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Jay Jagannath Group
In this Group: Mayabati, Arati , Khiradei, Milki , Anuradha
This group is called “Jay Jagannath”. It was formed in the year 2009. All five members of this group are women from the village of Badi and belong to the “Below Poverty Line” category. Badi is a rural village in the district of Nuapada of Odisha, one of the poorest districts in India.

Anuradha is one of the members of the Jay Jagannath group. She is standing on the extreme right and raised her hand in the photo. She is 29 years old and is a cheerful lady. She is living with her husband and three sons, aged nine, seven and five. She hails from a Scheduled Class family.

Anuradha is running a dairy farm with ten milking cows at her house with the help of her husband. Her husband supplies milk to the Tiffin hotels of the nearest town. He also looks after the health of the cows and takes care of them. Anuradha gets 50 liters of milk on a daily basis. From this business, she gets an income of 10,000 INR per month.

As there is growing demand for milk in the locality, every year she is adding new cows to her dairy farm. This will be the fifth loan for her from Mahashakti Foundation. She is planning to use the loan to purchase a high breed milking cow with 60,000 INR.

Anuradha has a dream to save enough money for construction of a house, giving a better education to her children and developing a good dairy farm.

Of the other four members, Mayabati, Khiradei and Arati are running general stores, and Milki is doing a fish business. The group members hope to expand and develop their businesses from the financial support from Kiva.

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
  • 125
    View loans »
    India Loans Fundraising
  • $5,421,200
    Funds lent in using Kiva
  • 62.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Jay Jagannath Group's $3,425 loan helped a member to purchase a high breed cow.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 25, 2013
Oct 10, 2013
Currency Exchange Loss: