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Manjari is 32-year-old divorced lady who lives with her parents and her two daughters aged five and seven. Both of them are going to school. She runs a snacks business. She cooks the snacks at home and her father roams on his bicycle on the busy streets of the market and door to door to sell the snacks.

She goes to sleep at 10 p.m. at night, wakes up early in the morning at one a.m. every day to cook snacks like samosas (fried dough stuffed with potato curry), idli, wada etc. and sweets like jalebi till 6 a.m., when her father leaves the house with these snacks and roams, selling them, till 5:00 in the evening. She sells a small portion of the snacks at her house as well. During the day she rests for two hours and then starts making leaf plates woven out of dry leaves at her house. These are used as plates in which they can sell their snacks. She earns 4000 Indian Rupees (INR) per month.

Manjari has applied for a loan of 25,000 INR to purchase raw materials like wheat, spices, cooking oil, besan (gram flour), maida (finely milled and refined wheat flour) etc. in bulk, as well as utensils for cooking. She also wants to buy some furniture like wooden benches to seat her customers at the house. She wants to make more as her father says that he can sell more in the busier streets of the market. She can increase her revenues by 50%, earning 5500 to 6000 INR per month. This will help her to save enough to send her daughters to school. She hopes to make enough to have a shop in the market where she can make and sell these snacks instantly. She says this will make their lives easier and give her enough time to spend with her kids as she need not wake up at midnight to cook and her father need not roam on a bicycle.

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
  • 171
    View loans »
    India Loans Fundraising
  • $5,194,075
    Funds lent in using Kiva
  • 55.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $475 helped Manjari to buy wooden benches and raw materials like wheat, spices, cooking oil, flour, and utensils for cooking for her snacks shop.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 27, 2012
Aug 15, 2012
Currency Exchange Loss: