Project story

Mother Theresa’s members are smallholder households where farm money and family money are the same pot. When the cane needs replanting, or the harvest trash needs clearing, the cash comes out of the same purse that pays the groceries. So the woman ratoons an exhausted field one more season and burns the trash to save a day's labour. Both are cheaper today; both are worse for the soil; both are made under financial pressure, not out of ignorance. She already knows the better way. She just can't afford at critical moments, when school fees, tax season, and hospital bills are also due.

Our Mission Together with Nila we noticed that short duration, low rate loans can nudge members at critical moments into making the regenerative choice on a sugarcane plot (lets call it soil care and chemical free). Replanting on time, leaving the trash as mulch — fails, not because women don't know it, but because its cost lands on the family. We finance the farm decision separately, so the household stops paying for it.

What We've Proven With Nila, Mother Theresa has run three full sugarcane seasons with 60 women smallholders, deploying this year (2026) about ₹7.5 lakh in credit at ~12% — against the 36–75% they would pay to informal lenders — with 100% repayment. A quarter of the lending capital now comes from the union members themselves.

Where This Campaign Comes In Nila's finance model works but to further reduce ratooning sugarcane and encourage mulching, we needed a stable source of seedlings. Currently, farmers either dedicate land themselves (which requires preplanning and part loss of the previous yield (single-bud setts), or they get seedlings from family.

Mother Theresa has a plan to build a shared nursery that supplies clean planting material to every member, and the move from burning to mulching across all our fields. These are shared, one-time investments in the common ground between our plots, not a per-season cost one borrower can shoulder. That is the only thing this campaign funds — the nursery and the mulch shift. The lending rail keeps running underneath; this grant builds the shared infrastructure on top of it.

What This Campaign Funds A shaded, water-equipped community nursery for sugarcane, run by the SHG, using the bud-chip method — single buds chipped from the cane and raised into seedlings, then transplanted. It does two regenerative things, both measured:

• Stops the over-ratooning. The nursery raises healthy, uniform planting material on site, so a woman replants on time instead of squeezing a fourth ratoon from an exhausted stand — the single biggest cause of soil and yield decline here (~40% yield loss). Replanting on schedule lets the soil recover between cycles. Because bud chip uses only the bud, the rest of each stalk goes to income instead of being buried as seed cane.

• Turns trash into mulch. With shared seedlings and labour organised through the nursery, cane trash stays on the field as mulch instead of being burned to clear ground fast. Carbon and moisture stay in the soil; children stop breathing the burn smoke.

How It Works — Splitting Household and Business Finance The nursery only changes behaviour because of the finance underneath it. A small business loan — secured against the woman's satellite-verified future harvest, not her child's school fee — pays for the bud-chip seedlings and the mulching labour. The cost moves off the family budget and onto the harvest it will produce. Her household finance — school fees, food, medicine — stays untouched. Once business finance carries the farm decision, the regenerative choice is simply the one she'd have made anyway.

Measuring the Soil We take a verified soil organic carbon (SOC) baseline this season through on-the-ground sampling, paired with our satellite layer tracking ground cover plot by plot, and measure change against that baseline each cycle. "Healthier soil" becomes a number we can show donors, not a claim.

Your contribution builds:

• The sugarcane bud-chip nursery — shade structure, water, raised beds: ~$4,500

• The first batch of bud-chip seedlings: ~$2,500

• The SOC baseline and mulch-management setup: ~$2,000

Total ask: ~$9,000 — every dollar a physical regenerative asset, not operating cost.