family. Before joining of SHG She was a house wife. She did not know about SHG and Federation. With the intervention of BISWA she became aware about micro finance loan and SHG. Then they started a SHG within 15 members of women with support of BISWA. And they are saved 50 rupees per month.  She thought of opening a betel shop to supplement of her family income. Being a member of SHG a loan from it was the only alternative before her which was quite insufficient.

A sizable loan amount of Rs. 30,000 from BISWA was a blessing for Sakuntala at this crucial moment, with this loan support, she expanded her existing business by procuring some additional stationary items. She bought a fridge for the shop to attract customers with soft drinks, sweet curd, butter milk etc. Sankuntala was wise enough to capture the market by offering telephone services to her customer at her shop by opening a telephone booth. All this has enabled Sakuntala to stand in the competitive market with great confidence. Multiplication of business enabled her to earn five times more than what heaver she was getting earlier. With the timely and adequate support from BISWA, Sankuntala is able to augment her family income which has helped her to meet the expenses of education of her child, family consumption needs and repayment of old debts. She cleared all the payments to BISWA in time. Being encouraged, she has applied for a second loan from BISWA out of which she proposes to buy an auto rickshaw for her husband. Today she is proud of BISWA for making her dream into reality. With a smile she says: “thanks BISWA for in time hassle free adequate financial support to augment my household income.’’ This has enabled her to lead a life of dignity.

Case Study-4
About the Entrepreneur                                                

Name: Chouri Dei
Location: Ushapatana, Narendrapur, Nayagaraha, Orissa
Past activity: House wife
Present activity: Entrepreneur
Name of the business unit: Grocery shop
Previous Income: Nil
Present Income: Rs. 1,500.00 per month

Chauri Dei is 43 years old. She is the wife of Krushna Das. She is staying with her husband and children. She is belongs to Ushapatana, Narendrapur district of Nayagarh. They are both literate and both completed their 5th level of education.  Presently they own a small provision store in the village of Ushapatana.  All of Chouri, s children are currently in school.The financial condition of Chouris's family was very poor before she joined her Self-Help Group (SHG).  During the rainy season, the family was completely dependent on their income from selling food grains.  They had no stable source of income.  The family had no savings and inadequate food and clothes.  Whatever they earned in a day would be spent immediately for basic survival.Chouri’s found herself completely excluded from society.  She never had exposure to a bank and was cut off from her village. There was little to Chouri's life beyond the four walls of her own home.

With the intervention BISWA Chouri and her husband first heard about the Self-Help Groups and Micro finance loan. Chouri joined a SHG who used to save 50 per month. Chouri’s took a loan of Rs.1, 0000.00 rupees to start a small provision store. BISWA provided her training about small business. She started her grocery shop. She has never had any difficulty repaying her loans and has even paid ahead on many occasions.  On average, gross sales from the shop each day range from 500-700 rupees resulting in a monthly net profit of between 1500-1700 rupees.  Chouri enjoys working at her shop but ads, "This is not mine, and it is the group's shop."

It is said that the "fruits of hard labour are sweet."  This saying suits Chouri as her efforts are finally being rewarded.  Today Chouri has her own self-identity both socially and in her own family.  She considers the other group members to be friends and they all look upon her favorably.  Her family enjoys decent living standards.  Chouri and her husband are now able to keep their children clean with three pairs of clothes each rather than only the one pair each had before.  Chouri and her husband have taken out life insurance policies through BISWA Micro insurance. Chouri has dreams of building a brick house for the family.  In the near future she plans to take a loan to level her land for better farming.  She also wants to expand her shop and stock it with a wider selection.  Clearly confidence and hard work have profoundly impacted her family's situation for the better.

Case Study-5
About the Entrepreneur                                                

Name:  Promodini Jena                                                    
Location: Balyamba, Chapar district of Dhenkanal
Past activity: House wife                          
Present activity: Entrepreneur
Name of the business unit: Goattary farm.
Previous Income: Nil
Present Income: Rs. 800.00 per month

Promodini Jena is a 45 years old woman of Balyamba, Chapar, district of Dhenkanal. She is staying with her husband Mr.Chaityanya Jena and her children. Before joining SHG she was very grim.  At their home in the family owned 5 goats, 4 hens and 3 cocks. With the intervention of BISWA she knew about micro finance loan. After joining the SHG she took loan Rs10, 000.00 from BISWA through her Self Help Groups. BISWA provided her training about goatary farm through VS. She bought 6 goats from market. Then she established a goatary farm in her own place. At first she was no idea about market but as the small enterprise established and got a very good response from the locals, she was motivated to spare most of her time.

She repaid her loan amount regularly on time. After investing this loan amount she could make profit. Her monthly income is 800 rupees per month. Now she is selling mutton through her husband, and her loan 100% repayment rate and she got confidence about her business and proved her self. As for changes in social condition are concerned in Promodini’s family, food consumption has better now. She was able to educate as her daughter & Sons. Her extensive field experience had made her realize how much of the business activities are done by women in small and marginal holdings.

Case Study-6
About the Entrepreneur
                                               
Name:  Sanjukta Naik                                                    
Location: Luhamunda, Vikashoregiri, district of Anugul
Past activity: House wife                          
Present activity: Entrepreneur
Name of the business unit: Vegetable cultivation
Previous Income: Nil
Present Income: Rs.1, 250.00 per month

Sanjukta Naik is a 37 years old woman of Luhamunda, Via-Kishoregiri, district of Anugul.  She is living with her husband Mr.Nadhua Narayan and her 3 children. Her current assets 3 acre of land, seven goats, two cows, two baby cows, two oxen and one buffalo. Now she is a credible person in her SHG and village also she is very happy of being a SHG member of BISWA.Before joining the she was a house wife. With the intervention of BISWA she became aware about micro finance & SHG. With the support of BISWA and She became a member of the SHG, hence she took the loan of Rs. 8,000/- micro finance loan from BISWA. She decided that amount will be invested in her agriculture Field. BISWA provided her training on vermin composting and guidance about agriculture. And she purchased seeds of vegitable chemical fertilizer, and also started vegetable cultivation, like as Tomato, Chilly, Potato, quail flower, cabbage etc. She sold her vegetables in her nearest markets.

Her family members get sufficient direct nutrition. This Year She has earned Rs.15, 000/- from vegetable cultivation. Now her living condition is good. She is able to produce more vegetable from her own land. She is treated as an efficient farmer in the village.

Case Study-7
About the Entrepreneur                                         

Name: Abhi Dei
Location: Manapur, Nayagara, Orissa
Past activity: House wife
Present activity: Entrepreneur
Name of the business unit: Agriculture
Previous Income: Nil
Present Income: 1,200.00 per month

Abhi Dei is 57 years old .And wife of Khatia Biswal. She is belongs to Manapur village, district of Orissa, Nayagara. She is staying with her husband and one son and two daughters.  Her family's main source of income is farming.  Both she and her husband reached the 8th level of education at school before leaving; both are literate.She earned 1500 rupees a month working there for four to five months out of the year.  Economically, the family struggled everyday.  They did not have enough food or clean clothes, and they did not bathe often.  They frequently turned to moneylenders to make ends meet.  For a typical loan, the moneylender's would charge 5% interest and take her jewelery as collateral.  For a loan of 1000 rupees, she would only be given 950 outright and then charged 5% each month on the remaining balance until it was paid off.

Although Abhi was a contributor in family decision-making, she did not have a proper social status in her community.  She was not free to make her own decisions regarding where she went within the village. With the intervention of BISWA she was aware about Micro finance loan. Abhi saved 50 rupees and joined SHG.  And she took out her loan for 5000 rupees buy seeds for farming. BISWA provided her training about vermin composting.  She has never had problem meeting loan repayments.  Her income from the sale of milk and vegetables has provided enough money to occasionally repay more than the minimum monthly payment.

Today, Abhi’s family owns four cows, two goats, and one well with a water pump that is used to irrigate their farmland. She is the lead decision-maker in her family and is well regarded within the community.  She has developed friendships with the women in her SHG that she never had before.  "Now I am self-dependent due to the SHG group and a confident person," says Abhi Dei. She will continue farming and hopes to expand her milk business.  There is also talk within her SHG of pulling money and buying a flourmill together. Now her monthly income is Rs. 1,200.00

Case Study-8
About the Entrepreneur

Name: Kuma Hantal
Location: Kandaguda, Gumma, Malkangiri,Orissa.
Past activity: House wife
Present activity: Entrepreneur
Name of the business unit: Vegetable cultivation.
Previous Income: Nil
Present Income: Rs. 16, 66.00 per month

Kuma Hantal is a 45 years old woman of Kandguda village, Gumma block district of Malkangiri, Orissa. She is staying to with her husband and three children. People in the area used to face serious problem of food insecurity. She is now a credible partner of her village development and most of the village people have a great appreciation for her initiative in her ensuring a sustainable livelihood option for her family. Now she is very happy of being a SHG member of BISWA. Before Joining SHG she was a house wife. With the intervention of BISWA she got idea about BISWA micro finance loan. With the support of BISWA and She became a member of Maa Thakurani SHG, hence she took the loan of Rs. 10,000/- micro finance loan from BISWA. She decided that amount will be invested in her agriculture Field. BISWA provided her training on vermin composting and guidance about agriculture. And she purchased Groundnut, chemical fertilizer, and also started vegetable cultivation, like as Tomato, Chilly, Potato, quail flower, cabbage etc. Her nearest market is Gumma. She sold her vegetables in that market.

Her family members get sufficient direct nutrition. This Year She has earned Rs.20, 000/- from Groundnut and vegetable cultivation. Now her living condition is good. She is able to produce more vegetable from her own land. She is treated as an efficient farmer in the village.

Case Study-9
About the Entrepreneur

Name: Srimati Baral
Location: Kasinipara, Umarkoat, Nawarangpur Orissa.
Past activity: House wife
Present activity: Entrepreneur
Name of the business unit: Grocery shop
Previous Income: Nil
Present Income: Rs.1, 800.00 per month

Srimati Baral is 36 years old woman of Kasinipara village, Umarkoat block district of Nawarangpur, She is staying with her husband and two children. Before joining of the SHG Srimati Baral was a house wife. Her husband’s income was not sufficient for her family need. Her financial condition was very week.   With the Intervention of BISWA she became aware about the finance ace ability for the poor through micro finance. Srimati Baral a member of SHG Radhakrushana, She took Micro finance Loan of Rs.12000, 00 from BISWA through her SHG. BISWA provided her training on small business. And she established grocery shop. 

She got very good profit from her grocesary shop. Every day she is getting profit Rs. 60 to 70 except her loan repayment. Now she is able to stand increase her business.

Case Study-10
About the Entrepreneur

Name: Moti Madi
Location:
Past activity: House wife
Present activity: Entrepreneur
Name of the business unit: Bamboo work
Previous Income: Nil
Present Income: Rs.1, 000.00 per month

Moti Madi belongs to Baliguda village, Gumma Blok, district of Malkangiri. She is staying with her husband and three children. Today, Moti is very involved in her group. She is the Secretary of her group.Moti Madi koted works on a basket family found work as day labourers.  During the rainy season, the agents stop coming to visit Moti’s family.  There is less demand for the products overall, particularly for the baskets that are often used at construction sites which are shut down during this season.  As a result, the family sells what they can in Baliguda village.  On average, they will sell around 10-15 baskets twice a month in the village compared to 25 baskets during the winter and summer seasons.  As a result, before joining her Self-Help Group, during difficult periods like this Moti and her husband were often forced to use moneylenders at rates ranging as high as 10% if they refused to give up jewellery as collateral. Before joining With the intervention of BISWA, She was aware about Micro-finance loan. BISWA started a Self-Help Group called Maulima-19 that was forming in Baliguda. 

Moti took Micro finance loan Rs.5000 for purchasing bamboo and export. BISWA provided her training on bamboo craft.  To cut costs even further, the family began planting their own bamboo trees.  Although the trees were planted three years ago, it will be another two years before they will be ready to utilize for weaving.  Still, growing their own raw material is extremely beneficial.  Currently, they have to pay 500 rupees to rent a truck each month and bring in a load of bamboo.  Also, the bamboo costs around 60-70 rupees per stick.  One bamboo stick can make around seven baskets.  Usually, the family can only afford to buy around 50 bamboo sticks per month after factoring in the transportation costs.  She is the first person the women go to when they have a problem or need advice. The group in general is doing very well and now each member contributes 100 rupees per meeting towards the group savings.    She says that she usually has no problem repaying the debt, but on occasion she has missed a payment if that money is needed instead for a family member's sickness or another priority.

Moti has no clear plans for the future and prefers to take things one day at a time.  She wanted her children to continue their education and get jobs but they seem to keep failing out so they end up working at home as bamboo weavers.  Still, Moti is overall happy with the progress she has made in her life and enjoys her SHG involvement. "Because of the group," said Moti, "We are not blocked by the scarcity of money; there is always enough.” Now her monthly income is Rs1, 000.00

Case Study-11
About the Entrepreneur

Name: Prabhasini Ray
Location: Parkline, Jaipur, Koraput
Past activity: House wife
Present activity; Entrepreneur
Name of the business unit: Sweet store
Previous Income: Nil
Present Income: Rs.3000. per month

Prbhasini Ray belongs to Parkline, Jaipur, District of Koraput. She is 41 years old and she is staying with her husband and three children. Before Joining the Group she was a house wife.With the intervention of BISWA in Jaipur, She became aware about the finance ace ability for the poor through micro finance. With the help of a social organization, under BISWA support And She became a president of Jai hanuman SHG   Hence, she took the loan of Rs. 10,000/- micro finance loan from BISWA. She decided to start a small business. And BISWA provided her training and guidance to start selling sweets and sodas. Currently she owns her own stand. Prbhasini wakes up very early in the morning in order to prepare breakfast for her children, and then she goes and works all day (sometimes even past midnight) in her business., Prabhasini will fix her stand and buy merchandise such as sodas, sweets, and other products. Prabhasini is a very hardworking woman. She puts all her efforts in order to provide the best for her children and improve her finances. Now she has got profit 100 Rupees per day.

Case Study-12
About the Entrepreneur

Name: Chanchlarani Sahu
Location: Sanabarada, Undercoats, Nawarangapur, Orissa
Past activity: House wife
Present activity: Entrepreneur
Name of the business unit: Saree Business
Previous Income: Nil
Present Income: Rs. 700.00 per month

Chanchalarani Sahu is 44 years old woman a native of Sanbarada village, Umarkoat block of Nawarangpur District who belongs to poorest of the poor family.Before joining BISWA She was a house wife. With the intervention of BISWA in Nawarangpur She became aware about the finance ace ability for the poor through micro finance.   At this situation Chanchalarani became the member in the SHG followed by BISWA. As part of Livelihood intervention plan, Chanchalarani opted to start Saree business to support her family. Chanchalarani got Rs.10000/- loan from BISWA Immediately she went to Adoni and purchased Sarees from a wholesale shop. She sold all the Sarees and got Rs.12000/- business. Out of this Rs.700/- is the net profit in the same month. She also stated repayment to BISWA.
Invest                     Rs.10000/-
Expenditure             Rs.1300/-
Total income            Rs.12000/-
Net income               Rs.700/-
From this she gets her wages and she is planning to improve her business after repayment of the loan.

Case Study-13
About the Entrepreneur                                                

Name: Malati Debi                                         
Location: Manapur village, Nayagaraha, Orissa
Past activity: House wife
Present activity: Entrepreneur
Name of the business unit: Vegetable cultivation
Previous Income: Nil
Present Income: Rs. 1,200.00 per month

Malati Debi is 47 years old Woman, Manapur Village, district of Nayagara, Orissa. She is staying with her husband Mr. Parikhita Senapati and her four children. Parikhita worked as a day labourer on farms his earning around 40 rupees a day.  Luckily, they managed to survive without every going to moneylenders. Before joining of she was a house wife. With the intervention of BISWA she was aware about Micro finance loan. Malati joined a SHG who used to save 50 per month. Malati took her loan for 10,000 rupees to buy seeds and fertilizer.  Malati got back on track with farming efforts. BISWA provided her training about vermin composting. These days, Malati focuses her efforts on the education of her children and also her Vegetable Cultivation. She pays the fees for books and tuition and firmly believes that he'll have an opportunity to go to university as long as he puts his best efforts forth.  From the dairy business, Malati earns around 400 rupees every ten days, but this varies depending on the fat content of the vegetable cultivation.    Malati is setting up the business and talking to the agriculture.

As a result, her field centre coordinator noticed Malati’s strong leadership qualities and rewarded her with more responsibility. She is a leader in her community and everyone looks toward her with admiration and respect.  They all know that Malati’s intelligence, resourcefulness and ambition will carry the community forward to reach their fullest potential.

Case Study-14
About the Entrepreneur    
                                           
Name:   Jayanti Muduli                                                  
Location: Bayabar, Nimapara district of Cuttack, Orissa
Past activity: House wife   
Present activity: Entrepreneur
Name of the business unit: Dairy Farm
Previous Income: Nil
Present Income: Rs. 1,300.00 per month

Jayanti Muduli is 32 years old woman, Bayabara, Nuagopalpur, Nimapara, district of Cuttack. She is staying with her husband Mr. Kasinath Muduli and her children.Before joining the SHG she was a house wife. After intervention of BISWA she was aware about micro finance loan and about SHG also. Then   She applied for loan to start the business. This time she decided for Dairy. She prepared a project proposal of Dairy with the help of Programme manager of BISWA.  BISWA provided Micro finance loan Rs.18.000. BISWA Provided her micro enterprise training about Dairy farm.

Within a year Jayanti doubled her ownership i.e. she bought seven more Cows. Jayanti divide his income into two parts. One part is reserved for repaying loan amount & other is for scaling up her business. Now her monthly income is Rs.1, 300- 1,400.

Case Study-15
About the Entrepreneur                                                

Name: Mamata Sahu                                                     
Location: Mangarajpur Khandapada District of Nayagara, Orissa.
Past activity: House wife                          
Present activity: Entrepreneur
Name of the business unit: Tailor
Previous Income: Nil
Present Income: Rs. 1,000.00 per month

Mamata Sahu is 29 years old woman, Mangarajpur, Khandapada, district of Nayagara.  She is living with her husband Mr.Prakash Chandra Sahu and her children. She is now credible partner of her development and most of the street people have a great appreciation for her initiative in her ensuring a sustainable livelihood option for her family. Now she is very happy of being a SHG member of BISWA.Before joining the SHG she was a house wife and she was very poor. She could not fulfill her basic needs. With the intervention of BISWA She was aware about BISWA micro finance loan and about Self Help Group. She took loan Rs.8, 000.00 from BISWA through her SHG. And she decided to start one small tailoring shop. BISWA provided her training about sewing on Saya, Blouse, Salaware suit etc. Mamata started her tailoring shop and she was sewing clothes on her stitching machine.

She earned around Rs.1000.00 per a month from making and selling Saya, Blouse salawar suit. Today, Mamata has a good image within her village community.  Although her tailor shop continues to do well, Mamata believes that whatever she earns should be spent for children’s education   Even so, Mamata has managed to repay her loan.

Case Study-16
About the Entrepreneur

Name: Sandhya Ray
Location: Jariguda, Nawarangapur, Orissa
Past activity: House wife
Present activity: Entrepreneur
Name of the business unit: Grocery shop
Previous Income: Nil
Present Income: Rs.3000.00 per month
   
Sandhya Ray is 37 years’ old woman a native of Jariguda Village of Nawarangpur district. In she belongs to landless and poor doing labour work. She is having 4 children and her husband.In this situation BISWA intervention took place and became the member of SHG. Due to virtue of become BISWA Shanti Mata SHG member, BISWA supported Rs.2000/- for doing grocery shop. It was hard to run the business with small loan and decided to discontinue the business.

At this moment SHG members discussed about her business and sanctioned Rs.10, 000/-as loan to continue the business. Then she got confidence and encouraged her spouse to continue the same business with more care. By doing the same they got good profit this time on grocery shop. Added to that they started doing telephone booth. By doing both the business they are earning Rs.3000/- per month. Now she started repayment of loans. The livelihood options delighted their lives.

Case Study-17
About the Entrepreneur

Name: Manorama Rout
Location: Nuasahi, Jaipur, Koraput
Past activity: House wife
Present activity: Entrepreneur
Name of the business unit: Dairy Farm
Previous Income: Nil
Present Income: Rs. 2000.00 per month

Manorama Rout is the wife of Balaji Rout.Paikanagar Street, Jainagar, Jaypur, Koraput. Before joining Jai Hanuman SHG Smt. Manorama Rout had a cow, but that cow was not giving milk sufficiently.After Intervention BISWA in year 9th April 2008 she took loan Rs.13000 micro finance loan from her group to bring hybrid cow.And BISWA provided training and guidance to start the dairy farm.  Partly engaged in the grocery shop. When BISWA supported Manorama Rout established a small dairy farm in the area. At first she was not clear about the market but as the small enterprise established and got a very good response from the locals, she was motivated to spare most of her time.

She repaid her loan amount regularly on time. After investing this loan amount she could make profit. Her monthly income is 2000 rupees per month. She is also saving 200 rupees per month. Now she is selling milk own her loan 100% repayment rate and she got confidence about her business and proved her self. As for changes in social condition are concerned in Manoramas family, food consumption has better now. She was able to educate as her daughter & Sons. Her extensive field experience had made her realize how much of the business activities are done by women in small and marginal holdings.

Case Study -18
About the Entrepreneur 
                                              
Name:  Sumitra Pradhan                                                    
Location: Sardha Munda, Kishoreganja, Anugul. 
Past activity: Labour                          
Present activity: Entrepreneur
Name of the business unit: Vegetable cultivation
Previous Income: Nil
Present Income: Rs.16, 000.00 P.A

Sumitra Pradhan is a 40 years old woman of Saradhamunda, po- Boinda, Via- Kishoreganja, district of Sambalpur. She is staying with her husband and her children. Presently she has 4 own acres land.Before joining SHG she was a house wife. She was very poor in her village. She could not fulfill her basic need. Economically, the family struggled everyday.  They did not have enough food or clean clothes, and they did not bathe often.  They frequently turned to moneylenders to make ends meet.  After intervention of BISWA she became aware about micro finance loan and SHG. Then she became a member of SHG. Sumitra saved 50 rupees and joined SHG.  And she took out her loan for 8000 rupees buy seeds for farming. BISWA provided her training about vegetable cultivation.  She has never had problem meeting loan repayments. This year she earned Rs.16, 000.00 from vegetable cultivation. Her income from the sale of vegetables has provided enough money to occasionally repay more than the minimum monthly payment.

She is the lead decision-maker in her family and is well regarded within the community.  She has developed friendships with the women in her SHG that she never had before.

Case Study-19
About the Entrepreneur                                                

Name: Malati Dei.                                                     
Location: Arkhapada, Khurusia, district of Balasore
Past activity: House wife                          
Present activity: Entrepreneur                               
Name of the business unit: Small business
Previous Income: Nil
Present Income: Rs. 15, 00.00 per month

Malati Dei is a 45 years old woman of Arkhapada village, po- Khurusia e. She is staying with her husband and her children. Presently she is a good entrepreneur. Now she is very happy of being a SHG member of BISWA. Before joining SHG she was a house wife. She was a very poor woman in her village. With the intervention of BISWA she became aware about micro-finance loan & about SHG. She took micro-finance loan Rs. 10,000.00 from BISWA through her SHG. And she decided to start a small business. BISWA provided her training about a small business. Then she started her business. She was making paper bag and sold to Grocery shop.

Now Malati Dei is getting profit 50 Rupees per day. Now she is able to make more paper bag.  She is treated as an efficient business woman in her village.

Case Study-20
About the Entrepreneur                                                

Name: Mamina Malick                                                    
Location: At/po-Mota, Via, Kamakhyanagar district of Dhenkanal. 
Past activity: House wife                          
Present activity: Entrepreneur                               
Name of the business unit: Vegetable cultivation
Previous Income: Nil
Present Income: Rs.

Mamina Malick 28 year’s old woman of Mota village, Kamakhyanagar district of Dhenkanal. She is belongs with her Husband Raghu Malick and her children. Now she is a credible woman in her SHG. Now she has 3 acre own land.Before joining SHG Mamina Malick was a house wife. She had not good condition in her daily life. She could not maintain her basic need. With the intervention of BISWA she became aware about micro finance loan and SHG. She took micro finance loan Rs.12, 000.00 from BISWA through her SHG. BISWA provided her training about vegetable cultivation.

These days, Mamina focuses her efforts on the education of her children and also her Vegetable Cultivation. Now her earning Rs.12000 this year.  She is the lead decision-maker in her family and is well regarded within the community.  She has developed friendships with the women in her SHG that she never had before. "Now I am self-dependent due to the SHG group and a confident person," says Mamina Malick.She will continue farming and hopes to expand her milk business.  There is also talk within her SHG of pulling money and buying a Paddy Mill together.

Case Study-21
About the Entrepreneur                                                

Name: Champa Mohapatra                                                   
Location: At, Kanchhia, Po- Pipili, District of Puri 
Past activity: House wife                          
Present activity: Entrepreneur                               
Name of the business unit: Grocery shop.
Previous Income: Nil
Present Income: Rs.1500.00 per month

Champa is 48 and lives in the village of with her husband Ramesh Mohapatra. She is staying with her children. Champa is not literate but she can sign her name. Before joining her Self-Help Group (SHG) her family lived in poor conditions.  They did not have enough food or clothing.  Their total assets consisted of one goat, one ox and a mud house.  Her husband was forced to migrate for work, and earned around 1000 rupees a month to bring back to his family.  Still, the family was forced to use moneylenders who would charge them 10% interest each month.  If they put up Champa's jewellery as collateral, they would be charged 3% interest each month. Champa did not carry much importance within her community and her husband made most of the decisions for her family. With the intervention of BISWA She became aware about micro finance loan and SHG. BISWA provided her training about small business. And she decided to start a business. Champa took a loan from BISWA through her SHG for Rs.15, 000 to start a grocery shop.  Now she earned Rs.50.00 per day.

Today Champa enjoys a good social standing within her village.  She lends to other women in the community when they need it and others SHGs have formed after being inspired by her story.  Champa firmly believes that "group decision is the only solution to any problem."  Now she has no difficulty to repayment her loan.

Case Study-22
About the Entrepreneur                                                

Name: Kausalya Malick                                               
Location: Koriapal, Po- Pipili, district of Puri 
Past activity: House wife                          
Present activity: Entrepreneur                               
Name of the business unit:
Previous Income: Nil
Present Income: Rs 1,200 per month

Kausalya Malick is 36 and lives in the village Koriapal, Po- Pipili; district of Puri. She is staying with her husband Bhagirathi Malick and her children. Now she is a credible woman in her SHG. She is very happy for being a SHG member of SHG. Before joining Self Help Group she was a house wife. And her family lived in poor condition. They could not fulfill her basic need. After intervention of BISWA she became aware about micro finance loan and SHG. She became a member of SHG. And she was Saving 50 Rupees per month. Then after she took loan amount Rs.12000.00 from BISWA through her SHG. BISWA provided her training about Small business (Poultry farm) through a skilled person. Then Kausalya started a poultry farm. Partly she has started a small grocery shop also.

After deducting expenses of the family is getting net income of Rs. 1200/- per month.   From her income, partly repaying the loan and educating their children and living happily with small family norm. Now she has need more amount of finance and training support to increase her business.

Case Study-23
About the Entrepreneur                                                

Name:  Puni Sahu                                            
Location: Giridhapali, Kiajhara, District of Kendrapara
Past activity: House wife                          
Present activity: Entrepreneur                               
Name of the business unit: Dairy farm
Previous Income: Nil
Present Income: Rs 1,800 per month

Pony Sahu is 39 and lives in the village Giridhapali, Po- Kiajhara, District of kendrapara. She is staying with her husband Udaynath Sahoo and her children. She is a literate woman. Her educational is 7th class. Now her Living condition is good.Before joining the SHG she was a house wife. Her living condition is not good. She was living very poor condition. She did not fulfill her basic need. With the intervention of BISWA she became aware about micro finance & SHG. BISWA provided her training about small business (Dairy farm).At first she was not clear about the market but as the small enterprise established and got a very good response from the locals, she was motivated to spare most of her time. She took loan amount Rs.15000/- from BISWA through her SHG. She started her business. She brought 2 hybrid cows. And BISWA provided training and guidance to start a Dairy Farm.

Added that not too much competition for dairy farm. Hence, there is a great demand for Milk and especially more demand for milk on every day as it is a market day.  Approximately her income is increased up to Rs. 60/- per day, which amounts to Rs. 1800/- per month.With the earnings of her business she performed marriages of her daughters.    Now, she is leading a peaceful life.   For her courage, firmness and commitment has become an exemplary to other in the village.

Case Study-24
About the Entrepreneur                                                

Name:  Nalita Naik                                           
Location: Luhamunda, Kishoregiri, District of Anugul
Past activity: House wife                          
Present activity: Entrepreneur                               
Name of the business unit: Vegetable Cultivation
Previous Income: Nil
Present Income: Rs 1,200-1,300 per month.

Nalita Naik is the wife of Sadananda Naik. She is 37 years old woman. She is staying with her husband and 3 children in the village of Luhamunda, Kishoregiri, district of Anugul. Now her Current assets are 2 acre land and 3 cows. Now she is very happy for being a SHG member of BISWA. Now her living condition is good.Before joining SHG Nalita was a house wife and she didn’t know about SHG and microfinance loan. After intervention of BISWA she became aware about microfinance loan and SHG. Nalita has decided to start business. She took loan amount 13,000from BISWA through her SHG. BISWA provided training about Vegetable cultivation by skilled person. Then Nalita started vegetable cultivate like as potato, tomato, quail flower, cabbage, radish, chili, onion etc.

Now she is getting more profit to sell her vegetables. She is selling 200-300 rupees of vegetables per day. Her daily basis profit is 40-50 rupees. Now she has no problem to repay the loan amount. Now she is able to produce more vegetables. Now she is contributing to her family. She is the lead decision-maker in her family and is well regarded within the community.  She ha developed friendships with the women in her SHG that she never had before.

Case Study-25
About the Entrepreneur

Name: Kasali Galari
Location: Kandaguda is a village of Gumma Block, Malkangiri, Orissa
Past activity: House wife
Present activity: Entrepreneur                                              
Name of the business unit: Agriculture
Previous Income: Nil
Present income: Rs.1000.00 per month

Kandaguda is a village of Gumma Block of Malkangiri district, Orissa. It is a tiny village of 40 families which are depending on agriculture.   Kasali Galari is a 45 year’s old women living with her husband and their two children. Now she is a credible partner of her village development and most of the villagers have a great appreciation for her initiative in her ensuring a sustainable livelihood option for her family. With the influence of health camps in the village on Family Welfare and its importance other persons in the village. She is also propagating the importance of Family Welfare among other members of the SHG with two children norm.  Now she is proud of being a SHG member of BISWA.

Since, Kasali Galari is poor and her livelihood is on labour work, with intervention of BISWA in the village, she became aware about the finance availability for the poor through micro finance of BISWA. And she became a president of BISWA Kandaguda SHG in village. Hence, she took the loan of Rs. 10,000/- from Fund of BISWA in her SHG and purchased the Power Sprayer and engaged her husband. And BISWA provided her training and guidance to start vegetable cultivating in the area.  Now she is cultivating vegetables. After deducting expenses of the family is getting net income of Rs. 1000/- per month.   From her income, partly repaying the loan and educating their children and living happily with small family norm. Now she has need more amount of finance and training support to increase her business.

Case Study-26
About the Entrepreneur

Name: Prabhati Manjari Das
Location: Nua Sahi, Jaipur, Koraput, Orissa
Past activity: House wife
Present activity: Entrepreneur
Name of the business unit: Woolen Business
Previous Income: Nil
Present Income: Rs. 1200.00 per month

Prabhati Manjari Das 38 year’s old woman is one of the Poorest of the Poor families of Jaypur town, Koraput District. Smt. Prabhati has 3 children and staying with her husband having 1.5 acres of dry land. Before Joining the SHG she was a house wife .with the intervention of BISWA in Jaipur, She became aware about the finance ace ability for the poor through micro finance Prabhati came to know the importance of become the member in the local Self Help Group. The she approached BISWA Maa Bauti SHG and became the members. But her husband discouraged to for taking membership in the SHG. But she decided to continue in the group with the support of other members.

Knowing the situation of Prabhati the SHG initially released an amount of Rs. 5000/- to purchase Wool bundle and she sewing new woolen garments and she sold new design woolen garments and got lucrative income.By doing the businesses she got confidence to live on woolen garments business. It was observed by her husband and aunt. They to convince and came forward to extend support to Prabhati Simultaneously both the couple are doing wool business and earning Rs.1200/- pm and leading happy life. Both SHG and BISWA leaders appreciated Prabhati for her hard work and in sharing the family responsibilities.

Case Study-27
About the Entrepreneur

Name:     Malati lenka
Location: Nua Sahi, Jaipur, Koraput, Orissa
Past activity: House wife
Present activity: Entrepreneur
Name of the business unit: Dairy farm
Previous Income: Nil
Present Income: Rs.1800.00 per month

Jaipur is town is headquarters situated 20 Km away from district head quarters, Koraput.  Latika Lenka, 43 years poor woman, with her husband, 2son and one daughter is living in Nuasahi Jaipur Orissa. She is now credible partner of her development and most of the street people have a great appreciation for her initiative in her ensuring a sustainable livelihood option for her family. Now she is very happy of being a SHG member of BISWA.

With the intervention of BISWA in Jaipur, She became aware about the finance ace ability for the poor through micro finance. With the help of a social organization, under BISWA support,Malati Lenka, formed a group by pooling some more poor women.  She has taken responsibility to organize the group activities sincerely.  Added to that she got delighted that after hearing in the training programme that single headed persons like her will be given support families through BISWA.  Further, she also mobilized women of her kind and enrolled their names in the SHG.

As per their action plan the SHG got micro finance loan from the BISWA.  As per choice of Smt. Malati Lenka, she got micro finance loan support of Rs. 5000/-.And she was in thought to start a sustainable business with can cater the family needs. And BISWA provided training and guidance to start a Dairy Farm. Added to that not much competition for dairy farm. Hence, there is a great demand for Milk and especially more demand for milk on every day as it is a market day.  Approximately her income is increased up to Rs. 60/- per day, which amounts to Rs. 1800/- per month.With the earnings of her business she performed marriages of her daughters.    Now, she is leading a peaceful life.   For her courage, firmness and commitment has become an exemplary to other in the street.

Case Study-28
About the Entrepreneur

Name: Uma Bag
Location: Budapada, Maneswar, Sambalpur
Past activity: House wife
Present activity: Entrepreneur                                              
Name of the business unit: Soap making                    
Previous Income: Nil
Present income: Rs. 2000.00              

Uma Bag is a 39 years old woman of Budapada, Maneswar, Sambalpur.She is staying with her husband and her two children.  She is a credible woman in her village. She has leadership quality. Now she is teaching about health, child education, water & sanitation to the village.She was very poor woman. Her economical condition was very week. She had some idea about SHG but she didn’t get chance to form the SHG. With the intervention of BISWA she was getting chance to establish a SHG. They are saving @ 50/- per member a month. She took loan amount Rs. 30,000/- from BISWA through her SHG. She decided to start a business. BISWA provided her EDP training about small enterprise (Soap making). BISWA provided to her skill based training through a skilled trainer. She had lack of idea about marketing. 

BISWA provided business development service. She purchases a machine. Her husband helped in the soap packaging. She is getting more profit from her soap making. She is selling her product through LAXMIPRIYA ENTERPRISE of BISWA. Now her monthly income Rs.2000/-.Now her financial condition is good. Now she is able to provide good education to her children and she want increase her business.

Case Study-29
About the Entrepreneur

Name: Malati Pal   
Location: Jamurunda village, Umorkote, Nawarangpur
Name of the SHG: BISWA Maa Santoshi Jamurunda
Past activity: House wife      
Present activity: Entrepreneur
Name of the business unit:  Poultry farm
Previous MI: NIL         
Present MI: 2500 INR

Malati pal is a 53 years old woman living with 7 member family at Jamurunda village, umorkote block of Nawrangapur district, Orissa. She is now a credible partner of her village development and most of the villagers have a great appreciation for her initiative in ensuring a sustainable livelihood option for her family. Now she is proud of being a SHG member of BISWA.Before she was well versed with the concept of SHG, she was merely a house wife and her husband was the only earning member of her family. The day to day need was not being catered with this small amount of two thousand rupees. And she was incapable to support her family in providing any financial support.

With the intervention of BISWA in the village, she became aware about the finance availability for the poor through micro finance of BISWA. And she became an active member of Maa Santoshi SHG in her village. In an awareness meeting she became aware about to start a small business with support of BISWA. And she got a loan of 18,000/- to start a small business. And she was in a thought to start a sustainable business with can cater the family daily needs. And BISWA provided her training and guidance to start the poultry farm in the area. At first she was not clear about the market but as the small enterprise established and got a very good response from the locals, she was motivated to spare most of her time. Initially started the firm to cater the need of chicken for the locals but now she has established two units, one is to provide chicken and one is to provide chicks for different firms. Now she is getting a good amount of 2500 INR in supporting her family for economic sustainability. Now she has envisioned to start poultry feed firm in catering the need of Nawararangpur.

Case Study-30
About the Entrepreneur

Name: Sobha Mirdha
Location: Phulajari Village, Anugul, Orissa                                                                   
Name of the SHG:
Past Activity: Daily Wages
Present Activity:  Entrepreneur
Name of the Business unit:  Goatery farm
Previous MI:  Rs. 25 /per day
Present MI:    Rs. 2,500-3,000

Sobha Mirdha is a 23 years old woman living with her family at Phulajari village, of Angul district, Orissa. She is now a role model of entrepreneurship quality for her village development and most of the villagers have a great appreciation for her initiative in ensuring a sustainable livelihood option for her family. Now she is proud of being a SHG member of BISWA and she is able to provide Rs. 2,500- 3,000 (per month) to her family financial support.In past, her family condition was in a very feeble situation. Because she was merely a daily laborer and her husband was a farmer. The requirement of day to day life is not fulfill by the small amount of Rs.750. And she has also two children in educational stage, but she was not capable to provide proper education to her children.

With the intervention of BISWA in the village, she became a member of “BISWA SHG”.  And gets much more benefit from it. When she aware about the finance availability for the poor through micro finance of BISWA. She got confident to be self-independent.  In an awareness meeting she became aware about to start a small business with support of BISWA. And she got a loan of 18,000/- to start a small business. And she was in a thought to start a sustainable business with can cater the family daily needs. And BISWA provided her training and guidance to start the Goattery farm in the area. At first she was not clear about the market but as the small enterprise established and got a very good response from the locals as well as urbans. Initially she faced many difficulties to start the business alone, but now her husband also involved in it business and both are doing very good job to development the business in sustainable manner. Now they were getting Rs. 2,500-3,000 in a month.Now she is capable to provide money to educate her children and living happy family life.

Case Study-31
About the Entrepreneur

Name: Sandhyarani Behera
Location: Luhamunda Village, Angul, Orissa                               
Name of the SHG:                  
Past Activity:  House wife
Present Activity:  Entrepreneur
Name of the Business unit:  Vegetable cultivation
Previous MI: NIL
Present MI:    Rs. 1700 INR

Sandhyarani Behera is a 28 year old mother of two children. Her husband was died one year ago. Now she is the single earning person for her livelihood to cultivate vegetable and selling to the vendors and getting Rs. 17oo per month. Before her husband was single earning person for 6 member family and she was a house wife to taking care of family issues.  But when sandhya husband was died her family life was totally disturbed. Because no body was helped to her. So she was bound to taking responsibility of her family. In this situation she was heard to know about the BISWA Micro finance and became a member of BISWA SHG.

In the awareness meeting of BISWA, she has clarify the information on small business, quality of entrepreneur, how to start the business, training, credit facility and marketing linkage etc. So she got Rs. 15,000 with the support of BISWA micro-finance to start the business of Vegetable cultivation and selling to vendors. In addition, previously she has academic training in business and marketing skills, which are quite, help to the successful running of her business. She has been running the business for one year and uses her income to cater for her family’s needs.Now she is managing her family issues very smartly and getting 1,700/per month. She is very confident to enlarge her business in innovative way.

Case Study-32
About the Entrepreneur

Name: Bijay Naik
Location: Phulajhari Village, Angul, Orissa                               
Name of the SHG:                  
Past Activity:  Daliy wage
Present Activity:  Entrepreneur
Name of the Business unit:  Goatery farm
Previous MI:  Rs.525
Present MI:    Rs. 2500 INR

Bijay Naik is the son of Prahalada Naik of Phulajhari village, Angul district, Orissa. He is 33 years old and having 4 children in his family.  Now he is proud himself to living with self-dignity and self-respect. And he is able to fulfill the means of family needs.In previous stage he was facing very difficulties in his family life. He could not    able to fulfill the daily requirement with the small amount of Rs. 525/-So that many problems were occurred in his family life. In this situation he was incapable to taking many actions about family issues. Due u to this he was totally disappointed from his family life.

But when BISWA intervention in his village, he was thought that it was “God gift” for him. He became a member of Baa Sambhunath BISWA SHG and gets the opportunity of employment through micro-enterprise scheme. After the awareness meeting he was decide to doing the job of Gotery farm. BISWA micro-finance facility to credit linkage to him and provide a path to start the business.Now he was establish the very good business and earns 3000/- per month.

Case Study-33
About the Entrepreneur

Name: Urmila Naik                        
Location: Pasasingha village, Bargarh District                     
Name of the SHG:             
Past activity: Housewife     
Present activity:  Entrepreneur
Name of the business unit:  Papad Making
Previous MI:    NIL         
Present MI:     Rs.2500 INR

Urmila Naik 30 years old woman of Pasasingha village belongs to lower–class family in Bragarh areas. She has become a popular figure because of her commendable effort in community development and leadership. But in before stage, she faced many a problem in her family life. She comes under in labour-class. The almost 34 families reside in Pasasingha village being exploited by the high caste, land lords and business communites. The Barber people have been depending on their caste based services in a traditional way to sustenance. Since a couple of generation, these people are landless and they have no other earning. They could not able to invest capital to run their traditional occupation in innovative way. Hence they had to depend upon capitalist who took them as an oppourtunity and providing them running capital. So, in this connection Urmila and her family life were very much affected due to above causes.

By that time BISWA introduce in this place and establish their with its name and fame to philanthropic activities for marginalized and need based society. Urmila in look for of the opportunity to do something to be self-independence. She came in contact with BISWA Team. She was inspired by their activities and remained in touch with them; meanwhile, she was well versed with the concept of SHG and became a SHG member of BISWA groups. Then, she attended a number of capacity building and leadership trainings. Gradually she opened her eyes and started organizing the women members building of the area. The women were convinced and organized themselves. Then a 10 members committee was fomed and named as BISWA Swang swayanga Sanghathan.  She became the President and concentrated on entrepreneurial activity as well as social development aspects of the area.However by the leadership of Urmila the lower class families were cutoff relationship with the capitalist after supplied revolving fund by BISWA, to run their micro-enterprises unity. They sold the product, purchased raw materials and deal all business investing in very good manner.

Case Study-34
About the Entrepreneur
Location: Indipur, Deogarh, Orissa                               
Name of the SHG:    BISWA Maa Ambika              
Past Activity:  All member were House wife
Present Activity:  Entrepreneur
Name of the Business unit:  Business
Previous MI: NIL
Present MI: Rs. 1700 INR


BISWA Maa Ambika SHG is a small Self Help Group of Indipur village. It was formed on 2004 selecting 12 women members by the encouragement and inspiration of local leader person.  This Sangha is an old producer women group of the same village which played an important role to inspire and form this group. BISWA played a key role in motivating them to bring them into a mainstream of development. Later a 12 members committee was formed taking the interested women members. They Were imparted a three days training program on self-help group which aimed at development their potential entrepreneur skill to work untidily to achieve their goal. Now all members are working interesting and 80% of work is continuing successfully.The members are engaged in different trades like (Rice business, Vegetable cultivation, Spices making, Toys making, Grocery shops etc. Further the members have been involved in various social mobilization actions. They try to remove misunderstanding quarrel between husband & wife, Influence the bad effect of gambling in the community, awareness about obstacles on women to attend the gram sabha/palli sabha access to control over their income & expenditure & regarding lack of saving attitude.

Now the women of the group are attending different are level meetings participate in decision making, enhance relationship with govt personnel, improving able leadership/ potential &increasing their liasioning system.Now liquor addiction decreased up to 50%, gambling in the village decreased up to 80%, women’s participation increased up to 80%, saving habits increased up to 90%, established linkages with institutions, involved in issue-based activities, leading disciplined life, improving financial status in the family, understand their self right & importance in the family. Encouraging new membership, removing problems and difficulties that lies in education health & reducing social pains.

Though the group successes a lot still they are facing different problems. As the size of the group is very small as well as their membership fees. Presently the group attempts to get financial opportunities by keeping linkages with BISWA micro-finance to strengthen the nature and scope of Sangha and link with farmers service societies, enhance membership, strong networking etc.Presently all members of BISWA Maa Ambika Group were doing works in a self-independence manner and earning Rs. 2000/- to  Rs. 3000/- per month. They are being proud to support in financial mater of family.

Case Study-35
About the Entrepreneur

Name: Kshiroda Sandha
Location: Pasasingh Village, Belapada, Balesore
Name of the SHG:                  
Past Activity:  Farmer
Present Activity:  Entrepreneur
Name of the Business unit:  Vegetable vending
Previous MI: NIL
Present MI:    Rs. 2500/-

Kshiroda Sandha is a small farmer of Pasasingh village belongs to Belapada Panchayat of Bahananga Block. This Panchayat is around 21 k.m. away from district headquarter. His main occupation is cultivation & growing paddy. Only in rainy season of the year using the traditional methods of the Agriculture. BISWA was leading as step for Agro-forestry activities in the area. Every small farmer of the village was the member on seeds. All development works of the area are done by the committee, along with they were establish micro-enterprise activity like vegetable vending, micro-shop, agriculture, Brass & bell metal, Spices making, Toys making, Badi & Papad making, Candle making, Bamboo making,  etc.

First he gains information about marketing facility of the business. After that he gets monetary support from BISWA micro-finance to start their business of vegetable vending. He was collects vegetables from nearer village and selling or supply to the local market as well as other districts also. And earning Rs. 3000/- to Rs. 3500/- per month.Now he is thinking about establish 3 cold stores for vegetable preservation, to enlarge his business. For this Ksirodha request Rs. 75,000/- to BISWA micro-finance.

Case Study-36
About the Entrepreneure

Name: Pratima Behera
Location: Koilipanki, Kaudibhaga, Bolangir
Name of the SHG:                  
Past Activity:  House wife
Present Activity:  Entrepreneur
Name of the Business unit: 
Previous MI: Nil
Present MI:    Rs.2100/-

Pratima Behera is 24 years living with 5 member family in Koilipanki village. She is merely a house wife to looking after her family issues.  But she has some quality to doing something for her family as well as village. But she wants to help the financial support of her family through doing some economic activity. So that cause she need a source for start her business. When BISWA intervention in her village, she thought that it is the biggest opportunity to fulfill the aim of her life. Then, she became a member of SHG member of BISWA SHG. After that Pratima get as much as opportunity like, attending various awareness camps, leadership meeting, and scope of BISWA micro-finance etc.

When she gets opportunity from BISWA micro-finance, she was starts the business of making Badi (nuggets). Regularly she is doing her work in a dynamic way. In this business she gets Rs.  70/- per day. 

Case Study-37
About the Entrepreneur
                                                                                    
Name: Aditya Behera
Location: Pasassingh village, Belapada of Balesore dists.
Name of the SHG: BISWA Manibaba SHG               
Past Activity:  Unemployment
Present Activity:  Entrepreneur
Name of the Business unit:  Retail shop
Previous MI: Nil
Present MI: 1500/- 

Aditya Behera is 32 years old, married; with three children .He operates a retail shop business that is located in Shree Krishan Market complex a suburb within Balesore town. He has been operating this business for over three years. He started the business with a start up capital of cash 10,000, which he acquired through a loan from BISWA microfinance. Currently, the business has a working capital of over cash 20,000. Last year his business has a great loss, due to some social violence. Where his business is located the violence was occurred in that particular place and wipe out his shop and forced to close down his shop for a long time. Due to this accident, he has great shocked how to recover the loans and how can fulfill the family needs.In monthly awareness meeting of BISWA, Aditya was shared his problem to BISWA team worker with has question how to overcome from this problem? The team worker convenience to aditya and facilitate to bring the idea on scope and opportunity of BISWA. In the awareness meeting Aditya get clear of all queries in his mind.

After the awareness meeting of BISWA, Aditya get back his previous confidents to restarts his business in a energetic manner, now he is seeking a refinancing loan form BISWA micro finance and an extension on his loan period in order to rebuild his business. His business is steadily picking up and he is working hard to maintain good customer relations with his key clients. He intends to expand his shop in a more stable environment in order to cushion the effects of any business shocks that might come up in future. As group leader, he has displayed superior leadership qualities, able to sustain group cohesiveness throughout the crisis period. He particularly serves as a motivating force to the other group members, encouraging them to forge ahead with reconstruction and expansion of their businesses despite the chaos left by the crisis. He is very much aware that as the group leader he should demonstrate by example, ensuring that his business succeeds so that other group members can emulate.

Case Study-38
About the Entrepreneur

Name: Gita Das
Location: Marekela Village, Sohela block of Baragarh                                                                       
Name of the SHG: BISWA Maa Bhuasuni SHG
Past Activity:  House wife
Present Activity: 
Name of the Business unit:  Banana Farm
Previous MI: Nil
Present MÍ: 5000/-

Gita Das is a young talented woman of thirty-two who believes in herself. She is a mother of two children, and they spend most of their time with her husband developing their business. She strongly believes in her small farm because her husband and her two brothers are giving her support. She sells her products at the market, and she has no doubt that she will succeed because of the growth of the customers each and every day of the week. Gita suggested that her business would never fail because her family works full time to maintain their farming good condition. Now she is earning Rs.5, 000/- per month. In previous stage her condition was in very horrific condition, but her talented and interest on work was change the lifestyle of her. She was take a steps in BISWA SHG member in her village, after that she was obtain as much as opportunity from BISWA. She was requested for Rs. 30,000/- from BISWA micro-finance to start the business of Babana cultivation.BISWA micro-enterprise provides life skill training & skill development training programme on different trades for start the small business among the SHGs.Gita also gets the skill development training programme on banana cultivation. As per the resource person instructions, Gita start her business in active manner.

Now she is cultivate banana in 3 acre land with her family support. Her husband, brothers and children’s help in every step in her business. She pays off the first term loan of BISWA microfinance.  And now she is request for Rs 1, 00,000/- loan from BISWA microfinance to fulfill the future plan. Her future aim to establish in a big farm on banana cultivation, 2 storage house of banana etc. And she will confident on herself to be a successful entrepreneur in future.

Case Study-39
About the Entrepreneur         

Name: Jambu Mirdha
Location: At-Phulajhari,Po-Angapada
Past activity: Daly wages
Present activity: Cultivation
Name of the business unit: Cultivation
Previous Income:
Present Income: Rs. 1500.00

Jambhu Mirdha is a 21 year old mother of two children. She is merely a house wife to looking after her family issues.  But she has some quality to doing something for her family as well as village. Now her livelihood is cultivate vegetable and selling to the vendors and getting Rs. 1500 per month. Before Joining the SHG member she did not aware about SHG.  Her husband’s income is very low. So she was bound to taking responsibility of her family. In this situation she was heard to know about the BISWA Micro finance and became a member of BISWA SHG.

In the awareness meeting of BISWA, she has clarify the information on small business, quality of entrepreneur, how to start the business, training, credit facility and marketing linkage etc. So she got Rs. 15,000 with the support of BISWA micro-finance to start the business of Vegetable cultivation and selling to vendors. In addition, previously she has academic training in business and marketing skills, which are quite, help to the successful running of her business. She has been running the business for one year and uses her income to cater for her family’s needs. Now she is managing her family issues very smartly and getting 1,500/per month. She is very confident to enlarge her business in innovative way.

Case Study-40
About the Entrepreneur         

Name: Mani Mirdha
Location: At-Saradhamunda, Po-Boinda, Via-Kishoreganj
Past activity: Daily wages
Present activity: Goattary Farm
Name of the business unit:  Goattary Farm
Previous Income: Rs.500.00
Present Income: Rs.1700.00

Mani Mirdha is 40 years old woman of Sarahamunda village, po: Boinda, Via- kishore Bhanja Angul district, Orissa. She has 4 children in his family.  Now she is proud hermself to living with self-dignity and self-respect. And she is able to fulfill the means of family needs.In previous stage s he was facing very difficulties in her family life. She could not    able to fulfill the daily requirement with the small amount of Rs. 525/-So that many problems were occurred in her family life. In this situation she was incapable to taking many actions about family issues. Due u to this she was totally disappointed from her family life.

But when BISWA intervention in her village, she was thought that it was “God gift” for him. She became a member of Baa Sambhunath BISWA SHG and gets the opportunity of employment through micro-enterprise scheme. After the awareness meeting he was decide to doing the job of Gotery farm. BISWA micro-finance facility to credit linkage to him and provide a path to start the business.Now she was establish the very good business and earns 1700/- per month.

Case Study-41
About the Entrepreneur
        
Name: Haramohan Pradhan
Location: At-Saradhamunda, Po-Boinda, Via-Kishoreganj, Dist-Anugul
Past activity: Daily wages
Present activity: Small Business
Name of the business unit: Grocessary Shop
Previous Income: Rs.500.00
Present Income: Rs.1500.00

Haramohan Pradhan is 22 years old and lives in the village of Saradhamunda, Po-Boinda, Via-Kishoreganj, Dist- Anugul with her husband. She is staying with her children. Before joining her Self-Help Group (SHG) her family lived in poor conditions.  They did not have enough food or clothing.  Their total assets consisted of one goat, one ox and a mud house.  Her husband was forced to migrate for work, and earned around 1000 rupees a month to bring back to his family. Still, the family was forced to use moneylenders who would charge them 10% interest each month.  If they put up Maharamohan jewellery as collateral, they would be charged 3% interest each month. She did not carry much importance within her community and her husband made most of the decisions for her family.  

With the intervention of BISWA She became aware about micro finance loan and SHG. BISWA provided her training about small business. And she decided to start a business. She took a loan from BISWA through her SHG for Rs.15, 000 to start a grocery shop.  Now she earned Rs.50.00 per day.Today she enjoys a good social standing within her village.  She lends to other women in the community when they need it and others SHGs have formed after being inspired by her story.  Haramohan firmly believes that "group decision is the only solution to any problem."  Now she has no difficulty to repayment her loan.

Case Study-42
About the Entrepreneur         

Name: Lilly Jena
Location: At/po- Baladiabandha, Dhenkanal
Past activity: House wife
Present activity: Business
Name of the business unit: Badi & papad making
Previous Income: Nil
Present Income: Rs.1600.00

Lilly Jena 30 years old woman of Baladiabandha village belongs to lower–class family in Dhenkanal District. She has become a popular figure because of her commendable effort in community development and leadership. But in before stage, she faced many a problem in her family life. She comes under in labour-class. The almost 50 families reside in Baldiabandha village being exploited by the high caste, land lords and business communities. The Barber people have been depending on their caste based services in a traditional way to sustenance. Since a couple of generation, these people are landless and they have no other earning. They could not able to invest capital to run their traditional occupation in innovative way. Hence they had to depend upon capitalist who took them as an opportunity and providing them running capital. So, in this connection Lilly and her family life were very much affected due to above causes.

By that time BISWA introduce in this place and establish their with its name and fame to philanthropic activities for marginalized and need based society. Lilly in look for of the opportunity to do something to be self-independence. She came in contact with BISWA SHG Group . She was inspired by their activities and remained in touch with them; meanwhile, she was well versed with the concept of SHG and became a SHG member of BISWA groups. Then, she attended a number of capacity building and leadership trainings. Gradually she opened her eyes and started organizing the women members building of the area. The women were convinced and organized themselves. Then a 10 members committee was formed.  She became the President and concentrated on entrepreneurial activity as well as social development aspects of the area.However by the leadership of Lilly the lower class families were cut-off relationship with the capitalist after supplied revolving fund by BISWA, to run their micro-enterprises unity. They sold the product, purchased raw materials and deal all business investing in very good manner.

Case Study-43
About the Entrepreneur         

Name: Sasmita Baral
Location: At-Bayabara, Po-Nuagopalpur, Nimapara, puri
Past activity: House wife
Present activity: cultivation
Name of the business unit: Vegetable Cultivation
Previous Income: Nil
Present Income: Rs.2500.00

Bayabara is a village of Nuagopalpur, Puri district, Orissa. It is a small village of 44 families which are depending on agriculture.   Sasmita Baral is a 27 year’s old woman living with her husband and their two children. She is now a credible partner of her village development and most of the villagers have a great appreciation for her initiative in her ensuring a sustainable livelihood option for her family. With the influence of health camps in the village on Family Welfare and its importance other persons in the village. She is also propagating the importance of Family Welfare among other members of the SHG with two children norm.  Now she is proud of being a SHG member of BISWA.

Since, Sasmita Baral is poor. With intervention of BISWA in the village, she became aware about the finance availability for the poor through micro finance of BISWA. And she became a president of her SHG in the village.  Hence, she took the loan of Rs. 30,000/- from Fund of BISWA in her SHG and purchased the Power Sprayer and engaged her husband. And BISWA provided her training and guidance to start vegetable cultivating in the area.  Now she is cultivating vegetables. After deducting expenses of the family is getting net income of Rs. 2500/- per month.   From her income, partly repaying the loan and educating their children and living happily with small family norm. Now she has need more amount of finance and training support to increase her business.

Case Study-44
About the Entrepreneur         

Name: Kanchan Khatoi
Location: At-Bayabara, po-Nuagopalpur, Nimapara,puri
Past activity: Nil
Present activity: Dairy Farm
Name of the business unit: Dairy Farm
Previous Income:
Present Income: Rs.1800.00

Kanchan Khatoi is 24 years poor woman, staying with her husband, 2son and one daughter is living in Nuasahi Jaipur Orissa. She is now credible partner of her development and most of the village people have a great appreciation for her initiative in her ensuring a sustainable livelihood option for her family. Now she is very happy of being a SHG member of BISWA.With the intervention of BISWA in Bayabara, She became aware about the finance ability for the poor through micro finance. With the help of a social organization, under BISWA support, Kanchana Kathoi, formed a group by pooling some more poor women.  She has taken responsibility to organize the group activities sincerely.  Added to that she got delighted that after hearing in the training programme that single headed persons like her will be given support families through BISWA.  Further, she also mobilized women of her kind and enrolled their names in the SHG. 

As per their action plan the SHG got micro finance loan from the BISWA.  As per choice of Smt. Kanchana, she got micro finance loan support of Rs. 15000/-.And she was in thought to start a sustainable business with can cater the family needs. And BISWA provided training and guidance to start a Dairy Farm. Added to that not much competition for dairy farm. Hence, there is a great demand for Milk and especially more demand for milk on every day as it is a market day.  Approximately her income is increased up to Rs. 60/- per day, which amounts to Rs. 1800/- per month.With the earnings of her business she want to study her  of her Children.  Now, she is leading a peaceful life.   For her courage, firmness and commitment has become an exemplary to other in the street.

Case Study-45
About the Entrepreneur                                        

Name: Tanu Guru
Location: Bayabara
Past activity: House wife
Present activity: Dairy Farm
Name of the business unit: Dairy Farm
Previous Income: Nil
Present Income: Rs.1400.00

Tanu Guru is a 38 years old woman living with 4 member family village of Bayabara, Puri district, Orissa. She is now a credible partner of her village development and most of the villagers have a great appreciation for her initiative in ensuring a sustainable livelihood option for her family. Now she is proud of being a SHG member of BISWA.Before she was well versed with the concept of SHG, she was merely a house wife and her husband was the only earning member of her family. The day to day need was not being catered with this small amount of two thousand rupees. And she was incapable to support her family in providing any financial support.

With the intervention of BISWA in the village, she became aware about the finance availability for the poor through micro finance of BISWA. And she became an active member of BISWA SHG in her village. In an awareness meeting she became aware about to start a small business with support of BISWA. And she got a loan of 18,000/- to start a small business. And she was in a thought to start a sustainable business with can cater the family daily needs. And BISWA provided her training and guidance to start the Dairy farm in the area. At first she was not clear about the market but as the small enterprise established and got a very good response from the locals, she was motivated to spare most of her time. Initially started the firm to cater the need of Milk for the locals but now she has established Now she has established a good Dairy farm in her village and she is getting a good amount of 1400 INR in supporting her family for economic sustainability. Now she has envisioned to start Cattle feed firm in catering the need of Puri.

Case Study-46
About the Entrepreneur                                        

Name: Rupabati Dei
Location: At-Ushapatana, Nayagarha
Past activity:  House wife
Present activity: Weaver
Name of the business unit: Weaving 
Previous Income: Nil
Present Income: Rs.2000.00

Rupabati Dei is a 43 years old woman of Ushapatana village; District Nayagaraha. She is staying with her husband and her two children.  She is a credible woman in her village. She has leadership quality. Now she is teaching about health, child education, water & sanitation to the village.She was very poor woman. Her economical condition was very week. She had some idea about SHG but she didn’t get chance to form the SHG. With the intervention of BISWA she was getting chance to establish a SHG. They are saving @ 50/- per member a month. She took loan amount Rs. 30,000/- from BISWA through her SHG. She decided to start a business. BISWA provided her EDP training about small enterprise (Weaving & Tye Dye training). BISWA provided to her skill based training through a skilled trainer. She had lack of idea about marketing.  BISWA provided business development service. She purchases a machine. Her husband helped in the cloth weaving. She is getting more profit from her Sharee weaving. She is selling her product through LAXMIPRIYA ENTERPRISE of BISWA. Now her monthly income Rs.2000/-.Now her financial condition is good. Now she is able to provide good education to her children and she want increase her business.

Case Study-47
About the Entrepreneur                                        

Name: Sabitri Behera
Location: At/po-Narendrapur, Nayagarha
Past activity:  House wife
Present activity: Weaver
Name of the business unit: Weaving 
Previous Income: Nil
Present Income: Rs.1700.00

Sabitri Behera 28 year’s old woman of Narendrapur Village, district of Nayagarh. She is belongs with her Husband Biswanath Behera and her children. Now she is a credible woman in her SHG.Before joining SHG Sabitri Behera was a house wife. She had not good condition in her daily life. She could not maintain her basic need. With the intervention of BISWA she became aware about micro finance loan and SHG. She took micro finance loan Rs.15, 000.00 from BISWA through her SHG. BISWA provided her training about Tye, Dye & weaving.

These days, Sabitri focuses her efforts on the education of her children and also her weaving. Now her earning Rs.1700 this year.  She is the lead decision-maker in her family and is well regarded within the community.  She has developed friendships with the women in her SHG that she never had before. "Now I am self-dependent due to the SHG group and a confident person," says Sabitri Behera.She will continue Weaving and hopes to expand her Sharee business.  There is also talk within her SHG of pulling money and buying a Spinning Mill.

Case Study-48
About the Entrepreneur                                        

Name: Ahalya Pradhan
Location: Krushnaballhabpur, Nayagaraha
Past activity:  House wife
Present activity: Weaver
Name of the business unit: Weaving 
Previous Income: NIL
Present Income: Rs.1800.00

Ahalya Pradhan is 29 years old woman of Krushnabalarampur Village; Dist Nayagaraha. She is staying with her husband Prafulla Pradhan and her 3 children. She is merely a house wife to looking after her family issues.  But she has some quality to doing something for her family as well as village.Before Joining the SHG member she did not aware about SHG.  Her husband’s income is very low. So she was bound to taking responsibility of her family. She had some idea about weaving. In this situation she was heard to know about the BISWA Micro finance and became a member of BISWA SHG.

In the awareness meeting of BISWA, she has clarify the information on small business, quality of entrepreneur, how to start the business, training, credit facility and marketing linkage etc. So she got Rs. 18,000 with the support of BISWA micro-finance to start the business of weaving and selling to the Market. In addition, previously she has academic training in business and marketing skills, which are quite, help to the successful running of her business. She has been running the business for one year and uses her income to cater for her family’s needs.Now she is managing her family issues very smartly and getting 1,800 Rupees per month. She is very confident to enlarge her business in innovative way.

Case Study-49
About the Entrepreneur                                        

Name: Saudamini Mishra
Location: At/po-Mathakaragola
Past activity: House wife
Present activity: Vegetable cultivation
Name of the business unit: Vegetable vending  
Previous Income: Nil
Present Income: Rs.1500.00

Saudaini Mishra is 35 years old woman of Mathakaragola village, District Balasore. She is staying with her husband Prabhat Mishra and two children. She is now a credible partner of her village development and most of the villagers have a great appreciation for her initiative in her ensuring a sustainable livelihood option for her family. With the influence of health camps in the village on Family Welfare and its importance other persons in the village. She is also propagating the importance of Family Welfare among other members of the SHG with two children norm.  Now she is proud of being a SHG member of BISWA.With the intervention of BISWA in Mathakaragola, She became aware about the finance ability for the poor through micro finance. With the help of a social organization, under BISWA support, Saudamini formed a group by pooling some more poor women.  She has taken responsibility to organize the group activities sincerely.  Added to that she got delighted that after hearing in the training programme that single headed persons like her will be given support families through BISWA.  Further, she also mobilized women of her kind and enrolled their names in the SHG. 

As per their action plan the SHG got micro finance loan from the BISWA.  As per choice of Smt. Saudamini, she got micro finance loan support of Rs. 15000/-.And she was in thought to start a sustainable business with can cater the family needs. And BISWA provided training and guidance to start a Dairy Farm. Added to that not much competition for dairy farm. Hence, there is a great demand for Milk and especially more demand for milk on every day as it is a market day.  Approximately her income is increased up to Rs. 50/- per day, which amounts to Rs. 1500/- per month.With the earnings of her business she wants to study her Children.  Now, she is leading a peaceful life.  For her courage, firmness and commitment has become an exemplary to other in the street.

Case Study-50
About the Entrepreneur                                        

Name:  Reena Barik
Location: Mathakaragola, Dist- Balasore 
Past activity: House wife
Present activity: Tailoring
Name of the business unit: Tailoring Unit  
Previous Income: Nil
Present Income: Rs.2400.00

Reena Barik is 28 years old woman of Mathakaragola village, Dist-Balasore. She is staying with her husband Babuli Barik and one son. Now she is very happy for being a SHG member of BISWA. Now her living condition is good.Before intervention of BISWA she did not aware about of SHG. She was living very poor condition. They did not have enough food or clothing. With the intervention of BISWA in her village she became aware about SHG and Micro-finance and micro enterprise. BISWA provided her training about small business (Tailoring). And she decided to start a business. She took a loan from BISWA through her SHG for Rs.15, 000 to start a Tailoring shop. Now she is making Petticoat and Blouse. She is selling her product through LAXMI PRIYA Enterprise. Now she earned Rs.80.00 per day.
                                   
Today she enjoys a good social standing within her village.  She lends to other women in the community when they need it and others SHGs have formed after being inspired by her story.  Reena firmly believes that "group decision is the only solution to any problem."  Now she has no difficulty to repayment her loan.

Case Study-51
About the Entrepreneur                                        

Name:  Purnima Guru
Location:   At-Bhageadiha, po-Nuagopalpure, Nimapara, Puri
Past activity: House wife
Present activity: Dairy Farm
Name of the business unit: Dairy Farm
Previous Income: Nil               
Present Income:  Rs.1200.00

Purnima Guru is 52 years old woman of Bhageadiha, Po-Nuagopalpur, Nimapara, and Dist- Puri. She is staying with her husband Mr. Pancha Guru and her four children.  She is now a credible partner of her village development and most of the villagers have a great appreciation for her initiative in ensuring a sustainable livelihood option for her family. Now she is proud of being a SHG member of BISWA.Before she was well versed with the concept of SHG, she was merely a house wife and her husband was the only earning member of her family. The day to day need was not being catered with this small amount of two thousand rupees. And she was incapable to support her family in providing any financial support.

With the intervention of BISWA in the village, she became aware about the finance availability for the poor through micro finance of BISWA. And she became an active member of BISWA SHG in her village. In an awareness meeting she became aware about to start a small business with support of BISWA. And she got a loan of 16,000/- to start a small business. And she was in a thought to start a sustainable business with can cater the family daily needs. And BISWA provided her training and guidance to start the Dairy farm in the area. At first she was not clear about the market but as the small enterprise established and got a very good response from the locals, she was motivated to spare most of her time. Initially started the firm to cater the need of Milk for the locals but now she has established Now she has established a good Dairy farm in her village and she is getting a good amount of 1200 INR in supporting her family for economic sustainability. Now she has envisioned to start Cattle feed firm in catering the need of Bhageadiha. 

Case Study-52
About the Entrepreneur                                        

Name:  Kaberi Guru
Location: At-Bhageadiha, po- Nuagopalpure, Nimapara,Puri
Past activity: House wife
Present activity: Tailoring
Name of the business unit: Tailoring unit.
Previous Income: Nil
Present Income:

Kaberi Guru is 20 years of young girl, daughter of Kailash Charan Guru. She is staying with her parents and two sisters one brother. She is a literate girl. She is now a credible partner of her village development and most of the villagers have a great appreciation for her initiative in ensuring a sustainable livelihood option for her family. Now she is proud of being a SHG member of BISWA.Before intervention of BISWA she has idea about SHG. She was living very poor condition. They did not have enough food or clothing. With the intervention of BISWA in her village she wanted to do something her family and she had clearly aware about SHG and Micro-finance and micro enterprise. BISWA provided her training about small business (Tailoring). And she decided to start a business. She took a loan from BISWA through her SHG for Rs.14, 000 to start a Tailoring shop. Now she is making Petticoat, Blouse Frock. She is selling her product through LAXMI PRIYA Enterprise. Now she earned Rs.90.00 per day.Today she enjoys a good social standing within her village.  She lends to other women in the community when they need it and others SHGs have formed after being inspired by her story.  Kaberi firmly believes that "group decision is the only solution to any problem."  Now she has no difficulty to repayment her loan.

Case Study-53
About the Entrepreneur                                        

Name:  Rita Khatoi
Location: At-Bayabara, po-Nuagopalpur, Nimapara, puri
Past activity: House wife
Present activity: Dairy farm
Name of the business unit: Dairy farm
Previous Income: Nil
Present Income:

Rita Khatoi is 23 years young woman of Bayabara, Nuagopalpur, Nimapara, Dist-Puri. She is staying with her husband Subash Charan Khatoi and One son. Now she is very happy for being SHG ember of BISWA. Now her living condition is good. Before joining the SHG she was a house wife. Her living condition is not good. She was living very poor condition. She did not ful fill her basic need. With the intervention of BISWA she became aware about micro finance & SHG. BISWA provided her training about small business (Dairy farm).At first she was not clear about the market but as the small enterprise established and got a very good response from the locals, she was motivated to spare most of her time. She took loan amount Rs.20000/- from BISWA through her SHG. She started her business. She brought 2 hybrid cows. And BISWA provided training and guidance to start a Dairy Farm.

Added that not too much competition for dairy farm. Hence, there is a great demand for Milk and especially more demand for milk on every day as it is a market day.  Approximately her income is increased up to Rs. 60/- per day, which amounts to Rs. 1800/- per month.With the earnings of her business she performed marriages of her daughters.    Now, she is leading a peaceful life.   For her courage, firmness and commitment has become an exemplary to other in the village.

Case Study-54
About the Entrepreneur                                        

Name:   Pramila Guru
Location: At-Bhageadiha, Po-Nuagopalpure, Via-Nimapara, Dist -Puri
Past activity: 
Present activity: Dairy Farm
Name of the business unit: Dairy Farm
Previous Income:
Present Income:

Pramila Guru is 30 years woman of Bhagediha, Po- Nuagopalpur, Via- Nimapara, Dist- Puri; she is staying with her husband Udayanath Guru and two children. Now she is very happy for being a member of BISWA SHG and she is a credible woman of her village.With the intervention of BISWA in Bhageadiha, She became aware about the finance ace ability for the poor through micro finance. With the help of a social organization, under BISWA support,Pramila Guru formed a group by pooling some more poor women.  She has taken responsibility to organize the group activities sincerely.  Added to that she got delighted that after hearing in the training programme that single headed persons like her will be given support families through BISWA.  Further, she also mobilized women of her kind and enrolled their names in the SHG.

As per their action plan the SHG got micro finance loan from the BISWA.  As per choice of Smt. Pramila , she got micro finance loan support of Rs. 10,000/-.And she was in thought to start a sustainable business with can cater the family needs. And BISWA provided training and guidance to start a Dairy Farm. Added to that not much competition for dairy farm. Hence, there is a great demand for Milk and especially more demand for milk on every day as it is a market day.  Approximately her income is increased up to Rs. 50/- per day, which amounts to Rs. 1500/- per month.It is the earnings of her business she is ready for provide proper education to her children. Now, she is leading a peaceful life.   For her courage, firmness and commitment has become an exemplary to other in the street.