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Omm Sai Self Help Group
In this Group: Sanjulata , Rina , Kanchan , Minakshi, Sanjukta , Lili, Satya Vama, Gitanjali, Madhumita
Sanjulata, a citizen from a rural village located in the Khurda district, is 41 years old and lives with her husband and her three children, all of whom are dependent on her.

For the last four years, she has been engaged in the activity of farming a paddy and selling vegetables. Her husband supplements their income by working as a laborer. With the current business, she can earn about 5,000 INR per month, and that is very low for her monthly expenses.

She, along with eight other women from her village, formed a group, and she was elected as group president. She and her group members have requested a loan of 135,000 INR. She will use her portion to purchase fertilizers, pesticides, seeds and to pay for a work force. She hopes to earn more income after getting the loan so she can improve her standard of living.

Additional Information

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 People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

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
  • 140
    View loans »
    India Loans Fundraising
  • $5,407,100
    Funds lent in using Kiva
  • 62.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Omm Sai Self Help Group's $2,175 loan helped a member to pay for fertilizers, pesticides, seeds and to pay work force fees.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Aug 31, 2013
Oct 7, 2013
Currency Exchange Loss: