Sushila Kumari

Sushila Kumari

A quite and intelligent looking Sushila Kumari is a perfect example of the fact that there is no greater force for change than people inspired to live a better life. …

Due to poor economic condition and various social barriers, her family was at dire strait. Her father and elder brother work in a shoe shop in Delhi. Her mother, Girija Devi too wanted to support the family through an additional income.

She took 3 consecutive loans from CDOT for rearing of buffaloes, which makes her earn a monthly income on Rs.1000 to 2000. This was hardly enough to support the education of her Sushila, who was keen to continue with her studies but did not have the ability to do so.Hence she applied for the Educational Loan from CDOT under Rang De project.

She was eligible for availing of this loan as her mother was an existing beneficiary of the micro finance programme. Sushila attends a college about 5 kms away from her and is doing her Intermediate with subjects of Political Science, Social Science, English and Hindi. She wishes to take up teaching as a profession, and also has plans to render private tuitions to the children of the community to help them with their regular studies. The self worth and confidence that has build up in Sushila and other such students who are pursuing higher studies are the fruits of what CDOT has sown in terms of support.

As a development institution CDOT always take holistic approach of development. Our vision is to reach the people with multiple products as per their requirement. We started working on financial inclusion probably we are among the first few organizations in this sector. Financial inclusion is one area where 360-degree services related to financial services is delivered to clients. We started working in this field from very beginning and now serving to 5 million clients across 6 states. We faced many problems at initial stage but as technology improved now it is real big thing has been created with huge network of BC agents providing all possible kind of services to untouched rural and urban mass. Now all kind of credit is also being proposed through BC network. During COVID period also BC agents worked very bravely and acted as true warriors.

COVID-19 given us a lot of learning. We learnt and converted this into making the organization more efficient and effective. At one stage where every where lock down but we kept on working and developed many inhouse software to operate more efficiently. It helped us to learn working from home and better control and deliveries. CDOT capitalized the opportunity and improved the deliverables to communities.

With a workforce of 200 people that totally depends on revenue was a big challenge for us but we worked kept giving salaries and other things and very smoothly came out. So, lock down opened a new diaspora for us to operate. CDOT believe in delivering meaningful services, our work in skilling the youth and providing loan for sanitation and creating hyper local market has been excellent initiatives and we are delivering best and our team has always been stood behind the cause.

After 20 years of our operation we are fresh full of energy to deliver more and more in rural and urban areas. With our effective work force and also alumni of CDOT has proved that CDOT is capable of handling the things in effective manner. We have young team mixed with experienced people forms a dynamic team.

In coming days, we are working to be more technology driven organization and we are developing software to address the need of the community. We are venturing into rural market, livelihood, training, housing and MSME finance. Creating platform for this.

At last I am thankful to all associated with CDOT for making the institution for great importance. I am thankful to staff and financers who always believed in CDOT. In coming days, we will come out with many more feathers to our cap. Thanks again.