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Niru
This is 39-year-old Niru. She is married and has three children ages 23, 21 and 17.

In 2001, she established her cow raising business. Working seven days a week and five hours a day, she supports her family.

She has already received and successfully repaid five loans from Patan BPW. She used her most recent loan to buy a young milk-giving cow.

In the future, Niru plans to uplift the economic condition of her family. She thanks you for your support.

Dairy cows are an important source of nutrition and income in Nepal. Cows are never raised for beef, but for their milk, from which curd (duy) and fresh cheese (paneer) are made. Jersey cows are the preferred breed for milking. On average, a dairy cow in Nepal will produce about 10 liters of milk each day. In the local market, a liter of milk sells for about USD .50.

In addition to producing milk, cows provide dung that is used in home construction and as fuel for fires. It can also be captured in methane storage tanks. The purchase of a dairy cow, made possible through a Kiva loan, is an investment that will repay itself many times over.

This loan was administered by Kiva's local partner microfinance institution, Patan Business and Professional Women. Patan BPW became Kiva's first field partner in Nepal in 2007. Patan BPW operates throughout the Kathmandu Valley, offering microcredit and business training programs to low-income women. In addition to providing economic opportunity to their clients, Patan BPW seeks to empower Nepali women within the home and community. For more information about Patan BPW, visit our partner page and keep an eye out for new loans and borrower updates: BPW Partner Page Join our lending team: BPW Lending Team.

Additional Information

About BPW Patan

This loan was administered by Kiva's Field Partner, Patan Business and Professional Women. BPW Patan became Kiva's first Field Partner in Nepal in 2007. BPW Patan is continuing to operate after the serious earthquake which took place in Nepal in April 2015. Given the difficult circumstances borrowers and partners face post-natural disasters, these loans may therefore carry additional risk. BPW Patan operates throughout the Kathmandu Valley, offering microcredit, business training, and literacy classes to low-income women in both urban and rural areas. BPW Patan uses a group lending methodology, which not only allows women without collateral to access finance, but also provides members with a valuable support system. In addition to providing economic opportunities to its clients, BPW Patan seeks to empower Nepali women within their homes and communities. For more information about BPW Patan, visit the BPW Patan Partner Page and keep an eye out for new loans and borrower updates. Also, please consider joining the BPW Patan Lending Team to show your support.

About Nepal

  • $2,400
    Average annual income
  • 0
    View loans »
    Nepal Loans Fundraising
  • $487,450
    Funds lent in using Kiva
  • 72.4
    Nepal Rupees (NPR) = $1 USD