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Chetna Mahila Samiti

Active Partner

Location : Uttar Pradesh

Partner Since : 26-10-2016

Founder : Shyama Devi

About CMS

Chetna Mahila Samiti is the federation of women SHGs promoted by Shramik Bharti in Akbarpur blck of Kanpur Dehat. It was formed in 2010. Presently, they have 165 groups having 1,133 members. the collective saving is Rs. 5,481,330 to the members. Groups paid Ts. 1,200 per year for the services taken from Samiti. During the financial year 2014-15 Grain Banks are established. Now there are 20 Grain Banks in the villages under the coverage of Samiti.

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For the past year, Laxmi Devi’s house in Shivaji Nagar functions as both home and tailoring shop. This was made possible through her very first loan from Rang De which she used to buy a sewing machine, fabrics, threads, tailoring scissors, needles etc.

For Laxmi Devi and her husband Krishan Kumar, this forms the third source of income for their household. Laxmi also owns three cows and sells their milk while Krishan Kumar plies an auto.

The couple live alone and enjoy many small comforts thanks to their enterprising spirit. For 43-year-old Laxmi, tailoring answered the question of how best to utilise her free time. With no children about the house, she felt the need to do more and thought that sewing would be an easy way to earn a little extra money since she learnt how to sew at her parents’ home in Kanpur. Her monthly income from tailoring amounts to around Rs.500 and witnesses an increase mostly during the wedding and festive seasons.

“Tailoring keeps me engaged. It’s much better than sitting idle”, she said. Aside from beating boredom, running a second business has increased her monthly savings and given her the means to make small improvements to her home.

At present, she extends basic tailoring services such as mending, hemming, sewing saree falls and blouse making. While she has no immediate plans for the future, she is focussed on establishing a regular clientele as her tailoring shop is only a year old.

Thank you for contributing to Laxmi Devi’s loan. If you would like to help other women from Uttar Pradesh, please click on the link.

Evaluated By : Ahinsa Sharma

Borrower Image
At 55, Ram Devi is content with her life in Kodhwa village in UP. A widow, she raised her son Rakesh to the best of her abilities and instilled him with a keen sense of responsibility even though she could not afford to put him through school. Rakesh now works in Delhi and sends money to his mother as often as he can. Ram Devi does not worry when he cannot send anything. Her disposition towards life, in general, is one of great calm. Although widowhood brought her much sorrow and difficulty, she does not see it as something to complain about.

During our audit at Kodhwa, she explained how her SHG is a good support system where members are encouraged to share their problems and concerns. In this way, she has been able to maintain a good level of social participation and finds companionship among fellow SHG members.

Being among other women actively discussing livelihood options and income enhancement struck a chord with her as she had frequently thought of doing more with her time but did not have the means to put her plans into action.

Her application for widow’s pension has been pending for a very long time and she reported that no progress had been made thus far. Without the pension, she only had the money that Rakesh sent to rely on which was sufficient for daily expenses but would certainly not be enough to support a livelihood. Local MFIs were unwilling to give her loan as she had no regular income that would promise them repayment.

It was only through Rang De that she finally found willing assistance to help start a goat-rearing business. On receiving the loan amount, she bought four goats and now spends a few hours every day tending to the animals. Being able to look after them gives her something to look forward to every day.

She is regular with repayment of instalments and appears to be quite comfortable despite not having any monthly income at the moment. “It is not difficult for me to repay since I have only to look after myself,” Ram Devi told us during a brief conversation with her.

Since the goats are still too young to be sold, Ram Devi has not started earning a living nor does she have any savings. We hope that in time her small herd grows in size and provides good profits at the time of their sale so that she can be economically active.

Thank you for contributing to Ram Devi’s loan. If you would like to help other women from Uttar Pradesh, please click on the link.

Evaluated By : Ahinsa Sharma

Partnership Summary

Total No. of Loans 456
Total amount disbursed Rs.5,360,000
Expected repayment so far Rs.3,220,933
Amount repaid Rs.3,045,850
Amount delayed Rs.160,416
Amount defaulted Rs.14,667

Borrowers under this Partner View All

Borrower Profile

Seema Devi

Goat Rearing | Uttar Pradesh

8,500

Raised

1500

Still Need

Borrower Profile

Rumali Devi

Goat Rearing | Uttar Pradesh

8,400

Raised

1600

Still Need

Borrower Profile

Saroj Devi

Goat Rearing | Uttar Pradesh

8,400

Raised

1600

Still Need

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