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Maa Annapurna Group
In this Group: Janaki , Sandhyarani, Pusbabai, Satyabhama
“MAA ANNAPURNA”, a Joint Liability Group, was formed in the year 2009 by four active women from Khariar town of Nuapada district in Odisha, India. Sandhyarani is one of the members of this group, standing second from the left with her hand raised. She is 31 years of age and lives in a rented house with her husband and two sons who are nine and seven years old. Ten years ago, Sandhyarani’s husband migrated to this place from the coastal belt and worked in a barber shop as a daily wage earner for three years. In the year 2007, Sandhyarani started a one-seat barber shop of her own in a low profile with the help of her husband. In the subsequent years, with three consecutive loans from Mahashakti Foundation, she developed her shop into three seats by taking a rented cabin in the heart of the town. She has engaged two male workers for giving service to the customers. She earns a monthly income of 8,000 INR from her barber shop, which is not at all sufficient to manage the household expenses, the education expenses of her children and the regular expenses for the business. As she is an outsider to this place, she doesn’t have her own house to live. Therefore, Sandhyarani want to increase her income by adding some extra facility to the existing business for generating the minimum necessities of her family. This is the fourth loan of Sandhyarani and she wants to purchase a facial machine, a massage machine and two big mirrors. She also wants to repair the existing moving chairs. From this investment, she expects a good return for the total development of her family. With the extra income, Sandhyarani hopes to purchase a plot of land and construct a house for her family. She also dreams of giving a better education to her children. The other three members of this group are Janaki, Pusbabai and Satyabhama who are running a betel nut shop with a tailoring center, vending vegetables and running a tea stall with biscuits and snacks, respectively.

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
  • $5,640,525
    Funds lent in using Kiva
  • 59.6
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Annapurna Group's $2,150 loan helped a member to purchase a facial machine, massage machine and two big mirrors.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jun 19, 2013
Jun 30, 2013
Currency Exchange Loss: