With the help of VSSM, Lilabhai was able to expand his business

Lilabhai Devipujak with his family

Lilabhai Bhotubhai Patni(Devipujak) belongs to Deesa village of Banaskantha District. He is a seasonal vendor and his wife helps him in the business. He wished to expand his business but was facing financial limitations. He got to know about the interest free loans that VSSM extends to NT/DNT community members and decided to contact MaheshBhai (VSSM worker). He could avail the loan of Rs 25,000/- with which he got his seasonal stock from the wholesale and could set his business started. It had started off well and he could repay his loan timely and had some savings too!

Thereafter, he borrowed a second loan of Rs10, 000/- to get a house under Rajiv Gandhi Awas Yojna. The actual amount to be paid under this scheme was Rs 2 Lakh 49 Thousand, but as he belong under NT community, he had to pay 55, 000/- from which VSSM helped him avail 45, 000/- through Pandit Dindayal Awas Yojna, hence he could get a house of his own!

As the winters were about to arrive, Lilabhai thought to get warm clothes for winter from wholesale for the season’s business. But he estimated an investment of 1.5 Lakh. He already had an ongoing loan of Rs 10, 000/- through VSSM… but he still decided to borrow a third loan. Given that he had repaid the previous loan timely, VSSM decided to extend a loan of 50, 000/- for his business. Since he was still short of 1 Lakh, he borrowed 50, 000/- from somewhere else on interest and put in all his savings and got his stock of winter clothes for his business.

Lilabhai Devipujak's stall of winter clothes

God bless, his business is doing great and he is also repaying the loan on timely basis.

Lilabhai knows how to drive an auto rickshaw and now he wishes to buy one. He says that his wife will manage his seasonal business at one place and if he will get an auto rickshaw, he can move around with his stock and do business along with getting passengers in the auto rickshaw from which he can earn too. Once he repays both the loans to VSSM, he wishes to get another loan for buying an auto rickshaw.

He has two children and since his engagement with VSSM, he understands the importance of education better. He wishes to send his five year old son to school and also puts aside Rs200/- for his extra tuition. He is focused towards his kid education and their bright future.

Now that we know that Lilabhai has had a taste of how hard work and dedication pays off, we  wish Lilabhai a bright future and may he always keep working hard towards achieving his goals and VSSM shall stand by his side in hour of need. 

Loan ID no. : 1138, 1362

VSSM’s small loans prove to be big help to nomadic communities…

a gleaming Amaratbhai Bajania in her shop, her priced possession…..

When the floods hit Banaskantha the last monsoon, PunjaBhai, a resident of Totana Village was anxious and worried about the condition of his submerged shop and the possible losses that the flood will cause to him. The process of waiting for the water to go down and facing the losses was very stressful for Punjabhai and in this extremely stressful period, he had a heart attack. 

He was immediately rushed to hospital and by the grace of god, he was taken to hospital on time and he was able to recover well. Once the water seeped out of the village, VSSM team had gone to Totada for give relief kits and on talking to Punjabhai they discovered that both of his shops had been destroyed. On hearing this, VSSM expressed their heartfelt sympathies to him and his family and decide to extend him and his son Amratbhai an interest free loan of Rs20, 000/- each. With that amount that were able to restock their shops again and are back on their foot now. They repay the monthly amount of Rs 2,000/- and are also saving the money for themselves. 

a gleaming Punjabhai Bajania in her shop, her priced possession…..

This wouldn’t have been possible without the support of our donors and well-wishers. We extend a heartfelt thanks to all those who came to our support and made it possible for us to help people like Punjabhai .. 

પુજાભાઇને મળ્યું નવજીવન અને #Vssm ના કારણે ધંધામા આવ્યું પરિવર્તન....

બનાસકાંઠામા આવેલ ભયંકર પાણીનુ પુર જોઇ ટોટાણામા રહેતા બજાણીયા પુંજાભાઇ ખુબ ગભરાઇ ગયેલા તેમને ગામમાં 2 દુકાન હતી એમને એમ કે હવે અમારી દુકાનો તણાઇ જશે અમારા ઘરોની શું હાલત થશે બાળકોનુ શું થશે આ બધી ચિંતા સતાવવા લાગી અચાનક પાણીનુ પુર વધતાજ બધાને ત્યાથી સ્થળાંતર કરાવાયા પુંજાભાઇને પાણીનુ પુર જોતા જ હાર્ટએટેક આવી ગયુ પુંજાભાઇને તાત્કાલિક પાટણ હોસ્પિટલ ખસેડવામાં આવ્યા.સમયસર લીધેલી સારવારથી તેઓ બચી ગયા. પરંતુ, પુરમાં ઘરનો બધો જ માલસામાન તણાઇ ગયો 2 દુકાનોનો સામાન પણ તણાઇ ગયો ને ખુબ નુકશાન થયું. 

પુરના પાણી ઓસરતા ટોટાણા જવાનુ થયુ રાશનકિટ અને વાસણકિટો બધાં પરિવારોને આપી પુજાભાઇએ પુરની પરિસ્થિતિ કહી તેમની વેદના વ્યકત કરી 2 દુકાનો તણાઇ ગઇ એ સાંભળી ખુબ દુખ થયુ. vssm દ્વારા તેમને વગર વયાજે લોન આપવાનુ નક્કી કર્યું. તેમના દિકરા અમરતને 20,000 અને પુજાભાઇને 20,000 ની લોન આપી ફરીથી દુકાનમા નવો માલસામાન ભરી દિધો હાલ તેમની 2 દુકાનો બહુ સારી ચાલે છે અને દરમહિને 2000 નો હપ્તો ભરે છે અને સારૂ કમાય પણ છે. 

ફોટોમા પુંજાભાઇ અને અમરતભાઇ દુકાન સાથે નજરે પડે છે...!

Laduben’s new found financial independence….

a gleaming Laduben in her shop, her priced possession…..

“Sangita’s father is a mason but he has never been  sincere towards his work, his willingness to work depends on his mood. I, however cannot afford to be negligent, I have three children to raise. I worked as a daily wage earner but finding work everyday was a challenge. I had to look for alternates to earn and support my family, my children. One day the thought of having a vegetable cart crossed my mind. Since I had no previous experience of doing business, I was a bit apprehensive. But VSSM’s Maheshbhai assured me a loan from the organization and provided  all the necessary guidance and support  to run a business. My business  did well and I felt  more confident. A small place adjoining to where I stood with my vegetable cart was up for sale. I decided to purchase that space. I did not have enough money but was confident of cracking the deal. My brother offered me some money while I borrowed the remaining amount. I approached Maheshbhai once again, this time he helped me get a bigger loan of Rs. 25,000. This loan was used to build a vegetable shop. My business is doing well and I have been able to pay off most of my previous loan amount.” This is Laduben Raval from Banaskantha’s Deesa. The dream she has is of  performing a debt free marriage of her daughter who is 16 years old now. She plans to be financially secure by the time her daughter reaches marriageable age.  The business has helped her pay off the first loan and save some for her family’s financial security.

May she succeed in realizing her dreams. Our wishes are always with her…..

‘સંગીતાના બાપા કડિયાકોમ કર. ઈમન પૈસા બૈસામાં બહુ હમજણ ના પડ. ઠીક હોય તો કોમે જાય નકર... માર તૈઈણ છોકરાં બધાન ખવરાવવું પીવરાવવું તો ખરા ન? મે કોય દાડો ધંધો નતો કર્યો. મજુરીએ જવું પણ એય કાયમ ના મળ. એકદાડો શાકભાજીની લારી કરવાનો વિચાર આયો. મહેશભઈ (#VSSM ના કાર્યકર) જે સંસ્થામાં કોમ કર એ સંસ્થા વગર વ્યાજે લોણ આલ એવી ખબર પડી ઈમન વાત કરી અન ઈમને દસ હજાર લારી લઈન ધંધો કરવા આલ્યા. હિંમત આવી. હારુ હેડ્યું. જો લારી લઈન ઊભી રેતી તો એક ભઈએ દુકોન થાય એટલી જગ્યા વેચવા બલ્લે કાઢી. મે જગ્યા રાખવાનું નક્કી કર્યું. એક રૃપિયોય મારી કન નતો. પણ થઈ રેશે. મારા ભઈએ મદદ કરી અને થોડા ઊછીના લઈન જગ્યા રાખી. દુકોન બોધવીતી. મહેશભઈન ફરીથી કીધુ તે ઈમને પચીસ હજારની લોન આલી અન દુકોન બોધી અને થોડો સોમોન લઈ. ધંધો સરસ હેડ હ. દેવુએ ઘણું ભરી દીધુ.’

લાડુબહેન રાવળ બનાસકાંઠાના ડીસામાં રહે. 11 મહિના પહેલાં આપેલી લોન તેમણે પુરી કરી. દસ હજાર તો એ પહેલાં પુરા કર્યા હતા. મોટી દીકરી 16 વર્ષની છે. તેના લગ્ન વખતે કોઈ સામે હાથ લાંબો ના કરવો પડે એવું આયોજન કરવાનું લાડુબહેનનું મન છે. તેઓ સફળ થાય તેવી અભ્યર્થના.. અને લાડુબહેન જેવા હજારો પરિવારોને મદદરૃપ થવાનું જેમના થકી શક્ય બન્ચું તેવા સ્વજનોનો આભાર...