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Maa Sarala Group
In this Group: Sarojini, Jagyasini, Taru, Rasmibala
Maa Sarala, a Joint Liability Group, was formed in the year 2011 by four active women of Bhawanipatna town of Kalahandi district in Odisha, India. Kalahandi is known for drought and backwardness.

Jagyasini is one of the members of this group. She is standing on the extreme right with her hand raised in the photograph. She is a very energetic lady. She is 30 years old and lives with her husband and one daughter of five years, who has just stepped into school. The families of Jagyasini have migrated to this place from south Odisha in search of a livelihood.

Jagyasini is running two businesses with the help of her husband. One is a daily needs shop and the other one is an ice cream factory, in business for the last seven years. Jagyasini supplies ice cream to 30 vendors on a daily basis. From the above two businesses, she earns a monthly income of 8,000 INR. With this small income, she hardly manages her family expenses.

Summer season is the peak period for the ice cream business, so looking into the market demand, Jagyasini wants to increase the production of ice cream. So, from the present loan amount, she wants to purchase a compressor machine for her factory. This will help Jagyasini to increase the income and materialize her dream of giving an education to her girl child.

The other three members of the group are Sarojini, Taru and Rasmibala, who are running a coconut wholesaling business, an auto repairing center and a tailoring center respectively.

Additional Information

More information about this loan

Mahashakti Foundation focuses its work in some of the most underdeveloped districts in Odisha, characterized by poor infrastructure and high levels of poverty. By supporting this loan, you are enabling access to finance for women living in some of India's poorest and most remote areas.

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 Mahashakti Foundation

Mahashakti Foundation is a public charitable trust that provides microfinance and development services in the low-income state of Odisha. Operating in the poorest region of India, the organization strives to serve rural communities, tribal groups and others living on less than USD$1 a day. In addition to microcredit, it also provides micro-savings and micro-insurance products, as well as business development, health, water and sanitation, and food security services.

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
  • 201
    View loans »
    India Loans Fundraising
  • $5,212,200
    Funds lent in using Kiva
  • 53.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Sarala Group's $2,175 loan helped a member to purchase a compressor machine for her ice cream factory.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Mar 25, 2013
Apr 25, 2013
Currency Exchange Loss: