Lalengmoi Halam is residing in Bagma Balaram under Ambassa R.D Block Dhalai Tripura. She is belong to ST Community She comes to know about the Loan advertisement published in the local newspaper from ST CoOperative Development Corporation Ltd. According to advertisement she submitted an application for Piggery to the Tripura S. T CoOperative Development Corporation Ltd. through Block Development Officer Ambassa R.D Block. Tripura S.T CoOperative Development Corporation Ltd. considering her application and sanction Loan under the scheme of Piggery. Her present monthly income is 15000Fifteen thousand only. She is running her pig farming and now living with self respect dignity and pride in the society. Her advice to other persons that she has benefitted from Tripura S.T CoOperative Development Corporation Ltd. She is successful beneficiary.

Subir Debbarma is residing in Lambabil under Manu R.D Block Dhalai Tripura. He belongs to S.T Community. He comes to know about the Loan advertisement published in the local newspaper from ST CoOperative Development Corporation Ltd. According to advertisement he submitted an application for Fishery to the Tripura S. T CoOperative Development Corporation Ltd. through Block Development Officer Manu R.D Block. Tripura S.T CoOperative Development Corporation Ltd. considering his application and sanction Loan under the scheme of Fishery. His present monthly income is 15000Fifteen thousand only. He is running his fish farming and now living with self respect dignity and pride in the society. His advice to other persons that he has benefitted from Tripura S.T CoOperative Development Corporation Ltd. He is successful beneficiary.

Lalmon Kim Kuki is residing in Kamalcharra under Ambassa R.D Block Dhalai Tripura. He belong to S.T Community. He comes to know about the Loan advertisement published in the local newspaper from ST CoOperative Development Corporation Ltd. According to advertisement he submitted an application for Auto Rickshaw to the Tripura S.T CoOperative Development Corporation Ltd. through Block Development Officer Ambassa R.D Block. Tripura S. T CoOperative Development Corporation Ltd. considering his application and sanction Loan under the scheme of Auto Rickshaw. His present monthly income is 15000Fifteen thousand only. He is running his Auto Rickshaw and now living with selfrespect dignity and pride in the society. His advice to other persons that he has benefitted from Tripura S. T CoOperative Development Corporation Ltd. He is successful beneficiary.

Being a SHG member is social status and pride to the women in the rural areas of the Telangana and Andhra Pradesh states. The State of Andhra Pradesh is a pioneer in the SHG movement; the SHG movement is playing a significant role in the lives of rural people in both the states even after the bifurcation of Andhra Pradesh. Stree Nidhi being part of this SHG movement played a crucial role in micro credit lending to the members of the SHG in the southern states. Stree Nidhi which is channeling agency for NSTFDC especially for the micro credit scheme has been facilitating SHG groups get financial support for lesser interest rates and at regular higher doses of loans through which its women members can set up different small scale projects and works for their livelihood. SHGs has provided the rural and tribal women a base and platform to step on the economic ladder otherwise lives of these women in rural areas are about living on the margins. One such story is seen in the heartland of Adilabad district Utnoor Village. SHG has given a crucial platform for R.Kavitha to become financially sufficient to carry life forward as her husband abandoned her a few years back with two children. Today R.Kavitha is a proud owner of Kirana store in X Roads Utnoor Alidabad which she started with loan availed being member in the SHG one decade back. She started the Kirana store named DhanaLaxmi Kirana with Rs. 50000 and slowly expanded her business by availing loans from Stree Nidhi repeatedly by promptly repaying the loans. Today she is running the Kirana Store successfully which she had started single handedly in her own house. Recently she had taken a loan from Streenidhi of Rs. 300000 of which Rs. 50000 is refinance from the NSTFDC micro credit scheme. She belongs to the Lambada ST community and is 38 years old with a minimum education of 10th Standard. Today she is earning a monthly income of Rs. 2000025000 from the shop. With sheer entrepreneurial determination she was able to achieve the success with the help of continuous and robust support from the SHG and being SHG member also helped her to gain confidence and given her financial understanding also. Through the income from the unit she is able to provide education for her children without any struggle and is able to provide a good quality of life to them. Her family standard of living has changed to a large extent and she feels pride in making her own journey in her own terms and conditions without depending on others.

Dr Maheswar Hembram a Scheduled Tribe candidate belonging to SANTAL Community of West Bengal. His mother tongue is Santali. He is well versed in Bengali Hindi and English. Dr Maheswer Hembram applied for ASRY loan on 04.06.2015 of Rs. 163450.00 for his studies. In response to his application NSTFDC sanctioned 90 of the aforesaid amount i.e. Rs.147000.00 only. Dr Maheswaer Hembram has completed the Bachelor of Veterinary Science Animal Husbandry in the year 2018. He has repaid the loan amount to this Corporation successfully. He is presently working at AMUL Cooperatives as an Assistant Research Scientist in the Hooghly Tarekeswer Unit of West Bengal. His present monthly income is Rs.80000 only.

Shri Dhuleshwar Nogada son of Shri Ramdev Meena Mohalla of Meena Village Post Marwa Via Narena Teh. Dudu Jaipur was selected for Aloe Vera Gel work under Term Loan Scheme in the financial year 202122. The applicant has been sanctioned a loan of Rs 0.40 lakh from the NSTFDC through Rajasthan SC ST Development Corporation Anuja Nigam. The beneficiary has started the production work at his home by purchasing Aloe Vera gel machine jar and jar packing machine and the applicant is getting a monthly income of about Rs 25000 per month by selling aloe vera gel. The applicants family is satisfied with the assistance provided and other beneficiaries are also being encouraged to take benefits from the scheme.

In 2021 Janbemo Humtsoe embarked on a journey that would not only transform his life but also provide a vital transportation service to his community. With the support of a loan he purchased an Eeco van using it to operate a taxi service between Dimapur and Kohima. Janbemos story is a testament to determination entrepreneurial spirit and the positive impact of accessible transportation. Janbemo Humtsoes vision of providing reliable and affordable transportation between Dimapur and Kohima led him to invest in an Eeco van. This practical choice allowed him to offer comfortable rides while keeping operational costs manageable. Janbemos taxi service plays a crucial role in connecting the two major cities of Dimapur and Kohima in Nagaland. The convenience of his service has made it a popular choice among commuters tourists and locals alike. Passengers appreciate the affordability and convenience of Janbemos rides priced at just 330 rupees per passenger. With the capacity to carry 7 passengers his daily gross income totals an impressive 2310 rupees. Janbemos initiative not only benefits passengers but also contributes to the local economy. He provides employment opportunities for drivers and supports the vans maintenance needs thereby stimulating economic growth within the community. Janbemo Humtsoes journey highlights the transformative power of entrepreneurship and the importance of accessible transportation. With an Eeco van and a vision to bridge the gap between Dimapur and Kohima he has not only realized his dream but has also become a valuable contributor to his regions development. Janbemos financial success is equally impressive. His gross monthly income stands at approximately 90000 rupees and after accounting for expenses he consistently enjoys a healthy profit margin ranging from 20000 to 25000 rupees per month. Janbemos story serves as an inspiration for those looking to make a positive impact through entrepreneurship. Through hard work determination and the support of a loan he has successfully carved out a niche in the transportation industry improving the lives of countless individuals who depend on his reliable taxi service.

In the world of entrepreneurship there are individuals who not only follow their passion but also turn it into a thriving business. Hitoka Zhimomi is one such entrepreneur who hails from Nagaland and has accomplished just that. In 2022 with the support of a 3lakh loan from our corporation he has established a flourishing furniture unit specializing in crafting beds furniture pieces and other carpentryrelated products. His journey is a testament to the power of determination craftsmanship and smart financial decisions. Hitoka Zhimomis venture began with a simple yet profound passion for carpentry. With a loan of 3 lakhs he saw an opportunity to turn his love for crafting furniture into a sustainable business. His dedication and skill soon bore fruit as he began producing highquality beds and furniture items that found favor with local customers. Hitokas furniture unit has not only enabled him to follow his passion but has also proven to be a profitable endeavour. On average he earns a monthly profit ranging from Rs.15000 to Rs.20000. This success is not only a testament to his craftsmanship but also showcases the importance of timely financial support and investment. Beyond personal success Hitokas business contributes to the local economy and provides valuable employment opportunities. His growing venture has created jobs for skilled artisans further strengthening the community. Hitoka Zhimomis story serves as an inspiration for aspiring entrepreneurs. With a passion for carpentry a vision and the support of a loan from our corporation in 2022 he has not only realized his dream but continues to craft success in the world of furnituremaking. His journey reminds us that with determination and the right financial backing anyone can transform their passion into a profitable enterprise.

In the heart of Nagaland a remarkable individual named N. Hongpe Konyak has adeptly converted a financial opportunity into a flourishing taxi business. With a loan of 6 lakhs secured from our corporation Mr. Konyak invested wisely in a Trax Cruise vehicle subsequently transforming it into a valuable asset catering to the transportation needs of residents traveling from Dimapur to Mon. This inspiring success story exemplifies the potency of determination and prudent financial decisions. Income per Trip 9 passengers × Rs.700 Rs.6300 per trip Gross Monthly Income 1529 days Rs.100000 Monthly Expenses approximate Rs.60000 Monthly Profit Rs.40000. Every day Mr. Konyak consistently plies the route ensuring a safe and reliable journey for his passengers. His competitive fare of Rs.700 per person has solidified his reputation as a trusted service provider in the region. This reputation has not only secured a loyal clientele but has also contributed significantly to the local economy. Mr. Konyaks dedication and astute financial management have yielded impressive results. Earning Rs.6300 per trip he accumulates a monthly gross income of Rs.151200. After meticulously accounting for monthly expenses he consistently enjoys a substantial profit margin of approximately Rs.80000 underscoring the sustainability and profitability of his thriving taxi business.

In the heart of Nagaland a remarkable individual named N. Hongpe Konyak has adeptly converted a financial opportunity into a flourishing taxi business. With a loan of 6 lakhs secured from our corporation Mr. Konyak invested wisely in a Trax Cruise vehicle subsequently transforming it into a valuable asset catering to the transportation needs of residents traveling from Dimapur to Mon. This inspiring success story exemplifies the potency of determination and prudent financial decisions. Monthly Earnings and Profit Summary Income per Trip 9 passengers x ?700?6300 per trip Gross Monthly Income 1529 days?100000 Monthly Expenses approximate?60000Monthly Profit?40000 Every day Mr. Konyak consistently plies the route ensuring a safe and reliable journey for his passengers. His competitive fare of 700 rupees per person has solidified his reputation as a trusted service provider in the region. This reputation has not only secured a loyal clientele but has also contributed significantly to the local economy. Mr. Konyaks dedication and astute financial management have yielded impressive results. Earning 6300 rupees per trip he accumulates a monthly gross income of 151200 rupees. After meticulously accounting for monthly expenses he consistently enjoys a substantial profit margin of approximately 80000 rupees underscoring the sustainability and profitability of his thriving taxi business.

Born in a family of agricultural family Shri Bosaiah So Mudiyappa use to till land of his rich tribal cousins and lead a life of deprivation and hopelessness .His income peaked at the most of Rs 11000 per annum plus some produce out the of agricultural output he has produced on large field owners of his village as is the practice in the agricultural community. He learnt about the Ganga Kalyan Scheme from a relative who worked with the Govt. He applied for the loan and was selected by the local selection committee . He was granted sanction and soon his field was surveyed for ground water and bore well dug by the company contracted by the state govt. The water was oozing out like Ganga from the pumpset signaling the advent of better times to the family. The beneficiary family started taking 3 crops from his land and was to make an income of Rs. 65000 per annum plus full supply of food grain and vegetable from field . The beneficiary is able to now provide good education to his children and better health care to his old parents and family . The economic status as well living standard of the beneficiary has risen and he is happy and upbeat. He is regular in the repayment of loan .

Women Empowerment through the synergy of LAMPS Large Area Multipurpose Societies State Channelising Agencies SCAs and NSTFDC in the State of WEST BENGAL The convergence of the flagship scheme of NSTFDC AMSYAdivasi Mahila Sasaktikaran Yojna exclusively designed for tribal women with LAMPS Large Area Multipurpose Societiesthrough SCAs in West Bengal has been highly instrumental in enriching lives of thousands of tribal women and their families enabling them to take up livelihood activities. Under AMSY loan is extended at a highly concessional rate of 4 percent per annum to enable tribal women to take up livelihood activities. ? Of all the aspects of empowerment of women economic aspect certainly plays a pivotal role .In the tribal society it is observed that there is relatively less social discrimination owing to gender and tribal women are empowered in their own traditional way. However the intervention through AMSY leading to participation in an economic activity and the contribution by women in the family income promotes capacity building and more importantly creates an identity for them. This positive change is the result of the concerted effort of the two State Channelizing Agencies implementing NSTFDC Schemes in the state of west Bengal viz West Bengal SC ST Development Finance Corporation West Bengal Tribal Development Cooperative Corporation Ltd and involvement of LAMPS working as extended arms of the SCAs. The tribal women beneficiaries are member of these LAMPS. The striking feature here is that the LAMPS stand as guarantors for these tribal women facilitating them to avail financial assistance from NSTFDC. The economic activity undertaken by tribal women are mainly traditional in nature rooted in the tribal way of life like animal husbandry which may include house dairy goatery piggery duckery sheep rearing or activity like Bubai Rope making sal leaf Plates making etc .Thus besides improvement in the living condition the endeavours have instilled in these beneficiaries a sense of confidence. Majority of them now hold Bank Accounts in the Mini Banks established by LAMPS. The pass book carrying their name and photo is a mark of identity and self respect for them .The Scheme has benefited around 42000 number of tribal families.

Miss Bandari Nongsteng was unemployed before availing the financial assistance from NSTFDC. She availed term loan Rs.52540 and started Piggery business. Now she is earning Rs.4000 to Rs.6000 per month by selling pigs. Her economic condition has improved. She bought a TV also.

Gujarat is one of the leading milk producing state in India.The state has matching infrastructure facilities for production and marketing of milk. District Milk Producers Cooperative Unions that collect milk from Primary Milk Producers Cooperative Societies are located at the village level.In the last five years NSTFDC has sanctioned six phases of Dairy scheme with its share of about Rs.10000 lakh. About Rs.7100 lakh to the Gujarat Tribal Development Corporation GTDC for covering over 44000 ST beneficiaries subsisting on BPL income. The scheme has been implemented in different districts Baroda Banaskantha Sabarkantha Panchmahal Bharuch Surat and Tapi where ST concentration is high. The salient features of the Scheme are as under : •Each beneficiary receives two milch animals funded with 50 loan and 50 subsidy . •The beneficiaries were identified by the District Dairy Cooperative Societies and the GTDC . •In each village Milk Procurement Centre examines the fat content in milk and fixes the per litre price of milk. •Payments to the beneficiaries are made three times in a month after deduction of the loan installment. •Cattle feed requirements is generally locally meet . In case of need cattle feed is also procured from outside. •The District Cooperative Societies also extend veterinary medical facilities . Veterinary doctors are available round the clock in case of emergencies.

Spices Seller in Wyanad Kerala supplies packets of turmeric powder cloves. pepper cinnamon etc. by displaying the same in his Maruti 800 car

NSTFDC has sanctioned land mark Land Purchase Scheme to Karnataka which has transformed lives in masses of tribal who become owners of agricultural land and are now cultivating their own crops in addition to the traditional work they do of picking minor forest produce or work as laborer or coolies in farms of other land owners

In the last five years, NSTFDC has sanctioned six phases of Dairy scheme with its share of about Rs.10000 lakh.

Gujarat is one of the leading milk producing state in India.The state has matching infrastructure facilities for production and marketing of milk. District Milk Producers Cooperative Unions that collect milk from Primary Milk Producers Cooperative Societies are located at the village level.In the last five years NSTFDC has sanctioned six phases of Dairy scheme with its share of about Rs.10000 lakh. About Rs.7100 lakh to the Gujarat Tribal Development Corporation GTDC for covering over 44000 ST beneficiaries subsisting on BPL income. The scheme has been implemented in different districts Baroda Banaskantha Sabarkantha Panchmahal Bharuch Surat and Tapi where ST concentration is high.