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Ushamath Mahila Mahasangh

Active Partner

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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Manisha Devi’s household in Lakhamandal village is a large one. It is a family of eight comprising her husband Bijender Singh, his four siblings and their parents. All hands work on the farm save for a few younger members who are pursuing an education at school. Big families like theirs living in the mountainous Uttarakhand region struggle financially since livelihood opportunities are few and far between.

Also, initiating any livelihood requires capital, money that Manisha and Bijender do not have and cannot raise on their own. Lakhamandal’s local lenders do give collateral-free loans but the high rates of interest they charge are always a deterrent.

As it happened, Manisha did find a source for borrowing to fund her new business. It came through from her SHG which enjoys a close association with local NGO Ushamath Mahila Mahasangh, our field partner in Rudraprayag district. She applied for a Rang De loan and within a few month’s time, led her newest acquisition to a shed at home.

When we met her in April, she enthusiastically spoke about how she was earning more and helping her husband and in-laws cope better with expenditure. Her monthly income is now Rs.6500 with as much as Rs.2000 left in savings at the end of the month. The only problem she faces at the moment is a lack of green and dry fodder which has led to a drop in milk production.

As far as the loan is concerned, Manisha has been meeting all repayments on time and is confident of continuing to do so.

Over the years, Rang De has empowered thousands of borrowers like Manisha with collateral-free, affordable loans that have helped set up or grow small enterprises. This would not have been possible with your valuable support.

Thank you for funding Manisha’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 613
Total amount disbursed Rs.19,120,000
Expected repayment so far Rs.10,654,990
Amount repaid Rs.10,654,990
Amount delayed Rs.0
Amount defaulted Rs.0

Borrowers under this Partner View All

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Sharmila Devi

Education Loan | Uttarakhand




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Sateshwari Devi

Education Loan | Uttarakhand




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Yasoda Devi

Grocery Store | Uttarakhand




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