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Bishnu is a 31-year-old physically challenged person. He lives with his parents, wife and a child. His wife is a housewife and his child is attending school.

He has been running a betel/variety shop in his village located in the state of Odisha, India, for the past seven years. He sells betel, biscuits, toffees, wafers and tobacco sachets in his shop. He earns 5,000 INR per month from his shop.

He has a plan to make his shop bigger and add some more stock of what he sells and other products. He also wants a refrigerator to keep soft drinks and chocolates in his shop.

He has asked for a loan of 20,000 INR for making his shop bigger and purchasing the above mentioned items. He has a dream to allow his child to study in a good school, so that his child can have a bright 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
  • 32
    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 loan of $375 helped Bishnu to pay for purchasing betel, biscuits, toffees, wafers, tobacco sachets, etc., and a refrigerator for keeping soda and ice cream for his variety store.
0% repaid
Repayment Term
44 months (Additional Information)
Repayment Schedule
At end of term
Jan 31, 2013
Feb 10, 2013
Currency Exchange Loss: