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SUCCESS STORIES

Transforming Communities - One Life At A Time

The north star for Kuldhara has always been uplifting the lives of low income house holds in rural and semi urban markets.

Sonu Rajawat

Grocery Shop

Vijay Lakshmi Pradhan

Garment Retail and Stitching

Seema Badguzar

Gota artisan

Sanjana Yogi

Goat rearing

Suman Morya

Grocery and cosmetics shopkeeper

Suhani Meena

Garment Retail and Stitching

Laadli Bano

Lac bangle maker

Manju Pradhan

Fancy items and Cosmetics shop

Heena

Hand crafted horses

Supyar Gurjar

Buffalo rearing

Anandi Swami

Plastic Waste Collector

Nandini Shekhawat

Beautician and Garment retail

Manju Kanwar Shekhawat

Beautician and stitching

Manju Gavaria

Moonj Grass sorter

Kavita Panchal

Fancy items store

Mamta Gavaria

Women products seller

Suman Gavaria

Lac Bangle seller

Wahida Bano

Semi-precious stones sorter

Rajni Pingoliya Morya

Carpet Weaver

Suman Devi Morya

Grocery Shopkeeper
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E-55, 1st Floor, Girdhar Marg Sector 12, Malviya Nagar, Jaipur, Rajasthan – 302017

0141-4523746

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Sonu Rajawat - Grocery Shop

32 years old

The foundation of her shop – Kuldhara!

Sonu’s mother-in-law was a member of Kuldhara’s JLG and ran a tea shop in the locality. It wasn’t difficult to convince her of microfinance’s benefits. With three loans in the past 4 years, she has not only populated her grocery store, but she has also bought another house along with her hard-working auto rickshaw driver husband. She intends to sell artificial jewelry also from her shop with the next loan from Kuldhara.

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Vijay Lakshmi Pradhan- Garment Retail and Stitching

32 years old

Poster Woman of Success

The poster woman of success at Kuldhara, Vijay Lakshmi has a post-graduation in commerce and a B Ed degree. Smart and intelligent, she is called as a representative at Kuldhara office when agencies come for routine or surprise checks, Founders Day and Women’s Day. With a supportive mother-in-law and husband, she has availed of the benefits of microfinance for the past 5-6 years with Kuldhara. Leader of her group - Saroj Naya Khada Group – she encourages other women nearby to use Kuldhara’s services and benefits and asks them to stand on their own feet and do their bit for increasing their household income. She says, “We must keep ourselves engaged in some activity. If not, we will go mad doing nothing in the house.” She does fall, pecco on sarees for various big saree selling shops around, stiches blouses and kurtis, and earns about INR 5000-8000 per month. She bought her first sewing machine with the first loan she availed from Kuldhara, and today with her expectant fifth loan, she intends to start a boutique in her area – the first one in her locality.

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Seema Badguzar- Gota artisan

30 years old

The house dream

Seema’s husband had taught her how to embroider gota lace on dresses, sarees and dupattas. When he left for Jodhpur for better work opportunities, Seema felt very alone and depressed. He advised her to begin working. When she began to work and found financial assistance through Kuldhara, they could immediately construct a new house for themselves. A consolidated amount from Kuldhara gave an immediate push to their house dream and they can now repay the loan in easy instalments!

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Sanjana Yogi- Goat rearing

35 years old

After her marriage, Sanjana learnt how to rear goats. Her in-laws had some enough for their own sustenance. When she got her first loan from Kuldhara 4 years ago, she purchased 5 goats and continues to do it every time. You see, goats are susceptible to diseases and death. She has 15 goats right now and earns INR 15000 per month selling their milk.

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Suman Morya- Grocery and cosmetics shopkeeper

33 years old

Seema used to weave carpets and rugs, like other women of her community, in the village. Carpet weaving is an intense job, and she had to quit it, because she was the only woman in the house and had no help. Her parents-in-law had died when her husband was young. Her husband quit his job in Jaipur and put up a grocery shop in the village, to take care of the family. The loan from Kuldhara helped her start a ladies items shop. Her shop is always full of customers. They now earn INR 20000 every month. The couple has ambitions to provide the best education to their three children.

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Suhani Meena- Garment Retail and Stitching

28 years old

Suhani says, “Women can stop eating food, but they can never stop wearing new and nice sarees. I didn’t have much of a problem during the Covid -19 induced lockdown. Women kept buying sarees from me, since my house and shop are the same. It didn’t pich me much, even though my husband had to change his money changer shop because no foreign tourist came.” With the first loan she bought sarees, a sewing machine with the second loan, in a span of three years. She earns about INR 7000-8000 every month and has made her house a pucca one and built more rooms in there. She will get cosmetics in her shop with the next loan she get from Kuldhara.

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Laadli Bano- Lac bangle maker

35 years old

The house from Bangles

Laadli has lived in the same locality before and after marriage and knew how to make lac bangles ever since. Her husband used to be a taxi driver, but has joined her in the same profession. The couple and their children make bangles every day and save about INR 1500 every day. They have now constructed another floor on their house and have all amenities in there, thanks to 3 loans from Kuldhara since 5 years.

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Manju Pradhan- Fancy items and Cosmetics shop

32 years old

The shop that cares

Manju Pradhan’s husband did not have a fixed income and there were plenty of stomachs to feed in the family. She bought cosmetics and fancy items with the first loan she availed from Kuldhara, and began selling from her own home.  4 loans and 5 years later, she has her own big shop and earns about INR 10-12000 every month. When her husband or she are not around, other family members take care of the shop.

The Covid-19 induced lockdown was very difficult for her, but she is glad that Kuldhara officers were very kind and helped her sail through difficult times. She intends to make her shop bigger with more loans from Kuldhara.

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Heena- Hand crafted horses

45 years old

Horsing her way through!

Heena has used most of her loan money from Kuldhara to improve her standard of living. She bought a gas stove and paid her electricity bills with the loan money. She says, “I can’t find wood for lighting the chulha. I can’t spend the whole looking for wood. I might also fall ill because of the smoke. How will I take care of my children, if I am unwell? One of my sons has already gone astray in this locality. My husband has not been very supportive, too.”

She earns INR 200-500 per day making horses out of cloth and gota and pays her loan on time. Life is difficult for her, but she horses through every day!

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Supyar Gurjar- Buffalo rearing

The business of buffalo!

35 years old

This is her first loan from Kuldhara and she bought a buffalo with the loan amount!

Her family income has increased to INR 35000 by selling milk. She is very satisfied being busy throughout the day and is also making money. The couple has recently renovated their house too.

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Anandi Swami- Plastic Waste Collector

The Goldness of Waste

40 years old

Anandi and her husband, with ancestry in Tamil Nadu, buy plastic waste from big companies, sort it out and sell to relevant recyclers. They earn about INR 30-35000 every month. They have used Kuldhara’s loans to buy plastic waste all three times over a period of 3 years. Their children are married and also engage in the same occupation. While they live in a plastic tarpaulin house themselves, they have built pucca houses for their children.

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Nandini Shekhawat- Beautician and Garment retail

32 years old

Journey of Progress

Inspired by her mother-in-law who used to stitch Rajputi dresses and blouses, Nandini knew she can grow as big as she wants to dream. She knew to stitch and was also trained to be a beautician. The financial aid came from Kuldhara.

She used loans from the first two cycles to buy material for the shop. In the third cycle, she began her own beauty parlor. Her personal income is INR 7-8000 per month. She lives her life for her children and wishes to save for their higher education.

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Taramati Nat- Maid Servant

23 years old

Kuldhara is the best!

The couple has been living a very perilous life ever since they knew life. To top it all, their house fell down due to desiltation from the nearby nullah. The wife works as a maidservant and the husband has a small cigarette shop on the main road. Their bad times were compounded due to calculation complications with some loans they had taken from other companies.

Based on their experiences with other companies, they emphatically declare, “You guys are the best. Everything is so sorted. Your interest rates are also better. It is so much easier to return your money.”

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Manju Kanwar Shekhawat- Beautician and stitching

42 years old

Self-made couple

Manju’s husband works as a tailor in an export house. He taught Manju to stitch to perfection. She is a quick learner and learnt the basics of beautician too. Basic, but perfectionist skills have helped her build her own customer base.

She got her stitching machine with loans from Kuldhara and now has 2 sewing machines and interlocking machine and now earns about INR 3-4000 every month. Both have built their own house from scratch and today have all amenities a typical house should have. She now intends to buy material for stitching clothes for women.

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Seema Rani- Dahi Vada Stall

42 years old

Dahi Vada – the recipe of success!

She makes the curd and kanji water, and fries the vadas, her husband buys all the raw material, he sells Dahi Vada and Kanji Vada on his own stall. She stands rock solid with her husband as they sail through life, and raise their children. Her husband had a CD and DVD shop but had to close down as technology evolved. He then learned to make these items from a relative 8 years ago.

It has been 3 years with Kuldhara, and they have used the loan every time to repair batteries used for running the machine that prepares the batter. How do they understand the difference between pre-Kuldhara and post-Kuldhara times? Her husband explains, “We can now buy ingredients for a month, while earlier we could only buy for a week. We make about INR 20000 a month. We now intend to put another stall for the same products and repair our house. Our ambitions have materialized and we will only grow bigger from here.”

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Kavita Panchal- Fancy items store

31 years old

When you spread your confidence to others!

It is a similar story of economic upliftment. Now she has made her own shop and will start the shop with the next loan amount from Kuldhara. What’s remarkable about Kavita is that she has enrolled about 15 women through at least 3 more Self Help Groups and has provided work opportunities to most of them through her linkages. Now that is confidence and prosperity multiplied by 15!

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Mamta Gavaria- Fancy items store

55 years old

Loans that gave her children life!

Moonj grass was their lifeline, but some could not continue. Mamta was one of them. Her husband was unable to take care of the household. She had to find alternate means to feed and educate her children. Microfinance was her only savior. With the help of the first loan from Kuldhara seven years ago, she put up a grocery shop in her own house.

She sent her children to school and ensured that they earned respectable government jobs and married well. Now that she doesn’t have the pressure of running the household, she still can’t sit idle at home. She runs her own cute little open women products shop on the main square in Bassi. You can see the satisfaction in her eyes and feel contentment in her voice.

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Seeta Lashkaar- Lac Bangle seller

33 years old

Women can sell easily to other women!

Seeta says making and selling lac bangles is a woman’s task. And she is sure that she also can do it very efficiently. Her husband buys raw materials for making bangles through loans from Kuldhara. Her sister-in-law makes lac bangles and she sells them in their own shop in the main market. Kuldhara's loan has assisted them to showcase more bangles thereby increasing her customer base. Her income has increased to INR 18000 per month now.

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Suman Gavaria- Lac Bangle seller

35 years

Bulk buying has helped us!

She buys lac bangles in bulk to sell in her shop every time she takes a loan from Kuldhara. The advantage of bulk buying with the loan has helped the family a lot. It has elevated their existing conditions of living, as her shop in the main market earns her INR 18000 every month.

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Wahida Bano- Semi-precious stones sorter

33 years old

Wife & Husband team

A family with 4 children, the couple lived a meager life. With the loan from Kuldhara, in the past 4 years, they bought a semi-precious stones sorter machine. They also have brought two generator-driven lights to use in marriage processions. Wahida is adept at both the activities and interchanges these roles with her husband as and when the time requires. They earn about INR 18000 per month and have rented a shop for the machine too. They will buy another marriage procession light with the next loan. Their hard work has paid off really well for them.

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Suman Devi Sharma- Garment shop

30 years old

The parent she called Kuldhara!

Suman did not want to weave carpets like other women in her community. She is way more ambitious! She started her own shop 7 years ago in her own home, as her husband suffered from health problems and could not go to the city for work. There was no other shop in the vicinity. She was obviously very successful there. With the first loan from Kuldhara, she bought more goods and made her shop bigger. Over three more loans and a shop on the main road, she bought a new house with three more shops. She wants to put up another shop for ladies products and learn stitching. She wants to become famous as the best tailor in the neighbouring villages and will now learn stitching professionally. She has built a business for her husband, but she thinks she has to create a name for herself. And that she will!

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Rajni Pingoliya Morya- Carpet Weaver

35 years

The loom of success

Rajni’s husband had to go to the city as carpet weaving wasn’t lucrative enough. Agriculture wasn’t possible due to the lack of water. Her in-laws did have a weaving loom. Her children were still young and were demanding her attention. All of this wasn’t adding up to decent income. When the children had grown up, the first thing she did was to learn how to weave carpets from her husband and in-laws. The first loan from Kuldhara was a timely boon. She set up her own loom. Five years later, the extended family has 3 more looms and all basic amenities in the house. Plus she can be attentive to the children all the time, as she can earn the same amount as wages earned with a company. She is happy that it has all added up well enough to live comfortably!

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Manju Gavaria- Moonj Grass sorter

40 years

Loans that keep the family together

Manju says, “Kuldhara’s loans are the best things that have happened to us. My husband doesn’t have to become a day laborer or go to a company to earn a meager INR 200 per day. We are bound by no rules and regulations. I can finish my household chores and then begin sorting moonj. We are at ease and love each other and our work. We don’t save a lot of money, but contentment - we thrive upon.”

One of the few remaining people to continue their traditional occupation of making articles of moonj grass, Manju and her sisters-in-law continue to live and work with moonj together. This is because they can buy raw materials at bulk rates with the help of Kuldhara’s loans.

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