Micro Credit Details Year 1999 2000 2001 2002 2003 2004 Education Loans 7 15 127 130 129 128 Amt of Education Loans Rs 3000 Rs 41300 Rs 212000 Rs 217175 Rs 219975 Rs 209450 Amt not Recovered Rs 500 Rs 1300 Rs23600 Rs 12596 Rs 34400 Rs 4450 Employment Loans 2 18 21 18 12 22 Amt of Employment/Business Loans Rs 2000 Rs 40500 Rs 91500 Rs 68500 Rs 46800 Rs 92300 Amt not Recovered Rs 0 Rs 5000 Rs11600 Rs 2500 Rs 5000 Rs 1000 Charity Donations Donations from Child Vikaas International Rs 1300 Rs 1000 5900 US Dollars 3500 US Dollars 6010 US Dollars 4650 US Dollars Client Type of Loan Bhagirathi Business Chandrasekaran Business James Education K. Ravi Business Kala Education Kalaivani Education Kasthuri Education Krishnakumar Education M. Sriniwasan Education Raj Business Rajalakshmi Education Ramesh Business Revathi Education Rukmani Business Sathyamurthy Education Selvi Education Shyamala Education V. Jayanthi Education Profiles of Beneficiaries Case Details She is an elderly lady engaged in making and selling papads. She has married off her daughter but lives on her own. We have given her Rs 1000 to buy replace utensils that she gave away to her daughter for the marriage. She now has utensils and can continue with her small business. He took a loan from us to repair the handle of his iron box and repaid it regularly. Now he wanted to buy a wet grinder for his wife so that she can earn some money in her free time. She can grind idly and dosa batter for her neighbors for a fee. Our loan has given him motivation to improve his life. His wife is eager to help in running the family. A car driver lost heavily in a fire accident in his house. We have given him a loan of Rs 2000 for the education of his daughter. He is a roadside tailor. He operates out a garage and had to end his business for the day when the garage closed in the evening. We have helped him to buy a second machine, which he can keep in his house and continue to stitch at night. His wife can also stitch at home. He now has more work.. A cheerful young woman widowed at a young age with two children. She works in an garment exporting company. She took a loan of Rs 1000 from the Trust last year towards the education of her children and has repaid it. This year the Trust has lent her Rs 2000.. Kalaivani in 5th standard is a bright girl. Her father is a weaver. He had incurred some losses and decided to discontinue Kalaivani's education because he had to pay for the education of his two young sons. Kalaivani's grandmother brought her to us and we gave her a loan of Rs1000 for her school fees. She repaid the loan in small installments. This year we have given Rs 2000 loan for the education of all three children. Kasthuri with two daughters and a son was abandoned by her husband. The husband left for another woman about 15 years back. She works in a Mylapore school in the midday meal program. Her children are very responsible and know their mother's problems. She has been taking loan from the Trust to pay for school fees. This year her son finished school with good grades. He has joined ITI and is studying electronics. The fees are He is cook. His son, only child is very bright. He has taken a loan from us for putting his child in a better school. Sriniwasan is a chess player. He got lots of prizes in school. He is doing a polytechnic course. He got admitted because of his prowess in xhess. His mother works. Last Diwali they had a fire accident when a fire cracker burned their thatched roof. The family was sahttered by this traumatic experience. To pay the fees they took a loan at a high interest rate. Now we gave her a loan of Rs 5000 so that they could pay off the high interest loan. Raj is a young boy who tried to set up a small vegetable shop but the bigger shopkeepers in the area drove him away. We helped him get a cart and now he sells greens in his cart and returns the loan in installments every week. Is a widow. She is a cook and felt that she could not provide education to her daughter Iswarya. We have given her a loan to put the child back in school. He runs a small canteen. He is a good cook and can definitely come up with help. The Trust has loaned him Rs 2000 towards purchase of a grinder. Revathi is an abandoned woman and wants to make it on her own. She works in a small school and has twin sons who are good at studies. Both sons have joined college this year. Her future is with her boys and wants to give them good education. She has taken a Rs 5000 loan. She works in the evening to repay the loan. Rukmani Is an elder lady and sells idlies on the roadside. The corporation objected on grounds of hygiene. We gave her a loan to cover the cost of a cart. She is now better off selling more food items and without intervention from the corporation. Lost both parents and discontinued his education. We have given him a loan and got him admiited in the 10th standard once again. His sister will be repaying the loan. She has two children. Her husband deserted her. We have given her a loan for the education of her children. Her mother ia hard working widow. She cooks in two houses and works as a supervisor in a noon meal center. She has two daughters, both very bright. She got some assistance from relatives to educate her first daughter. We have given her a loan of Rs 2000 to pay the fees for her second daughter who is in the 11th standard. She is in the 7th standard. Both parents are cooks. They have taken a loan from us to pay for Jayanthi's school fees.