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Ushamath Mahila Mahasangh


Location : Uttarakhand

Partner Since : 19-05-2016

Founder : Kamal Nayan Badoni

About UMM

Ushamath Mahila Mahasangh Ltd. (UMM) is apex federation of women SHGs, registered under Uttarakhand Self Reliant Cooperative Act 2003, established to meet the financial service needs of the poor clients/people living in one of the most underserved areas of Uttarakhand state, structured as a community based microfinance institution UMM's mandate has been to focus on the solutions that provide direct socio economic improvement to the marginalized and low - income households.

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Rural self-help groups provide women with a platform to voice their opinions, share problems and discuss viable solutions. They also inculcate savings as a habit, further lending among members particularly for livelihood activities and address issues like healthcare, livelihood sustainability and financial literacy. Members support each other and devise ways to overcome commonly-faced challenges. For women like Rekha Aswal from Uttarakhand, being a part of an SHG has not been just a reassuring experience but also a fruitful one.

For instance, presently, the issue that Navvikash SHG, her local group is wrestling with is the lack of availability of fodder during the summer. As a result, the cows they own produce less milk creating a good deal of worry since most of them have bought the animals with loans. Rekha too has taken a loan from Rang De for dairying but has used half of it to buy a cow and the other half to start an eatery. She has done this in the hopes that her husband, who does not work anymore, might find it an engaging trade. For now, both the dairy farm and the mess are her responsibility.

The cow produces around seven liters of milk, half of which is used for the home and half for the eatery. Rekha’s calculations appear to have paid off. She earns approximately Rs.600-Rs.700 per day. Her monthly income has steadily climbed to Rs.15000, some of which is used to repay loans and meet business expenses.

The fodder problem has been temporarily resolved by the SHG who have made arrangements to supply fodder to members in small quantities. Rekha says that the group is also exploring the option of switching to other income-earning activities such as tailoring, shop-keeping and so on since the income from dairying is dwindling what with additional expenses like purchase of cow feed, fodder and medical treatment. She herself has spent Rs.2000 on cow feed and is wondering whether the animal will produce enough milk within the next eight months for her to earn a profit.

She hopes that Rang De would extend support to her in case she decides to engage in a new livelihood activity since our loans are affordable, collateral-free and easy to repay.

Thank you for funding Rekha Aswal’s loan. If you would like to help other women from Uttarakhand, please click on the link.

Evaluated By : Lydia Thomas

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Jagdamba Devi from Uttarakhand recently became a dairy farmer with the help of a Rang De loan. The mother of two had been thinking of starting a small enterprise but could not afford to invest in one with her own money.

Working on their small farm beside her husband Santram, Jagdamba could scarcely pay cultivation expenses let alone extend their slender income for any other purposes. Farming in hilly areas is a challenge and very little has been done to scale up crop production to make it a more lucrative occupation that the local people can rely on.

For families like Jagdamba and Santram’s, agriculture provides them with food but does not constitute a good source of income. The small size of land holdings and the lack of technical know-how and modern machines hinder agricultural progress in these regions, leaving farmers among the poorest in the land.

Despite the many inconveniences of living in a small village, the rural folk of the hills are a hardworking people and know how to live in harmony with their surroundings. Jagdamba may not have much in her pocket but she is nonetheless a resourceful woman. She knows what works and what doesn’t. Given that she was already engaged in farming, it made sense for her to seek out a livelihood that would complement it.

She used the loan funds to buy a healthy milch cow that regularly gives more than enough milk both for sale and household consumption. Her monthly earnings now stand at Rs.2500 of which she saves Rs.1000 every month. Being able to save this much on a monthly basis puts the family in a much better position to deal with future contingencies.

We hope that Jagdamba’s dairy farm proves to be a sustainable livelihood that gradually improves her family’s quality of life.

Thank you for investing in Jagdamba Devi’s loan. If you would like to help other women from Uttarakhand, please click on the link.

Evaluated By : Lydia Thomas

Partnership Summary

Total No. of Loans 754
Total amount disbursed Rs.23,015,000
Expected repayment so far Rs.22,504,999
Amount repaid Rs.21,665,832
Amount delayed Rs.803,055
Amount defaulted Rs.36,112

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