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Mili is a 25-year-old differently-abled girl staying with her parents and her younger brother and sister. Her father, Jugal, is a contractor who takes small orders for building village roads. He supports his family by doing this work.

Having a very independent personality, Mili does not want to depend on her father and wants to have her own source of income. She knows that her father will not always be there to support her. As a physically challenged person, it is not possible for her to do hard labor. So she got trained in making incense sticks. Currently, she is involved in an incense stick business where she makes them at home and sells them to a nearby shop in the village, earning 200 Indian Rupees (INR) per month.

She plans to start a ladies novelty corner of her own in the nearby market in the village. She will sell ladies' cosmetics, hair oil, shampoo, body talc, body deodorant, and incense sticks as well. She requires a loan of 30,000 INR to set up a shop of her own and make her dreams of making a living for herself come true.

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.

About India

  • $4,000
    Average annual income
  • 127
    View loans »
    India Loans Fundraising
  • $5,419,525
    Funds lent in using Kiva
  • 55.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $550 helped Mili to pay for setting up a ladies novelty store and purchasing stock like cosmetics, hair oil, shampoo, body talc, body deodorant, and incense sticks.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 26, 2012
Aug 15, 2012
Currency Exchange Loss: