975 Project Proposal
975 Project Proposal
975 Project Proposal
THROUGH MICROCREDIT
HISTORY OF PAT:
PAT was promoted as a Trust under Indian Trust Act on 02.05.1997 by a team of socially
committed and concerned individuals headed by K.Hirudayasami. The objective was to empower
the underprivileged and to improve the quality of their life in collaboration with like minded
individuals, organizations and government departments. After a period of 5 years doing mostly
social intermediation, we decided to step into the activities promoting economic development in
the lives of our clients. The financial assistance came from Friends of Women’s World Banking,
India, Ahamedabad towards our Micro credit operation at the fag end of 2003. The size of the
first loan granted was Rs. 5 lakhs. Now our portfolio has grown to the size of 5 crores and above
benefiting nearly 14000 clients.
VISION:
PAT aspires to be a sustainable organization empowering the urban and rural poor, economically
and socially irrespective of caste and creed.
MISSION:
To enable the urban and rural poor to attain sustainable growth by creating livelihood
opportunities through delivery of microfinance and related support services by fair and
transparent systems.
GOALS:
1. To provide micro credit to 2000 rural and urban poor every year in Ariyalur, Trichy and
Tanjore districts of TamilNadu.
2. To achieve an estimated portfolio outstanding of Rs. 2 crores every year.
3. To increase the income level of beneficiary families who availed the 4th cycle of loan.
DEFINITION OF TARGET CLIENTS FOR CREDIT AND SAVINGS PROGRAMME:
Socio-demographic Characteristics of target clients:
Almost all our 35000 target members in Ariyalur, Trichy and Tanjore Districts in TamilNadu
belong to Below Poverty Line Category i.e. their annual income is under Rs.24000/-. These
women emerge from different castes and creed. There are scheduled tribes, scheduled castes,
backward class and most backward class. They come together in small numbers, say 15 to 20 to
form Self Help Groups to help and be helped mutually.
Of the 35000 members, 5% have studied upto 10th Std. 30% upto 8th Std and the remaining 65%
are illiterates.
These SHG members do not keep idle but they grab the Job opportunities to bring an income
however small to their families. It is they who take care of the economic needs of their families.
Thanks to the repeated ‘family welfare drive’ both by the Government and NGO (PAT) the
fertile couples opt for small family limiting the number of children to two.
Despite their illiteracy, vast majority of them do realise now the need and the importance of
education for their children. This is amply evident from their borrowings from respective SHGs
to support the studies of their children.
On account of week long Entrepreneurship development training and the intensive motivation to
go for a regular income generating work, they keep urging us to provide them financial support
and help them find out job opportunity.
Manufacturing Activities:
Weaving Chili & Coriander powder production
Mushroom cultivation Coir making
Petty Trades:
Petty shop Glittering shop
Grocery Book stall
Ice vending Tea stall
Vegetable vending Saree sales
Idly shop Scrap collection
Fruit shop Stationery shop
Bakery shop Dry fish sales
Fuel Retail shop
Service Enterprises:
Xerox Cycle shop
STD Booth mending bags
Tailoring Ironing etc
Present saving of the clients:
The savings limit per month per member in the group is in the range of Rs.50-80, yet this
differs from group to group.