Supply of credit at village level in the areas of rural Uttarakhand has always be an issue of development. Identifying this an opportunity towards economic development of the region Balajee Sewa Sansthan has opened 3 branches of Microfinance in
Dehradun & one branch in Uttarkashi to extend the financial services in these identified villages. We offer following products in livelihood finance-
Micro credit Loans- Meeting the working capital requirement of small businesses initiated by poor households. The loan has also been targeted towards customers opting for partly finance to purchase the livestock. Size of loan varies between Rs.6, 000 & 10,000.
Micro enterprise loans- To promote entrepreneurship among rural & semi-urban customers by providing loans for purchasing capital assets or working capital in bulk to run business smoothly & incur more profit. Size of loan varies between Rs.15, 000 & Rs.30, 000 depending upon the creditworthiness & expertise in skills possessed by the customers. Credit limit may be increased till Rs. 50, 000 in second loan cycle depending upon the growth of business & repayment history of customer. Balajee Sewa Sansthan has identified rural tourism as key activity for which micro enterprise loans can be provided to clients.
Entrepreneurship does not come only from the money, even with scarce resources but with a true determination you can achieve your mission. The statement is perfect for Rekha Ji one of our valued customer. She owns a small tea stall in one of the nearby villages of Dehradun. From the very beginning she was focused to add more services & make proper utilization of loan taken from Sarthak Microfinance. Rekha Ji wants to start tiffin service from loan procured from Sarthak. This would help her in diversifying her business from tea stall to tiffin services.
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Passing through the lanes of village Pondha in Dehradun district, you will be forced to stop by just taking a look on a well type structure which is none other than a reliable renewable source of energy i.e. energy produced out of cow dungs locally known a 'Gobar gas plant'. Uma ji, one of the clients of Sarthak Microfinance was very clear for construction of 'Gobar Gas Plant' as it would end her dependency on LPG gas cylinders which are very costly & hard to get in the villages. Uma Ji utilized the loan from Balajee Sewa Sansthan to construct this plant for which raw material i.e. cow dung is easily available in the villages. |
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