Kumbalam was an island in Ernakulam district, surrounded by backwaters of Vembanattu. Now N.H.47 byepass road from Edappally to Aroor passes through Kumbalam and the place got some developments thereby. But most of the inhabitants are still living on fishing ,agriculture,and manual labour.The womenfolk of this area are not at all experienced with any productive works. It was really a challenging attempt to create a self help group[S.H.G.] under S.G.S.Y. from these people and to bring forward them to the mainstream of the society.
Aiswarya S.H.G.,Kumbalam in ward No.11 of Kumbalam Grama Panchayat in Vyttila Block Panchayat was formulated on 29th October 2001 by 11 housewives of the area. Most of the members were poor and strived hard on their daily bread. Smt. K.S. Asha, Lady Village Extension Officer of Vyttila Block Panchayat, who holds in charge of Kumbalam V.E.O. circle, had taken initiative to form Aiswarya S.H.G. and its post-activities.
The group members held meetings every week,collected thrift amount and deposited the same in Union Bank of India,Thevara branch regularly.They got loans from the deposits and refunded it properly.The Block Panchayat authorities assessed the group activities for six months.
After grading, the S.H.G.was given its Revolving Fund of Rs.25000/-[Rs.20000/- loan and Rs.5000/-subsidy] on 30th July 2002 from U.B.I.Thevara. Utilising this amount they started production of soap powder and tailoring works. As they remitted R.F.regularly, second grading held on 10th March 2004 and the group members were trained for rabbit rearing. Consequently, they got Rs.1,10,000/-under S.G.S.Y.for rabbit rearing [Rs.55000/-loan and Rs.55000/-subsidy].They also continued tailoring works and plantain farming along with rabbit rearing.
All these activities are gone smoothly. Now they get a monthly earning from these works and can repay the loan instalments regularly. Now the repayment is almost to be completed.
The bank officials and block panchayat officials have helped them a lot to make their venture a success. Now we can proudly say that Aiswarya SHG, Kumbalam is capable and efficient to carry out any projects of this kind with a fruitful result.
Aiswarya S.H.G.,Kumbalam in ward No.11 of Kumbalam Grama Panchayat in Vyttila Block Panchayat was formulated on 29th October 2001 by 11 housewives of the area. Most of the members were poor and strived hard on their daily bread. Smt. K.S. Asha, Lady Village Extension Officer of Vyttila Block Panchayat, who holds in charge of Kumbalam V.E.O. circle, had taken initiative to form Aiswarya S.H.G. and its post-activities.
The group members held meetings every week,collected thrift amount and deposited the same in Union Bank of India,Thevara branch regularly.They got loans from the deposits and refunded it properly.The Block Panchayat authorities assessed the group activities for six months.
After grading, the S.H.G.was given its Revolving Fund of Rs.25000/-[Rs.20000/- loan and Rs.5000/-subsidy] on 30th July 2002 from U.B.I.Thevara. Utilising this amount they started production of soap powder and tailoring works. As they remitted R.F.regularly, second grading held on 10th March 2004 and the group members were trained for rabbit rearing. Consequently, they got Rs.1,10,000/-under S.G.S.Y.for rabbit rearing [Rs.55000/-loan and Rs.55000/-subsidy].They also continued tailoring works and plantain farming along with rabbit rearing.
All these activities are gone smoothly. Now they get a monthly earning from these works and can repay the loan instalments regularly. Now the repayment is almost to be completed.
The bank officials and block panchayat officials have helped them a lot to make their venture a success. Now we can proudly say that Aiswarya SHG, Kumbalam is capable and efficient to carry out any projects of this kind with a fruitful result.
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