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Lingaraj is a 60-year-old physically challenged person living with his wife and a 24-year-old son who is deaf. He sells popular Indian street snacks like jhalmuri (prepared from mixing puffed rice, boiled potato, tomato, sprouts, onion, red chili powder, and salt). He roams around on his tricycle on the busy streets of the market selling it. He spends seven to eight hours roaming on his tricycle to sell and make enough to feed his family. His son does not have a regular job and is a mason who works whenever he gets work from construction projects going on in the village.

Lingaraj now wants to open a shop in a good location in the market to run his snacks business. He says that it will make his life easier as he does not need to roam on his tricycle all day to make his living. He also wants to sell more of what he is selling with the help of his son. This way he feels that his son can earn a regular income and also share the burden of the family.

He has requested a loan of 15,000 Indian Rupee (INR) for setting up a shop where he can sell jhalmuri sitting at one place and for purchasing more stock of what he sells. He has a dream to make a concrete house and replace his mud house.

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
  • 36
    View loans »
    India Loans Fundraising
  • $5,640,525
    Funds lent in using Kiva
  • 55.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $275 helped Lingaraj to buy raw ingredients and set up a shop where he can sell jhalmuri (an Indian snack food).
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 27, 2012
Aug 15, 2012
Currency Exchange Loss: