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Maa Santoshi Group
In this Group: Bilasini, Anandini, Nalini, Dukha
This group is called "Maa Santoshi." It was formed in the year 2009. All the four members of this group are women from the village Kurebhana and belong to the below poverty line category. Kurebhana is a remote village in the district of Bolangir of Odisha, one of the poorest districts in India. A majority of the inhabitants of this village depend upon cultivation. In this village, almost all families are in the milk business.

Dukha is one of the members of Maa Santoshi group who has raised her hand second from right in the photo. She is 43 years old and is a straightforward lady, living with her husband, three sons age 24, 22 and 18 and one daughter, age 20. All her children have dropped out of school after secondary education and are helping their parents in farming.

The primary work of Dukha is farming from which she gets a low return with which it is very difficult to maintain her family. So she started a milk business for extra income with the help of her husband in the year 2009 by purchasing a cow from a loan availed from Mahashakti Foundation. Now she has three cows producing 10 liters of milk per day.

Dukha supplies this milk to a milk-processing unit of her village at 20 INR per liter. She gets the price of milk in every 10 days. As there is growing demand for milk in the locality, Dukha has planned to use the present loan for purchasing another cow of improved variety. Dukha has a dream to save some money for the marriages of her children and construct a house.

The other three members, Bilasini, Nalini and Anandini, are doing milk, vegetable and grocery store businesses. Since inception Dukha has been managing the group with utmost sincerity with good name and fame in her locality.

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
  • 25
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 55.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Santoshi Group's $1,600 loan helped a member to purchase a cow.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 19, 2012
Nov 17, 2012
Currency Exchange Loss: