📖 Her Story

Smt. Jyotsna Deb is a dedicated SHG member of Natun Kali SHG, Paschim Lalchari GP, under Sarbajaya Cluster Level Federation (CLF). She joined the Self Help Group on 15/07/2008.Before joining the SHG, her family faced severe financial difficulties. Her husband worked as a daily wage worker, while her son worked as a labourer in a reputed bakery. Inspired by his experience in the bakery sector, her son encouraged Jyotsna Deb to start making bakery products at home.The family initially began producing bakery items on a small scale. With financial support through the SHG and CLF, she received a loan of ₹2,20,000 to purchase a baking machine and expand the food processing unit. She also received ₹40,000 as seed capital assistance under the PMFME Scheme.With the growing monthly income from her bakery business, Jyotsna Deb was also able to purchase an auto through a monthly EMI facility. Her bakery has gradually developed into a sustainable livelihood activity that helps meet the demand for bakery products in the local area.After repayment and completion of the existing seed capital assistance process, she is proposed to receive a higher intervention loan of ₹3,00,000 under PMFME support to purchase a modern electric oven machine and further expand her bakery business.

⚠️ Challenges Faced

Limited access to capital, lack of confidence, poor market linkage, inadequate packaging skills, lack of modern food processing machinery, and limited entrepreneurship knowledge were the major challenges she faced while developing her bakery business.

🎓 Training Received

Entrepreneurship and livelihood guidance, food processing business support, financial management orientation, packaging improvement guidance, and market linkage support through SHG and CLF initiatives.

🏛️ Government Scheme Support

Benefitted from the Pradhan Mantri Formalisation of Micro Food Processing Enterprises (PMFME) Scheme, SHG and CLF livelihood support, and financial assistance for the development of her food processing unit.

💰 Loan Details

CLF/SHG Loan: ₹2,20,000 → PMFME Seed Capital Assistance: ₹40,000 → Proposed Higher Intervention Loan: ₹3,00,000 for Electric Oven Machine

📈 Income Comparison

🏆 Achievements

Successfully established a home-based bakery and food processing unit, improved the family's economic condition, purchased an auto through monthly EMI from bakery income, developed an entrepreneurial mindset, diversified family livelihood activities, and now meets the demand for bakery products in the local market.

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📖 Her Story

Smt. Anjali Molsom is a dedicated member of Jishu SHG under Ujjal VO, Paschim Nalicherra VC, Ambassa R.D. Block. Before receiving support through the Self Help Group, she had limited livelihood opportunities and earned around ₹3,000 per month.After her inclusion in the SHG, Anjali received financial and motivational support to diversify her livelihood activities. With proper livelihood planning and encouragement, she started foxtail millet farming alongside her traditional Jhum cultivation and handicraft activities.Through convergence support, millet seeds were procured for her farming activity. She invested an SHG loan of around ₹30,000 to diversify her farming options and strengthen her multiple livelihood activities.Today, Anjali cultivates foxtail millet on around 2 kani of land. Despite adverse weather conditions affecting production, she produced approximately 20 kg of foxtail millet. Her involvement in millet farming, Jhum cultivation, and handicraft has helped increase her monthly income and provide better financial support to her family and children's education.

⚠️ Challenges Faced

Lack of confidence, adverse weather conditions, limited marketing knowledge, and inadequate packaging skills were the major challenges she faced while developing and expanding her livelihood activities.

🎓 Training Received

Livelihood planning guidance, motivational support for millet farming, farming diversification orientation, marketing guidance, and entrepreneurship development support through the SHG and livelihood initiatives.

🏛️ Government Scheme Support

Livelihood planning guidance, motivational support for millet farming, farming diversification orientation, marketing guidance, and entrepreneurship development support through the SHG and livelihood initiatives.

💰 Loan Details

SHG Loan: ₹30,000 → Investment in Millet Farming & Livelihood Diversification → Expansion into Multiple Livelihood Activities

📈 Income Comparison

🏆 Achievements

Cultivated foxtail millet on around 2 kani of land, produced approximately 20 kg of foxtail millet despite adverse weather conditions, increased monthly income from ₹1,500 to ₹10,000, diversified her livelihood through millet farming, Jhum cultivation, and handicraft, financially supports her family, contributes to the education of her two children, and developed stronger entrepreneurial skills and confidence.

📖 Her Story

Smt. Wamra Mog is a member of Kengabang SHG under Roshni VO, Uttar Nalicherra GP, Sarbajaya Cluster Level Federation (CLF), Ambassa R.D. Block. She belongs to a family of five members.Initially, Wamra was hesitant to join a Self Help Group because of her previous experience with SGSY. When SHG formation activities started in Uttar Nalicherra GP through the ICRP process, she decided to observe the performance of the newly formed groups before becoming a member.After seeing the positive progress, unity, and financial activities of other SHGs in her village, she gained confidence in the SHG movement. Finally, she joined Kengabang SHG on 01/06/2016.After joining the SHG, the group received a Revolving Fund of ₹10,000 and started internal lending among its members. The SHG later received a first-dose bank loan of ₹1,00,000 and, after successful repayment, a second-dose bank loan of ₹2,00,000.The group also received a CLF loan of ₹1,50,000. Wamra took ₹20,000 to start a poultry farming activity. Over time, she accessed around ₹70,000 through the SHG Revolving Fund, CLF loan, and bank loan facilities to strengthen her livelihood activities.Her journey took a major turn when she was selected to work in financial inclusion activities. After demonstrating dedication and strong performance, she was selected as a CSP Bank Sakhi at TGB Kulai on 17/09/2018. She continues to serve as a Bank Sakhi, helping SHGs and rural women access formal banking and financial services.Through her Bank Sakhi journey, she has supported the sanction and disbursement of bank loans to 108 SHGs amounting to ₹176 lakh, opened bank accounts for 67 new SHGs, conducted 14 Financial Literacy Camps (FLCs), and facilitated around 1,500 insurance services.Today, Wamra is proud of her decision to join the SHG. She actively motivates women in her village to become part of Self Help Groups and inspires them to access financial services and livelihood opportunities.

⚠️ Challenges Faced

Lack of confidence in the SHG system due to previous SGSY experience, limited access to finance, lack of livelihood opportunities, and initial hesitation to participate in community institutions were the major challenges she overcame.

🎓 Training Received

CSP and financial inclusion orientation, Bank Sakhi capacity-building support, financial literacy guidance, banking service training, insurance facilitation knowledge, and community mobilisation experience.

🏛️ Government Scheme Support

Benefitted from SHG Revolving Fund support, CLF livelihood loan, SHG-bank linkage facilities, financial inclusion initiatives, and Bank Sakhi/CSP support through the rural livelihood institutional system.

Loan Details

Revolving Fund Support: ₹10,000 to SHG → 1st Bank Loan: ₹1,00,000 to SHG → 2nd Bank Loan: ₹2,00,000 to SHG → CLF Loan: ₹1,50,000 to SHG → Around ₹70,000 Accessed for Her Livelihood Activities

📈 Income Comparison

📖 Her Story

Smt. Mallika Paul is a member of Mandira SHG under Gitanjali VO, Basudebpara GP, Ambassa R.D. Block, Dhalai District, Tripura. Once a homemaker with limited livelihood opportunities, Mallika's journey towards entrepreneurship and financial independence began after joining the Self Help Group and receiving livelihood support through NRLM.Her involvement as a Community Service Provider (CSP) since 2017 played an important role in her personal, social, and economic development. Through different training and capacity-building programmes, she gained knowledge of entrepreneurship and livelihood development. She also received tailoring training, which encouraged her to start her first small business.Mallika initially opened a small tailoring shop with just one sewing machine. With dedication and growing confidence, she gradually expanded her livelihood activities. She accessed around ₹6,00,000 in financial support through CLF and bank loans and invested the amount in the expansion and diversification of her businesses.She later established a cosmetic and garment shop and started a beauty parlour near the main road at Basudebpara GP. Alongside her non-farm businesses, Mallika diversified her income sources through cattle rearing and developed a betel nut garden on around 1 kani of land.Today, Mallika is engaged in multiple livelihood activities, including tailoring services, a cosmetic and garment shop, beauty parlour services, livestock rearing, betel nut farming, and community service activities. Her diversified livelihood model has helped her become a potential Lakhpati Didi and provide valuable financial support to her family.

⚠️ Challenges Faced

Lack of capital was the major challenge in Mallika's entrepreneurial journey. Limited financial resources initially restricted her ability to establish and expand her businesses. With continuous support from TRLM, CLF, and the SHG-bank linkage system, she accessed loans and training opportunities that helped her overcome these challenges.

🎓 Training Received

Tailoring training, entrepreneurship development guidance, livelihood planning and business diversification support, Community Service Provider capacity building, and business management orientation through TRLM and SHG institutions.

🏛️ Government Scheme Support

Benefitted from National Rural Livelihoods Mission (NRLM) livelihood support, TRLM interventions, CLF financial assistance, SHG-bank linkage support, and training and capacity-building programmes for rural women entrepreneurs.

💰 Loan Details

CLF & Bank Loan Support: Around ₹6,00,000 → Started & Expanded Tailoring Business → Cosmetic and Garment Shop → Beauty Parlour → Livestock & Betel Nut Farming

📈 Income Comparison

📖 Her Story

Mitali used a PM Mudra Yojana loan facilitated by CLF to open a grocery shop in her village. Starting with basic essentials, she expanded her inventory and now serves over 200 families daily, earning ₹18,000 per month.

📈 Income Comparison