Nanded Marathwada Janadhar Urban Nidhi Limited

We are located at B.M. Narwade’s place, over at Feeder No. F2 in the Hingoli district area. It’s registered under Parbhani but we are really out here near Hingoli. It is a bit of a specific location, but the locals know where the feeder is. We run a Nidhi company here, focusing on helping the people in this part of Marathwada. The office is humble. It’s basically a room with the necessary files and a couple of chairs. We don't have a big staff. It is just a few of us making sure the members' money is handled right. The area is mostly agricultural, so the business follows the rhythm of the seasons. When people have a little extra, they come to save. When things are tight, they come to see about a loan. We do a lot of writing in ledgers and checking IDs. It’s a very manual process sometimes. There is no air conditioning, just the windows and a fan. We talk to people in the local language and keep things as simple as possible. Dealing with financial stuff can be scary for some, so we try to be patient and go through everything twice. It is a small office with a lot of responsibility. We aren't part of some big chain. We are just local people working for the community in Hingoli and the surrounding Marathwada region. It’s plain, hard work every day and we stay until everything is sorted. We've been at this for a while and don't see that changing.