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Bharati is a 38-year-old unmarried woman living with her brother. Her brother is married and has two children. She is a graduate and tutors some of the school-going children from her village in her house. She does not want to be a burden for her brother and wants to earn enough to be independent.

Bharati wants to start a rice business in her village. She plans to purchase rice in the unprocessed form directly from the farmers and process the raw paddy grains to rice. She will go to the mill (processing house) which is very close to her house to get the processed rice grains. She plans to sell the processed rice in the village market. Her brother will help her in this business.

Bharati has requested a loan of 40,000 Indian Rupees (INR) to purchase the unprocessed paddy grains. She also plans to spend a portion of her loan to build a warehouse to store the unprocessed paddy grains and processed rice product. She hopes to build a house of her own from the earnings of this business.

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
  • 174
    View loans »
    India Loans Fundraising
  • $5,192,575
    Funds lent in using Kiva
  • 55.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $725 helped Bharati to buy unprocessed rice grains and to build a warehouse for storing them.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 27, 2012
Aug 15, 2012
Currency Exchange Loss: