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She is a very simple and unassuming woman married to a poor family after she completed class IX as her father was not able to bear the cost of her education. Her husband Jaladhar Halder a day laborer worked very hard to make both ends meet . Once, Jaladhar fell ill and Radharani had to take personal loan from a neighbor at interest rate 5% per month. At this point of time she was brought to the DOPATI SHG of DCBS. She found the heaven in her hand to here that she can get a loan of Rs 5000/ without any security at a much lower rate of interest. She discussed the matter with her husband and decided to set up a grocery shop in the veranda of her thatched house. Within 7 days of her membership she received the loan and her First action was to repay the high interest loan of Rs2000/. She spent Rs500/ for treatment of her ailing husband and with the balance Rs2500/she started the grocery shop. Due to her good nature the ‘ Mahajan’(whole seller) supplied her commodities at 50% credit. The neighbours also extended support by purchasing goods from her shop as far possible. She laboured hard to manage the grocery shop along with carrying out of the family chores.

Her sincerity, honesty, perseverance and business acumen soon drove her business on a higher scale. She started supplying grocery goods for different occasions to the SHG members’ families and others.

She also contacted the whole sellers in Kolkata to purchase the goods at cheaper rate to increase her Profitability. In all her overtures to make growths DCBS was her financial partner. She was very particular in attending weekly meetings and paid the instalments without any default. Gradually the loan amount increased Rs. 10,000/- to 20,000/- & at present she is at the highest level of SME loan issued by DCBS at Rs. 30,000/-.

She is a grand success not only in developing her business but also in bringing about face-lifting in the life style of her family. She converted her thatched house into a small ‘Pakka’ building with arrangement of sanitary latrine and Tube-well for water supply. She put her kids in good schools and took care of their education.

She is an example to our SHG members and a strong devotee of DCBS. She consider DCBS a rescuer in her distress a constant companion in her process of growth & development , a friend philosopher and guide.