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Samagra Gram Vikas Sanstha


Location : Maharashtra

Partner Since : 02-02-2009

Founder : Mr. M.M. Bhange

About Sagras

Sagras is a registered society founded in 1998 and works exclusively with marginalized women. Major initiatives of Sagras include micro credit, through formation of self help groups and implementation of integrated watershed development programmes. The organization believes in and fosters a spirit of independence and self reliance among the women they work with.

Yavatmal District is located in the eastern region (Vidarbha) in Maharashtra. It is one of the most backward regions of the state. The district faces severe water shortage and that explains Sagras’ involvement in watershed development projects. Most people in the region are dependent on agriculture or employment in small scale industries for their livelihoods.

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For a young girl from a small town, a college education can be a ticket to a career. Armed with a degree and the right set of skills, she can find a job that pays and become independent. It is with this dream that Varsha Ambadas Navade has been keenly following her daughters’ progress in their studies. Her eldest daughter Puja, all of 19, is already in her second year at college while Rani, 18, is in her final year of school. Both girls are working hard to get good grades and make their parents proud.

Varsha, for her part, invests a good portion of her savings in making sure that Puja and Rani have the necessary books, stationery and clothing so that they are well-equipped for classes. Although she runs a successful clothing business and earns quite well, much of the family’s expenses are met out of her income. Her husband Ambadas is a labourer and earns only around Rs.5000 every month which in a town like Pusad, would simply not be sufficient to pay for even the basic necessities of a family of four, let alone the many things that a student needs.

Given their financial constraints, Varsha and Ambadas made the decision to seek a low-cost loan to pay their daughters’ tuition fees. In doing so, they have managed to always pay the fees on time and have enough money to meet other education-related expenses as well. Now that there is a reliable source of credit to fall back on, Varsha has utilized her savings to enrol Puja in a computer coaching class so that she has more up-to-date and marketable skills to see her into a good job.

Thank you for contributing to Varsha’s loan and supporting her daughters’ education. If you would like to help other borrowers in need of a loan, please click on the link.

Evaluated By : Prajwal Suvarna and Sonali Chakraborty

Borrower Image
Education, while key to achieving a better future, is in truth prohibitively expensive, more so for those who belong to economically weaker sections of society. In some cases, even a little help can go a long way in keeping children in school and preventing their parents from being overburdened with expenses.

Our changemakers were able to make a difference in the lives of many children from Pusad, Maharashtra. Two of them were 9-year-old Tanmay and 8-year-old Anjali Kale. Thanks to their mother Kalpana Santosh Kale, both children are able to attend their classes regularly at a private school.

Kalpana is a tailor while her husband Santosh runs a tea stall. The two occupations ensure the couple has enough to take care of their family but the incomes from them can only be stretched so far.

At the beginning of a new academic year, they dip into their savings to meet the school-related expenses but most of the time, the money falls short. Whenever this happens, they borrow from relatives and moneylenders but now that Vandana has connected to Rang De, the fees are paid within the school’s deadline and all books and uniforms are purchased at the right time. The money that she saved by opting for a cost-effective loan is now being used to pay for her son’s extra tuition classes.

This loan was made possible through your contributions. Thank you for supporting Vandana’s loan request and enabling Tanmay and Anjali to enjoy another year at school. If you would like to help other borrowers in need of a loan, please click on the link.

Evaluated By : Prajwal Suvarna and Sonali Chakraborty

Partnership Summary

Total No. of Loans 9051
Total amount disbursed Rs.91,510,500
Expected repayment so far Rs.91,510,364
Amount repaid Rs.87,944,722
Amount delayed Rs.3,532,975
Amount defaulted Rs.32,667

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