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Hara Gouri Group
In this Group: Kumudini, Chanchala, Surekha, Sabita, Premsila, Gouri
In 2010, six poor women from a slum area of Bhawanipatna Municipality located in Kalahandi district, one of the poorest regions in India, stepped out and decided to build a secure future for their family by sharing the burden of the family with their husbands.

All members hail from the Schedule caste and belong to the below poverty line category. The traditional work of this community is cobbler (making, repairing and polishing of different leather products). Normally this work is done by the male members. They formed a joint liability group named Hara Gouri. One of them is Surekha. The lady sitting second from the right with raised hand in the photo is Surekha. Surekha is 33 years old; living with her husband and three sons aged 16, 14 and 11. All three of the children are attending normal school.

Surekha herself has been selling vegetables like tomatoes, potatoes, onions, brinjal, ladies finger etc., and seasonal fruits like mangos in the daily market of the town for the last 15 years. She brings stock from the local wholesalers. There was always some left-over stock that was not sold which had to be thrown away as they did not have a storage space of their own. So, Surekha decided to start selling these vegetables on her own by the roadside in the market. She now wants to rent a shop that will help her to have a place to sell the vegetables. It will also help her to buy more stock for starting a wholesale business. Buying more stock will help reduce her frequent travel to the market and eventually transportation and buying costs. A portion of the loan amount will help her to rent a shop in the market and purchase more stock of vegetables and fruits. Surekha hopes to complete the construction of her half-built house as soon as possible.

The other five members of her group are Chanchala, Sabita, Kumudini, Gouri and Premsila doing same business of vegetable vending.

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
  • 36
    View loans »
    India Loans Fundraising
  • $5,654,125
    Funds lent in using Kiva
  • 54.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Hara Gouri Group's $1,500 loan helped a member to buy vegetable items like potato, tomato, brinjal etc.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
May 8, 2013
May 22, 2013
Currency Exchange Loss: