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Rama
Rama is 45 years old. She is married and has three children aged 22, 15, and 9. In 2003, she established her cow-raising business. Working seven days per week and five hours per day, she supports her family.

She has already received and successfully repaid two loans from Patan BPW and used her most recent loan to buy a young milk-giving cow. In the future, Rama 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 $0.50. In addition to producing milk, cows provide dung that is used in home construction, as fuel for fires, and can be used to capture methane in storage tanks.

The purchase of a dairy cow, made possible through a Kiva loan, is an investment that will repay itself many times over.

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
  • 79.9
    Nepal Rupees (NPR) = $1 USD