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Januka Malla
Januka is 40 years old and is married with one child, aged 21. In 2000, she established her grocery store business and by working seven days a week, 12 hours a day, she supports her family. She has already received and successfully repaid six loans from Patan BPW and used her most recent one to buy groceries for her business.

In the future, Januka plans to improve the financial situation of her family and she thanks you for your support. In the Kathmandu Valley where she lives, small grocery stores, called pasals, are an important part of the local economy. Fresh produce, milk, and staples such as rice, lentils, and flour are purchased daily for cooking in the home. Owners of small grocery stores use Kiva loans to increase their purchasing power and profit margins. By keeping their inventories strong and purchasing in larger amounts, owners of these small stores are able to increase profitability. While a typical pasal might be no more than 100 square feet, they are always full of bargaining customers, incoming produce, and shrewd businesswomen.

Additional Information

About BPW Patan

This loan was administered by Kiva's Field Partner, Patan Business and Professional Women. BPW Patan became Kiva's first Field Partner in Nepal in 2007. BPW Patan operates throughout the Kathmandu Valley, offering microcredit, business training, and literacy classes to low-income women in both urban and rural areas. BPW Patan uses a group lending methodology, which not only allows women without collateral to access finance, but also provides members with a valuable support system. In addition to providing economic opportunities to its clients, BPW Patan seeks to empower Nepali women within their homes and communities. For more information about BPW Patan, visit the BPW Patan Partner Page and keep an eye out for new loans and borrower updates. Also, please consider joining the BPW Patan Lending Team to show your support.

About Nepal

  • $1,500
    Average annual income
  • 0
    View loans »
    Nepal Loans Fundraising
  • $471,400
    Funds lent in using Kiva
  • 86.6
    Nepal Rupees (NPR) = $1 USD