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Ramani is a 38-year-old divorced lady living with her only daughter, who is in school. She manages a tailoring shop where she stitches dresses like salwars (traditional Indian dress), etc., for her customers who give orders for stitching. Few years back when she got divorced with her husband, she was burdened with responsibilities for her daughter, so she started a tailoring shop. She earns only 3,000 Indian rupees (INR) per month from her business.

Ramani plans to purchase two new sewing machines, fabrics, threads, buttons, ribbons, needles, etc., so that she can enlarge her business and take orders from her customers in bulk. She also wants to hire a workforce for help in the business. She has requested a loan of 20,000 INR to purchase two sewing machines and fabrics and to hire some help. She wants her daughter to study in a good school and to save some money for her future.

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
  • 36
    View loans »
    India Loans Fundraising
  • $5,650,575
    Funds lent in using Kiva
  • 53.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $375 helped Ramani to pay for purchasing two new sewing machines, fabrics, buttons, ribbons, etc., for her tailoring business.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Feb 1, 2013
Feb 12, 2013
Currency Exchange Loss: