Gulabi - Interview 3
Duration: 00:25:25; Aspect Ratio: 1.333:1; Hue: 190.649; Saturation: 0.044; Lightness: 0.276; Volume: 0.314; Cuts per Minute: 2.006; Words per Minute: 43.510
Summary: Interview conducted in Tamil and kannada with women members of Gulabi Mahila S.H.G and Kamala Mahila S.H.G comprising of hawkers, domestic workers and daily wage coolies.
Avenue Road
Avenue Road
Interview with older woman member of a women's S.H.G wearing burnt red sari
(Tamil)
chatter
background voices: you should talk about your group
Woman2 wearing a burnt red sari (W2): what can i say
background voices: each one should talk about their own groups
(Kannada)
Male Interviewer (MI): what's the name of your group
W2: Kamala
MI: How long has it been since you joined the group
W2: 2 years
MI: How much have you saved in your group?
W2 with others: Ten thousand (Rupees)
MI: How many in your group
(tamil)
W2: 15 people
(Kannada)
MI: What kind of work do they do?
(tamil)
W2: (1st 2 jobs she mentions are not clear)some do business
(Kannada)
MI: what do people take loans for in your group
(Tamil)
W2: School books for kids,..(interrupted by MI and continues) for paying other small loans that they might have taken or for procuring things, that's all
GW1 (woman from Gulabi Mahila S.H.G group): if we have taken loans at a high interest from elsewhere then it's easier to pay it off by taking loans from here at a lower interest
Avenue Road
MI (Male Interviewer): Now you've taken a loan quite a few times.. What's the difference between taking a loan elsewhere and from here
W2 (Woman From Kamala S.H.G): The interest here's less, there it's more
MI: How much more?
W2: The take 700 for every 1000 as interest. You have to pay 100 every month. here it's lesser
MI: How lesser?
W2: here you can pay as much as you have. 50 or 100 or 30 or whatever it is you have
MI: so which is better
W2: This is..
GW1 (woman from Gulabi Mahila S.H.G): This is lesser and that's more
W2: This works out to much lesser. We pay what we have in hand
Part 2 of Interview with older woman member of Kamala S.H.G
Mid top angle shot with 4 women
Avenue Road
Male Interviewer (MI): Don't the group members children all go to school... which school do they go to?
Woman from Kamala S.H.G (W2): all go to the government school.. we have to buy the books they tell us to.. that's all
Background voices: They provide clothes and mid-day meals... But that's only once a year
W2: Yes, they provide clothes once a year.. the rest of the time we have to buy what is required
Background voices: Yes, we have to buy it for them.. it's not like we have a choice, do we!
Chatter
Camera pans left and right to woman with 2 kids on lap
0:00:31:275
Male Interviewer (MI): over the past 2 years what have you taken loans for, how have you payed it back and how has it been useful
background voices: didn't you take it for a marriage
Woman Member3 (GW3): i took it for a marriage back home
MI: And you Mrs. Sanjaya? How has this group been helpful
Woman behind GW3 (GW4): household expenses, to clear off a loan.
(Kannada)
Male Interviewer (MI): How has the group been helpful to you
(Tamil)
Woman in black and green sari GW3: i had to pay back a loan and for going home
MI: so those were the two reasons why you took the loan
Male Member describing the setting up and functioning of the two Women's Self Help Groups Gulabi and Kamala at Avenue Road
Male wearing white shirt (MI): Now we've been working here for the past 2 years
Then we started these 2 groups. Gulabi and Kamala. In both these groups we have been saving and taking loans. Similarly another set of people asked to be part of the group and we set up the third group called the Indira Gandhi group. Now in these two groups, Gulabi and Kamala, we have saved 10,000 each.
MI: Now the third group, the Indira Gandhi group too has saved close to rupees six thousand. And all three groups have bank accounts. And small amounts less than Rs. 500 are given but for larger amounts we decide in the group and issue cheques right here in group meetings with the signatures of the two elected representatives.
Male Member (MI) describing the setting up and functioning of the two Women's Self Help Groups Gulabi and Kamala at Avenue Road
MI: In the first group we've selected Antonyamma and Dhanabhagya as signatories. In the second group Gulabi...
voice: Kamala
MI: Kamala we have Nazia and Arul as signatories. In the third we have celia and Muniamma. These two have been selected. Now where have we opened the bank account. We've opened the account at the Banashankari Mahila Cooperative Bank. Now we congregate every thursday and add our savings. Now loans from 500 to 2000 have been taken on this saved ammount.
Male Member (MI) describing the setting up and functioning of the two Women's Self Help Groups Gulabi and Kamala at Avenue Road
MI: Now for every 100 you've taken you've been returning it and for every week you pay an interest of 3 rupees. Now earlier you would be paying 200 rupees for every 1000. Earlier whom would you be paying this to, tell me?
Voice of woman member: Outside lenders
MI: yes, the outside lenders. And you would pay him 100 rupees every week. Now if we calculate what you were paying as interest you were paying 30%. But ever since you started this group you're paying only 2% as interest.
Male Member (MI) describing the setting up and functioning of the two Women's Self Help Groups Gulabi and Kamala at Avenue Road
Male Member (MI) describing the setting up and functioning of the two Women's Self Help Groups Gulabi and Kamala at Avenue Road
(Kannada)
MI: And the 2% interest also stays within the group. It doesn't go outside. Doesn't go to him. There's almost 1000 to 2000 interest that has been saved up and all of you can access that amount too.
(Tamil)
Voice of woman member: which means our money stays with us
(Kannada)
Male voice from behind: what is the mechanism of repayment. How regularly do they pay
MI:here say you pay one week and don't pay the other week. You come and say "i don't have any money" You say this to the group. But can you say this to the outside lender?
(Tamil)
Voice of woman member: No, we can't. If we do that it'll be very shameful. They don't let us get away with that.
MI: But here
(Tamil)
Voice of women members: Here if we have money then we pay but otherwise we don't
(Kannada)
MI: Here if you've taken a loan you know everybody's problems. If someone has gone through some difficulty in being able to pay back then you are able to tell this to the group and the group makes this adjustment but they?
If someone is born or dead at home it doesn't matter to them. You still have to pay their money back. But here? that's not there. So is this better or that?
Voice of women members: Of course this is better
Male Member (MI) describing the setting up and functioning of the two Women's Self Help Groups Gulabi and Kamala at Avenue Road
Avenue Road
chatter
small boy on floor (SB): johnny johnny
(Tamil)
Voice of woman member: louder, say it loudly
(English)
SB: Johnny johnny / yes papa /eating sugar / no papa / telling lies / no papa / open your mouth / ha ha ha
(Tamil)
male Voice: say it again
female voice: recite another one
SB: Twinkle twinkle little star..
Voice: how i wonder......... what you are
SB repeats after: How i wonder.........what you are
chatter
another boy: ok you tell now
boy in blue (BB) gets up and starts reciting: A, B, C
voice: go ask him to wear his uniform and come
BB: D, E, F, G
(continue till Z)
copyright infringement
Pad.ma requires JavaScript.
