Saath’s Urban Resource Centre’s are also providing loans for Auto Rickshaws and today we are sharing with you the story of one our client Mr. Dipakgiri Sureshgiri Goswami, who availed the loan services from our URC center.
Dipakbhai is leaving with his family in Guptanagar since last 25 years. There are 11 members in his family, his father, mother and 2 elder brothers both married and have two children each. His father, an asthma patient is unemployed due to health reason.
His mother was working as a domestic worker to run the house. His elder brother left his studies to start earnings through a private job. They have a family house in Changodar village. Dipakbhai started driving the rickshaw on rent to help his family. He was giving Rs.100 as a daily rent for the rickshaw. Maintenance cost of the petrol rickshaw was high and after deducting all the expenses, he was earning between Rs.150 to Rs.200 and that wasn’t enough. Dipakbhai then decided to buy his own rickshaw. He came to know about Saath’s Urban Resource Center through one of our field workers, who informed him about Auto-Rickshaw loans that URC’s provide. He took a loan of Rs.30,000 from URC and borrowed Rs.15,000 from his friends and bought a second-hand rickshaw for Rs.45,000.
Now, he is earning through the rickshaw and is also working in a packaging factory to repay his loan. He shares his experience in his own words: “I am thankful to Saath’s Urban Resource Centre. They have given me a loan and now I am earning Rs.5000 to Rs.7,000 per month after deducting the loan payments. I will be able to repay my loan soon and also I am saving my money for future. My sister-in-law who is working in Saath’s Savings and Credit Cooperative Society Ltd has taught me the benefits of savings which she has learned from Saath’s Micro-finance Centre. Now we are capable enough to give proper education to my brothers’ children and also secure their future through our savings. Thank you very much Saath for your different programs for people like us who are unaware of savings and it’s benefits. And also for URC’s Rickshaw loan scheme.
Mayuri Raval, 19, is a resident of Bapunagar, Ahmedabad and comes from a family of seven. Mayuri is a third year B.com student, studying at PD Pandya Commerce College and has to travel a distance of almost 10 Km daily to reach her college. Her father works at a textile finishing workshop while her elder brother is an estate agent (realtor). The monthly family income of Rs. 20,000 is enough to meet the demands of the family but it leaves no room for future savings or asset creation. Mayuri would return home from college at 12:00 and thus always had an ample amount of time left for other activities or for a part time job. She felt that instead of wasting her time she could utilize it and get a job and earn some extra money. Her elder sister who had witnessed one of the SAATH road shows suggested her to visit the UMEED Saraspur center. Mayuri visited the center and the trainers at the center gave her details about the courses offered, the timings, the charges of the program and other relevant details. Mayuri always had a keen interest in the nursing field however due to her mediocre performance at school level she was not able to pursue further education in the nursing field. She immediately enrolled her name for the BSPA – Bed Side Patient Assistance course at the center. The course timings of 1:30 to 5:30 were perfect for her as it meant that she did not have to miss out on her studies and also had ample amount of time left after the completion of the day’s lectures. She describes her experience as “The UMEED course acted as a turning point for me. It was an opportunity which I felt I had to grab. The first thing I learned at the center was that the main goal of a nurse should be to provide help to others, without thinking of any kind of personal gains. Along with training in the BSPA, I received training in spoken English, Basic Computers and Personality Development. To develop our social skills the trainers at the center conducted a number of activities on Saturdays which also gave me a chance to bond with my batch mates. On the completion of the course I got a job at Ashirwad hospital which is extremely near to my house and thus I do not have to waste my time on conveyance. I am able to balance my time between studies and the job and still have some time left for recreation. I hope to become a part of the Government nursing management programme in the near future”.
This story was documented by Ishan Bhatt, who interned at Saath for a month. He visited the field and met with youth from the Umeed Groups.