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Maa Bimala Group
In this Group: Santoshini, Tikini, Surangi, Padmini, Pankajini
Maa Bimala, a Joint Liability Group, is located in Chhatapipal, a rural village of Bolangir district of Odisha, India. This group consists of five women members who belong to the BPL (below poverty line) category. People from the BPL category live on less than one dollar a day.

Padmini, sitting with raised hand, is one of them. She is 24 years of age and lives with her husband and one son, age 2 months, and one daughter, age 5 years, who has just started schooling in the village school.

Padmini is running a photo studio in a very small room in her house with the help of her husband. She has a computer system, a digital still photo camera and a normal video camera for her business. Her husband mainly manages the photo studio. In the absence of her husband, Padmini also takes photographs. Apart from in door service, her husband also attends calls and orders at various social festivals, government programmes and other functions as a photographer. She also gives the video camera on hire basis at a cost of 1,000 INR per day.

In normal season (from June to September) Padmini earns 5,000 INR per month, and in festive season (from October to May) she earns 8,000 to 10,000 INR per month.

The locality of Padmini has a great potential for her business but, due to shortage of space, she is not able to expand it as she would like. By using the present loan, Padmini is planning to purchase an advance digital camera for her business. From the extra income, she has a plan to construct a separate photo studio on her plot, which she wants to materialize very soon.

The other four members of her group are Santoshini, Pankajini, Tikini and Surangi, who are doing milk 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
  • 36
    View loans »
    India Loans Fundraising
  • $5,650,575
    Funds lent in using Kiva
  • 55.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Bimala Group's $1,175 loan helped a member to pay for purchasing of a digital camera.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 19, 2012
Nov 17, 2012
Currency Exchange Loss: