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Matrushakti Group
In this Group: Sumati, Santi, Ghame, Jayantidei
Sumati is a married woman of 38 years who lives in a remote rural village named Torli in the Nuapada district in Odisha, India. The prime income source of that locality is cultivation. This village is far away from education, sanitation, advanced facilities, etc.

The lady standing second from left in the pink sari with raised hand is Sumati. She lives with five family members consisting of her husband; two sons, aged 15 and 13; and one daughter, 5 years of age. Her children are continuing study in school. She is a very kind-hearted person, hardworking and enthusiastic, who always devotes her efforts to getting her family ahead.

For 13 years, Sumati has been running a general grocery shop. Initially, she started the business in a low profile with limited items like potatoes, soap, sugar, tea dust, tobacco, chocolates, etc. Gradually, she expanded her business and added extra items regularly. Due to her good behavior, her business has grown rapidly.

In the year 2008, with her able leadership, Sumati, along with other three women of her small village, formed a Joint Liability Group named Matrushakti, which means “mother’s power,” to take loans from Mahashakti Foundation for the development of their businesses. All members hail from poor backgrounds in the "below poverty line" category.

This is the fourth loan of her group. During the last three loans, Sumati has been able to add some grocery items like dough, vegetables, oil, spices, soda (soft drinks) etc. and also a refrigerator for her shop. Every day from the early morning she starts her work at a stretch of ten hours. Now she is earning 500 INR daily from her business.

Sumati wants to keep more stock for her shop but, due to financial scarcity, her husband has to go to the nearest market to buy items for her grocery shop regularly. Due to frequent purchases, she incurred losses in transportation. So from the present loan she has planned to buy merchandise for her business such as rice, sugar, vegetables, oil, noodles, potato, onion, dough, soda, etc., in bulk. She expects to increase her sales and, thereby, her income, which will serve to ensure the education and welfare of her children.

Sumati hopes to build a permanent cabin in the center of her village for running her business. She also hopes to provide better education to her children.

The other three members of the group are Ghame, Jayantidei and Santi running spice-selling and milk-selling businesses.

Additional Information

More information about this loan

Mahashakti Foundation focuses its work in some of the most underdeveloped districts in Odisha, characterized by poor infrastructure and high levels of poverty. By supporting this loan, you are enabling access to finance for women living in some of India's poorest and most remote areas.

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 Mahashakti Foundation

Mahashakti Foundation is a public charitable trust that provides microfinance and development services in the low-income state of Odisha. Operating in the poorest region of India, the organization strives to serve rural communities, tribal groups and others living on less than USD$1 a day. In addition to microcredit, it also provides micro-savings and micro-insurance products, as well as business development, health, water and sanitation, and food security services.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About India

  • $4,000
    Average annual income
  • 155
    View loans »
    India Loans Fundraising
  • $5,195,225
    Funds lent in using Kiva
  • 52.7
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Matrushakti Group's $2,125 loan helped a member to pay for purchasing of grocery items in bulk.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 20, 2012
Oct 17, 2012
Currency Exchange Loss: