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Khusi Group
In this Group: Sabitri, Banita, Kshiti, Urmila , Bisakha, K.sarojini
“Khusi” (happiness), a Joint Liability Group, was formed in the year 2010 by six active women of Bhawanipatna town of Kalahandi district in Odisha, India. Kalahandi district is known for drought and backwardness. K.Sarojini is one of the members of this group, standing in the middle with raised hand. She is a very energetic lady with advanced thinking. She is 35 years old and lives with her husband, one son of 18 years and one daughter of 20 years who are continuing their studies. Presently, K.Sarojini is residing in a small house with her family.

K.Sarojini is running a 'Tiffin' business in two places of Bhawanipatna town with the help of two push carts, together with her husband for last 20 years. She prepares Tiffin items like 'dosa' and 'idli' which are very popular in the town. To help her in the business she has engaged two workers (one male and one female). She also takes contracts for supply of Tiffin at social functions. K.Sarojini earns a monthly income of 6000 INR.

This is the third loan from Mahashakti Foundation and K.Sarojini wants to purchase a freezer and a grinding machine out of this loan. This will help her to store the residue of raw materials after the end of the day to be used in the next day and prepare fresh raw materials, thereby it will save the food product losses due to lack of a good preservation facility.

K.Sarojini hopes to open a quality Tiffin hotel in the heart of the town and construct a 'pucca' house for her family. The other five members of the group are Sabitri, Banita, Bisakha, Kshiti and Urmila who are running a photocopy center, an electricals shop, a cloth store, a Tiffin hotel and a fast food centre.

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
  • 24
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 53.0
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Khusi Group's $3,550 loan helped a member to pay for purchasing a freezer and a grinding machine.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 20, 2012
Oct 21, 2012
Currency Exchange Loss: