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Balaram is a 45-year-old physically challenged person living with his wife and four children. His son is working in a company and his three daughters are studying at college. Balaram works as a driver at a travel agency, where he gets daily wages. He is not able to look after his family properly and fulfill their demands.

Balaram has an idea to purchase a second-hand auto rickshaw so that all the income comes to his pocket instead of only the labor cost. He says that doing so will improve his monthly income and his family's economic condition.

He has applied for a loan of 50,000 INR to purchase a second-hand auto rickshaw. He will use the auto rickshaw to carry passengers from one place to another.

He has a dream of having his daughters well educated and saving some money for their marriage.

Additional Information

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 People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

About India

  • $4,000
    Average annual income
  • 172
    View loans »
    India Loans Fundraising
  • $5,355,125
    Funds lent in using Kiva
  • 55.3
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $925 helped Balaram to puchase an auto rickshaw.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Nov 15, 2012
Nov 21, 2012
Currency Exchange Loss: