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Self help and micro credit for underprivileged women
 
OTHER PROJECTS AT HOPE
Hope Home for Girls
The Home provides a shelter to traumatized children especially those without families.
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Counseling Support
To improve traumatized children's emotional, mental and physical health by providing health care and counseling support.
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Vocational Training
The unit was set to give employment opportunities to poor adolescent girls.
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Child Watch in Kolkata
24 HOURS child protection program for the deprived children on the streets of Kolkata
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Education
Day care for children of working mothers and Additional learning skills for children in school.
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Community Participation
To identify 15 vocal members of the community who were willing to be involved in building an environment for children’s appropriate development.
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MICRO CREDIT & MICRO FINANCE
Providing savings and self-reliance for women
Target Population: Women of low socio-economic status
Geographical area: Ward Numbers 82 and 85


Activities:
•  Regular meetings of group members
Regular monthly savings
Bank Contacts
Continuity of savings encouraged and reasonable interest provided for savings
Timely credit provided i.e. loans for entrepreneurship, loans given from common funds
Training and capacity building for women via various business development plans


Achievements
•  Two hundred and fifty mothers are registered in Self Help Groups (SHGs). There are 25 groups and each consists of 10 mothers from the urban slum areas. These women are empowered through formation of self help-micro credit groups. The community as a whole is improved through group problem solving and decision-making.
Each SHG group has set up its own bank account.
Six mothers are fully trained on hand made paper design and are now working in the production unit.
Six mothers are fully trained in cord bag making and are now working in the production unit.
The SHGs produced and supplied Rakhi/ friendship bands to various corporate bodies and NGOs.
Eighty-eight mothers from the micro credit group attended a free orientation of Insurance by LIC agent.
Fourteen SHG members availed of loans to set-up and run their businesses improving the economic status of these women and their families.
Three staff members attended a workshop on micro credit organized by Access, a project of Care International. Presence at this workshop was important to ensure a rapport is built between the HOPE’s micro-credit group and this organisation so that the micro credit group can be enlisted in this forum.
Three exposure visits were completed by the coordinators in RDC, IGNOU and Syscon.
Two women received training from RDC.
Fifteen mothers are participating in the income generation programme unit called Unnati. This unit is involved in the production of hand made greetings cards, costume jewellery and fashionable bags.
Twenty six mothers attended capacity building training on SHG.
A CSR programme with Tata Consultancy services donated two computers to the micro credit group and to the Unnati production unit. Unnati production unit was also added to their mailing list and to the NGO tradelink website. Software on adult literacy has also been generously donated.
A workshop on micro credit organised by the State Bank of India was attended by the Programme Coordinator. Again this was important to build a rapport with this bank and to ensure the micro credit group was enlisted. An awareness camp on the development of bank contacts was also organised in ward 82. A 70% attendance was recorded. An expert from the State Bank of India presented this awareness programme.
The Unnati group organized an exhibition where 50% of their total products were sold.
Seven groups from the Chetla Slum of Ward 82 were introduced to the West Bengal State Cooperative Bank. A total of 68 women from these groups opened bank accounts. They now have access to this bank and are encouraged to save. After six months each woman will qualify for a loan from the bank with a 2% interest rate. These women are all maid servants. Their self-esteem has increased as a result of this self help group. They now have access to banks and are informed on their benefits as a result of direct communication with the bank manager.
A cd was made on the production of handmade paper and greeting cards. This cd was presented to the Oxford bookstore, Pantaloons and Landmark.
A kite-flying day was organised to raise awareness on the subject of child labour. The kite was chosen as it is seen as a symbol of freedom. Children performed street drama, dance and song in various corners of Kolkata. Information leaflets on children’s rights were also distributed. The day was very successful.
Unnati, the income generation group of micro credit successfully completed three big orders within a specified time frame. Each order was different in nature. One order was for 150 wedding cards, another was for 75 christmas cards and the final order was for 30 embroidered cotton carrier bags. The creative design and high standard of each order was very well received.
The Unnati group in conjunction with Hope Kolkata Foundation organised an exhibition in the Tolly Club. A total of 50% of all products were sold and a profit of Rs 6000/- was reported.

The success story of Ganga Das
Ganga Das is living in a rented house of Chetla slum area (Ward no 82). She is 34 yrs old and married for last ten years. She has two sons. Elder one is 11 yrs old studying in Class VI and the younger one is 9yrs old, studying in class IV. Her family is running smoothly before her husband had an accident in the year of 2005. Her family becomes completely shattered after this accident. Earlier her husband used to work as auto driver but after the accident his both the legs got damaged and immediately the earning got stacked. Ganga started working as maid servent. She went through very bad time infact she was bound to stop her children’s education also. She joined our group Uttaran in the year of 2007 and started to save money. Before coming to our group she has no saving, no bank account. At present she has deposited her money to the West Bengal State Cooperative Bank through her group. Her individual saving amount is Rs.1000/-. Last year she took Rs.1000/- as loan from her group for the school admission of her children and repaying the loan regularly. She also started working in our Unnati (the income generation group) whenever she was free and started earning money. Recently she got the permanent job in our Hope restaurant as helper. Now she is earning Rs.20007- per month and can able to support her family. Her husband also started working in a small manner. And her children are regularly going to the school.
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