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Maa Mangala Group
In this Group: Archana , Pakani, Radhika , Santi, Nandi, Dali
In the Balangir district of Odisha, India, Baijayanti Pada is one of the slum areas of Balangir Municipality which hails from Ward No.12. There is a special identity of this slum area which is that it is inhabited by the Mahar community (Weavers of Bamboo). Most of the inhabitants of this community are very poor and far away from the basic necessities of life like shelter and education. They reside in small huts and their children get rarely get good education.

The main business of this community is making hand fans of bamboo and selling them in the market, railway station and bus stop and in nearby villages.The income they get from their business is spent hand to mouth for them. To overcome this situation, in the year 2010 six women of this community formed a Joint Liability Group named Maa Mangala with the objective of accessing a loan from Mahashakti Foundation for the overall development of their family, to improve their existing businesses. Archana, aged about 35, is the featured member, sitting on the extreme left with raised hand. She is married and resides in a small hut with her four-member family, comprised of her husband and two daughters aged 8 & 4.

The business of Archana (making of bamboo hand fans) is a traditional business of their community. Archana and her husband jointly do the processing work and make hand fans. To procure raw materials, they have to go 100 kilometer away by train and bring back the raw bamboo. Both the wife and husband sell their products in the town market, railway station & bus station. They also supply their products to traders.

Archana earns a monthly income of Rs.3000 from her business. This small income never meets the minimum needs of the family. So Archana wants to raise her production for more income. From the present loan she is planning to purchase more raw bamboo to last for a long time without any interruptions. She hopes this will help her to increase her income. Archana dreams of revamping her existing hut and constructing a house for her family.

The other five members of the group are Pakani, Nandi, Santi, Dali and Radhika who also do the same business.

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

  • $2,900
    Average annual income
  • 8
    View loans »
    India Loans Fundraising
  • $4,390,650
    Funds lent in using Kiva
  • 55.6
    India Rupees (INR) = $1 USD