Location : Jharkhand
Partner Since : 29-04-2015
Founder : Amitava Ghosh
Kalamandir operates with a vision to foster necessity and accessibility of arts and aesthetics in our day to day social life. We are engaged in constantly supporting, nurturing and disseminating the finer aesthetic sense among individuals, communities, organizations and social groups. Countering the mono culture, we look for a creative, dynamic and diversified environment for the young minds among tribes and non-tribes of Jharkhand - who are full of finer senses.
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If you were to plan on starting a new business, would you have enough money to start it? Is that the only factor that matters?
Sometimes, it is not just about having capital; you need courage too. Mina Nayak, hailing from East Singhbum district in Jharkhand, needed a lot of courage to start her own new business.
She had three years experience in vegetable cultivation and spent about four hours every day working on the small piece of land in the extension of her house. She always wanted to enhance the output, no matter how small, and sell more but she knew the banks would never assist her small home business.
Through our field partner, Kalamandir, she managed to get a Rang De loan for 8000 which was disbursed to her on July 23, 2015.
The day after the loan amount reached her, the East Singhbum district of Jharkhand was drenched in the rain and received a rainfall of 120mm in a span of five days. Mina was bewildered at the sudden turn in the fate. That's when she took a decision that has significantly changed her life.
Mina, who was familiar with the chaos the heavy rains would cause, decided that the money and the purpose of the loan would be squandeed if she opted to keep it at home as she could not invest in her vegetable patch.
She immediately went to Menka Patra (see A Unique Definition of Luxury to read her story), a fellow member in her self-help group at Kalamandir and, with her help, bought a tailoring machine. She used Rs 5600 of the total loan amount in buying a tailoring machine and invested the rest in vegetable cultivation.
Evaluated By : Pramod/evaluation/microcredit/india/jharkhand/mina-nayak/39029
What is the epitome of luxury for you? A seven bedroom apartment? A Lamborghini? How about a dining table?
Yes, a simple dining table.
Something which we take for granted in our daily lives is the ultimate luxury for Menka Patra, living in Nayagram village in Jharkhand state.
When she was young, her father used to say, ”Oh, look at them - they have a dining table!” For him, dining on a table instead of sitting on the ground conveyed a sense of dignity that he felt he could never had. This thought has always been in Menka’s mind since her childhood.
Located about two hours away from Jamshedpur, on the National Highway 33, on the banks of the Subarnarekha River, lies the East Singbhum district, known for being rich in minerals.
Menka’s idea of luxury gives us an idea of how different life can be in such rural districts.
Menka’s association with Rang De began 7-8 months ago when she first got in touch with one of our field partners, Kalamandir. She took a loan of Rs.8000, of which she has already repaid half as of January 2016, with an exemplary repayment record.
She started a tailoring business with the loan amount - a sewing machine cost Rs 5600 while the rest of the amount was spent in buying materials like cloth etc.
Her monthly instalment is Rs.733 which, according to her, is not difficult as her business is booming, helped by the fact that she hardly has any competition in the area.
As much as we congratulated her on her progress and tried to convince her that it is the fruit of her efforts, she still believes that she is lucky as everything happened at the right time.
As it happened, she had just shifted to a new home, after living in a rented accommodation for a long time, and found that there were very few tailors in the area. The germ of a business idea formed in her mind. She then went all the way to Baragoda in neighbouring Odisha state to get training in tailoring.
Evaluated By : Pramod/evaluation/microcredit/india/jharkhand/menka-patra/38695
|Total No. of Loans||501|
|Total amount disbursed||Rs.4,884,000|
|Expected repayment so far||Rs.4,884,000|
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