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Jay Mata Jee Group
In this Group: Jayanti, Sanjukta, Lalima, Sanjukta , Suprabha, Ranju
The Jaya Mata Jee Joint Liability Group was formed in the year 2012 by six active women of Titilagarh town of Bolangir district in Odisha, India.Their primary objective was to avail credit from Mahashakti Foundation and expand their existing businesses.

Ranju, age about 40 years, is one of them. The lady standing in the photo, raising her hand is Ranju. She lives with her husband, three daughters, 18, 15 and 13 years old, and a son, 14 years old. All her children are continuing their studies in the local college.

Ranju has been running a small general store in her locality for the last eight years with the help of her husband. She sells general grocery items like rice, oil, sugar, lentils, biscuits, soft drinks, toffees, etc. Her net monthly income from the existing business is INR 4,000. Out of this income she has been able to contribute some part for household expenditures like the educational expenses of her children.

Ranju purchases stock for her business daily from the wholesalers of the town. As per her statement, she was able to increase the variety of items in her shop but not the inventory. She wants to increase stock of her business from this loan by purchasing items like lentils, soap, biscuits, spice items, etc. for her general store. This will help her to reduce her purchasing costs and save time as she normally has to refill her stock on daily basis.

Out of the extra income, Ranju wants to save some money and dreams to provide better education to her children as she believes that education is the pillar of all success.

The other five members of the group are Jayanti, Sanjukta, Lalima, Sanjukta-1 and Suprabha who are running egg stall, barber shop and tent house 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

  • $2,900
    Average annual income
  • 4
    View loans »
    India Loans Fundraising
  • $4,588,425
    Funds lent in using Kiva
  • 54.9
    India Rupees (INR) = $1 USD