St. Milagres Credit Souhardha Co-operative Society Ltd., Karwar, was born out of a vision to bring financial dignity to the poor and needy. Our journey began with Mr. George Fernandes, Founder & Managing Director, who lived in Mallapur between 1993–2007. In the early 1990s, the Kaiga Nuclear Power Plant and Kadra Power Station brought rapid development to the region. Yet, many villagers remained illiterate and financially vulnerable—exploited by moneylenders charging exorbitant interest. Determined to change this, Mr. Fernandes laid the foundation of St. Milagres Credit Co-operative Society on 14th September 2003. What began as a humble initiative soon became a people’s movement.