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Ashma is a 21-year-old unmarried physically challenged woman. She is a determined individual who works hard to support her family's basic needs and brother's education. She lives with her parents and her younger brother. She owns a variety store at her house and sells cosmetics, shampoos, soaps, bangles etc. through this shop earning 10,000 Indian Rupees (INR) per month.

She requested a loan of 20,000 INR to buy more cosmetics and bangles, things that she is already selling, and also some additional products like detergents, chocolates, wafers and stationery items. She hopes to increase her business to give her family a better quality of life and send her younger brother to a good school.

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
  • 125
    View loans »
    India Loans Fundraising
  • $5,421,200
    Funds lent in using Kiva
  • 55.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $375 helped Ashma to buy cosmetics, bangles, shampoos, detergents, chocolates, wafers and stationery items for her store.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 26, 2012
Aug 15, 2012
Currency Exchange Loss: