Emerging Business Women

Don Bosco Development Society
[1]
Foreword
Don Bosco Development Society has been engaged in the empowerment and development of
communities living in slum areas since the past few years. Like many other organizations
working in this sector, we too have adopted the Self Help Group (SHG) methodology, focusing
primarily on the formation and training of Women SHGs. Going beyond monthly savings and
giving of home consumption loans, we have consistently stressed the need for smart investment
of their savings, especially for setting up micro enterprises. It is indeed encouraging that several
women have in fact taken the bold step of launching their own business ventures, either as
individuals, or collectively in small groups.
Recently, as we reviewed our engagement with these communities over the past five years and
the impact it has had, we also decided to collect the stories of women who have grown to
become micro entrepreneurs. Their journey has been challenging, but their achievements are
fascinating. Each of them has become a wealth creator, a contributor not just to their own
family income, but also to the nations economy. Yes, these may be small contributions, but
given the situations from which they have risen, they are indeed commendable contributions.
Our congratulations to Mahesh Kumar, who has painstakingly documented the stories of these
women and made them available through this publication. Our thanks also to Odelia DCosta,
Shraddha Bhonsle, Ruchelle Fernandes and Diana Fernandes students of Don Bosco Institute
of Management and Research who assisted Mahesh Kumar in this initiative.
Our wish is that these stories may keep motivating us empower many more women to become
entrepreneurs, changemakers and social transformers.
Savio Silveira
[2]
Table of Contents
Foreword .1
Chapter-1 2
Introduction .2
Women in the Unorganized Sector ..2
Chapter-2 .5
Women Micro Entrepreneurs and Home Workers .5
[3]
Chapter-1
Introduction
Women in the Unorganized Sector
The unorganized social security act 2008 defines unorganized sector as enterprise owned by
individuals or self employed workers engaged in the production or sale of goods or providing
service of any kind whatsoever, and where the enterprise employs workers, the number of such
workers in less than ten. Similarly the unorganized worker means a home based worker, self
employed worker or a wage worker in the unorganized sector and also includes a worker
working in organized sector but is not covered by any social security act. 92 per cent of the
country's workforce is employed in the informal or unorganised economy (i.e. those who work
in the unorganised sector plus the informal workers in the organised sector). 77 percent of
Indian population who earn an income roughly below $2 in PPP terms is poor and vulnerable.
There are 8.2 million homeworkers of whom about 4.8 million are female. The home workers
constitute about 7.4 per cent of the unorganised non-agricultural workers. A large number of
women are working in the informal sector. There are a number of problem faced by women
working in informal sector. At home and outside they have less freedom and experience
exploitation at the work place. Women face sexual harassment, eve teasing and outlook towards
them is not good. The working conditions are deplorable and inadequate. Human trafficking is a
serious problem with migrant workers.
Gender inequality that exists in our society is the biggest challenge in the way of women
empowerment. This inequality exists in all classes of society. The power and privileges enjoyed
by men and women are not same and there is a huge gap which puts the women at disadvantage
position. Gender refers to the social, behavioral, and cultural attributes, expectations, and norms
associated with being a woman or a man. Gender equality refers to how these aspects determine
how women and men relate to each other and to the resulting differences in power between
them (WDR 2012). Gender equality is a means for empowerment and overall development of
women in all societies. This issue is among the top development issues world wide and focuses
on not only the cultural and structural aspect of society but also the policy and programme
environment in the countries. The importance of gender equality is enshrined in UNDPS
Millennium Development Goals. The goal number 3 to promote gender equality and
empowering women specifically focuses on this development aspect. Women are assuming
more power in the worlds parliaments, boosted by quota systems but in India according to the
Election Commission, for the 543 Lok Sabha constituencies, the number of elected women
increased from 49 in 1999 to 59 in 2009, with 11% representation in the Lok Sabha and 10.6%
in the Rajya Sabha. According to the International Labour Organization (ILO), out of 131
countries, India ranks 11th from the bottom in female labour force participation (FLFP). In fact,
the National Sample Survey Organization (NSSO) data reveals falling FLFP from over 40% in
the mid- 1990s, to 29% in 2004-05, to 23% in 2009-10 and 22.5% by 2011-12. The proportion
of women in private sector companies is 24.5% of the total workforce compared to just 17.9%
of the public sector. In central government jobs, women
[4]
accounted for 7.6% in 1991, which, almost two decades later, had touched just 10%. Women
constitute just over a fifth of the organised sector workforce. They are mostly found in the
unorganized sector, marked by poor wages, poor quality of work and absence of social
protection of any kind. Even in the comparatively modern and cosmopolitan city of Mumbai,
the gender gap in male and female work participation rates is striking. For every male in the
workforce, there is less than a female. Following table shows the percentage growth of male and
female workers in Mumbai during 1981 to 2001.
Year
Main Worker (%)
1981
1991
2001
Male
54.86
54.32
54.28
Female
8.56
10.49
11.73
Marginal
(%)
Male
0.59
0.76
2.59
Worker Non-Worker (%)

Female
0.41
0.52
1.32
Male
44.55
44.92
43.13
Female
91.03
88.98
86.94
Source: Census of India, 1961-2001
The above table shows that the female participation in workforce has increased but this is
probably because of the increase in employment being generated in tertiary sector, many of
whose activities are known to be more female friendly( Mumbai HDR 2009).
Right to livelihood is enshrined in the article 21and article 39 of Constitution of India. Article
21 of constitution of India, read protection of Life and Personal Liberty No person shall be
deprived of his life or personal liberty except according to procedure established by law.
Article 39 of the constitution of India states that the State shall, in particular, direct its policy
towards securing:
(a) that the citizens, men and women equally, have the right to an adequate means to
livelihood
(b) that the ownership and control of the material resources of the community are so
distributed as best to subserve the common good
(c) that the operation of the economic system does not result in the concentration of
wealth and means of production to the common detriment
(d) that there is equal pay for equal work for both men and women
(e) that the health and strength of workers, men and women, and the tender age of
children are not abused and that citizens are not forced by economic necessity to enter
avocations unsuited to their age or strength
(f) that children are given opportunities and facilities to develop in a healthy manner and
in conditions of freedom and dignity and that childhood and youth are protected
against exploitation and against moral and material abandonment.
[5]
These two articles of the Constitution make it clear that every citizen has right to livelihood
which cant be taken away by state or anyone else.
Economic reforms have reinforced the trend of informalization of female workforce. Congenial
state support has been provided to the corporate houses that are closing down their large units
and using ancillaries, who employ unmarried girls on piece rate basis. Home based work by
women and girls is easily legitimized in the context of increasing insecurity in community life
(Mumbai HDR 2009). The urban slums are the manifestation of wide inequality that exists in
our society. Slums are the unorganized habitation of people often lacking in basic amenities of
water, electricity, sanitation and housing. People in these geographic entities belong to the
lower socio-economic strata of the society. The basic lack of facilities and poor access to these
basic services reduces their capacity to act and it goes against the basic freedom as a citizen.
Many of the women in slums work as domestic help, prepare and sell food items, do piece rate
jobs as (papad making, stitching) or are otherwise employed in the unorganized sector. The
key feature of their job is that it is highly insecure and income is low, untimely and irregular.
The income of these women is low with which they have to look after a family of 5 to 10
members. They live by compromising on many of their basic needs and their existence is a day
to day struggle to make a dignified living. With this low income and no financial literacy they
either do not save or save in an unproductive way. Often they spend as soon as they earn it.
Without savings, many women are forced to take out loans at high interest rates in times of need
and fell into the vicious cycle of indebtedness from the local moneylender. In addition to this
women also suffer from following factors:
Illiterate or low educated
No financial literacy
Assetlessness
Lack of vocational/ income generation skills
Lack of freedom to participate in society
Lack of political participation
High incidents of crimes against women
Don Bosco Development Society, has been working in selected slums of Mumbai for last 8
years. We have been implementing the skill building and SHG promotional activities among the
women in these slum communities. The SHGs formed are instruments in creating awareness
and taking collective action to facilitate the empowerment process. The children from the
communities are trained in job skills like tally, English speaking, retail marketing, beauty
culture, mobile repairing, snacks, phenyl preparation, perfume, embroidery, incense stick,
candle making etc.
In our strategy we have been involved in the capacity building of women , collaborating with
other organizations, outreach to new areas and assisting people in accessing their entitlements
following rights based approach to development. We have been trying to organize women to
work for themselves in improving their own, family and community lives. We are trying to
empower these women to be agents of change themselves.
We follow the SHG-Bank linkage model where the SHG is linked to bank to facilitate the
access to banking and financial services. The model is shown in following diagram:
[6]
SHGs are the main instruments of implementing the development strategy of DBDS. SHGs not
only perform financial functions such as savings and credit but also for the social functions of
addressing the development issues. The formation and maturation of SHGs happens in a phased
manner. The pace has been process driven with lot of work at grassroot. The process include
following activities:
a) Rapport building: The team visits the slum communities and discusses the idea with key
persons and ensure that women are ready to share their issues, strengths, weaknesses,
problems etc. This take lot of time as people are skeptical about the programme.
b) Formation of groups: Once the community is convinced about the objective of the SHGs
then the staff facilitate them to select members. The team cautiously selects women who
are interested in the formation of SHGs.
c) Organize SHG meeting : On formation of SHGs the team hold village meeting to
explained the process and the support that would be provided by the organization.
d) Facilitate of SHG functioning: The group charts out its norms and rules of functioning.
Common agreement on date, time & place of meeting, to fulfill the groups economic
objectives saving amount, penalties, interest rate for internal lending, repayment
schedule etc are decided. The team conducted training programme for meeting groups
and project objective.
e) Shaping SHGs: Shaping of SHGs take 3 to 6 months, during this period the team helps
them in internalizing benefits of SHG. It takes 12 to 18 months to stabilize the group
and to facilitate leadership
In Mumbai, DBDS has formed more than 50 SHGs in various slum pockets. All these SHGs
have been linked to banks thereby making financial inclusion possible for the SHG members.
These SHGs are in various stages of maturity but still struggling to build their internal capacity
to manage and sustain themselves. Some of these SHGs have availed loans from the banks and
invested the loan amount in income generation activities. Chapter 2 contains brief introduction
of women members who are home workers or are running micro businesses.
[7]
Chapter-2
Women Micro Entrepreneurs and Home Workers
Name: Agnes Thomas DSouza
Contact no: 9222914584
Agnes is a resident of 90 Feet Road, Jari Mari,
Kurla. She is a member of the SHG named Batwa.
Her family consists of four members. Her husband
is a taxi driver and her sons aged 20 and 17 are
studying. Since she has plenty of spare time when
her husband and sons are not at home so she
decided to take up baby-sitting in 2009. Since then
she is into this business activity. She currently
looks after 8 children and her charges differ
depending on their ages.
Agnes took up this occupation as an additional source of income and also due to family
problems. She earns about Rs.5000 per month. When asked about her future plans as to
whether she would like to expand her business, Agnes replied that as of now she would like to
take care of small children only and when her sons start working, she will take in more children.
She is an active member of SHG and feels that it encourages women to take up work of their
interests and earn an additional income for the family. She is happy that both parents and
children trust her and she takes good care of children.
Name: Arti Dubey
Arti is a member of SHG named Batwa. She resides at Radharam Society, Netaji Nagar in
Kurla. Her family consist of four members comprising of her husband, daughter of 6 years and
son of 4 years. Her husband is a salesman and his income is not enough to take care of family.
She use to get bored sitting at home and wanted to use her education to do something to help
family. So, in 2001 on the encouragement by her neighbours she started tuition classes for
children. Arti is currently taking tuitions of 50 children ranging from Std. 1 to Std 8. She is
known in her neighbourhood as Arti-tuitionwali. She earns about Rs.7500 per month by taking
tuitions which is a big financial help to her family.
[8]
Arti stays in a rented house and her rent comes to

nearly Rs. 3000 per month. When asked if she took
up any training for the same, she said that she is
not trained but her neighbor encouraged her to take
up tuitions. There were no challenges faced by her
in the initial days either from family or financially.
With regards to her future plans, Arti wishes to
start tuitions of the English medium students as
she is currently involved with Hindi medium only.
Name: Asha
Asha is a member of SHG named Ramabai. She
lives in Jaibhim Nagar, Kasara Bandar. There are six
members in her family. Her family consist two sons,
one daughter, one daughter-in-law and one
granddaughter. Asha sells fish and does labour work
of transporting the baskets of fish to different fish
sellers. She has been doing this work since her
childhood as it runs in her family. She earns Rs 200500 a day depending on the season and market. She
is the only working person in the family. She saves
around Rs.1000 a month other than her saving
towards the SHG. Her monthly family expenses are
around Rs.8000.
Name: Binita Prashant Jadhav
Binita is a member of Sankalp SHG. She stays with her husband and son who is studying in Jr.
KG. Binita is into making and selling of perfumes. She started this around January 2013. When
asked as to why she started this line of business, she replied that she saw one of her friends
making perfume at home which interested her and that is how she got into this business. Each
perfume bottle sells for Rs.90 and contains 30 ml of perfume. Her customers are individuals
from her locality, her husbands workplace and her relatives.
[9]
She has a lot of self-confidence which can be seen

from the fact that some of her neighbours still object
to her business yet she is continuing with the
business. SHG helped Binita in saving and getting in
touch with other women and motivated her to
become self reliant. She was trained into making
perfume by her friends and also helped her initially
with this business. The perfumes are available in 3
fragrances. The 30 ml bottle of perfume is priced at
Rs.90-100. Her customers are few as she is not
marketing beyond people who are known to her. She
is planning to sell the perfume with a brand name
and improve the packaging and production quantity.
Name: Cristy Handichwalls
Cristy is a member of Laxmi SHG and lives in

Madona Colony, Antop Hill, Wadala. Her family
consist of four members which include her husband
and two daughters. As she had lot of spare time so
she took up putting beads work on dress and she is
doing this for past 10 to 15 years. She earns around
Rs.3000 per month. Most of the money earned by
the family is spent on the treatment of her younger
daughter who cant see from one eye and there is
almost no savings. This work is seasonal.
Membership in SHG helped her in savings. As of
now she does not have any future plan as she has to
do the house work and bring up 2 children.
Name: Devnagmani Gubble

Devnagmani is a member of Saibaba SHG. She lives in Bhimwadi, Antop Hill, Wadala. Her
family consist of her father-in-law , her mother-in-law , her husband and two sons. She works
on piece rate basis from home to put beads on the dresses. She has been running this business
for the past three years. She earns about rupees 3000 in a month. There is little saving as
[10]
whatever they earn is spent on household expenses and on medicines of old people in the house.
She took up this work to utilize her time and earn some income for the family. She gets all the
material from factory so she just stick beads on the clothes. Sometimes her mother-in-law helps
her in doing this work. This work is time consuming and seasonal. SHG helps her in saving and
in getting loan. As this business is seasonal so she wants to undergo training in tailoring so that
she has a sustainable flow of income in her family.
Name: Dhanlaxmi Dhanshekhar Tehwar
Dhanlaxmi is a member of Vijay SHG and she lives
at Vijay Nagar, behind CGS sector 7, Antop hill. She
learnt tailoring through a 6 months course and has
been into tailoring business for last 10 years. Her
family comprises of four members which include her
husband and her two children. She specializes in
blouses and petticoat and most of her customers are
from the same area. Her monthly earnings are about
Rs 2000. She saves regularly with the SHG and earns
interest on it also.
Name: Gayatri Kamal Singh
Gayatri is a member of Matrabhoomi SHG. She lives
at King Circle. Her family comprises of her two sons
and herself. She makes decorative lace peaces used
in garments. She works on piece rate basis and earns
Rs 20 per piece. She started this business as means to
fight the struggle of daily living. She has not
undergone any training in order to do this job but if
at all there is any new design that comes up in the
market then she receive training from the factory
itself.
Many people and families in the area know her because of this business. Her earnings are also
used in the running of family.
[11]
Besides this she does not have to depend on anyone not even on her husband for money. In
future she wants to settle in the rural area and start her garments business. Gayatris business
has helped her in educating her children. Beside this it has also helped her designing curtains
for herself. And if at all she has to give anyone a gift then she makes at home itself. She is
facing health problems in her business and her sons do not want her to continue doing this job.
Both her sons have been a lot of support to her especially at the time when there were certain
family problems. As of now she does not have any future plans but if her health permits she
would like to continue doing this job.
Name: Geetanjali Rajesh Shinde
Geetanjali is a member of Shreeshakti SHG. She
lives in Dharavi in a joint family which consist of
eight members. Geetanjali is working as home
worker for Lijjat Papad for last 13 years and recently
she has started tiffin service also. She entered into
this activity to help her family with some extra
income. The raw material for the Papad is supplied
by the company and she only rolls the dough to
Papad. On an average she rolls about 5-8 Kg of
dough every day and earns about rupees 4000-5000
per month.
Her tiffin business is based on orders from which she earns about rupees 2000-3000. In her
catering services she cooks up various cuisines most of the customers being local and DBDS.
Though she doesnt spend a lot on raw materials for making papads as most of the supplies are
provided by the company but in rainy season she has to spend money on fuel to dry the papads
on the stove. Even in catering most of the expenses on raw materials comes out of the advance
that is charged before the order. Currently to enhance her skills she has taken up the cooking
training provided by DBDS. Her sole purpose of doing business is to help run the family. Since
she is fond of cooking she would like to expand the tiffin business but only after some success
in it.
Name: Asha Balchandra Shinde
Asha lives in Dharavi and is a member of Ashtavinayak SHG. Her family consist of five
members which include her mother-in-law, her husband who works as a clerk in a private
company and her two sons studying in the 7th and 4th std. Asha has been selling Sarees in retail
[12]
for last 7 years wherein she travels to Surat and buys Sarees at a wholesale rate and sells it at a
retail rate in Dharavi. Surat is famous for Sarees and as her maternal home is in Surat.
She grew up observing this business as her parents
are also into this business. She entered into this
business as she wanted to help her family with
additional income. Her monthly income from this
business is about Rs.5000 which adds to the her
husband income to support the household expenses.
Her customers are usually from nearby areas, some
even from far off as she sells in wholesale. She lives
in a community which is tightly knit and they
celebrate festivals together. Her membership in SHG
has helped in saving money and in obtaining loans
from SHGs.
Her association with DBDS helped her in getting a ration card and other civic services. She
likes the idea that DBDS is helping women in learning skills in tailoring, beauty parlour,
cooking etc so that after learning these skills they can earn a living. She wants to build a new
house as her house at Kurla has crumbled. She is being trying to take a loan from banks to build
a new house. The Sarees sold by her ranges from Rs 200-3000.The basic range starting from
200 and the grand range starting from 1000 onwards. Her customers are mostly locals, friends
and relatives. Shes been handling this business alone and spends Rs 300 for every trip that she
makes to Surat. On an average she travels twice to Surat Monthly. Her family has always been
supportive towards her endeavour. SHG membership helped her in saving and in growing
business by spreading her business through word of mouth. Asha wants to grow this business
and is looking for credit from banks.
Name: Habeeb Mira Shaikh
Habeeb belongs to Aaj Ki Mahila SHG. She lives in a rented house at King Circle. Her family
comprises of her husband and her two children. She runs a shop which has multiple businesses
like selling of pan, coconut, fried fish, egg. Sometimes she also sells fish and mutton based on
the season wise demand. She has been into this business for the past 3 years. She is the only
earning member in the family. She started this business to generate income and run the house.
The customers that she gets are from Bengali Pura, Indra Nagar and Bharat Seva Mandal. Her
annual sale turnover last year was Rs 150000. She takes loan from SHG whenever she is in
need.
[13]
She took a loan of Rs 5000 twice from SHG and

also. She started this business to support her family
as her husband is a drunkard and do not work. This
business has helped her in earning name in the
society as well as some people have been inspired
by her and they want to start their own business.
Besides this it has also helped her in educating her
two children and running the house. She faced lot
of hardships in starting the business when her
brother and sister helped her financially. Since she
has to manage both the home and the shop she has
to work very hard and often gets tired but she has
not given up this life.
She is sometimes helped by her son also. SHG has been of great help to her as it helped her in
getting training , credit, preparing her mentally to adjust with people around and how to solve
problems in case of any dispute. Through SHG she gets information on new schemes that come
up or any new documents that have to be made. In the near future she wants to expand her
business and since she is staying in a rented place she would like to place of her own.
Name: Indu Chandrakant Khandare
Indu is a member of Pragati SHG and she lives in
Dharavi. Her family comprises of her husband and
three children. She is a tailor and runs the business
from home. She was trained in tailoring for 3
months at DBDS and is running this business for
last 3 years. Her brother motivated her to take up
this business since she had the art and skill of doing
this work. She started this business because of weak
economical conditions of her family. Now with this
business she is able to earn about Rs.4000 which
goes into supporting the family daily expenses.
She stitches ladies dresses, blouses and she also does fall beading. The customers that she gets
are from the area nearby. As tailoring requires sitting on machine for long hours, she has
developed health problems which prevents from working for too long. She intends to start a
new business at a different place and she want to make a big name.
[14]
Name: Jaya Arun Kharvi

Jaya is a member of Shreeshakti SHG. She lives in
Dharavi with her family consisting of her husband
and four children. She is into Papad making for
Lijjat Papad company. She has been running this
business for past 12 years. She started this business
as financial condition of the family was weak and
her husband also didnt had job and now her income
helps in running the house as well as taking care of
education of her children.
On every Kg of Papad she gets rupees 20 and if there is any defect with the papad then it is
returned back to them and that amount is deducted from their salary. The Papad that comes
back from the company is sold to local customers at Rs 120 per kilo. She has taken loan from 3
places so that she can run her house and at the same time if at all she has to invest in her
business. She earns about Rs 3000 in a month and on festivals like Diwali and Holi she also
gets incentives subject to completing 140 and 250 days respectively. During the rainy season
their expense to run the business is more than their income.
The dough required to make the Papad is provided by the company and it is dried in sun but in
rainy season she has to spent money on fuel to dry the papad on stove. Besides this she has to
incur the cost of travelling to and fro to the company to get the dough and to deliver the Papad
once it is made. Last year her income was about Rs 15000. This business has helped her
economically benefit her family. Health is the biggest challenge in this business as it requires
long hours of sitting and rolling. The money that she earns does not fulfil the needs of her
family and she depends upon the loans from SHG. SHG has helped her in building confidence
and provided her with training. In future she would like to start a new business and get her
children settled.
Name: Jayashree Baban Khatate
Contact no: 022-65434549
Jayashree is a resident of Dharavi where she lives with her family of six members including her
husband, two sons, one daughter and one daughter-in-law. She is a member of Om Sai SHG.
Her husband owns a small factory where he produce plastic toys.
[15]
Jayashrees job is to manually cut the plastic nipples

used in the inflated toys. She is doing this work for
past 12 years and gets Rs.1500-2000 per month.
Jayashree is little hesitant to share knowledge on her
husbands work and income. She buys the packets
from a factory that costs her Rs 25. Her contribution
has helped run the family business. She feels selfsufficient and does not want any training for herself
because of her age. She doesnt mind sending her
daughter-in-law though. She is happy to help her
husband in his business.
Name: Jayashree Maruti Narayankar
Jayashree is a member of Laxminarayan SHG. She lives in Dharavi with her joint family of 7
members consisting of father in law, her husband , 2 brother in laws and 2 children. Jayashree is
a tailor by profession and is into this business for last 12yrs. She took up work because initailly
she didnt like the idea of sitting idle at home now its more of a compulsion to help run the
family and meet daily needs. Her monthly income is around Rs. 3000. She ensures that come
what may there has to be some savings even if its a petty amount.
She saves around 1000 per month and has also
started a personal savings account for herself.
Jayashree has been stiching various clothes like
blouses, petti coats, fall beading etc. Her customers
are mostly her neighbours and people within the
ares. She works by herself , her monthly raw
material expenses are less than Rs 500. She feels
that her working has definetily helped her family
sustain considering inflation these days and helped
her gain recognition in the society. Some of the
challenges she faces towards her business are that
her children are small thus it limits her from going
out and working in a garment factory.
She appreciates DBDS efforts in providing affordable training for the women in the society.
She wants to own a shop and get specialized training in tailoring. For this her main worry is
about acquiring loans.
[16]
Name: Jyoti Palgiri

Jyoti is a member of Shubham SHG. She lives in Sadguru Chawl, Antop hill with her family
comprising of 5 members; her husband,2 daughters and a son. All her children are studying in
school. Her business is to make paper lamps and she has been running this business for the past
1year. She earns only Rs 8 for every 100 piece. Her monthly income works up to less than Rs
5000. She is doing this business in order to run the house and to cover up for the expenses as
there is only one person who is working in the family. Even her neighbours help her in doing
this business. Almost 10 people in the group staying in the same locality do the same type of
job. So whatever raw material is received from the factory is distributed to this group. There are
varieties of work involved in paper lamp making and the rate differs from work to work. The
quality of work she does is good and so she gets more work. The income that she earns from
this work is useful for educating her children.
Name: Kanchan Suresh Khandare
Kanchan is a member of Aaj Ki Mahila (SHG). She
lives with her family on pavement near King Circle
station. Her family comprise of 5 people her husband
and 4 children. She takes up activities based on the
season. She is into selling cutlery, Papad making and
dish washing in marriages, events etc. Her favoured
activity is dish washing which gives her more income
than other activities. She works because the familys
financial condition is weak and her husband also
does not earn enough as he does petty jobs and there are four children to support. The customers
that she gets depend on how many people know her and when they require labour. She herself
takes informal labour contract of dish washing and makes Rs.20-30 on every labour provided
apart from her daily wages. On an average she earns about Rs 6000 per month. She has been
benefited by this business in increasing contacts which has in turn helped her expand her
business and has also benefited her other businesses. This business has also helped her
financially in supporting her family and running her house. She also has an upper hand in the
house in terms of power. Initially she faced problems of restriction from her husband to run this
business but later when her husband lost his job then he agreed to her doing this job. She also
faces problem of getting women to work as this job is seasonal and wage expected is high. SHG
has helped her in getting loan to carry out business and in savings every month. SHG also help
[17]
in creating awareness on rights and entitlements. As she lives on pavement, her priority is to get
a place to live.
Name: Kastura Chandrakant Sherkhane
Kastura is a member of Siddhivinayak SHG. She
resides in Dharavi with her family consisting of her
husband, three daughters and a son. Her husband is a
plumber by profession and earns about Rs 5000 per
month. Kastura found it very difficult to run the
family with her husbands income; therefore to
support him she started her own business of packing
garments from home. It was something that she
picked up garment factory where she used to work.
She is into this business for last 10 years.
She earns about Rs 5000 per month. Kasturas packaging charges are Rs 1.50 -2 and button
work Rs 1.The clients are mostly from garment workshops and they provide all the raw
materials. She handles workload by herself. Her sole purpose behind working is to help family
in meeting expenses.
Name: Khatija Jafar
Khatija is a member of Jyoti SHG. She lives in Transit camp in Antop hill. She stays with her
two daughters. One of her daughter does tailoring work and she does bead border for dupatta.
She has been running this business for the past 10 years. She learnt this art from her neighbour.
She earns about Rs 3000 from this work. She buys the material from the shopkeepers for Rs.10
per piece and after completing her work she lends that back to him. She has undergone training
for running this business from her neighbour for around 2 years. By doing this business people
came to know about her and they have always appreciated her work. This business has helped
her in covering up for her daily household expenses and the most important thing is that her
interest lies in doing this particular work. This type of work is not done on a daily basis, it is
seasonal. SHG helps her in providing important information such as information of ration card,
affidavit etc and regular savings. She wants to expand her business by getting more orders as
there are very limited orders and she is much more interested in doing this and the important
thing is that she loves and enjoy doing this work.
[18]
Name: Kulsum Anvar Khan

Kulsum is a member of Gurukripa SHG. She
stays at Ashok Nagar, Kurla (W). She has been
into the cooking business for past 10 years and
now she running the canteen of State bank of
India at Kurla. Her family comprises of her
husband and 5 children. Her husband does not
earn enough to take care of the family so she
decided to work. Earlier she used to work only in
a clinic as a helper in cooking and cleaning but
now she also runs a canteen.
She got the canteen contract through SHG where she prepares food items for the bank
employees and others. Breakfast, meals, tea etc are prepared and prices are also reasonable for
the customers. She earns about Rs. 15000 from the canteen and after putting aside the expenses
her profit is about Rs 3942. This business has helped in running her house, educating children
and also respect in her community. She is now not dependent on anyone. The busy schedule at
canteen and than at the clinic leaves no time for children and she is concerned about it also but
there is no way out. DBDS helped her in training, getting a job, providing loan, giving guidance
and information. She is praying that her canteen business runs well which she would like to
expand so that there is enough income so that she do not have to go to clinic and spend more
time with her family.
Name: Lata Anil Madhavkar
Lata is a member of Saksham SHG Saksham. She is
into preparing fall beading for saris and dupattas. She
is into this business since 2007. She starting this
business to utilize her skills and time in a productive
manner. Latas family comprises of her husband and
her two sons. She works on piece rate basis.Her
income is not fixed as it depends on the suppliers.
They provide her with the saris/dupattas and a fixed
amount of money is provided to her to bring the
required thread etc.
[19]
She charges around Rs. 30 per piece. She acquired her skills merely by observing her neighbour
doing the same. Initially she faced a lot of opposition from her family. They didnt even provide
her with a sewing machine to carry out her work but gradually everything went well.
Name: Laxmi Sarode
Laxmi is a member of Ramai SHG. She lives in
Dockyard road with her two sons and two
daughters. Laxmi is a fish seller, she buy fish from
the wholesalers and sell it on retail. She has been in
this business for last 20-25 years. She earns about
Rs100-200 daily. She got into this line of business
as it was running in her family. People in her
locality are also involved in the same or similar line
of business. Laxmi had taken a loan of Rs10,000 for
the business from the SHG which she has repaid.
She has a license provided by the Government.
There is no major challenge that she faces in her
business except for the rainy season when there is
short supply. SHG helped her in taking loan at a low
interest rate. Also they are provided with
information on training, ration card application,
affidavits, etc.
Name: M Chellamal
Chellamal is a member of Santana Marie SHG .
She is resident of Dharavi. Her family comprises
of her husband, son and two daughters. Mrs.
Chellamal runs a tiffin service from home which
she started in 2011. She started this business to
get some additional source of income for the
family. Some of her products include Idli,
Dosas, Puris and non-vegetarian items which
she supplies to individuals for Rs. 2000 per
month.
Non-vegetarian food is provided for 2 days of the week. Her monthly income comes to around
Rs.20,000. Sometimes, if the order is too large, she enlists the help of one of her neighbours
[20]
Pakiye Selvi. She had attended a training programme in DBDS for the same. She says that
DBDS frequently calls for meetings which are very helpful.
Name: Madhuri Pawar
Madhuri is a member of Gurukripa SHG. She is a resident of Ashok Nagar, Kurla where she
lives with her parents, her brother and a sister. Madhuri is a tailor and stitches garments. She
has studied till 10+2 and took up tailoring with a view to add to household income.
She stitches salwar suits as per the designs
provided by her customers. On the other hand
she also does bead and stone works on materials
or dresses. Some times she also works on piece
rate basis for which she gets Rs.2-5 per piece.
She learnt stitching from a private class in her
locality. There were never any objections from
her family as they all encouraged her. Madhuri
plans to start her own business if provided with
the right training. She is also interested in
fashion designing and plans to open her own
shop if things go well.
Name: Malika Jerosin Nadar
Malika is a member of Unnati SHG. She lives at
King Circle with her family which comprises of
her husband and a daughter. She takes tuitions of
children from Sr.Kg to the 7th standard. She has
been running tuition for past 1 year. This has
helped her family financially. The students who
attend tuitions are from the same area fee is Rs
200 till 6th standard and Rs 300 for 7th standard.
She earns about Rs 2000. This business has
helped her create a name, gain respect, and
increase her contacts and helped her family.
[21]
DBDS has provided her with training, developed her training habits, given her an idea to start
her business. In the near future she would like to expand her business by gaining more students.
Name: Manisha Sunil Khrunekar
Manisha is a member of Shreeshakti SHG. She is a resident of LokmanyaTilak Nagar, Dharavi
where she stays her husband, her mother-in-law, her son and a daughter. Manisha takes tuitions
at her home. She has been doing this since 2003. There are more than 20 children currently
taking tuitions from her.
She started this business as her family was
undergoing financial problems and she decided to
use her knowledge to help in bringing additional
income into the household. She started off with 7
children initially which gradually started expanding
as word spread. In the initial days there was a lot of
objection from her neighbours, with regards to the
kids running around the place and creating havoc.
But soon they got used to it. She thanks SHG for
regularly holding meetings and imparting additional
knowledge and ideas. The women in her group are
always encouraged to take up something. With
regards to her future plans.
Manisha wishes to increase her business by increasing the number of batches as she is currently
taking two. For this she will require additional space and finance.
Name: Maya Arun Nikam
Maya is a member of Ramabai SHG. She lives in
Kasara Bandar with her daughter. For the last 35
years she is working as manual labour in loading
and unloading of fishes. This is a job which is
readily available and many ladies around the area
do the same work. Work for Maya begins at 5 am
and stops at 10am. On an average depending on the
work load Maya draws around Rs100 or Rs 200
sometimes even Rs300 a day.
[22]
Her monthly income ranges between Rs.5000 to 8000. Her daughter is a graduate and has
started working a data entry operator in a company and is drawing a salary of Rs.6000. Her
SHG has helped her in many ways. Shes happy to avail loans from the SHG at a lower interest.
The only trouble she faces with her job is that during the monsoons she doesnt have work for
about two and a half month. Maya is happy doing what she has been doing for years and has no
plans for herself.
Name: Meenakshi Suresh Darweshi
Meenakshi is a member of Sanskruti SHG. She lives in Dharavi and runs a fast food centre at
Dharavi. She has been in this business for the past 16 years. She started this business to help
generate income and to run her house. She was inspired by her sister-in-law who taught her how
to run the business. She sells samosa, vada, bhajiya, jalebi, bundi etc. Her customers are from
the nearby areas. All the members in the family help her in her business.
There are 2 more workers who help her to carry
out her business. However the workers are not
fixed they keep changing. For a good worker she
pays around 150- 200 per day. Her monthly
income is around Rs. 25,000. Sometimes she faces
problem of getting good labour as they demand
substantial wages. She would like to help ladies by
giving job to those who do not get any family
support in her business so that it will benefit them
as well as her.
Name: Pramila Sarang

Pramila is a member of Mauli SHG. Pramilla lives in Sewri Koliwada with her husband, one
son, her in-laws and brother-in-law. Pramila runs a food stall near Dockyard where she sells
snacks and meals for the people working in nearby dock and other offices. She is running this
stall for last two years. She did so with a little help and encouragement from her brother who
works near the docks and suggested that she could start her venture over there. She started this
business by taking a loan of Rs.5000. She faces some difficulty in finding a place but now she
has a place where she puts her table everyday.
[23]
Every day there is a new menu with a variety in

vegetarian and non vegetarian dishes. Her prises
are reasonable and varies from Rs.15 to Rs. 50.
Her customers are from Mumbai Port Trust, other
offices and workers from the docks around. She
spends about Rs 1000 on raw material everyday
and makes a profit of Rs 400. She keeps two
helpers to help her in serving the customers. She is
able to earn about Rs.10000 per month which help
in meeting the family needs. Pramila believes that
her business has helped take care of her family
expenses and her contribution has paid off
immensely.
Pramilla doesnt have a license to sell food on the road but she doesnt get scared of the BMC.
She mentioned that its easy to run street business only because theres a top hand thats
involved. She would like to be trained further in cooking classes to deliver better food to her
clients. Looking at the future Pramila sees a lot of growth in her business venture and plans to
continue doing the same.
Name: Nirmala Gorakha
Nirmala is a member of Triveni SHG. She resides
at Bhimwadi, Antop Hill with her son. She started
stitching clothes as a hobby and pass time. She
learnt stitching from a lady in her neighbourhood.
But after her husbands death she had to take up the
responsibility and has taken up tailoring as a
profession.
She is very interested in social work activities. She
stitches blouses and also does fall beading. Her customers are from her locality itself. She
charges Rs.120 per piece with lining and Rs 50-60 without lining. She operates alone and does
not enlist the help of anyone. There was no loan taken for starting the business, and she started
with whatever little she had. There were no challenges faced by her as everyone encouraged and
supported her. Her SHG helped her in undergoing entrepreneurship workshop at DBDS.
[24]
Name: Pakiye Selvi Pillai

Pakiye is member of Santana Marie SHG. She
resides at Punewala Chawl in Dharavi. She works as
cable TV fee collector in her area. She started this
job in 2011 to help her family financially. Pakiye
lives with her husband, her son and her daughter.
She earns about Rs 3000 per month. Monthly
household expense amounts to Rs.15000, due to
which there is a monthly saving of R.4000. She was
approached by the local cable operated who offered
her this job.
The job is difficult as people do not pay on time and she has to make multiple visits. She
regularly attends workshops organized by DBDS. Since cable business has no expansion plan
so she wants to take up a job where she will earn a name for herself and be an important source
of income to her family rather than a supplementary source.
Name: Parveti Javeli
Parvati belongs to Bheem Shakti SHG. She lives
near Durgah at Reay road with her family
consisting of herself, her daughter and her son.
She runs a small flower shop where she sells
flowers, garlands and other things like attar, rose
water, incense sticks, kajal, sweets etc.She gets a
lot of customers but there is stiff competition
also. She spends nearly Rs 1000 every week to
buy stocks of various items and on that she
makes Rs 800 as profit. She earns enough to look
after her family. She takes small loans from the
SHG for the business and repays it with interest.
She is happy to be a part of the SHG as her little savings helps her take loans which in turn
facilitate her business. She wants to expand her business with the help of a loan from SHG.
Shes wants to send her daughter for beauty parlour training at DBDS.
Name: Ramlaxmi Pillai
[25]
Ramlaxmi Pillai resides in Dharavi with her

family consisting of her husband and her two
daughters. She belongs to Sanata Marie SHG.
Ramlaxmi along with her husband has recently
started a coconut selling business which has been
running for a year now. The only aim of setting
up the business was to run the family. Her
husband has been in this business for years now
in his home town thus when they moved into the
city he thought it would be best if they start a
business where he could capitalize on his
previous knowledge and skills.
They believe in self-dependency therefore working under anyone is out of the question. The
monthly income is usually around Rs.10000. The coconuts are sold in and around Dharavi
market for Rs 12 to16 depending on market. On a monthly basis they buy at least 4000 to 5000
coconuts. They also spend Rs 600 to hire a cart on a monthly basis and Rs 500 on travelling to
Vashi market. Her SHG has given her a lot of information on various means of savings.
Together they want to start a shop and grow their business.
Name: Regina Alphonso
Regina is a member of Vijay SHG. She stays at
Antop hill with her mother and her husband. She
works as home worker for a garment factory. She
works on piece rate basis and her job is to remove
extra threads from the readymade garments. She is
into this activity for the past 7 months. She took up
this business with the hope to assist the family
financially and also devote her time in some
productive activity.
The shirts comes from the factory and the instrument required to cut off the extra threads is also
provided by the factory therefore she does not have to invest money from her pocket. The shirts
from the factory are given to her in the night and by the next evening she has to finish her job
and in case of emergency by afternoon. She earns Rs 75 per day on an average. Her mother and
sister also help her whenever they are free. This business has helped her create a trust factor
with the people at the factory. She does not have to depend on the outside world or she does not
[26]
have to plead before anyone for money and she is proud of it. In future if she gets financial
support she would like to start her own business.
Name: Rekha Vijay Tapase
Rekha is a member of Batwa SHG. She stays at Kurla with her children. She works as
housemaid and cooks food in houses. She is doing this for the past 12 years. She cooks for three
houses which are located in Sakinaka and gets Rs 7500 a month.
She has faced lot of problems in her life, she lost
her husband after prolonged illness and than after
few years her mother-in-law also passed away due
to cancer. The income she earns is not enough to
take care of expenses. She takes loan from the
SHG as and when she needs. SHG has helped her
in providing her with information at the same time
it has also helped her in her self development. She
would like to cook for a hotel which would be
financially beneficial to her and also prevent her
from visiting families.
Name: Sarojini R.G .

Contact No.: 9920923548
Sarojini lives in Clera Chawl, Antop hill and is a member of Balaji SHG. Her family comprises
her husband and her daughter. Her husband is a TV repair mechanic and her daughter has
recently completed her graduation in commerce. She works as home worker for a garment
factory. Her job is to put beads on dresses. By doing this job she is able to keep aside her
boredom and make some earnings for the family. The business that she is doing is not a
continuous process, it depends on as an when she gets the order. On each piece she earns Rs 3.
Her monthly income from the business is about Rs.3000 to 5000.
[27]
Name: Rekha Santosh Jogdandh

Rekha is a member of Mahakali SHG. She stays
at Dharavi with her family comprising of her
mother-in-law, her husband and two children. She
runs a parlour and during festivals she also makes
jewellery and sells. She has been running the
parlour from the past 6-7 years. The main aim of
running this business is to contribute to family
income.
She provides services such as bleach, facial, eyebrows, hair cut and waxing. The customers that
she gets are the people who know her. Her charges ranges from Rs15 to Rs 300. On an average
in a month she earns an income of Rs 3000-4000. She has undergone training from the
government institute for 1 year and from a mahila mandal for 3 months to run the business. This
business has helped her increase her contacts and helped her in running the house. She wants to
own a shop where she can start her business and better business.
Name: Reshma Ansari
Reshma is a member of Jaibheem Shakti SHG.
She resides at Dargah Galli in Dockyard area. Her
husband works in as labour in ship breaking
industry. Her family comprises of her husband ,
her son and daughter. She undertakes tailoring and
beadwork on piece rate basis. By this she is able to
earn about Rs. 2500 per month. She underwent
training in tailoring for 3 months. She stitches
salwar suits for Rs.150, blouses for Rs.150 with
lining and petticoats for Rs.60. She has recently
bought a secondhand sewing machine.
SHG has been of immense help to her. She takes loan for domestic and income generation
purpose. With regards to help provided by DBDS, she is very happy with the efforts made by
them to make women feel involved in the earnings of their families. They regularly call for
[28]
meetings. With regards to her future plans, she wishes to continue the same line as her kids are
very small and require constant attention.
Name: Sita Pawar
Sita is a member of Ramai SHG. She lives in
Jaibhim Nagar, Kasara Bandar with her family
consisting of her mother, two grandchildren and
one daughter. She sells earrings and clips in the
train every day from CST to Panvel. She is doing
this business for 16 years now. She earns Rs 100
150 per day. Although she is 60 yrs of age she
is the only working member in the family who is
running the house. Sita sells each pair of earrings
for Rs 5 to 10 and clips for Rs15 to 20. She had
taken a loan from the SHG of Rs 2000 for
purchasing earrings and clips in bulk from the
wholesaler and later on she repaid that amount
fully.
By selling in train she is able to earn about Rs. 4000-4500 in a month. But the Her monthly
sales are Rs 5000 and her everyday travelling expenses is Rs.20. Her earnings keeps fluctuating.
She lost her son after his marriage and since then she has to work hard to take care of her grand
children. Even though the earnings are low but she ensures that her grand children attend the
school.
Name: Sophia DSouza
Sophia is a member of Shubham SHG. She lives in Bhimwadi, Wadala (E) with her husband,
daughter and her son. She is a beautician and runs a parlour in her home. She also visits homes
to provide beauty treatments and services. She was always interested in running a business to
support the family. So she took training in beauty treatment. With this business she is able to
earn about Rs 4000 to 5000 every month. She had no money to start the business so she took a
loan of Rs 20000 from her sister to purchase the instruments, equipments and beauty products.
Later she took another loan of Rs 10000 from Church to streamline the business. She wants
expand the business to earn more money to support her family.
Name: Sapna K Siddhavaktula
[29]
Sapna belongs to Trevani SHG. She lives in Sad

Guru Chawl, Antop hill in Wadala. Her family
consists of her husband, son, daughter, father-inlaw and mother-in-law. She works as a home
worker on piece rate basis. She sticks beads on
dresses. She gets all this material from the factory.
She has been doing this work for the past 10 years.
However she does not earn much from this
business. On an average she earns around Rs 2000
to 3000 per month. The work quantity fluctuates
throughout year. Most of the work is available
during festivals like Diwali, Eid, Christmas etc. Her
husband works as labourer in manual works and
gets irregular work.
Name: Sundari Devdas Pillai
Sundari lives in Dharavi with her husband and a
9 year old son. She is a member of Santana Marie
SHG. Sundari cooks delicious food and thus
started a catering business where she supplies
cooked meals on order. She takes part payment in
advance for purchasing the raw material and
ingredients. She is running this business for 1 yrs.
The purpose to start catering business was to
support the family with some extra income.
It was her husband who encouraged her to take up the endeavor and also the members of SHG
motivated her to own the business. The ladies in SHG are very helping to each other. Her
income depends on the orders placed in a month byvarious customers and usually ranges from
Rs 5000 to 10000. Her catering menu has both vegetarian and non vegetarian dishes like south
Indian, Muglai, Chinese etc . Whenever there is a huge order she employs a helper. Sundari has
not taken up any cooking classes but has learned from her peers. She feels a sense of pride and
also receives a lot of praise for the work shes doing. Shes thankful to DBDS for creating a
SHG. She doesnt mind training people herself but feels that learning more about other cuisines
will help her grow. If she continues to get good orders she would like to expand and it might be
possible that husband also join the business.
[30]
Name: Sunita Sanjay Narayankar

Sunita is a member of Laxminarayan SHG. She
lives in Dharavi with her family consisting of her
in-laws, husband and 3 children. Sunita is a
tailor by profession and runs a tailoring shop
from her house. She is doing this to help support
her family to make ends meet. Business is not on
a daily basis it depends on the demand hence her
monthly income is usually in the range of Rs
3000 to 4000. Sunita specializes in stitching
various clothes like Blouses, Blouse with lining,
Punjabi suit, petticoats, ghagara skirts etc.
She gets her business from locals. She handles her business alone. She was trained in DBDS for
2 months to brush up her tailoring skills and it also helped her in running her business more
effectively. Other than this she also has completed various other govt funded trainings in
mehndi designing, candle wax making, jewellery making etc. Currently the only major
challenges she faces is not having enough capital to grow her business and medical expenses on
her youngest son who has a hole in his heart. Shes struggling to take up a loan to buy a second
hand fall beading machine that can help grow her business. Her SHG as acted as a support
group for her and imparted knowledge on rights and entitlements.
Name: Suvarna Pawar
Suvarna Pawar is a member of Batwa SHG. She
resides in Ashok Nagar, Kurla with her husband,
two daughters and a son. She is engaged in beed
work upon dress materials. Suvarna has been in this
line for more than 10 years.Her monthly income
comes to around Rs1000-2000.She works on piece
rate and rate depends upon the design which vary
from Rs 2 to 8. She does bead work on tops, maxis,
dupattas and dress materials.She has received social
recognition for the skilled work she does and is also
well-known by the suppliers who refer her to other
suppliers.
[31]
Name: Swati Atmaram Bachin

Swati is a member of Unnati SHG. She stays at
Sion with her husband and two children. She is a
newly entrant in tailoring business. She took up this
business to help her family. The main aim of her
running this business is to help her family. She has
taken training from DBDS for stitching which was
a 4 months course. She faced challenges for
purchasing the stitching machines because of lack
of money and later while she was undergoing training in tailoring as there was no one to take
care of children at home. Now she can do her business and manage her house at the same time.
Her SHG has helped in saving and motivated her to run the business. In future once her kids
grow up she would like to expand her business and she also wants to do another course so that
she can start a new business and she has more options available to her.
Name: Tejshree Gajab
Tejshree is a member of Shivshakti SHG. She lives
in Vijay Nagar with her family which consist of her
husband, a son and a daughter. She works as a
sales person on commission and sells sanitary pads
in Dadar and Nerul. She is doing this business for
last 10 years. With this she is able to earn about Rs
5000 in a month. She is doing this to support her
family financially. She sells 3 packets of pads for
Rs100. She goes to these places for sale only twice
a month. One of her friend doing the same business
helped her by showing her various ways of
handling customers thus making her job more easy
and relaxed.
She feels that due to her work profile she now has gained more respect in the family and
society. Tejashree now plans to hire a person to help her in expanding her business.
Name: Ujjawala Sanjay Sherkhane
[32]
Ujjawala is a member of Ekdant SHG. She lives in Dharavi with her family consisting of
herself, her mother-in-law and her 2 sons and 2 daughters. Shes been running the house by
herself ever since her husband passed away. She makes Papad for Lijjat Papad. Shes been
doing this for around 18 years. Her main aim to join work with Lijjat Papad was to help run the
family. On a daily basis she bails around 5 to 6 Kgs of dough. Lijjat pays Rs 35 per Kg
therefore on an average she makes Rs 200 a day.
Some of her savings are part of the company
policy where by the company adds Rs. 20 to her
savings for every 10 Kg of Papad made in a day.
Ujjawala has been doing this by herself with
little helps from her kids now and then. Her only
expenditure in this business is spending on
buying baskets, papad roller ,polpat and oil from
time to time. Other than this during festivals
Ujjawala also works as a security guard doing
night shifts. She has also encouraged other
housewives in the local area to take up work in
the same business. She would like to be trained
in spoken English.
Name: Tressa Rodrigues
Contact no: 022-24186260
Tressa is a member of Kutumb SHG. She lives
in Bhimwadi, Wadala(E) with her family
consisting of husband, 3 sons, brother-in-law,
sister-in-law, mother-in-law, niece, and
nephew. She along with her husband runs a tea
stall which serves tea and snacks. This
business was started 20 years ago. Their
monthly business income is around 15000 to
17000. They have taken a loan of Rs 50000
from Bank of India for their business. This
business has helped her to increase her
contacts. They want to enhance and expand
their business by putting soda machine, juice
machine, tea machine etc. for which they
require funds.
[33]
Name: Meenakshi Pawar

Meenakshi is a member of Saksham SHG. She lives
in Ashok Nagar,Kurla with her family. She started
learning music when she was 11 year old. She takes
music tuitions now and she has 7 students. Her
monthly income is about Rs 5000. She says that in
order to be a good teacher, she herself needs to be
perfect in every way with regards to music.
Also there are times when she learns a lot from her own students. When asked on why she took
up this occupation, she replied that she was interested in music and was also encouraged by her
father. She had attended private classes in music in her neighbourhood. There was no resistance
from her family as they all supported her. As to her future plans she wishes to become a
professional musician.
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Emerging Business Women

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Emerging Business Women

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Don Bosco Development Society

Don Bosco Development Society

Don Bosco Development Society

Main Worker (%)

Worker Non-Worker (%)

Source: Census of India, 1961-2001

Don Bosco Development Society

Don Bosco Development Society

Arti stays in a rented house and her rent comes to

She has a lot of self-confidence which can be seen

Cristy is a member of Laxmi SHG and lives in

Name: Devnagmani Gubble

Don Bosco Development Society

She took a loan of Rs 5000 twice from SHG and

Don Bosco Development Society

Name: Jaya Arun Kharvi

Jayashrees job is to manually cut the plastic nipples

Name: Jyoti Palgiri

Don Bosco Development Society

Name: Kulsum Anvar Khan

Don Bosco Development Society

Name: Pramila Sarang

Every day there is a new menu with a variety in

Don Bosco Development Society

Name: Pakiye Selvi Pillai

Ramlaxmi Pillai resides in Dharavi with her

Name: Sarojini R.G .

Don Bosco Development Society

Name: Rekha Santosh Jogdandh

Sapna belongs to Trevani SHG. She lives in Sad

Name: Sunita Sanjay Narayankar

Name: Swati Atmaram Bachin

Name: Meenakshi Pawar

Don Bosco Development Society

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