Case Study :- SUR

 Case Study on SUR

This case describes the story of a client from Saija’s Dholi branch.
It explains how the client benefited
from Saija’s basic microfinance loans as  well as its new energy loan products and how these
benefits transformed
her life.

In a village located in the Dholi
region of Bihar,Rojida Khatun lives with her husband and two children. Her husband is a day
laborer who supported his family while Rojida
supplemented his income by selling bangles. Along with raising her two children and doing daily
household chores,Rojida worked every day –through scorching heat or pouring monsoon rains –with the goal of selling a few bangles every day.She dreamed
of having her own bangle  shop and began
to save what was needed to pull together the initial investment required to open her shop.
Days and months passed and her
daily life remained the same, until one day in 2015 when a customer told her about Saija.She learned that Saija offered loans to poor
households in her village.She took the news as blessing and it dawned on her that her dream of opening a bangle
shop could become a  reality. 

Rojida enrolled herself as a Saija
client in a nearby group, and her big day  finally came: the day of loan disbursement in
the Saija office of Dholi. Her  husband saw
a broad smile on her face that morning as she offered him a  cup of tea, and asked with surprise, Aaj
aap bohut khush lag rahe ho, aisa  kya baathain?
She held his hand and promptly replied, Haanji, aaj upar  waale ne humara khuwaish sunn lee.Is liey aj mai
khush huu bohut.She then told her husband
that Saija would offer her a loan of Rs.15,000 that day.



That afternoon she walked to the Dholi
office of Saija with her group 
members and they each received loans one
by one. They all left smiling. 
Rojida opened her dream shop right in
front of her house within the next few days.She even added a few more products to sell, including earrings and  bindis. The store did well and was open all day
until dusk, helping Rojida  improve her livelihood.
A year passed, and Rojida’s loan
repayment was ending. She decided to  take
a second loan of Rs. 30,000 and expand her business. This time she  added garments to her inventory.
Over time, she began to realize that
business slowed down for 1 to 2 hours every
day during the daily power cuts. In early February 2015, a Saija field  officer came offering a new product: a solar
lamp. After learning more about  the
product,Rojida decided to buy it to run her shop during power cuts.
Today because of the bright light of
her solar lamp Rojida can run her shop even
during power cuts. She also brings the lamp home with her and uses it to light her home while she cook food after dark
and while her children study  in the
evenings. With Saija’s microfinance loan and solar energy loan, Rojida  and her family’s lives have improved day by day.


This case is based on
the life of a client from Saija’s Muzaffarpur branch. It explains how a client used
two loan products from Saija and saw  numerous benefits

Our client Meera Devi hails from Bejha,
a small village in Muzaffarpur.Currently, she is repaying her second loan
cycle of SMR. Meera’s family consists of
her husband and three children. Their source of income initially  came from her husband alone, who worked as a carpenter.
It was difficult for  the family to get by
financially and Meera always thought of doing something  on her own. She tried to save a little money from
her husband’s income to  start a small shop
on her own.

It was in 2015 when she heard of
Saija.Thanks to a field executive named  Jitendra,
she joined a group named Juhi and took a loan of Rs.15,000 from Saija.With that
money, she opened her dream business.Over time she started making a profit and life
became easier for her family.

Meera faced difficulties in
running her business because the place where she lived (Bejha) lacked electrification,so
that when the sun set,she was forced  to
rely on kerosene lamps to light her shop.

During a weekly group meeting, she
learned that Saija Urja Rin (SUR) offered solar products.Meera was able to purchase
a solar lamp for just  Rs.22 and pay the
remainder in instalments.With reliable lighting Meera kept her shop open until 9
pm, and watched sales and profits grow even more.She then could realize her biggest
dream of all: sending her three

When Meera’s first loan cycle was finishing, she took out a second
loan of  Rs.30,000 to expand her income generating
activities further. She bought  buffaloes
this time, and used her solar lamp when she was feeding the  buffaloes every morning before 6 am.

Seeing so many uses for solar lamps, she applied for a SUR loan
so that she  could get two more solar lamps.
Now she uses one for her shop and the  second
lamp when she is feeding the buffalos in the morning and evening.  Her children use one lamp for their studies
and now they can be independent  and
study longer in the evenings. Using solar saved Meera a monthly  kerosene cost of Rs. 400 per month, and at the
same time her family’s  quality of life improved;
her children no longer had to breather the toxic  fumes emitted from kerosene lamps and she did
not have to worry about the  lamp falling
over and burning down the house.



This case study takes a glimpse into a small village known
as Jakua in  Chhapra, Bihar. The main industry
in the village is agriculture, with various  crops cultivated through the seasons. In this village
lives a Saija client name seema devi. 

A typical day in the Jakua village starts at 5 in the morning during the  summer. Men go out to the fields for work while
the women begin their daily  chores. Seema
Devi’s husband works in the paddy fields of their landlord.  The family’s house has a storage area attached
to the house to keep crops  to be processed.
Seema and her husband have three children and her  husband was the primary breadwinner, but times
were tough as crops in the village were frequently
stolen. Seema tried to earn extra income by making pickles to sell, but dreamed of earning more money.
Her dream was to own  cattle which would provide
her family with milk and allow her to make milk  products to sell.

She did not expect this dream to be realized in Jakua, until
the spring of year  2016 when a friend told
Seema about Saija. She realized that with a loan  from Saija she would be able to buy cattle. Seema
formed a group with her  neighbors and took
loan from Saija. The day Seema saw her future brighten  was a memorable one, and Seema worked fast through
her morning chores  to get to the Chhapra
branch by midday to receive the loan. Seema remembers the clock ticking 11 am … she and fourteen
other women walked  inside the Chhapra branch
to receive their loans and they all emerged with  big smiles on their faces.

Two days later Seema bought her first cow. She milks it every
day, and now sells milk to nearby homes. One day, Seema’s loan officer Pankaj announced another
product Saija offered  with financing – a
solar lamp – he explained the benefits of solar to the women group members. Many members of the group were
eager to buy one in order to  have light after
dark, since the village experienced frequent, prolonged power  cuts.

Seema used an energy loan from Saija to purchase a solar lamp
and immediately saw benefits from it: her
children could study after dark, they had  reliable lighting even during storms and power
cuts during the windy monsoon  season. Perhaps
the greatest benefit for Seema and her neighbors was that  having solar lights on at night kept the village
safe from robbers.