Billing for your cosmetics shop and beauty parlour in Haryana
The loan month on the phone, one bill for each woman and the list for the bus trip.
Jagadhri's workshops and Sirsa's mandis: where the customers' families earn
A village shop and parlour lives on what the families around it earn. Two districts show where that comes from.
- Jagadhri, in Yamunanagar district, has many utensil and metalware makers (aluminium, steel, cookware) and plywood factories.
- Paddy piled up at the Sirsa mandis in early October 2026 as procurement lagged.
The loan month on the phone, each member's pick and the bus-trip list
Every day's sales to show the loan officer
The daily report keeps every day on its own line. When the officer asks about a month, you open the days and read them out. The instalment is not a worry, because you can see what came in before the date, and you can show him the same days again next month, and the month after, as the loan runs on.
Each member's pick on her own line, paid once by the treasurer
Make a bill for each member with only what she took, and let the treasurer pay for all of them together. The tin gets one payment, and the bills say which cream and which bangle belonged to which woman, so the group's money and each woman's share are both written.
The bus-trip list written from what ran low
Keep every cream, kajal and bangle box as an item with a low-stock mark. The night before the trip, open the list of what is running low, and that is the list you take. The bag carries what the shop needs, and the regular's kajal is in it.
A loan to repay, the group's meeting day and the bag she can carry home
A loan to repay every month, and no record of what the little shop earns
Many women start with a small shop, then add a chair and a parlour, and the money for each step comes from a self-help group or a bank loan. The instalment falls due every month. You know the shop is doing well, but when the loan officer asks what it earns in a month, you say a figure from memory and he writes it down with a question mark. The month's instalment and the month's earnings are never put side by side, so you cannot say whether the shop has a good month or only a busy one.
The self-help group meets in the shop, and the tin holds money that belongs to many
On the day the group meets, a dozen women from the village arrive together. They look at the creams and the bangles, pick one thing each, and the group's treasurer pays for all of it from the group's fund. At the end of the afternoon you have one payment and a dozen small sales, and nobody can say who took which cream.
The bus to the wholesale market goes once a month, and the bag is only so big
The kajal, the alta and the henna cones come from the wholesale market in town, and you go once a month by the village bus. If the list is wrong, the cream is in the bag and the kajal is not, and a regular asks for the kajal on the first day back.
What a village woman's shop and parlour in Haryana uses
Daily reports
Every day of the month kept on its own line, with the shop's goods and the parlour's services, ready to read out to the loan officer.
Bills on your phone
Each member's line with her cream and her bangles, and one payment from the group's treasurer set against all of them.
Low stock warnings
A warning for each cream and kajal running low, gathered into the list for the monthly bus trip.
Loans, groups and the parlour chair: what Haryana shop and parlour owners ask
The loan officer comes on a slow day. Can he still see the month's earnings?
Yes. Open the daily report and show the month's days one after another, the busy days with the slow ones. The slow day is one line among them, and the month's sum is what he asks about.
The group's treasurer pays for the month's picks on meeting day. Where do I write what is owed until then?
On a page in the treasurer's name. Each member's bill goes on it as she picks, and on meeting day you write what the treasurer pays, with the date.
I buy my jars on the monthly bus trip. When do I count a new jar in?
Put the new jars in the count on the evening you are back from the bus trip, so the shelf is true from that night. Count each kind of jar as its own item, so when the bag is unpacked you see at once which ones came and which did not.
A shop in Barara, and the mehendi stalls of Teej
A woman from Tandwal village opened a cosmetics shop in Barara with a self-help group loan, then a beauty parlour with a Rs 1 lakh Haryana Sarva Gramin Bank loan. The loan came first and the earnings had to follow, and the record of those earnings is what the next loan is built on.
At the Hariyali Teej celebration at Haryana Raj Bhavan on 27 July 2025, stalls offered mehendi and bangles beside swings for women and children. Teej is a season for henna, bangles and a fresh look, and a beauty counter feels it in the weeks before the day.