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Women's Bank
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Women's Bank
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Kutch Mahila Vikas Sanghathan is a "Women's Bank" NGO based in Kutch district in western India. This award-winning, locally-run microfinance project has not only helped village women achieve financial aptitude, but it has also boosted their confidence, helping them overcome social problems.
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Produced and directed by Ankur Vora.

Originally featured in the ViewChange Online Film Contest.

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Segment 1

TITLE
Women's Bank
MS. VEENA JOSHI [Project Coordinator, KMVS, Bhuj]
It was started in Mundra Taluka (Gujarat) in August 1994 while in Nakhatrana Taluka in May 1995. In Bangladesh, it was successful to reduce poverty, like that it also started in our country. “Kutch Mahila Vikas Sanghthan” (Kutch Women's Development Organization, KMVS) was already working in these villages.
MRS. JAVJIBA JADEJA [Vice President, Ujas proj.]
We learned a lot in this program since 1994. Our objective was to give relief from sahukars (moneylenders) debt and to give low interest loans.
MS. VEENA JOSHI
If there are 20 individuals in a group, their savings capacity must be less, so a microcredit program would be useless. We thought, why don't we go into the concept of a Women's Bank.
MRS. JAVJIBA JADEJA
We didn't know what a "bank" was.
MS. VEENA JOSHI
After one year, we all got together for a meeting. It would not work in small savings like 5 to 20 rupees with few villages. So we decided to include more villages, 10 to 20, and 20 to 30... and we created a chain of villages. We fixed 30 rupees for the poor, with a minimum of 30 rupees and a maximum as they wish. So we will have more savings.
WOMAN 1
I have saved since it started.
WOMAN 2
Without savings, the bank would not work.
WOMAN 3
More savings is only good for us.
MRS. JASMIN GOGARI [Loan beneficiary and cloth merchant]
Yes, I saved first and I got the loan. Now I am a loan borrower of more than 37000 rupees.
MRS. JAVJIBA JADEJA
If individuals and leaders take responsibility, then we would only approve loans. We are working for those who are not in reach of banks.
MS. MALSHREE GADHAVI [Field coordinator]
They faced the dislike of men while they disclosed issues like alcoholism and domestic violence, and they tried to stop this union.
MRS. JAVJIBA JADEJA
We never worked in pressure.
MRS. JASMIN GOGARI
I took a loan only when I needed it, and I earned and paid them back. We all are ahead because of this bank.
SIGN
This is to certify that "Ujas Mahila Sangathan, Gujarat" had participated in the Microfinance Process Excellence Awards, 2006
TITLE
Concept & Created by Ankur Vora