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Budhiram is a 25-year-old differently able person. He is living with his parents and his younger brother, age 23.

He is pursuing a Bachelor's degree in Arts. Along with this he is doing seasonal business like vegetables and non-timber forest products such as mahua. He has four years of experience in this field. In this way, he earns 2,000 to 2,500 INR in a month.

He has planned to start a fertilizer shop in the village. There is no fertilizer shop near his village and people go to a market nine kilometers away for purchasing fertilizers. The main occupation of the village people is agriculture, so he says a fertilizer business is a suitable business for him. He says that he can earn 4,000 to 5,000 INR per month by selling fertilizers in his shop and make his family happy.

He has requested a loan of 30,000 INR to start a fertilizer shop in his village. He has good knowledge in this business and he has a good relationship with the villagers. He hopes to purchase a bike, so that he can travel easily and grow his 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
  • 119
    View loans »
    India Loans Fundraising
  • $5,425,550
    Funds lent in using Kiva
  • 55.7
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $550 helped Budhiram to pay for fertilizers and vegetables for his shop.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Aug 31, 2012
Sep 10, 2012
Currency Exchange Loss: