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Parmarth Samaj Sevi Sansthan


Location : Uttar Pradesh, Madhya Pradesh

Partner Since : 28-05-2016

Founder : Sanjay Singh

About Parmarth

Parmarth was set up in 1996, with the aim to build a society where everyone has access to basic amenities such as education, healthcare, water, sanitation and livelihood opportunities. It works to bring qualitative improvement and changes in lives of the vulnerable and deprived sections of the society. Parmarth presently works in 422 villages of 7 districts of Bundelkhand region. They have done some path breaking work on community water management involving women in water panchayats and drawing up water user master plans for villages. “Jal Sahelis”, the women’s group, work together to conserve water resources in their respective villages.

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While visiting the village of Sonepur in Jaluan, UP, we interviewed many borrowers who had taken loans for dairy farming. With farm incomes dwindling, job scarcity and distress migration, families were rearing livestock to get by.

First-cycle borrower Updesh Kumari took up buffalo rearing as a means to supplement her husband Brijesh’s earnings from vegetable farming.

While vegetables bring in better returns than grains, the quantity of produce is not significant since the family owns only 1.5 bighas of land which is less than half an acre. Updesh Kumari finds the extra income from selling buffalo milk very helpful as farming brings in a seasonal income while milk cooperatives in the village make fortnightly payments to suppliers thus giving her a regular income.

The buffalo she bought gives around 4 litres of milk every day which fetches Rs.35 per litre. It is with this money that Updesh Kumari buys her weekly provisions. Although her name appears on the BPL list, she is yet to receive the card and has not been able to purchase anything from the ration shop. Since the family grows their own vegetables, they are able to manage the household.

Updesh Kumari feels that even if the animal stays healthy and provides milk regularly, she will not be able to expand her business without help, given their present financial position. She hopes that Rang De will continue to support her so that she can earn and contribute to the well-being of her family.

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

Evaluated By : Ahinsa Sharma

Borrower Image
The members of Rakhi SHG settled on the porch of a borrower’s house in Rewa village to share their experiences with us. Most of the women here are engaged in livestock rearing activities and had taken loans to fund the purchase of new animals. Guddan Devi, a native of Uttar Pradesh, told us why she had decided to diversify her livestock business. She owns 25 goats and has been rearing them for many years since it is a crucial source of income for her family comprising her in-laws, her husband, Raju and their two children.

Raju helps Guddan pick out the healthiest kids in the market and assists her in herding the animals to and from their grazing grounds. Over the past year or so, he has been suffering from poor health and is unable to work as a labourer. This caused a great deal of strain on the family and led Guddan to take up buffalo rearing to augment their income.

A loan from Rang De helped her meet most of the buffalo’s cost while the remaining Rs.15000 was raised through other family members. Guddan reported that the animal was giving 5 litres of milk initially but has now developed an infection in one of the udders. She sells only 3 litres of milk at the rate of Rs.32 per litre and keeps 2 litres for personal use. She also gets milk from a cow she owns but it is kept for the household.

As a family of landless labourers, Guddan feels the loss of income acutely now that Raju hardly works at all. She explained how difficult it is for them to get by: “In agriculture, you can grow your own food. But here, we are barely surviving. The goats are the only thing bringing in money for us.” She plans to take the buffalo to the vet but is clearly daunted by the thought of the expense involved as the family is already spending a sizeable portion of their income on Raju’s medical expenses.

On a positive note, she believes that livestock rearing is profitable and wants to invest in more goats with Rang De’s help. Although faced with many problems today Guddan adopts a pragmatic approach to weathering them. We hope that her financial situation takes a turn for the better and that her dairy business becomes more prosperous in time.

Thank you for contributing to Guddan 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 212
Total amount disbursed Rs.4,940,000
Expected repayment so far Rs.4,721,790
Amount repaid Rs.2,336,449
Amount delayed Rs.2,370,341
Amount defaulted Rs.15,000

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