Over 37 years we have impacted the lives of many families and individuals that have spanned across generations. Of the hundreds of thousands of  life transformations that we have witnessed and played a part in, listed below is a handful  of  inspiring testimonials.


Harsha who is married to Hamal and having four children had big dream in her life like any other ordinary women.  The family is in Ramapuram, Nalgonda District of Andhra Pradesh.  Earlier the couple were depending on their meager income earned out of daily wage to feed their children and maintain their family.

As the daily wage was not regular and the income is meager, they could not educate their children.  Harsha is a hard worker.  She has a passion to lift her family out of poverty.  She joined the local Self-help group which is involved in savings and credit.  With the support and guidance of the SHG members, she decided to start vegetable vending to earn a regular income.

At this moment TBF assisted her in getting the required initial working capital of Rs.5000/- as loan.  Harsha started her vegetable business at Naradcharla market in the neighbouring town.  Her business picked up well and she started earning a regular income of about Rs.50 per day.  With the earned income she repaid the borrowed amount and took a second loan of Rs.10000/- to expand her business.  With the additional investment, she is now earning about Rs.130/- per day.  Her hard work, her business acumen and assistance from TBF helped her dreams come true.  Now, she has plans to open vegetable vending in strategic locations to be run by her family members.


Rukmani and her husband Narashimha Shetty are from Gulburgha.  They migrated to Bangalore with their three daughters in search of livelihood.  The family found a place in one of the Lingarapuram slum areas to stay.  With no means to earn their livelihood, the family borrowed from a local moneylender a small amount to start their business of selling snacks.

Rukmani observed that most of their hard earned money is paid towards interest as the moneylender was charging exorbitantly.  On account of the more payout towards interest, the family needs could not be met fully.  She was grabbling with the difficulties of life.

During this time she came in contact with TBF through her Self-help Group and approached TBF for assistance to get a loan of Rs.10000/-.  Rukmani was very happy to access the credit at her doorstep and at a reasonable rate of interest.  She expanded her business with the loan and on account this her income increased from Rs.45/- to Rs.125/- per day.  The whole family is very happy as the assistance has increased their dignity and self-worth.



Penchalamma is married to Penchallaiah.  They have four children.  The family resides at Channareddipalli, an outskirt of Nellore city.  The family found it difficult to meet their basic needs, as they were working as daily wage laborers and earn a very meager income.

Penchalamma is a hardworking and entrepreneurial women.  She is the member of the local Self-help Group promoted by  Nellore Social Service Society. When TBF was assisting the SHG members in the area of micro enterprise, she put an application for a loan of Rs.6000/- towards working capital to produce charcoal.  She has lot of experience in producing charcoal with locally available woods as she was working as daily wage labourer in such units.

Even though she wanted to start her own unit, she was unable to do so for want of working capital.  TBF helped her to realize her desire by assisting her to get a loan Rs.6000/-.  Penchalamma is very happy and thankful.  Now, she is a proud owner of her own unit and earns about Rs.2000 per month on an average.



DETERMINATION was the buzzword in Petchiammal’s family. Petchiammal, Pitchai and their three children lived in Therkutheru, near Melur town in Tamil Nadu. The only source of income for Petchiammal’s family was a small eatery, which brought them Rs 1500 per month, which barely met their basic needs. The family struggled to survive. They were willing to work. One of their girls picked up the art of wire bag making and this was the beginning. With a loan from The Bridge Foundation they were able to buy raw materials from the whole sale market at a rock bottom price, giving them the advantage of a bigger profit margin.

Their elder daughter knew that she could capitalize on her talent of wire bag making. Soon she taught her entire family, equipping them with the art. The family produced two bags per day and sold it on a cash and carry basis at Rs 70 per bag. The demand for these bags grew in Melur town. Shopkeepers began placing orders and Petchiammal’s daughter had to work day and night to produce three bags. On a weekly basis they produced 15 bags, which the retailers purchased.

The total manufacturing cost of the bags was Rs 2,700 and the bags were sold for Rs 4200. Petchiammal’s family comfortably repaid their loan at Rs 330 per month and was still able to contribute Rs 1,170 to the family income. Petchiammal’s daughters and the entire family know what it means to get results when there is a united effort.The three children attend adult education training program, learning to read and write. Their income now touches Rs 5000 a month. They have taken another loan of Rs 10,000. They have trained three girls from three other families, creating jobs and setting up a home-based industry. This is one girl’s determination and planning of an entire family’s future.


Sita Behera

“GOD gives vision-The Bridge Foundation fulfills dreams”. Sita Behera, 35 years of age, lives with Chandramani and four school going children. This was a family identified among the poorest of the poor and marginalised. Chandramani was an agricultural labourer, his work schedule was sporadic and when there was no work, there was no food. The entire family bore the suffering patiently, but Sita Behera had the confidence that one day, her dream of a better life would be fulfilled.

She borrowed Rs 1000 from the savings and credit of her Self-Help Group. She used this to make a fishing net. In the meantime The Bridge Foundation’s influence was growing in Bhusandpur village. She decided to approach The Bridge Foundation for a Micro Enterprise Development loan. Sita Behera’s dream came through when she was sanctioned a loan of Rs 4000. She spent Rs 1000 on raw materials, employed three women to assist her in the task. The four women laboured for 15 days and produced one big net, which was specifically required for deep-sea fishing with trawlers. Sita sold this net for Rs 12,000. She paid a wage of Rs 1000 to each of her helpers. Her net profit at the end of the 15 days period was Rs 8000.Wisely she set aside Rs 4000 for her family expenditure and along with a second loan of Rs 10,000 plus her profit of Rs 4,000 she purchased a fishing net manufacturing unit. People were in need of smaller fishing nets because there was demand for fishing in lakes,as the government had opened the lakes to small time fisherman. She now produces 8 nets a month. Her raw material investment being Rs 250 per net, Her turnover is Rs 8000 per month.In her own words – ” My children continue their studies in English medium schools. We have bought a small deep freezer which is hired out to other fishermen, who need to store their catch, until it is collected for sale in the local town.” She now has two sources of income. Thanks to The Bridge Foundation for the second loan to buy the freezer.


“I am a talented woman, who makes tasty dosas” says Hussainbee, who has a family of five members. Her greatest need- Microloan. Unaware of the existence of The Bridge Foundation she approached the local moneylender. They needed security and the only security she could give was her ornaments. “I pawned my ornaments to get a loan of Rs 6000 and setup my small eatery and tea stall”. The rate of interest was 36% and even though business was good the moneylender was siphoning all the profits and at the end of the day the principal borrowed remained unchanged.

At the initiative of The Bridge Foundation, Hussainbee was sanctioned a loan of Rs.6000 with which she purchased an electric wet grinder. It serves two purposes. The housewives in the neighbourhood head towards Hussainbee’s home to get their rice pancake batter ground in the machine. She also grinds her own mix with her newly acquired machine. This has improved the quality of her dosas and thereby resulting in higher sales and at the same time maintaining a low cost.

Her income through sale of dosas increased from Rs.30 to Rs 60 per day. The additional income from the grinding machine brought in Rs. 40 raising her overall income to Rs. 100 per day. Hussainbee and her family live comfortably at Rs 3000 per month.The economic transformation has enabled her to renovate her entire house, retain a small portion for her work and set up eight tables and chairs to serve her customers. She now uses a kerosene stove to prepare her dosas. Her output has increased and she is able to sell and service her customers faster.


ANSAMMA a housewife and her husband Joseph a glass technician with two children, living in Alleppy district, were just able to make both ends meet. An accident leaves Joseph deaf and jobless and the entire community watches as Ansamma’s family falls into a state of misery and depression. In her words – “We thought of committing suicide many times. I cursed God for the tragic fate He had inflicted on us.” Ansamma had given up hope because all was gone.

An introduction to The Bridge Foundation brings her opportunity. She takes a loan of Rs 9600 to start a milk distribution agency for MILMA. The community decided to support her and everyone consciously purchases their daily milk supply from her. Her sale commenced with 300 packets a day.Her innovative idea to introduce milk products such as yogurt added value to her venture. She bought rice and other condiments, ground it and sold it at a profit. Slowly but steadily, Ansamma gained confidence and this strengthened her ability to work hard.Milma, the milk distribution agency was her first step towards progress. After facing traumatic and depressing days of hunger, The Bridge Foundation loan brought about a change. Selling 300 packets of milk, 5 litres of yogurt and a variety of flour, spice powders and daily consumables, Joseph and Ansamma are looking at brighter days. She was now earning Rs 150 per day, giving her a total turnover of Rs 4500 per month. Her commitment to repay the loan, established her credibility with TBF. The Self-Help Group members visibly saw transformation in this family. Children were back in school, medical attention for the entire family was possible and Ansamma now has insurance for the entire family. She is also taking TBF’s Vidya Yojana at Rs 125 per month for her child.The village community has a story to tell to everyone who visits them – it is one of rags to riches. To those depressed and battered women who dwell in self-pity, Ansamma’s family is the example of hope.

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