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Balunkeswar Shg Group
In this Group: Susama , Sukanti , Sita , Suranga , Aintha , Sumitra , Puspalata , Dali , Nabei , Premalata
Balunkeswar SHG was formed in 2006 and is composed of ten members in a small village in Odisha.

Susama is the lady who is standing in the third position on the left side of the photograph. She is wearing an orange, black and red color saree. Susama, aged 29, is an educated member of their group, so she was selected as the leader of Balunkeswar SHG. Susama has two sons and one daughter. She is living with her husband and her three children. Her children are continuing schooling.

With the loan that she is receiving, Susama plans to boost her agricultural business, and to do so she will purchase chemical fertilizers, rent a field and pay for the cost of labor. In order to strengthen her agricultural business, she plans to improve her strategy and make use of new farming techniques.

Both Susama and her husband have been involved in this activity for five years. They have good knowledge of paddy cultivation and vegetable cultivation.

Susama currently grows rice. She has requested a loan to grow her agriculture activity. Her ambition is to expand the business for which she is receiving financial support, and to diversify her activity by growing vegetables.

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.

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
  • 23
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 53.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Balunkeswar Shg Group's $2,825 loan helped a member to purchase chemical fertilizers, rent a field and pay for the cost of labor.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jan 3, 2013
Jan 22, 2013
Currency Exchange Loss: