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Ramesh is a differently-able, 43-year-old married man. He lives with his wife and one daughter in Odisha, India.

He has been operating a small bicycle repair shop, which is the only source of income for the family and a profitable project, but also not enough to cover all the costs and the family's needs. His monthly income is 4,500 INR. He has an experience of 30 years in this business; he started in the business at a very tender age.

He currently has the skills and equipment to do good repairs and replacements but not the required spare parts for replacements. He has to travel almost 15 miles for a good spare part.

Ramesh is requesting a loan of 20,000 INR to cover the costs of purchasing necessary spare parts used for repairs such as free wheels, chains, tyres, seat covers, etc., for bicycles as well as motorbikes. This will provide Ramesh with a varied collection of spare parts, which will help to increase his income and improve the family's living standard, and allow him to marry his daughter into a good family.

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
  • 33
    View loans »
    India Loans Fundraising
  • $5,654,350
    Funds lent in using Kiva
  • 54.2
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $375 helped Ramesh to pay for purchasing spare parts like free wheels, chains, tyres, seat covers, etc. for his bicycle repair shop.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Mar 10, 2013
Mar 19, 2013
Currency Exchange Loss: