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Bhagaban is a 36-year-old differently abled person staying with his wife and two children. He has a tea and food stall in his village.

Bhagaban sells tea, some local snacks like samosa (fried dough stuffed with potato curry), idli (popular recipe of south Indian origin made by steaming a batter consisting of fermented black lentils and rice), wada (lentil doughnut), etc. He earns 4,500 INR per month, which is used for his household expenditures. His wife helps him in his business by purchasing the raw materials and preparing the snacks.

He wants to repair his food stall and purchase some furniture (benches, tables) to seat his customers; also to buy utensils like plates, spoons, etc., which will attract customers and will increase his monthly income.

Bhagaban has requested a loan of 30,000 INR to fulfill his above requirements and purchase raw materials for preparing food items. He says in this way, he can earn 6,000 to 7,000 INR per month, and he would be able to construct a house and save money for his children’s 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
  • 34
    View loans »
    India Loans Fundraising
  • $5,650,575
    Funds lent in using Kiva
  • 54.2
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $575 helped Bhagaban to pay for purchasing furniture and raw materials; also to renovate his snacks stall.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Mar 10, 2013
Mar 19, 2013
Currency Exchange Loss: