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Narayan is a 25-year-old physically challenged person living with his family in a small village of Odisha, India. His family consists of his wife and his one daughter, age three. His wife is a homemaker. He is the only earning person in his family. To manage his family, he started a general store at the village market, which is a half kilometer from his home. Whatever he earns from this activity is used for consumption purpose and is not sufficient for them to live happily and afford all necessities of life.

He sells packaged items like biscuits, cake, wafers, chocolates, betel etc. in his shop. He goes to market to purchase the items for his shop very frequently. But due to the lack of funds, he is not able to meet the growing demand of the customers and compete with his competitors.

He has requested a loan of 30,000 INR to purchase stock of what he sells in bulk and to purchase grocery items like rice, lentils, cooking oil, salt, sugar, spices and noodles etc. for his general store so that he can meet the market demand and compete with his competitor. He hopes to enlarge his business and provide good education to his daughter.

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
  • 54
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 54.3
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $575 helped Narayan to pay for rice, lentils, cooking oil, salt, sugar, spices and noodles etc.for his general store.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 22, 2013
Apr 28, 2013
Currency Exchange Loss: