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Maa Tarini Group
In this Group: Droupadi, Padmini, Santosini, Guri, Barsarani, Babby
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 is that it is inhabited by Mahar community (Weavers of Bamboo craft). 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 rarely get a good education.

The main business of this community is making hand fans of bamboo and selling them in the market, railway station and bus stand and nearby villages. The income they get from this is 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 Tarini accessing a loan from Mahashakti Foundation for the overall development of their family to improve their existing status.

Guri, aged about 49, is one of these women, sitting on the extreme left with raised hand in the photograph. She is married and resides with her husband, one son of 26 years, and three daughters of 20, 18 and 10 years. Her second and third daughters are studying in +3 degree and 10th standard respectively.

Guri is running her traditional business of bamboo crafts (making of bamboo hand fan).All Guri's family members jointly do the processing work and make hand fans. For the raw materials, her husband has to go 100 kilometers away by train and bring back the raw bamboo. Guri also procures ready-made products from the neighbors. Every week traders from 80 kilometers away come to Guri to take away the finished products.

Guri earns a monthly income of Rs.5000 from her business. With this small income she can barely manage both the family needs and educational expenses of her daughters. On the other hand, her son and elder daughter have also grown up to marriageable age. So Gouri wants to increase the income of her family to meet those expenses. From Guri's present loan a portion will be used for purchasing more raw bamboo and colour for making more hand fan and another portion will be used for procuring finished products. Guri believes that this will help her to increase her income level to some extent. Guri dreams of arranging the marriages of her son and daughter in the near future.

The other five members of the group are Droupadi, Padmini, Santosini, Barsarani and Babby 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

  • $4,000
    Average annual income
  • 174
    View loans »
    India Loans Fundraising
  • $5,192,575
    Funds lent in using Kiva
  • 55.6
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Tarini Group's $1,350 loan helped a member to pay for purchasing bamboo, coloring and finished products.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
May 30, 2013
May 27, 2013
Currency Exchange Loss: