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Jay Maa Durga- A Group
In this Group: Nandini, Binati , Drupadi, Tapaswini
In the year 2009, four active women from Junani of Nuapada district in Odisha, India formed a group named Jay Maa Durga to access a loan from Mahashakti Foundation and expand their businesses. Drupadi is one of them. The young lady of 29 years standing second from left in the photo, raising her hand, is Drupadi. She lives with her husband; one daughter aged 8 and one son of 4 years old.

Drupadi has been running a general grocery shop in her village for last six years with the help of her husband. She started the business in a very low profile manner with a small investment of her own. At that time her monthly net income was around 2,000 INR. It was very difficult on the part of Drupadi to maintain her family. After formation of the group to date Drupadi has already accessed four loans amounting 10,000, 14,000, 18,000 & 20,000 and gradually developed her grocery shop by adding new items like a freezer for selling cold drinks, etc.

Presently she is earning a monthly income of 10,000 INR, but according to her this is not sufficient to materialize her dream. As per her statement, she was able to increase the variety of items in her shop but not the amount of inventory. She wants to increase her stock of raw materials. So according to Drupadi, the present loan of 40,000 INR will be utilized to purchase items like rice, wheat, lentils, oil, etc. for her general store. This will help her to reduce her purchasing and transportation costs as she will replenish her stock less frequently.

Drupadi hopes to save enough for building a good house for her family as the present house is very small. She has also a dream to give better education to both of her children. Drupadi, with a sentimental mood, expressed her satisfaction that she has got total success due to the timely support of Mahashakti Foundation.

The other three members of the group are Nandini, Binati and Tapaswini who are running a general grocery shop with dry food making, general store with fertilizer & pesticide, and a dry food supply business 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
  • 151
    View loans »
    India Loans Fundraising
  • $5,402,725
    Funds lent in using Kiva
  • 61.4
    India Rupees (INR) = $1 USD
A portion of Jay Maa Durga- A Group's $2,425 loan helped a member to pay for purchasing rice, wheat, oil, biscuits, potatoes, lentils, etc.
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 25, 2013
Oct 12, 2013
Currency Exchange Loss:
Nov 11, 2013