Success Stories

Name:
Mrs, Ranu Kalita

Place:
Guwahati, Assam

Business:
Weaving cloths

Ranu Kalita aged 38 years is a resident of Changsari, in Guwahati, Assam. She lives with her husband and two children. Their financial position was not very stable with her husband’s income for proper survival of their family. Lacking of financial literacy, assets or proper incomes, they can never reach out to in banks or formal institutions. We believe that with SCNL, we can abolish poverty by giving weavers a chance to stand on their feet.

One year back Ranu Kalita associated with SCNL for her 1st loan of Rs 30,000 from center ID : C_7696, to enhance her income through Weaving of cloths. By investing her loan amount in Weaving of cloths, she got a chance to work towards a better life. The collateral-free and low-cost nature of the micro-loans offers from SCNL allows her to work independently and purchase yarn in bulk at affordable rates and even work towards improving her marketing channels or increase of sell quantity in her own place. Ranu Kalita now earns about Rs. 200-300 per day.

Considering her growing business, her husband also give time to support her in this business. She is now financially secure and plans to further strengthen her business with SCNL. There are many untold stories disguised by the rhythm of the weaving which can be heard in every village of Assam as Ranu Kalita. She is a proud entrepreneur now and is an inspiration to several women around her.

Name:
Mrs. Manju

Place:
Jhunjhunu, Rajasthan

Business:
Grocery Shop

Manju aged 28 years is a resident of Patushri, District Jhunjhunu, Rajasthan. She lives there with her husband Manoj and 2 children. Manoj had to regularly travel and stay out of house for temporary employment and labour. Earning livelihood for his family was a real challenge every day. Watching his husband’s struggle for few years Manju decided to become a helping hand & also contribute to income generation. Around 2 years back, Manju got associated with SCNL (Center id: 130) taking a loan of Rs 25000 to set up a small grocery shop in front of her house.

With footfall of customers increasing gradually, she started adding more stock in the shop from the sale she did. She could not only manage to pay the loan instalments but also save some extra income. Started with groceries but then added vegetables basis customer’s demand. While the husband noticed a considerable income from this business, he has now joined Manju and both operate the shop together. They easily make 300-400 Rs a day.

Other ladies in the village see Manju with lot of respect and she has become an inspiration for the entire village as to how a housewife became a successful entrepreneur. Today she is so thankful to SCNL since it not only provided her a loan but made her financially independent. Going forward she is looking to further expand her business and hence has recently taken a bigger ticket size loan of Rs 37000 from SCNL.

Name:
Manju Kumari

Place:
Husaina Bujurg, Bhagwanpur, Vaishali, Bihar

Business:
Garments Shop

Manju Kumari, aged 28 Years lived in Husaina Bujurg, Bhagwanpur. She got associated with SCNL about 3 years back to get financially independent and wanted better education and future for kids. And also to give a good life to her family.

She then came to SCNL, which gave her a loan of Rs.30, 000 to start up the business of garments (primarily Saree & Salwar suit).

Manju Kumari worked hard and was determined to boost the financial status of her family. Initially she struggled a lot because of nearby competitors but still she managed her to grow her business.  Today Manju’s both children are studying in good school. Manju Kumari, sets an example of women empowerment & entrepreneurship.

“I am happy with the services rendered by the Company. Our lifestyle has improved and we are respected and loved by all. Today we dream of a larger business and a better life for our children,” says a grateful Manju Kumari.

Name:
Mrs. Ranjeeta Devi

Place:
Kutubpur, Bhagwanpur, Vaishali-841218, Bihar

Business:
Kirana Shop

Ranjeeta Devi, aged 28 Years lived in Kutubpur, Bhagwanpur, Vaishali with her husband and two children. Ranjeeta Devi got associated with SCNL about 4 years back to get financially independent and provide her children with better education and future. She then came to SCNL, which gave her a loan of Rs.20, 000 to open this Kirana Shop in Kutubpur. She  worked hard and was determined to improve the financial status of her family. Soon her business started to grow.

And with this small amount of loan which she had taken & initiate this business, today she is running the shop smoothly on a medium scale. Her both child are going to school and her dream is to make them a successful citizen of the country. Ranjeeta Devi, has proven to the world that planning, dedication & execution is key to success. “We found SCNL as a lifeline during our tough times. It has provided best services to our family,” says delighted Ranjeeta Devi.

Name:
Mrs. Tulsa Devi

Place:
Melkha, Rai Bareli, UP

Business:
Ready-made garments store

Tulsa Devi is a client with Satin Credit Care Network Limited since 22-03-2017 by taking an initial loan amount of Rs.25000/. She opened a small ready-made garments store with sanctioned loan amount. Before associated with SCNL her economic condition was too worst.

To grow her business, she took another loan of Rs.31, 000 in second cycle. At present, she overcome from those initial hiccups and able to fulfil the basic needs for her family.

As day passes on, her standard of living gradually grown up. She is a good source of inspiration for many clients in the same Centre named Melkha.

Name:
Mrs. Radhika Devi

Place:
Nayi Abadi, Shahganj, UP

Business:
Small Grocery Shop

4 years back when Radhika Devi was not associated with our company, her husband was unemployed & hence financial condition of her family was very pathetic. Several times she had faced tough challenges to meet her daily needs. To improve her financial condition and help her husband she took a loan of Rs.15000 from SCNL to open a small grocery shop.

Later she took another loan of Rs.25000 in second cycle, Rs.35000 in 3rd Cycle and Rs.45000 in 4th Cycle to add more stock in her shop. Now she is earning good profit from that business. Her three children are getting good education from a reputed school at Shahganj.

“Four years ago, we were ill-treated and neglected by many because we were poor. Today our status in society has gone up. SCNL has made all this happen,” Radhika Devi beams.

Name:
Mrs. Rinku Devi

Place:
Chapra Govind, Mehsi Ward No. 6 Dist. - East Champaran

Business:
Manufacturing unit (Button factory)

27 year old Rinku Devi lived with her husband in the ward number 6 (East Champaran), Chapra Govind, Mehsi area. Rinku Devi got associated with SCNL in last year to strengthening her financial position. She came to SCNL, which gave her a loan of 25000 to open a small business of manufacturing & exporting shirt button.

Rinku Devi worked hard and was determined to improve the financial status of her family. Soon her business started to grow. For manufacturing purpose she used to get the raw material from local pond or river nearby. Not only in Bihar, had she used to export these shirt buttons to other states of India also. Rinku Devi has proven to the world that true charity is not by giving bread or money but providing employment opportunities to those who are in need.

Name:
Mrs. Gudiya Devi

Place:
Bhathat, Gorakhpur

Business:
Clay toy

Gudiya Devi had taken first cycle loan on 16/03/2016 from Satin Creditcare Network Limited. Then she had started to do business of clay toy. Slowly & steadily her business reaches to its own height. Day by day her economic condition is getting better.

Now, her children are studying in CBSE board school. Now, she is having a well-furnished home. She obliged and thanks Satin for making her dream come true.

Name:
Mrs. Mamta Devi

Place:
Bindaki, Allahabad

Business:
Parlour

Mamta Devi had taken first cycle loan on 19-Feb’16 of Rs.25000 from Satin Creditcare Network Limited. She has taken the loan to fulfil her dream, give stability to economic condition of the family and to support her husband. That’s when she started the business of beauty parlour. After initial hiccups & peril from competition nearby, she grown her business slowly.

At present, not only she is running this parlour business smoothly but also helping her husband in another business/shop. Her children are studying in good school. And now her dream is to give them a better & secured future. She obliged and thanks Satin to make this good changes happened in her life.

Name:
Mrs. Yashmin Zebi

Place:
Dehri, Gaya

Business:
Dairy Business

Yashmin Zebi, aged 35 years lives in Barapatthar, Rohtas, Bihar with her five children and husband who was unemployed. Her financial condition was very poor & she was unable to give good education to her children. With such huge family, it is very difficult to survive without good income. She has no way to earn money.

She was then introduced to SCNL and get her first loan of Rs.20000, with which she purchased a cow and start a small business of milk selling in their locality. After that she took second loan of Rs.20000 and enhance her business and introduce few new members to Satin. At present, she is a third cycle loan member & taken Rs.35000.

Both Yasmin and her husband are now self-employed and her financial status is also improving day by day & now she is having five cows. Her children are also going to school for quality education.

Name:
Mrs. Asmin

Place:
Hatmi Nagar, Jhunjhunu

Business:
Tailoring

Asmin aged 38 lives in Hatmi nagar, Jhunjhunu in state of Rajasthan. She lives there with husband Taufique and 3 children. Taufique is a daily wage labourer and stays out of home for most of the time to earn for his family. Asmin could see her husband spending day & night out of home to earn the bread and hence wanted to support him.

Before getting married Asmin had learnt some stitching work, but since it had been long she again joined a stitching centre to re-brush her skills and then she decided to take a loan of Rs 25000 (Center id: 201) from SATIN and bought few sewing machines and started her own business. Initially she hired few trained people to help her establish the business but later on she started training other girls/women in the locality for free and then hired them in the stitching centre.

These women not only learnt but started generating some income for their families as well. She explained us how she boosted her own confidence after she took the loan and now she is looking for more amount of loan in coming months as she wants to open a full-fledged stitching learning centre in her village to train girls and then employee them as well. Her aspiration is to have every woman in the village come ahead and help their families earn a respectful livelihood. She is really thankful to SATIN to not only make her financially independent but become a reason for lot of women in the village to wear a respectful smile.

Name:
Mrs. Sharda

Place:
Narsinghpura, Jhunjhunu

Business:
An Agriculturist

Sharda aged 36 lives in Narsinghpura village of Jhunjhunu district in Rajasthan. She is married to Pradeep who goes out for work in a factory while Sharda helps in earning the living through Agriculture. She is involved in farming, growing vegetables and then selling it off in the nearby market at good prices saving a decent amount of income for the entire family. She is very clear to provide good education to all her 3 children.

Sharda & her husband’s life was not that peaceful 2 years back when her husband travelled far way from house daily to work in a factory and earn their living. They had a small farm but the income of the family was only limited to cater to basic needs hence farming or growing something in the fields was like a dream. 2 years back, Sharda came to know about Satin Creditcare and its financial services being provided to other women in her village. She joined as a member and availed an Income Generating Loan of Rs 25,000 (Center no. -174) for the purpose of agriculture. Her husband came in full support, help her in procuring seeds and other material required for growing vegetables. She was a smart woman and knew that the vegetables being sold in a nearby market come from very far of fields and cost of transportation increases their prices and hence she can sell the vegetables she grows at a competitive price and earn well. The idea was a great success and the business really took up well. She has recently taken another loan of Rs 40,000 to further grow crops and others seasonal products as per demand. Husband still continues to go the factory and both together are generating a good income for the family.

“We aim at providing good education and proper guidance to our children with the income we make today. We wish to see them in higher positions leading a prosperous life. We really thank SCNL for shaping up our & family’s future in tough times” says Sharda & Pradeep happily.

Name:
Mrs. Munni

Place:
Uddawas, Jhunjhunu

Business:
Goat Farming

Munni aged 23 lives in Uddawas village of Jhunjhunu district in Rajasthan. She is married to Naresh who owns an auto rickshaw while Munni is involved into Goat farming. She purchases goats, uses them into dairy business and then sells them off at a good price. She is been able to save a handsome amount of money from the earnings she makes through this business.

Munni & her husband’s life was very different 3 years back to what it is today. Naresh used to drive auto rickshaw that he had taken on rent, so majority of the portion from his daily earnings went into paying of the rent and whatever he could save was just enough to take care of basic needs of the family and nothing more than that. This is when Munni came to know about SATIN and its financial services through which some other women in the village could support their spouses in earning the livelihood. Munni decided to become a member of SATIN and availed an income generating loan of Rs 25000 for the purpose of purchasing a cow and get into dairy business. The problems in their life did not end up here. The cow used to be unwell for most of the time and there was a burden of some more expenses on her head. For around 2 years she went on with this business and was supported by her husband who extended his work hours to bring some extra money to the family so that not only family need could be taken care but both could accumulate some money to pay of the loan instalments as well. While she was about to finish the loan she discussed her problems with Satin’s loan officer who provided her with another loan of Rs 37000 a year back to get into goat farming. Her idea and hard work now clicked and in 6 months of time she was doing really well. She has now 20 goats, does dairy business, purchases and sells goats and is able to generate good amount of money. They are now accumulating money so that Naresh can buy an auto rickshaw of his own and the entire earnings come for the family. She is really thankful to Satin for rendering necessary help & support to the family in her tough times.

Hence it is said “Where there is a will, there is a way”

Name:
Mrs. Kirosta

Place:
Khokar Colony, Jhunjhunu

Business:
Cattle Farming

Kirosta aged 27 is a resident of Khokar colony, Jhunjhunu in state of Rajasthan. She lives there with her husband Vikram & 2 children. He husband is a daily wage labour and there is no fixed/uniform income that he earns but whatever he earns was sufficient enough to take care of the family. Kirosta always had a zeal to contribute and do something on her own but they could not save anything spare out of their income to start some business. Around 2 years back Kirosta got associated with Satin when she took a loan of Rs 25000 (Center id: 200) to buy a buffalo and start her dairy business. Jhunjhunu local market was very near from their colony hence she with her husband went to few vendors and tied up. While the business grew well, some vendors also raised a demand for cow’s milk hence recently some 6 months back she took another loan of Rs 37000 from SATIN and bought a cow. Since the husband saw good amount of income in this business he has left his daily labour and both husband & wife together run this dairy business.

Both of them plan to expand this further in coming months and are really happy to be associated to SATIN. Kirosta’s husband shared how her wife has become the talk of the town being praised by elders, near and dear ones for coming ahead and helping the family.

Name:
Mrs. Parveen

Place:
Khokar colony, Jhunjhunu

Business:
Vegetable vendor

Parveen aged 46 lives in Khokar colony, Jhunjhunu in state of Rajasthan. She is married to Jamil who currently doesn’t keep well and cannot go out for work. Parveen is doing the business of vegetable vending and earns livelihood for the family and she is helped by her eldest son who could not complete his studies since he had a burden of earning for the family at a small age since the father’s earning was not sufficient to take care of the entire family. They are able to earn a decent amount and are trying to save enough to make other 3 children in the house study well.

Parveen & her family’s life had been very difficult since her husband could not earn much from the daily labour to take care of all members of family and hence the eldest son had to join him at an early age. Around 2 years back, there was a big setback for the family when Parveen’s husband Jamil fell ill and was advised by doctor to not get into any physical work and the survival really became tough. Someone in the neighbourhood told Parveen about the financial services provided by Satin to empower women and she enrolled herself as a member taking a loan of Rs 25000 (Center id : 202) to start off as a vegetable vendor. From there, it was no looking back, her son joined in and they both have been working really hard to take care of entire family. She even plans to expand her business and hence has requested the loan officer of SATIN to help her with a bigger loan in coming months so that she can open a vegetable shop.

“Satin & the loan officer was not less than GOD for us to help us fight our tough times.. We have been diligent & loyal in paying off the instalments timely and will keep doing the same in future as well and would request SATIN to keep empowering more & more women who can come ahead and be a support for their families” – said Parveen & her son.