“I was very happy growing up, but we faced a lot of hardships,” Sarojini says. Growing up in Sri Lanka, her father used to travel to India on business, and one day he never returned. Her mother struggled to make ends meet with her four children. The family was so desperate for food that when the neighbours gave them rice gruel to wash their clothes with, they ate it.
“It is better if there are women working in the banks, they understand us better.”— Sarojini
Later, when Sarojini was married with three children, her husband had an accident which left him in a coma for four months. It was a period of great despair for Sarojini. She was so desperate for money that she pawned her house and jewellery. She spiralled into debt and was unable to repay her lenders, in the end she lost the property and was forced to move.
When her husband started to recover, he helped her to come up with a new business idea. At the time he was a driver transporting coconuts, where he saw how coconut chips are produced.
The couple secured a charitable grant for a coconut chip making machine, but also needed further funds to run, maintain and house the machine. Sarojini’s family and friends discouraged her from taking out a loan without security, but she wouldn’t give up on her business vision. “I went to six or seven different banks, one after the other, requesting a loan. First of all, they asked for assets or a property and two guarantors, but I didn’t have that. When I tried to deal with male bank managers they couldn’t understand what I had been through and I wasn’t comfortable openly discussing our poverty with them. They would casually say to me ‘amma (ma’am) we aren’t giving out any more loans’,” she recalls.
“I want to provide jobs for more unemployed people and make them feel proud.”— Sarojini
Sarojini didn’t have an income for nearly five months, she was frustrated and almost gave up. “But I thought I should try this one last bank,” she says and continues: “I went without any hope of getting a loan. But it turned out that the bank manager was a woman, she could clearly see that I was a real business woman, employing other women and running a good business. So, I got the loan I needed! It is better if there are women working in the banks, they understand us better.”
Sarojini used the loan to purchase more coconut husks and built a temporary shed to house her machinery. Thanks to training, support and further funding from CARE and its partner Chrysalis, Sarojini has now been able to build a permanent structure from which she now runs her business.
Her business continues to grow, and she now employs seven other women who, like her, have faced significant challenges in their lives. Sarojini’s own children are also helping with the business. She is not only able to support her own family but is now enabling other women to work so that they can feed and educate their own children.
Her ambition is to expand the business into making end-products from the coconut chips so that she can employ more women from her community. She adds: “My wish is that my business remains stable and sustainable. I want my employees to grow in confidence and I want to provide jobs for more unemployed people and make them feel proud.”
Sarojini’s concluding advice to the banks is clear: “Employ more women.”
About the program
Donor: H&M Foundation
Program: H&M Foundation’s Global Program for Equality with CARE
Project time: 2014 – 2017 (phase 1) and 2017 – 2020 (phase 2)
Total donation: 120 million Swedish Kronor