use of micro credit at Dhangoan Talpara
at Thakurgoan is not fertile owing to its
sandy character. The Pakistan regime had
initiated a project and installed a good
number of deep tube-wells in this area for
the farmers to obtain substantial production
from their harvests. Compared to that time,
the real picture at present has changed
a lot. With the increase of population,
the demand for maximum utilisation of the
land has increased manifold over the years.
Besides many villages around the area did
not fall under the deep tube-wells and despite
putting up every effort, poor villagers
of these areas could not produce expected
crops owing to lack of water.
Dhangoan Talpara at thakurgoan
is one such area where acute shortage of
water has had tremendous impact on the crops.
In addition, poverty and other constrains
did not permit the villagers to purchase
necessary devices to improve the fertility
of the soil. That is why they could never
reap the maximum benefit out of their land
until the RDRS (Rangpur Dinajpur Rural Service)
credit programme for agriculture came to
them. After carefully examining the nitty-gritty
of the prohramme, Kiron, Poban,Akash Bala,
and Kosholya first showed their interest
to bye a shallow machine to give their farm
production a big boost. The price of each
shallow machine was Taka 4000 and the monthly
installment was Taka 635 for 2 years. Four
of them have repaid their loan with the
interest to the RDRS on time.
Poban, Akash Bala and Kosholaya, few others
from the village also took the opportunity
to obtain credit service of the RDRS to
yield good harvest through using shallow
machine. Now four such machines (lent by
the RDRS) are in operation in the village.
During the dry season, their own villagers
do not only hire these machines but also
by the inhabitants outside their area. The
rate of the machine is Taka 500 per bigha
for a season. This water-pumping machine
has proved to be a very good investment
Apart from shallow machine
project, the RDRS has provided to the villagers
micro credit facilities like cattle farming,
vegetable cultivation, fisheries, adult
and non-formal education and many kinds
of training facilities related to credit
Every member of Dhangoan
RDRS Women Group have used these credit
facilities and changed his/her lives from
respective project. Explaining the status
of this group, an official of RDRS said,
"Dhangoan Women Group, which has 16
members, came into being in 1993. As we
all know, in such credit programme, each
has to deposit five taka each week. Their
total deposit from savings is now Taka 17,500.
Credit disbursed by our organisation is
Taka 386,000, and out of the total credit
amount, they have already repaid Taka 3,60,000
with any fault.
At a first
glance, this amount of money may seem to
be meagre to be have a positive impact on
their livelihood. But this credit facility
has brought tremendous amount confidence
to survive in the world with due respect
Gita Rani, a middle aged
women took Taka 10,000 from RDRS and invested
the money in vegetable cultivation. Due
to lack of money, before the credit facilities,
the land belonging to her was not utilised
for a number of month in a year. Fishery
is another area where she is trying to excel.
In addition, a training programme on vegetable
cultivation has broadened her horizon about
many aspects, which were unknown to her.
"I used to act as maid servant at Thakurgoan
which is 12 kilometers away from my village.
It was a strenuous job and my children barely
got enough food from my earnings. I could
not think about the education of my children.
My husband and I, he is a daily labourer,
never dreamt of our children obtaining school
education. Now we can assert that our children
will not embrace the same fate we faced
in the earlier years."
Banesa Begum, another member
of the group, was interested in growing
cattle. She bought a cow with the money
she borrowed from RDRS. Like Banesa, many
other women expressed their gratitude for
the Poshu Pusti (Nutritious Food for Cattle)
supplied by the RDRS. This cattle feed has
helped enhance the production of milk. She
paid the money back from the sale of milk
and now owns the cow and a calf. The cow
has again got pregnant. Banesa expects the
members of her cattle family will be three
next if everything goes in her favour.
present, the price of milk is on the decrease.
There is no modern preservation system in
the area, so we don’t get reasonable
return from our milk.
Now we’re thinking
of sending our product to a milk-processing
centre. We’ve talked to the authority
of RDRS and they have assured us to do something
in this regard," said Banesa Begum.
With the use of micro credit
and the gradual infrastructural development
in the area, the lifestyle of the rural
areas like Dhangoan Talpara is changing
towards the better tomorrow. During a visit
to these areas, it is revealed that the
villagers seemed to be determined to work
hard on more and more economic well being.
With the assistance and proper guidance
from the Non Government Organisations like
RDRS, the in habitants of the area will
stand on their own feet.