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Ganesh is a 22-year-old unmarried man living with his parents and a younger brother aged 19. His father is ill and his brother is studying, so his earnings are the only source of income in the family. He owns a small grocery store at his house where he sells detergents, shampoos, spices, toffees, wafers and oil, earning 5,000 Indian Rupees (INR) per month.

Ganesh has been working hard to take care of his sick father and send his brother to college. He does not want his brother to drop out of college for financial reasons. He wants to ensure that he earns enough to save enough to send his brother to college and see him get a good government job.

He has requested a loan of 20,000 INR to purchase a refrigerator to sell soft drinks and water. With the remaining amount he plans to buy more stock and a variety of spices, oil, personal care merchandise like shampoos, detergents, and toothpaste, which he is selling right now. He also wants to add more varieties of chocolates and wafers.

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
  • 26
    View loans »
    India Loans Fundraising
  • $5,655,475
    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 Ganesh to buy a refrigerator, spices, oil, shampoos, detergents, and toothpaste for his grocery shop.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 27, 2012
Aug 15, 2012
Currency Exchange Loss: