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Story 4 - Micro credit has changed the life of Maniq Chandra

Manik Chandra poor, village of Aditmari upazilla of Lalmonirhat District. his family consists of his parents, younger sister, wife, a son and a daughter. He used to pass his days through farming and herd day labour. But the problem raised when he settled the marriage of his younger sister. He had to self two bighas of land out of four, which he got by inheritance, Later he had to pledge another bigha to provide the expenditure of the marriage. Losing the main source of income, the cultivable land, Manik Chandra became hopeless. All the time the thought "How will he maintain the large family? How will he make his pledged land free/ where will he get the money?"

At that time he came to know about the "Revolving loan" of BRDB. He was formerly a member of "Kishamatt Chandrapoor KSS. A small amount of credit of Aditmari UCCA was due to society. Manik Chandra then took the initiative and made understand the other members of the society and was able to repay the previous loan and become eligible for the next one. In 2005. Manik Chandra along with the other members of his society took a loan of 7000/- (Seven thousand) for the first time. With the loan money he at first made free his pledged land. Then following the counsel of his Upazila Rural Development Officer (URDO) he cultivated paddy in one bigha of land and in another bigha he produced various seasonal vegetables. One day, while visiting the society URDO visited the vegetable plot of Manik Chandra and was satisfied and advised him to preserve seeds of some vegetables rather selling. Since then he divided his vegetable plot in small parts and cultivated several vegetables in each plot. He used to preserve the mature vegetables for seed production and sell the surplus in every Hat day and earn 200/- to 300/- each day.


Instead of spending his little earning, he used to save them and repay the loan in monthly installment . His wife helped him most in this respect. At the end of the season Manik once again seek advice of URDO about what to do with the seeds. URDO acquainted him with an officer of a private seed-processing agency. Then Manik kept contact with the officer and sold his seeds at Tk4000/-. By this time his first loan was also repaid fully.


success04.JPGIn the same year, Manik Chandra took 5000/- as loan for 2nd time. He took pledge one bigha of land accumulating the loan money and the money he got by selling seeds. Finding that producing vegetable seed is more profitable than cultivating paddy, he began to produce seeds as the demand of the agency. Then he widely cultivated bean, cucumber, ladies finger etc. in two bighas of land. Besides he produced onion, garlic, zinger, pepper, spinach etc. Besides producing seeds he sold surplus vegetables as before. In every halt as before and saving the money he repaid the loan and maintained family. One year passed in this way 2nd time Manik Chandra got a profit of Tk. 14,000/- selling seeds.

Manig Chandra took a loan of 10,000/- for the third time in 2006. In this time accumulating all the money he bought a power tiller at the advice of URDO. Now besides tilling his own land he earns some extra money tilling other's land. He produced vegetables in two bighas of land this year, too. Now financial solvency has returned in his family. His position in the society has become more firm than before. And for all these he is owe and great full to the Rural Development Officer and Bangladesh Rural Development Board. 



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