Mrs. Kanika Barman, wife of Mr. Joisang Barman of Atugaon, Bongaigaon district had an idea of earning income by engaging herself in income generating activities as her husband who is an unemployed and not having any source of income. She had an idea of starting an activities of Mushroom in which less amount is required to invest. Mrs Barman who is 30 years old passed Higher Secondary. As the family is not having cultivable land, it was difficult to survive their family with two sons and one daughter and also her mother-in-law. She came to know about Bongaigaon Branch of Nightingale Finvest Private Ltd and its micro credit intervention in the area. She joined a Joint Liability Group (JLG) and understood the procedures. After completing the formalities she availed of first cycle loan at 4% p.a. as she belongs to O.B.C. for which fund has been made available by North Eastern Development Finance Corporation Ltd to the Company. On receipt of fund from the Company she started the activities of Mushroom with her husband. As she was having an idea of earning livelihood, she availed of 2nd and 3rd cycle loan after repaying and liquidating each cycle loan within the period fixed by the Company. Her husband used to sell their products in the shops in Bongaigaon town. The income earned was Rs.6,000/- to Rs.7,000/- per month which was just enough for the family to have two square meals a day and to educate their children.
Mrs. Tutumoni Patowary wife of Mr. Bipul Chandra Patowary of Lichu Bagan, Indrapur, Hengrabari, Guwahati, Assam is engaged in handicraft and make different items out of wood and bamboo. She started handicraft by taking first cycle loan of Rs.5,000/- (Rupees five thousand ) only from Nightingale Finvest Private Ltd during the year 2010. Presently she has availed of fourth cycle loan of Rs.55,000/- (Rupees fifty five thousand) only. She has two girls one of whom is studying Artitech and other in ITI (Beautician) course. All the family members including her husband and one elder sister of Mrs. TutumoniPatowary are engaged in handicraft and make different items for exhibition, sell in the market. She participates in different Exhibitions in the State as well as outside the State.
She has a mind to develop her business for which she requires more fund for investing in her activities. However, none of the financial institution or Govt. are prepared to provide financial support to her except Nightingale Finvest Private Ltd. She desires to engage more workers in her activities and to provide support to poor for their survival. Her living standard is improved after availing loan from Nightingale Finvest Private Ltd and now she is having the ability (financial) to support her two daughters for prosecuting their studies.
Mrs. Dipti Hazarika wife of Mr. Satish Hazarika of village No.1 Gerimari, P.O. Mangaldoi, Dist: Darrang, Assam-784125 started her tailoring business by availing micro credit (first cycle) of Rs.7,000/- from Nightingale Finvest Private Ltd. She started her business in the beginning with only one sewing machine. She made the dresses for ladies only. Now she has availed of fifth cycle loan of Rs.35,000/- and increased her sewing machines to 2. Apart from engaging one tailor another two workers are also engaged now in her tailoring shop. Due to financial support received from Nightingale FinvestPrivaeLtd she was able to develop her business and also built Assam Type pucca house. Her husband is a carrying out selling goods etc in the State of Arunachal Pradesh from house to house i.e. ferrywalla.
Mrs. Dipi Hazarika is determine to develop her tailoring activities day by day so that she can provide support to poor by engaging in her activities. There are five members in her family including one 7 years girl, both father and mother-in-law and here husband. She has expressed her desire to avail of more loan from Nightingale Finvest Private Ltd to invest more fund in her tailoring activities.
