The Power of Small Capital: The Story of Entrepreneur Neymra Marma

Through the provision of small financial support to rural families reliant on diverse livelihoods, IDF has facilitated the augmentation of their income streams, fostering an environment conducive to investment and expansion through their innate talents and diligent efforts. Persistently committed to uplifting the socioeconomic status of underserved communities, IDF continues to extend vital financial assistance, empowering countless individuals to transcend the confines of poverty and effect transformative changes in their lives. Safiul Bashar, the branch manager of Khagrachari branch has documented the successful initiative undertaken by one of its members.

The success story of “Swapnachura” symbolizes the remarkable achievement of a dedicated woman characterized by her unwavering self-confidence and perseverance.

Neymra Marma is a successful entrepreneur from Rajyamoni Para in Khagrachari. After experiencing the disappointment of not passing her higher secondary examination, she felt disheartened. However, rather than succumbing to despair, she channeled her frustration into a determination to become an entrepreneur. With a modest capital of only 10,000 rupees, Neymra pondered how to establish herself. Inspired by the picturesque landscape of Khagrachari, renowned for its scenic beauty and attracting thousands of tourists annually, she decided to venture into the restaurant business. Neymra, who possessed a talent for cooking and a passion for it, envisioned opening a safe food restaurant. She shared her aspirations with her elder sister, who wholeheartedly supported her initiative. Despite facing the obstacle of insufficient capital, Neymra’s sister, Rabai Marmar Paramshe, took proactive steps to address the challenge. She enrolled in Agricultural Research Center No. 13 of IDF Khagrachari branch, where she received 

comprehensive group training. Utilizing a 15,000 taka loan and 10,000 taka from his own savings, Neymra acquired six chairs and one table. With a small room rented in the vicinity of Rajya Moni Para Women’s College, Neymra embarked on her entrepreneurial journey, opening her restaurant. Over the course of seven years, through Neymra’s tireless dedication and unwavering determination to fulfill her dreams, the restaurant expanded significantly. Today, Neymra, the resilient hill woman, earns between 40,000 and 50,000 taka per month, a testament to her hard work and entrepreneurial spirit.

After being admitted to IDF in 2015, Neymra took out loans of Rs. 15,000/-, 30,000/-, 40,000/-, 50,000/-, and 1,00,000/- respectively. Neymra’s restaurant, nestled next to Khagrachari Government Women’s College, bears the name “Swapnachura”. Inspired by the aspiration of women to achieve their dreams despite societal barriers, Neymra chose this name for her restaurant. Currently, Swapnachura operates in two rooms crafted from bamboo and wood, reminiscent of traditional hill architecture. One room resembles a typical hill house, while the other is adorned with trees and cane lampshades. In front of the restaurant, a beautiful flower plant adds to the ambiance, complemented by various rides, including swings for children.

Neymra Marma is the youngest of seven siblings. All of her family members are employed. She shared that initially, her family did not support her entrepreneurial endeavors, but witnessing her success has led to their encouragement in her business ventures. Neymra elaborated on the restaurant’s growth, mentioning its expansion in 2020 due to business success and increased customer demand. Currently, she has availed a loan of 1 lakh rupees from IDF, combined with her own savings, to secure a space dating back to the 10th century, requiring a security deposit of 7 lakh rupees. The restaurant employs 12 individuals, among whom seven are balancing their studies with work, and nine are women. Offering both Bengali and Pahari traditional cuisine, the restaurant’s menu includes various breakfast, dessert, and beverage options.

Neymra stated that even after covering employee salaries and the restaurant’s rent of 10,000 taka, she earns between 40,000 and 50,000 taka per month. She expresses her desire to further expand the business. With gratitude, Neymra fondly recalls the pivotal role IDF played in her current social standing and success, expressing deep appreciation and love for the organization.