In an inspiring example of women empowerment and self-reliance, a group of tribal women in Mathalamba village of Odisha’s Koraput district has transformed small monthly savings into a trusted financial support system worth nearly Rs 70,000.

What began with a modest contribution of just Rs 10 has now evolved into a powerful community-driven initiative called ‘Nari Samaj’, which has become the village’s own ‘mini bank’. Through unity, determination and collective effort, the women have created a grassroots model that operates without government aid or support from large banking institutions.

Located nearly 100 kilometres away from urban centres and situated in the foothills of Deomali, Odisha’s highest peak, Mathalamba village lacks modern infrastructure. There are no formal banking facilities, computers or security systems. Yet, under the open sky, tribal women gather around a small steel box that serves as the treasury of their community fund.

For the past eight years, every woman in the village has been contributing at least Rs 10 from her earnings each month. Women themselves manage all operations of the fund, taking on responsibilities as both cashiers and managers despite having limited exposure to formal banking systems.

Over time, the collective savings have grown into a major support system for the village. The fund provides financial assistance during emergencies, helping families purchase seeds for farming, pay school fees for children, and meet urgent medical expenses.

“The bank was far away, and we had to walk long distances as there were no vehicles available. We faced many difficulties during that time. However, after forming the Nari Samaj, we got significant relief and support,” said Kunita Tadingi, a villager.

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“By collecting just Rs 10 from each woman, we have managed to save a significant amount of money. We also provide financial support to people in times of need, especially for medical emergencies and other urgent situations,” said another woman from the village.

Initially, the initiative received little attention from men in the village, who were sceptical about its impact. However, the success of the women-led effort has gradually earned widespread appreciation and recognition.

Amid continuing concerns over development and regional issues in the Kotia border area, the women of Mathalamba chose not to wait for outside support. Instead, they took charge of their own future through unity and determination.

The women behind ‘Nari Samaj’ have demonstrated that even the smallest contribution can bring extraordinary change when backed by collective resolve. 

“The total savings have now grown to around Rs 70,000–80,000, and people are receiving loans from this fund. Earlier, we faced many difficulties in obtaining loans from outside institutions, as they required numerous documents and paperwork. However, through our village group, loans are now easily available without the need for any documents,” said a local youth.

“In times of difficulty, we can receive loans ranging from Rs 10,000 to Rs 12,000. The loan amount needs to be repaid within one to two years,” said a local resident.