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Annapurna Baba Nilakantheswar Shg Group
In this Group: Basanti , Dukhi , Kabita , Kabita , Nirupama , Pratima , Pratima , Rambha , Satyabhama, Sukanti, Urmila , Urmila
In 2009, 12 women from Jagannathpur Patna village stepped out and decided to build a secured future for their family and formed a group named Annapurna Baba Nilakantheswar Self Help Group (named after Lord Shiva, who they believe will protect them). The members of Annapurna Baba Nilakantheswar Self Help Group are all women from the district of Khurda in Odisha, India. One of them is Mrs. Kabita, who was selected as their secretary. The lady in the red saree standing to the extreme left in the photo is Kabita.

Kabita is 35 years old and is staying with her husband and her 12-year-old son. Her husband has been involved in vegetable and paddy farming for a long time. She got the idea of doing vegetable cultivation from her husband, so she gathered some other women from her neighborhood and told them about her plan. They liked her idea and appreciated her. She took the leadership of the group and started to cultivate vegetables and sell them in her village. She took some land for lease and started vegetable cultivation on a small scale. She started with a limited supply of vegetables like tomatoes and potatoes and grew to sell more than seven varieties like brinjal (eggplant), cucumbers, beans, carrots, and radishes. She has developed a very good relationship with her customers in the village as she sells fresh and high-quality vegetables. She likes the fact that she can cater to the needs of the people in her village.

Now she has a new idea of doing sugarcane cultivation, for which she has requested a loan to utilize for the resources necessary to do sugarcane cultivation. A portion of the loan amount will help her to purchase sugarcane plants, fertilizers, and insecticides, and to cover operational expenses like labor charges.

Additional Information

Important note about this loan

Due to Indian government regulations, if you fund this loan, you will not be repaid for at least 3 years. This borrower will likely repay your loan much sooner than that, in which case, the Field Partner may re-loan your funds to help other local borrowers. We want you to be aware of this minimum 3-year waiting period and the associated risks before making a loan to Indian borrowers on Kiva. Learn More >

About People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About India

  • $4,000
    Average annual income
  • 161
    View loans »
    India Loans Fundraising
  • $5,194,825
    Funds lent in using Kiva
  • 55.3
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Annapurna Baba Nilakantheswar Shg Group's $5,425 loan helped a member to pay for resources like sugarcane plants, fertilizers, and insecticides for her sugarcane plantation.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 26, 2012
Aug 15, 2012
Currency Exchange Loss: