Reshma Mujeeb’s Beauty parlour Updated On 2017-11-17

Reshma Mujeeb from Chalikavattom was very much interested in becoming a beautician and hence enquired and attended a beautician course. She got certified in this course and planned to start an enterprise to make a living. She approached the corporation NULM team where she was given instructions to make a loan application. Union Bank Chakkaraparamb sanctioned her a loan for Rs. 1,80,000 and established her enterprise on 31.07.17. She is making a monthly income of Rs. 10,000. She plans to scale up her business by purchasing more equipments for her shop and gain more customers.

Sajin’s Bakery Updated On 2017-11-16

Sajin was able to establish a good bakery in the year 2016. He wanted to start an enterprise since some time but financial constrains held him back. When he came to know about the SEP component of NULM he applied for loan to setup his enterprise by availing loan from Union Bank of India Palarivattom for an amount of Rs. 1,80,000. He is able to make a monthly income of Rs 15,000 and is able to cater to the financial needs of his family. He plans to introduce new variety of items in his bakery to boost up his business.

Vineetha Vinod’s DTP Centre Updated On 2017-11-15

Vineetha Vinod belonging to Kochi Corporation area had attended a DTP course some time back. She was interested in this subject and had a fair knowledge in it. She had to a make a means of livelihood on her own and thought of starting an enterprise which is related to her knowledge and interest. Hence she approached the Corporation City Mission Management Unit and her project was approved by the task force, the microenterprise project sanctioning team of the Urban local body. She availed a loan of Rs. 180000 from Union Bank and started an enterprise in 2017. She bought a Photostat machine and she is able to make a monthly income of Rs. 12000. As of now she does not express any plans of scaling up and only wishes she is able to maintain the income she is generating currently.

Luciya’s Sweet Shop Updated On 2017-11-14

Luciya belonging to Chakkaraparambu, Kochi Corporation started a sweet making shop as a means of her livelihood. The enterprise was established on 25/7/2017 with the help of the loan she availed under the Self Employment Programme(SEP) loan scheme under NULM. Loan for an amount of Rs. 190000 was sanctioned by Union Bank Of India-Chakkaraparambu.Her family members are also supporting her in her venture by marketing and distributing her sweets to nearby shops. She is earning a monthly income of Rs. 7000 after all expences including the EMI that she has to repay the bank. She wishes to scale up her business appointing more staff and making more variety of sweets.

Sadique Ali’s Bag Making Unit Updated On 2017-11-13

Sadique Ali from Chakkaraparambu, Kochi Corporation had experience in bag making and thought of making a regular income by starting a bag making unit to support his family. He could not make his wish come true for long as he had no means of setting up a unit. Later as he know about the loan scheme under Kudumbashree he applied for loan and Union bank of India, Ponnurunni sanctioned him a loan of Rs. 180000.It was in the year 2009 that he started his enterprise and with his expertise and marketing skills he is able to make a monthly income of Rs.20000. Now as he is getting a stable income, he is planning to scale up his business by taking more orders and trying to make more innovative bag products.

Vennila’s Fashion Icon- Tailoring and garments Updated On 2017-11-12

Vennila 32 Year old women entrepreneur from an urban poor family in Kozhikode Corporation started a self employment opportunity through self employment programme under Kudumbashree NULM scheme. She came to know about this programme from her NHG meeting. She is skilled in tailoring, embroidery works and cloth painting. So she decided to start a tailoring cum garment shop near to her home. She had attended orientation programme, task force meeting and EDP training before setting up the unit. From the first orientation itself she understood the procedure for starting a micro enterprises unit and realized that it is not an easy task. Later she identified a room for rent near to her home to start a shop. And acquired license in her name from corporation to start a tailoring and garment shop. She had attended six days EDP training also. She approached Karnataka Bank Palayam Branch for a term loan to start the venture. Bank, after verification sanctioned a loan of Rs. 1,90,000/- in 2016 November. Total project cost exceeded 2,00,000.

Before starting this unit she was working from her home. So she was experienced to handle different fashions in stitching. She started her unit on November 2016. At present she is earning an amount of Rs. 3000/- a minimum per month after meeting all expenses including bank loan repayment and rent for room. At its beginning stage she had faced obstacle of various kinds like lack of customers, difficulty in managing home and enterprise. Support from her family, self motivation and confidence were the catalysts to make it a success. Now she has a good number of customers. She is happy that she can also make contribution to meet household expenditures.

Nafeesa’s Pardha Unit in Chakkaraparambu Updated On 2017-11-11

Nafeesa was a skilled tailor and had specialized her skills in designing and stitching pardha. She was running her business in her home. She had to face many financial constraints as her home business was not earning her adequate income. Ot was at this juncture that she came to know about the SEP-Individual scheme of NULM. On visiting the ULB she got more details of the scheme, attended EDP training and the Union Bank Of India, Ponnurunni approved Loan Amount- for an amount of Rs,150000.

Nafeesa is an expert in stitching the pardha. Her house is located in an area with many Muslim residents. Hence she is getting good orders and able to make a monthly income of Rs. 20000.

Molly George’s Provisional Store Updated On 2017-11-10

Molly George started an enterprise, a provision store on 21/1/2017 with the strong belief and hope that she would be able to earn a living with it after all her struggles to meet the wants of her family. She heard about the SEP programme from NULM community organisers and approached the Kochi ULB with her project plan of starting a stationary shop with basic eateries as well. She got a loan for an amount of Rs. 19000 from Union Bank Of India-Ernakulam. With the money she took a room on rent and bought all necessary equipments. Slowly but steadily her business boosted.She is able to make a monthly income of Rs.25000.

Manu Gabriel’s Workshop Updated On 2017-11-09

Manu Gabriel was jobless and was trying to find means by which he could support his family. With no collateral to place for a bank loan he was not able to avail one even though many a times he had thought of starting an enterprise. It was from his family’s neighborhood group that he came to know about the SEP component of NULM. He understood that loans could be approved even without collateral if recommended by the ULB. He approached the Kochi Municipality with his project of starting a workshop to cater to two wheeler vehicles. Task force approved his project and loan for an amount of Rs.180000 was sanctioned by

Bank-Union Bank Of India, Chakkaraparamb. Since Manu is an expert in his trade, he is able to make good income of a monthly income of Rs. 70000. In future he wishes to start a tools shop along with running his workshop.

Vanitha Stitching Centre Updated On 2017-11-08

Vanitha Stitching Centre, Chakkaraparambu a group enterprise under DAY-NULM was initiated by six women who were finding it difficult to meet the needs of their family with literally no income. They came to know about the Self Employment Programme under DAY-NULM and approached Kochi Corporation. They were guided by the City Mission Management Unit and sent for EDP training. Task force approved their project and loan for an amount of Rs.400000 was sanctioned by Union Bank Chakkaraparamb.Their tailoring unit started in May 2016. The business involves taking orders from Small Outlets and stitching as per their requirement. Since the group has 6 experiencedtailors they are known for their proficiency. Marketing is done by outlets.

They are able to generate a monthly income of Rs.20000/-. They wish to scale up their business by purchasing more equipments and engaging more staff provided they get financial assistance for the purpose. They also plan to do direct marketing.