You own and cultivate agricultural
land and are also engaged
in allied activities, like Dairy & Livestock.
You own and manage a manufacturing/
trading/retail/ services enterprise and fulfill
the eligibility criteria.
Households where the Chief wage earner
is in full time employment and draws monthly salary.
The Employment could be Permanent or Contractual and,
in the Government/ Public/ Private Sectors
Households where any of the members has a
successful track record of borrowing 2 or more cycles
from a Micro Finance Institution under the Joint Liability
group (JLG) / Self Help Group (SHG) structure.
Farming Households that own and manage cultivable land and livestock
Households that own and cultivate agricultural land either themselves or in partnership with others.
Households that own and rear milch animals (Cows & Buffaloes) for commercial sale of Milk.
It is easy to imagine that some things must be the way they’ve always been. The pandemic has changed that for us. People are now learning more deeply, changing their expectations, role & contribution.
So did Shankar More, a resident of Shirasgaon village in Maharashtra , who runs one of the two Kirana shops of his village. Pre lockdown his avg monthly turnover was a lakh+ and he was happy dealing with his customers in cash despite having a POS machine. However, when the lockdown reduced footfall in the shop, Shankar had to find alternatives. He began home deliveries by taking orders over the phone and delivering them once his shop closed. But he did not want to do business on credit and collecting cash was becoming unsafe.
Shankar’s BRO Nilesh Hande offered an alternative by teaching him about different digital payment options & bank transfer. Shankar adapted to this new method of transactions while educating his customers about digital payments. This kept his business running, without any loss of goodwill or cash flow. The digital transactions ranged from Rs200-1000. He successfully managed to have no difference in his monthly turnover pre and during the lockdown.
SarvaGram looks up-to agile customers like Shankar who adapt and keep learning new ways to cross hurdles to become victorious.
While many people have lost jobs during Lockdown, I employ 6 and pay wages of Rs. 40,000 a month!”, beamed Pratibha Sunil Jadhav, a resident of village Mohadi, 40 Kms from Nasik.
She used to make Papad and supply primarily to traders in Pune & Nasik, with monthly turnover touching Rs. 3 lakh pre lockdown. As this wholesale supply chain was disrupted completely, the venture was under severe strain.
Pratibha started to activate her network of customers, friends & relatives in nearby villages and in Housing Societies in Nasik. This network has now effectively become her distribution chain, positioning the product as homemade and hygienic! Her husband was a big support, transporting her and the load of Papad to and from Nasik on his Bike every day. The business turnover dipped initially but is rising and would soon reach near pre-lockdown levels, with one difference: earlier she sold in wholesale at Rs. 120/ KG and now retails at Rs. 160!
That the network she created helps many women earn, motivates Pratibha to grow the chain and go digital. SarvaGram will ensure that access to affordable finance is not something she has to worry about, because Pratibha motivates SarvaGram to Grow.
Lalitaben & Rajivbhai are a small farming household based in village Kavitha, Gujarat. They own and manage a snack parlour at the village bus stand and their son worked at a factory in Vithal Udyognagar GIDC near Anand before lockdown cut off both these incomes. Thinking this to be a short-term incidence, Rajivbhai & Lalitaben took up work in a nearby tobacco farm but that proved futile as lockdown extended.
Eager to search for alternative income generating opportunities, Rajivbhai came to know of temporary jobs available in the night shift at the Amul Dairy plant in Anand, 18 Kms away from their home. Both, father and son have taken up this opportunity and are earning Rs. 500 per night! They just need this temporary income to tide over the dry period for their milch animals and till the factory opens. Lalitaben is eagerly waiting for the village bus stand to receive its commuters once again. She is planning a larger menu and longer work hours, for she has two months of losses to make up!
SarvaGram salutes this household, who taught us how to generate alternatives during difficult times and simultaneously keep planning for the future. It will be our privilege to financially assist them to jumpstart their livelihood again.
Sadikbhai, a resident of Alarsa (Anand), Gujarat aggregates scrap from sub-dealers in nearby 8-10 villages,sorts & grades them and sells to larger merchants based in Vadodara. As the lockdown shut his business the question for Sadikbhai was to find means of supporting his household, paying the bills & repaying his loans.
He understood that during the lockdown, a daily cashflow could be secured only by pivoting to an essential service. Of many businesses he evaluated, that of selling fruits and vegetables appealed to him most. An excellent knowledge and great relationships in his catchment villages were a great asset. Sadikbhai owns a mini truck, which he now uses to transport fruits & vegetables from the wholesale market to his catchment villages. He secured the required permits from the local authorities and adapted to the new business rules. He earlier collected scrap, now he delivers fruits and vegetables!
Sadikbhai plans to continue this business line post the lockdown opening up, along with his old business. As his cashflows stabilized, Sadikbhai did not opt for EMI moratorium at all. SarvaGram is inspired by and privileged to serve such enterprising customers who adapt to the new normal.