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VAMA : Bal-Mahila Vikas Samiti

Active Partner

Location : Madhya Pradesh

Partner Since : 12-07-2013

Founder : Indra Bhushan Verma

About VAMA

VAMA (Bal-Mahila Vikas Samiti) a leading NGO/MFI in the Chambal-Bundelkhand area for past 23 years. At present it has a linkage of 788 groups of covering more than 189 villages & 47 urban slums of Gwalior district, the BMVS started its loan disbursement operation in July 2006, has gross disbursed loans worth Rs. 18,04,97,100 to 16,908 members. BMVS is committed to provide financial literacy and credits for self-employment, livelihood and other financial and technical assistance to poor.

Field Updates View All

Borrower Image
Written by Lydia Paulraj

It’s a busy day for us at Gwalior as we set out to meet a borrower who resides in Madhavganj. She’s very keen that we see her home in the narrow by lanes.

There's a metal trunk in the one room house. Our host clears away the odds and ends piled on top of the trunk and begins to bring out brightly colored threads. This is one of the many ways that Heera Goswami earns a living.

Clad in a brown, printed saree, Heera looks older than her 41 years. But while time has not been kind to her, her disposition is both cheerful and uplifting.

Her husband who previously worked as a driver, brought in a modest income to support their family. Their lives took a turn for the worse when he was struck with paralysis and could no longer work.

It’s been a year now but if the family has been struggling, you would not know it easily. Thanks to Heera’s resilience, they now have a few sources of income to rely on.

To her family, she is the sole breadwinner; to her husband, a caregiver; to her daughters, a mother; to her employers, a helping hand in their homes and to her customers, the lady who hawks rakhis at the local haat.

Evaluated By : Tanvi Negi

Borrower Image
Written by Lydia Paulraj

Lashkar in Madhya Pradesh is a quiet hamlet nestled in hilly terrain. It does not appear to be very remote as there are power lines bringing electricity to its households. What it badly needs are toilets.

While the government does provide assistance to build private toilets, part of the payment is withheld until completion. This proves to be a deterrent for those who cannot afford it. Fortunately, not for these women. Rajkumari, Saroj and Gomati live with their respective families in Lashkar. They recognized the need for proper sanitation since open defecation on a hill some distance away from their homes, is the norm for people living in these parts.

Aside from the lack of privacy, this arrangement is both unhygienic and dangerous. Women and children often feel vulnerable, especially at night. The monsoons make things worse and bring with every visit, the chance of contracting dysentery or malaria.

Rajkumari, who had previously taken a loan in order to help with her embroidery business, lives with her husband, a laborer and their two daughters.

Saroj’s husband and son are laborers as well. Gomati’s family includes her husband, a karigar and their two sons who work as exterminators.

Evaluated By : Tanvi Negi

Partnership Summary

Total No. of Loans 4586
Total amount disbursed Rs.50,987,000
Expected repayment so far Rs.42,887,451
Amount repaid Rs.42,887,451
Amount delayed Rs.0
Amount defaulted Rs.0

Borrowers under this Partner View All

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Rajni Prajapati

Vegetable Vendor | Madhya Pradesh




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Sunita Bai

Grocery Store | Madhya Pradesh




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Shakina Bano

Stitching And Tailoring | Madhya Pradesh




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