I have always worked hard to provide for my family. I am a micro-entrepreneur in the fireworks industry, one of the many people working behind the scenes whose efforts light up the sky during India’s biggest festival, Diwali.

Although I am skilled and dedicated, my income from tube ...

Three years ago, with the support of Dvara KGFS, I strengthened my small dairy farming venture by purchasing cows through an enterprise loan. At the time, I managed only six cows and sold milk locally, doing my best to maintain a steady income for my family.

I stayed disciplined with my r...

I run a modest hardware store that serves the people in my village. Like many small rural businesses, my daily presence is important for the store to function smoothly. I always had a dream of expanding my business, but I had to set it aside because travelling to the nearest city for a loan meant...

I run a small trading business in Rajam village, and securing a loan helped me purchase enough inventory to keep my shop consistently stocked. With timely financial support, I was able to make bulk purchases, reduce costs, and run my operations more efficiently.

This not only improved cus...

I live in a small village near Mysuru with my husband and children, working hard every day in my cattle business. I raise eight cows and sell milk, doing my best to provide for my family and build a better future for them. Managing a cattle business is not easy, especially during challenging weat...

I come from an agrarian family of four, and as a first-generation graduate, I have always worked hard to support my family. Today, I run a small medical shop, facing the daily challenges of entrepreneurship with determination and commitment.

I took an Enterprise Loan from Dvara KGFS and u...

I live in Anatarukiari, Odisha, in a close-knit joint family with my husband, children, and grandchildren. Like many women who put family first, I have always carried the quiet responsibility of securing a better life for the next generation.

With the help of a Joint Liability Group (JLG)...

“After completing high school, my parents were very keen that I take up engineering, which I did, and I ended up completing a Bachelors in Mechanical Engineering. Post which, I joined a reputed firm as a Quality Engineer but knew very quickly that this line of work was not for me. I decided...

As a weaver, I have been into making sarees for over three decades now. The lockdown and the resulting situation is something that I have never experienced before. The demand has come to a standstill, especially with no marriage functions being held, which used to be a major source of revenue. Th...

I have been a customer of KGFS for over four years now and have relied on them for my financial needs over the years. With the first loan that I took from them, I started my journey into the dairy business, which I continue to run.The income from dairy, along with what I earn from the little Agri...

“We have been into agriculture for generations. My father and grandfather were both farmers, and I walked in their footsteps to be one too. We own three acres of land and sow vegetables evenly. There are challenges as with any profession; however, our experience and understanding of the cro...

“I got married to my husband, a farmer when I was just 20 years old. It has been 20 years since then. We have two children now. My husband’s income from the farm was always minimal through the years and we did not have any substantial savings. To make matters worse, 10 years ago, my h...

Kasthuri lives in Risiyur village in the Thiriuvar District of Tamil Nadu. Her husband works overseas as a salesperson so he can earn more and provide for the family.Kasthuri looks after her 2-year-old daughter and runs her own tailoring unit. The pandemic caused severe financial difficulties as ...

It was a Wealth Manager from KGFS that came as a ray of hope during a very difficult time that I found myself in about five years ago. I don't recollect her name, but had it been not for her, I am not sure what I would have done. I had taken a loan to purchase cattle to earn an income, however, h...

“Every village household knows that gold is a huge necessity. Because most of our husbands here are engaged in farming or some sort of daily wage labour, our incomes aren’t stable, and we cannot rely on that to run our households or meet sudden immediate expenses. Hence, we all hope t...

“I joined the Dvara E-Dairy team as an intern working on developing an app that would collect cattle details and images from the farmer and store it on the cloud. One of the challenges we had to navigate was patchy internet connectivity from the field which we circumvented by storing inform...

Kempalamma works as an agricultural labourer in the village of Jakkahalli. Her husband is a mason and together they have two daughters and a son.

The Covid-19 pandemic has not been kind to Kempalamma and her family. Her husband lost his job and due to constant financial constraints, ...

“I have been a mechanic for over 20 years now, running a welding/repair shop that caters to all types of vehicles. It’s a profession that I am well versed in, and I supplement my income by also operating a travel cab and vehicles for vegetable transport. I was briefly in Singapore doi...

“The lockdown and the restrictions it brought about was a very difficult period for me to manage things financially. My husband works in Singapore as a labourer, and from March onwards he hasn't sent in any money. Things came to a standstill, and it's an experience that I would never forget...

They say inspiration can come from anywhere, and I found mine in my son's school. I always liked doing make-up; at a fancy dress competition that my son participated in, I got a chance to showcase my skills. The response was overwhelming, and he eventually won the first prize. The teachers at sch...

Seethalakshmi has been part of the Dvara team for the last ten years. Born and brought up in Tirunelveli district, Tamil Nadu, she moved to Chennai 25 years ago and now lives here with her husband and two children. Her husband is a security guard at a school, and together they have raised and edu...

I’ve borrowed from microfinance companies earlier, but the experience of availing credit through Dvara E-Registry and Dvara KGFS was a truly unique experience for me. The loan amount was adequate, and the interest rate was affordable for me. Also, the loan was disbursed on time. We are happ...