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Pramila is a 41-year-old widow living with her two sons in the state of Odisha, India. Her younger son is in school and her elder one is a driver. Her elder son had to drop out of school to share the burden of the family with his mother.

She runs a rice shop at her house on a small scale. Her monthly income from this business is 4000 Indian Rupees (INR). She says there is huge demand in her village as almost 50 families in the village buy rice from her and she sees a business opportunity in this demand. But she is not able to meet this demand due to a lack of stock, especially during the monsoon season when there is less supply available in the market. She wants to increase her stock of rice and her customer outreach to meet the demand especially during the monsoon season when she can get a better price. She wants to move her shop out of her house and have it in the market close to her house where she can get more customers.

She has applied for a loan of 30,000 INR to rent a shop in a busy corner of the market and to stock up on more rice bags. She hopes that her younger son continues his education and becomes a good engineer.

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
  • 62
    View loans »
    India Loans Fundraising
  • $5,657,350
    Funds lent in using Kiva
  • 55.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $550 helped Pramila to rent a shop in a busy corner of the market and to buy more rice.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 27, 2012
Aug 15, 2012
Currency Exchange Loss: