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Nav Jagriti

Active Partner

Location : Bihar

Partner Since : 02-09-2015

Founder : Jitendra Kumar

About Nav Jagriti

Nav Jagriti, a grass root level non-government organization, was institutionalized in the year 1993 under Indian Societies registration Act’1860. The organization federally operates in addressing the different issues of flood prone and water logging areas of Bihar. As target groups, NJ has been working with and for Ultra poor beggars, downtrodden, deprived and most marginalized people, poorest of the poor, women, girls and children, poor and marginalized farmers, adolescent boys and girls, migrant communities , commercial sex workers, needy and helpless, neglected & trafficked children , flood and disasters affected people as the priority groups.

To know more, visit Nav Jagriti

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Written by Thrishika Kanthraj

Rang De team members Soumya Jayaram and Pramod Arsid visited Sitamarhi district in Bihar this month to meet borrowers associated with Nav Jagriti, our impact partner that works with disadvantaged communities in rural Bihar. Tara Khatun was one of the borrowers that they had the opportunity to talk to.

A 47-year-old, she had availed a loan from Rang De for the purpose of purchasing some goods for a small grocery store that she was trying to keep afloat. She was initially hesitant to avail a loan in light of a harrowing experience with a moneylender, whose terms were that she add Rs 4 for every Rs 100 that she repaid. However, when she was informed that she could avail a Rang De loan at an interest rate of 10% flat, she realised that it made good financial sense to take it.

Soon, she also started to realise that reviving the grocery store as well as recovering her losses from it might be an extremely uphill task. Thus, she decided to also undertake a new venture – tailoring. While Tara knew sewing even before her marriage and was not new to it, she decided to take it up out of sheer necessity.

In a region that is infamous for distress migration, it fell upon Tara to take care of the home while her children found work in distant cities. Five of her six children are presently in Surat. The youngest child who lives with Tara, is in school.

Evaluated By : Soumya and Pramod

Borrower Image
Written by Thrishika Kanthraj

The rivers in Bihar change their course often, displacing families that live in close proximity. In and around the village of Bhanaspatti where the Kosi river flows, nearly 200 families have been displaced.

In addition to natural causes, people of this region are constantly on the move as there are few livelihood opportunities. There are almost no working men in the village as many migrate to nearby towns in search of work. This forces the women to depend entirely on remittances from husbands and children, or to undertake income generating activities of their own.

56-year-old Shanti Devi chose the latter. In her association with Nav Jagriti, a Rang De impact partner, she availed a loan of Rs 10,000 to purchase a cow and expand her dairy farming business. However, she decided that it made more financial sense to set up a small grocery shop as there was none selling daily essentials in the village.

Presently, she runs this shop together with her husband. She pays Rs 500 as monthly rent and sells items such as shampoo sachets, small packs of biscuits and chips, paan, chewing gum, chocolates etc. Some of her most loyal customers are children who regularly spend their pocket money at her shop.

Evaluated By : Soumya and Pramod

Partnership Summary

Total No. of Loans 689
Total amount disbursed Rs.6,411,000
Expected repayment so far Rs.4,483,491
Amount repaid Rs.3,935,992
Amount delayed Rs.546,666
Amount defaulted Rs.833

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