| 58 Annual Report | 2024-2025 Madligere Renuka, Haranappali, Karnataka “Thanks to Arohan, I was able to take a step toward building a better future for my family. With the loan of INR 59,000, I purchased a cow and started a small dairy business alongside our farming. The ArohanPrivilege platform made the loan process fast and simple—it took just about an hour and a half from document upload to receiving the money. Now, with the support of my husband, our business brings in a monthly profit of INR 20,000 to INR 30,000. I feel confident and hopeful. Our family now dreams bigger, and we know we have a trusted partner in Arohan to help us grow.” Madligere Renuka is a determined woman from Haranappali, Karnataka. Originally from Madligere, she leads a quiet but hardworking life with her husband and two children—a son and a daughter. Having studied up to Class XII with a background in farming, Renuka balances the responsibilities of a homemaker while managing their land where they grow vegetables, corn, and ragi. Alongside, she nurtures a dream—one rooted in dairy farming. Renuka and her husband had the skills and motivation to start a dairy business but lacked the financial means to purchase livestock. They had previously taken a loan from Dharmasthala Sangha, but needed further capital to grow. Encouraged by positive feedback from neighbors, Renuka approached Arohan and became a customer in 2024. Having maintained a good credit history, Renuka received an individual loan of INR 59,000 through ArohanPrivilege, to purchase a cow. The loan application and disbursement process, supported by ArohanPrivilege, was smooth and efficient—completed in just 1 hour and 30 minutes. The loan helped Renuka and her husband successfully grow their dairy business. They now earn a monthly profit ranging between INR 20,000 to INR 30,000, which has strengthened their household income and added stability to their lives. Renuka feels more confident and positive about her role in the family and community. Though she describes her status in society simply as “good,” the business has laid a strong foundation for their future goals. Renuka’s journey reflects the real impact microfinance can have in empowering rural women entrepreneurs. With minimal resources and the right support, she turned an idea into income and a dream into a goal. Arohan’s role has been vital—not just in financing, but in fuelling confidence, independence, and long-term vision. Management Discussion & Analysis
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