Case Study of Amudha, Vellore – Entrepreneur
Amudha, camphor making, Vellore
I am Amudha born in a poor family. My father was a daily wage labourer. I have two sisters and one brother. After returning from school I used to tie the flowers and sell it. Therefore I could not concentrate on my studies properly and had to discontinue after 10thclass. I was married at the age of 18 to my uncle (mother’s brother) who was a banana vendor. When my two daughters were born it was difficult to maintain the family. Therefore I started to go for work on daily wage in labeling beedi but was paid very meager amount. Later, I switched to tailoring and started stitching blouses. But I couldn’t continue the job. At this time I heard about the ICNW/WWF and its activities, joined as a member and availed first loan amount of Rs.1400 for business purpose.
The various types of training given by them was very useful to me particularly the skill training where I learned to make new products that could be prepared at home itself. The subsequent loan they provided was invested to make camphor. This fetched me more profit and then slowly expanded this business, I packed this and started selling the same in the shops and neighbourhoods. I have also purchased machine to produce more quantity of camphor. Now I am supplying to more than 80 shops in Vellore. I have also educated my daughters. The eldest daughter is studying M.Sc and my second daughter has completed her B.Com degree.
Case Study of Chinnammal Chandra Sekar, Dharmapuri
Chinnammal Chandra Sekar, Flower garlanding, Podarahalli, Dharmapuri
I am a member for the past 15 years. I have 5 daughters and 2 sons. For the past 15 years we are in flower business. Before availing the loan from the ICNW/WWF 1 used to pluck flowers for a daily wage. The left over flowers were brought home, tied as a string and sold. We used to live in a thatched roof house and during rainy season it would leak. We were struggling a lot. It was during this time I met an organizer who briefed me about the activities and asked me to form a group of 10 members.
With the first loan I purchased flowers, tied and sold it in my village and my husband used to move from one market to another selling the flowers. With the second loan and a part of my earnings I tiled the roof of my house. I leased a land for flower cultivation with the third loan amount. In this land we nurtured varieties of flowers that I plucked, tied and sold it in the market. With the profit I received I arranged my elder daughter's marriage.
Again I leased another flower land. We cultivated jasmine and kanagambaram (crossandra). Then purchased marigold, jasmine and other varieties of flowers from the nearby market and sold them. The subsequent loans availed were invested for the same trade. My husband also purchases roses from Bangalore. With the profit we earned my second daughter's marriage was also arranged. I build a room on the first floor with the consecutive loans. The timely help that I received from the organization was useful to extend my flower business. All my children are settled and some of them are involved in my business.
Case Study of Suthanthira Devi, Kancheepuram
Suthanthira Devi, Floor grinding, Kanchipuram
I am Suthanthiradevi and have done my Post Graduation (M.A.) I have two sons. I married a person of my own choice. My husband had no job. I didn't know how to manage/run the family. I even thought of going back to my parent's home or to my in-laws home. But they never respected us. During this time a friend of mine extended a small help. He provided us a wet grinder on monthly installment. I used to grind flour and sell it. But the income was not sufficient to run the family. At that time I met an organizer who briefed me about the ICNW/WWF. I enrolled myself as a member.
With the first loan amount I extended my flour making business. With the subsequent loans I set up flour mill and chilli, coriander grinding mill. Then I improved my business gradually. I invest part of the profit in savings account. I am also educating my children. My first daughter has completed her nursing course and my second daughter is studying B.E. Now I am living a respectful life. n this land we nurtured varieties of flowers that I plucked, tied and sold it in the market. With the profit I received I arranged my elder daughter's marriage. Again I leased another flower land. We cultivated jasmine and kanagambaram (crossandra). Then purchased marigold, jasmine and other varieties of flowers from the nearby market and sold them.
The subsequent loans availed were invested for the same trade. My husband also purchases roses from Bangalore. With the profit we earned my second daughter's marriage was also arranged. I build a room on the first floor with the consecutive loans. The timely help that I received from the organization was useful to extend my flower business. All my children are settled and some of them are involved in my business.
Case Study of Saraswathi Santhosh, Chennai – IT Making A Difference
Saraswathy Santosh, Computer Billing, Chennai
I grew up in Palaymkottai (Tirunelveli) with four siblings. My father expired when we were young and my mother brought us up with much difficulties. In this circumstances I managed to complete 12th std. However the circumstances did not allow me to study further. As my mother arranged for my marriage and after marriage we moved to Chennai. Even here my life was not rosy. My husband a driver and did not go to work regularly. With two children it was difficult to manage and I did not have any support from anyone. At this time I met a beneficiary of ICNW who explained me about the credit facilities available to young women like me who are willing to start new business. I utilized this opportunity and availed the loan amount and set up flower selling. Later on I enrolled for the computer classes and learnt computer course. This helped me a lot to the changing IT World and made my life easier to access computer and internet. Now I am also earning income from part time work as a computer billing clerk. I have gained empowerment, financial independence and honour after coming in contact with ICNW/WWF
Case Study of Chithra Sundar, Chennai – Being Poor But Honest In Repayment
Being Poor But Honest in Repayment
Chitra Sundar (Group Leader), Saree, Cut piece, Chennai
I was born and brought up in Chennai. I was married a person who is working as a daily wage labourer. I have two children. My husband’s income was not sufficient to maintain the family and we were suffering a lot. During this time I met one organizer who motivated me to start some business in order to earn income. I mobilised five other women from my neighbourhood i.e. in Kolathur and availed loan. With the first loan amount of Rs.6000 I purchased blouse pieces. With the profit I repaid the loan and also utilized it for my family expenses. With the second loan amount of Rs.12,000 along with blouse pieces I started selling sarees also.
During the floods i.e., in the month of November 2015, it was the time for repayment of our installment and I had collected the due amount from all the members and kept it in my home. However the heavy rain did not allow me to move out of the house and my house was completely flooded. During this time the staff visited us to see our condition. I thought they have come to collect the loan amount however when they replied they have come to see our condition and not for the due amount, it made me feel very happy and proud to be part of ICNW/WWF. I was moved by their concern for the members. I repaid the loan amount of Rs.14,256 which they did not insist.
Case Study of Ponmani Karupusamy, Chennai – Entrepreneur
Ponmani Karuppusamy, Idli (Rice cake), Grocery shop, Chennai
I was born and brought up to a wood cutter father among five girl children in Tuticorin, Tamil Nadu. The circumstances in the family did not allow us to study in school. I was married to my aunt’s son who was employed in a leather factory in Chennai. As the income wasn’t enough my parents encouraged me to do something and earn income. And also found a place to set up a grocery shop in Natham area. But we didn’t the working capital for the same. During this time I came across the area organizer of ICNW/WWF and came to know about this organization that facilitated financial assistance to poor working women to start entrepreneurial activities.
With the first loan amount of Rs.600 I purchased little groceries items, sold them and my daily profit was Rs.50. With the subsequent loans I also added vegetables in the shop. My husband supports me by purchasing vegetables from the Koyembedu wholesale market directly. Later I also purchased a land in Indira Nagar area with loan amount and my savings. In this area where we purchased the land, there were no shops in the area. Thus we shifted our business to this place. Here we earned good profits. We also started educating our children. With the subsequent loans I also started constructing a house. As the business was doing well I expanded the shop and also started selling breakfast items (idli - rice cake). Slowly I also purchased fridge and other items needed for shop/house. The last loan amount of Rs.50,000 and with my savings I used it for the construction of the house i.e., for improving my asset.
The skill training in various food/detergent products provided by the organization is very helpful to prepare new items and I learnt to prepare the detergent powder and sell this in my shop. After joining, I gained a lot of awareness besides I am an insurance holder. Now a days I spread the good work of WWF/ICNW to other needy people around my area and I motivated 50 other women members i.e., 10 groups to join the organization. My children are studying well and many women members have benefited from the scholarship for their children’s education. My life has transformed completely after joining WWF/ICNW.
Case Study of Tamilselvi Subramani, Chennai – Tsunami Relief Beneficiary
Tamilselvi Subramani – Making Wire Bags, Chennai
I was born and brought up in Bangalore. I got married to a person who was residing in vellore. My father worked in laundry shop as a coolie. My mother is a vegetable vendor. As my father was suffering from T.B, he stopped going for work. So the responsibility of taking care of the family fell on my mother. I have 4 children. My husband is working as a painter and whatever he earns he spends in liquor. I have been a member for the past 3 years. My daughter is studying in college. Apart from her studies she will help me in making wire bags. I take the bags from one street to another and sell them. I lost all my belongings in this Tsunami disaster. The President of WWF/ICNW not only helped us by giving loans but also supported us by providing relief measures to all the affected people by supplying them with dress, rice, utensils and some cash amount.
People are very proud of the ICNW/WWF as they feel that no government organization approached the area for relief measures. But it was only the ICNW/WWF that arrived in time and helped in the hour of crisis. We thank the ICNW/WWF for helping us in the hour of need.
Case Study of Ravuri Laxmi Rajyam, Palakolu Andhra Pradesh
Ravuri Laxmi Rajyam, Lace work, Palakolu, Andhra Pradesh
I was born and brought up Bodoor Mandal, Jinnur Village. I have studied upto class 10. I got married at the age of 17. My husband used to work for daily wages. In the meantime I had two daughters. It was difficult to run the family and look after the children with the meager income and could not educate them. Later when I heard about the organization I went to the office to enquire about it. I knew how to knit the lace. With this skill in my hand I availed the loan from the ICNW/WWF. The loan was very useful to start my work.
With the subsequent loan I invested in my lace work and increase the work. I started earning profits. As the business expanded we moved to another area I started sending my children to school. I also started teaching this skill to other poor women and gave them work. Some of the women have also progress and started their own individual business. I have built my own house and my children are now well settled. The training program instilled me that we should help others who are in need.