Families from nomadic communities begin independent businesses after availing loan from VSSM..

Mittal Patel meets Tulsiben Kangasiya during her visit to
Tankara

“You sensed my dreams, chose to support me as a result I have goods worth Rs. 3.5 lakhs stocked in this open-air shop. Two years ago, I could not purchase goods worth Rs. 10000!! Life is good now, we are making progress. You helped me reach here, now it is my turn to help others.

Tankara’s Zaverbhai’s face was lit with an unexplainable aura whilst he was narrating his journey with us. I looked a little confused when he mentioned his willingness to help others. And he could sense that.

Mittal Patel with Zaverbhai and Tulsiben Kangasiya

“We haven’t known each other for long, yet you helped me expand this business, it has helped increase the profitability of the business. Kanubhai (VSSM’s team membe    r) always says that we are family to you. While sanctioning the loan, you also encourage our communities to support the families struggling to make ends meet. You ask us to make them part of our joy and happiness. Many buses make a stopover at this place. People disembark and many board the bus from here. I see a lot of tribal families reaching here in search of work. Last winter when I was setting this place, I saw their kids shivering of cold. Even their parents had nothing to warm them up. Ben, I brought 400 sweaters from seconds market. I gave them to whoever in need at this bus stop. I would have loved to give them new ones but that I could not afford. The intent was to keep them warm, the sweaters I provided must have done that.”

Zaverbhai Kangasiya's open-air shop

We were passing through Zaverbhai’s place in Tankara, we decided to stop by after we saw that he was around. He insisted we spend some time and took us to the charpoy at the back of his yard. Zaverbhai and Tulsiben reflected content and calmness on their face.

Only two years ago the same couple earned their living by working as loaders. Zaverbhai dreamed of a shop with good worth Rs. 5,000 to 10,000 stocked in it. Family and community helped him build some corpus to buy the shop, however, he was still short of funds. Taking a loan from a private money lender would have proved very expensive.

Zaverbhai was prepared to fly,  but the shortage of funds had clipped his wings. He was a little confused on how to go further.  

Zaverbhai Kangasiya has goods worth Rs 3.5 lacs stocked

Our Kanubhai and Chayaben talk about VSSM’s activities to the Kangasiya families of Saurashtra. They help them progress in life. Zaverbhai shared his dilemma to Kanubhai.

VSSM sanctioned Zaverbhai the loan because we knew he had a vision and was prepared to work hard to realize it. The loan helped meet the deficit for buying the shop and to procure goods to kick start the business. 

There was no looking back for this couple after that. Within two years,   Zaverbhai paid-off all the debt he owned to everyone he had borrowed money to buy the shop. Shortly Zaverbhai is planning to buy another shop in  Tankara Bazar. He has goods word Rs. 3.5 lacks stocked with him.

VSSM has provided a loan to thousands of families to start their independent businesses, most of them believe that the funds VSSM provide are hard-earned money and will bring them good. I   also believe this because the funds VSSM’s well-wishers donate reflect their pure intent and humility. Such funds are bound to bring progress to its receiver.

We wish Zaverbhai and Tulsiben all the very best in their future endeavours.

 'તમે મારા સ્વપ્નને સમજ્યા ને જે મદદ કરી એના લીધે જ આજે આ થડા(ખુલ્લામાં કરેલી દુકાન) માં સાડા ત્રણ લાખનો સામાન ભર્યો છે. દસ હજારનો સમાન ખરીદવાની હેસિયત બે વર્ષ પહેલાં નહોતી પણ આજે બરકત છે.. તમે મને મદદ કરી તો મારેય બીજાને કરવી જોવેને?'

ટંકારામાં રહેતા ઝવેરભાઈ આ વાત કરી રહ્યા હતા. ત્યારે એમના મોંઢા પર જબરી ચમક હતી..વળી એમણે બીજાને મદદ કરવાની વાત કરી, એમાં મને કાંઈ ખાસ સમજાયું નહીં. મારી મૂંઝવણ સમજી ઝવેરભાઈએ થોડો ચોક પાડ્યો..

એમણે કહ્યું, 'આપણી કોઈ લાંબી ઓળખાણ નહીં તોય તમે મને બેઠો થવા મદદ કરી અને હું બે પાંદડે થ્યો. કનુભાઈ(અમારા કાર્યકર) હંમેશાં કહે, અમારા માટે તમે અમારા પરિવારના છો.. લોન દેતી વખતે તમે પણ કહેતા હોવ છો કે, તમે સુખી થાવ તો તમારા એ સુખમાં બીજાનેય ભાગીદાર બનાવવા તે બેન.. મારા આ થડા પાહેથી જુદા જુદા ગામની બસો અને ગાડીયો ભરાય. આદિવાસી ભાઈ બહેનો પોતાનું વતન છોડી અહીંયા મજૂરી માટે આવે. ગયા શિયાળે હું થડામાં સવારે વહેલાં સામાન ઊતારતો હતો એ વખતે મે જોયું કે નાના નાના બાળકો ઠંડીથી થથરી રહ્યા છે. સ્વેટર જેવું એમના મા-બાપમાંય ઘણા પાસે નથી હોતું. તે બહેન હું ચારસો સ્વેટર સેકેન્ડમાં લઈ આવ્યો અને ગાડીમાં બેસતા- ઉતરા જેની પાસે ગરમ શાલ કે ઓઢવાનું ન હોય એને એ આપુ. નવા સ્વેટર આપી શકુ એટલી સગવડ નથી પણ મૂળ હેતુ તો ઠંડી રોકવાનો છે ને? તે આમાં સચવાઈ જાય છે...'

ટંકારા ચાર રસ્તે આવેલા એમના થડાને જોઈને અમે ત્યાં ઊભા રહ્યા તો એમણે બહુ આગ્રહ કરીને થડાની પાછળના ભાગમાં ઢાળેલાં ખાટલે અમને બેસાડ્યા ને નિરાંતે ઘણી વાતો કરી..

એક સંતોષ ઝવેરભાઈ ને તેમના પત્ની તુલશીબહેનના મોંઢા પર જોઈ શકાતો હતો..

બે વર્ષ પહેલાં ગાડીમાં સામાન ભરવાની મજૂરી કરતા ઝવેરભાઈએ ટંકારાની બજારમાં પોતાની દુકાન થાય અને થડામાં પાંચ દસ હજારની જગ્યાએ વધારે સામાન ભરવાનું સ્વપ્ન સેવ્યું. દુકાન ખરીદવામાં કુટુંબીજનો, સમાજના લોકોએ સૌએ મદદ કરી તોય પૈસા ખૂટ્યા.

વ્યાજવા પૈસા લાવે તો વ્યાજ મારી નાખે..શું કરવુંની મૂંઝવણ હતી.

એક ઉડાન ભરવાનું નક્કી કર્યું પણ પૈસા વગર બધુ નકામુ..અમારા કનુભાઈ અને છાયાબહેન સૌરાષ્ટ્રમાં વસતા કાંગસિયા પરિવારોને સંસ્થાના વિવિધ આયોજનોની વાત કરે અને તેમની પ્રગતિમાં મદદ કરે. ઝવેરભાઈએ કનુભાઈને પોતાની મૂંઝવણ કહી.

સ્વપ્ન જોનાર મહેનતકશ હોય તો મદદ કરવી જોઈએ. એટલે અમે વગર વ્યાજે લોન આપી. જેનાથી દુકાનમાં ખૂટતાં ઉમેર્યા અને થડામાં પહેલીવાર ત્રીસ હજારનો સામાન ભરાવ્યો. પછી તો ગાડી નીકળી પડી...

મહેનત કરનારને લક્ષ્મી વરે એ વાત ઝવેરભાઈ તુલશીબહેને સાબિત કરી બતાવી...

બે વર્ષમાં 12 લાખની દુકાન ખરીદવા માટે જે પણ લોકો પાસેથી પૈસા લીધા હતા તે બધા ઝવેરભાઈએ ચુકવી દીધા. ટંકારાની બજારમાં જ એમણે બીજી દુકાન જોઈ છે જે ખરીદવાનું ઝવેરભાઈ ટૂંક સમયમાં કરવાના છે.. આ સિવાય દુકાન અને થડા પર થઈને સાડા ત્રણ લાખનો સામાન તેમની પાસે પડ્યો છે...

ઝવેરભાઈ તુલશીબહેનને ઘણી શુભેચ્છા...

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#success #business #employment

#successstories #businessloan

#interestfreeloan #smallbusiness

#hardwork #nomadictribe #Tankara

VSSM enables Talabhai add silver border to his life

VSSM helps Talabhai Barot Expand his Business

Talabhai showing his embroidery material

Talabhai Ukabhai Barot is the resident of Old Deesa of Deesa Taluka of Banaskantha District. Talabhai is earning his livelihood expenses by running a small business of embroidery lace borders. It was very difficult for him to run his house with the investment of small amount for the business. The costing of running business was more and earning was lesser. Thus, Talabhai could not fulfil the basic needs of his family. Talabhai, the father of three daughters, was taking the money from the private money lenders for high amount of the interest on it. The small capital on hand restricted him to buy more material on a cheaper price from the wholesale dealers. He was buying his business material from Palanpur and his profit was less due to buying less material on a daily basis on a higher rates from the local shop. The local money lenders used to take higher interest rates and even if any day he didn’t have business, he had to pay the actual interest for the capital he has taken from the local money lender. 

Talabhai was already earning lesser than his requirement and wanted some loan to purchase more material for business. He goes to the surrounding areas to sell the embroidery borders. Initially he used to buy material for Rs. 5000 and 2000. Then he met VSSM Karyakar Maheshbhai through a loaner of the VSSM. He expressed his problems and asked if he can have some loan from VSSM. He was given Rs. 20,000 during the May 2017. The good part of showing trust to him has now given him confidence to buy more material from Surat for wholesale rates. His profit has increased as well. This interest free loan saves the interest he had to pay earlier. His capacity to buy more material has made him good businessman who can give considerable options to his customers. All these changes have enabled him to repay his loan to VSSM regularly. 

He has already paid half of the amount of his loan that is 10,000. He himself calls Maheshbhai to pay the dues which shows his integrity. Talabhai says that now he is not in that poor condition or feels disrespectful. But this help brought stability in his earnings and made him stronger to buy more business material. Earlier local lenders used give loans of 10000 by cutting 1000 as interest and he had to pay rest 9000 by 100 Rupee each month. This made the vicious circle of debts going and amount to be paid increased. But VSSM's interest free loan freed him from this vicious circle.  

Maheshbhai says with smile, “Local money lenders are telling us that our business is now in danger as your organisation is giving interest free loans. People don’t come to us for money now but they say that we are getting interest free loans and that is very helpful to them.” 

What more can be success than this to us! Our trust is taken care by repaying the loans on time with thanks by the community. We could be the means for them to bring stability in their lives by our small amount of helping hand. 

We owe this success to our respected donors! We hope you keep appreciating us like this. 

Loan ID: 1325

VSSM becomes the strong support for Jiviben in her old age struggles of life

VSSM Supports Hexagenerian Nomad Woman by giving Interest Free Loans

Jiviben showing the cutlery

Jiviben belongs to Totana village of Kankrej Taluka in Banaskantha District. Jiviben’s age is about 60 years. She stays in a small hut with her son. She and her son used to sell cutlery and running their small business. Her son used to go place to place on a bicycle selling cutlery material like rubber bands, hair clips and balloons. Son’s earning alone. They were living on the basis of the income they earned daily.They were purchasing grocery and business material everyday. This practice was more difficult as they could buy and save nothing. More money went in to material purchasing and that was costlier to manage on a daily basis. They could not earn enough comparing with the hard work they used to do. They thought to store ration of at least one month and to purchase material on a wholesale rate; so that, they can save little profit which they used to lose in daily purchases.

They were struggling hard to meet their daily basic needs. Meanwhile, flood washed everything they had. Their house was affected and their life became tougher.

Jiviben talking about her Business to Mittal Patel

VSSM helped Jiviben and her son by providing an interest free loan of Rs. 10,000 for their livelihood. The mother and son felt very happy to see a good amount on hand. They purchased ration for their daily needs which saved their money which used to be spent on daily purchasing of the ration and business material. They purchased more material for business and divided it in to two parts. Her son took more material to sell on bicycle. Jiviben also helped by selling the material while carrying the basket on her head, moving around in nearby areas on her feet. Jiviben's feet hurt due to this constant struggle for survival. They both are trying hard to earn but still they have to build a stronger house replacing the hut. They have repaid Rs. 3000 out of the loan of Rs. 10,000. 

We are grateful that we got donors like you who are giving us consistent support to help people like Jiviben!

Loan ID: 1561