Cooperative helps rural women gain financial independence
Celebrating International Women’s Day gives members of a rural women’s collective the opportunity to reflect on their improved livelihood and progress with renewed zeal towards financial sustenance
As members of
her collective plan to celebrate International Women’s Day, Kuwarben Rana, a
Divyang woman from Vadnagar village of Kodinar administrative block, Gir
Somnath District, reflects on the progress she has made despite her physical challenges.
Determined to be financially independent, she started her own business to sell
readymade clothes for women, from the paltry space of her kuccha house.
“I joined the mandali
a year ago with the intent of saving every month; but with no constant or my own
source of income it was getting difficult to continue the regular deposit,”
said Kunwarben, recollecting the earlier days when she had not even thought of
starting a business. “In my family there is no one who has a regular job or an
assured source of income.”
The mandali
(federation) strives to effect changes in the lives of more women each year
with loan and credit facilities for those in need. It is made possible through
the active engagement and meetings of the women members of the mandali from
over 39 villages, with the help of cluster coordinators.
Inclusive opportunities
For Kunwarben
Rana, a physically challenged person, it was a desire to educate her children
that motivated her to join the savings group and go on to build her own
business. For many women like Kunwarben, a sense of realization of economic
liberty spurs them on.
“I took loan from the SHG for about Rs 50,000 and started this shop for
readymade blouses, petticoats and sarees. With the income generated through sale
of these clothes, I am able to repay the loan and support my children’s
education,” Kunwarben said with pride.
With her growing confidence and knack for learning further, she uses a smartphone
in her work. She learned its use initially from Internet Saathi, a joint
initiative of Google and Tata Trusts, to develop digital literacy among rural
women. It was implemented by women members of Sorath Mahila
Vikas Mandali.
Timely support
Lakshmiben Solanki of Damli village in Kodinar administrative block has
built her own readymade clothes business and tailoring work. She shares, “I
joined the SHG 13 years ago, regularly saving Rs 50 per month which is now Rs
100,” she said. “Beyond savings we realized we could create a livelihood for steadier
income.”
Lakshmiben has four children and she feels strongly about the importance of educating her wards. To enable their learning and supportive environment, she chose to create income enhancing capacities. “I learned tailoring in the classes that the federation conducted,” she said. “To put to use what I learned, I started my own shop to sell readymade women’s clothes with a loan of Rs 1 lakh.”
During lockdown, businesses were bogged and income dwindled. “As always I
got support from my mandali as they helped me get bulk orders for masks for nearby
company workers,” she said. She can now prepare a batch of over 900 masks in
day. “It made me realize with true zest and interest we can get through even in
tough times with support and skill.”
Financial independence
“Women in this region have realized the need of income generation and sought
ideas, skills and they thrive on learning, just like myself as an example,”
said Varshaben Rathod, cluster coordinator of SHGs under the Sorath Mandali.
The women have regular meetings for saving purposes, but with each meeting
as they share concerns of everyday life, they also discuss social progress. The
thought germinates through support, the ambition to learn and progress towards
their goal of financial freedom.
Financial assistance is one of the many aspects by which women of this
region continue to break taboos. When they earn, they build on their confidence
and establish encouraging examples for the next generation.
This fact is reflected in the findings of an ongoing research on the implementation
and effectiveness of Internet Saathi program in Kodinar and Dahod blocks of
Gujarat. The report says “in the gap of one generation, women are literate and
have ambitious young women who pursue higher education and skill building
programs.”
There are various examples like of Kuwarben Rana and Lakshmiben Solanki
in different villages of Kodinar block, whose first step to financial freedom
is to connect with more like-minded women. They gather and learn each time to
cultivate and welcome new ideas.
Collective progress
Sorath Mahila
Vikas Mandali, a registered federation
and licensed with a cooperative, continues to grow as a dynamic platform for
banking. Rural women have learned to create and run their own accounts and
strengthen the community of over 5,000 women.
“We have been celebrating Women’s Day on 8 March for some years now and
for this year’s theme we have announced Women and Hygiene and there will
be counselling sessions with doctors on the same,” said Motiben Chavda,
president of the federation. “The past year has taught us more about health due
to lockdown and covid scare.”
Given the pandemic situation, the women would not be gathering at one
place but in all the nine clusters in small groups, so that they can maintain
social distancing norms. Hence the programs would be extended over a week,
women’s week as they call it. Coming together on International Women’s Day not
only helps the women to reflect on their past achievements but to work
collectively towards furthers progress.
Palak Gosai is Managing Editor of VillageSquare and
Manager-Communications at Transform Rural India Foundation. Views are personal.
Email: palak@villagesquare.in