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Bismilla Group
In this Group: Samasun, Idan, Basanti, Sabanam
The Bismilla Joint Liability Group was formed in the year 2013 by four active women of Titilagarh town of Bolangir district in Odisha, India to access a loan from Mahashakti Foundation and expand their businesses. Samasun, aged about 39 years, is one of them. The lady standing second from right in the photo and raising her hand is Samasun. She lives with her husband and three sons, aged 12, 9 and 5 years. All her children are continuing their study in the local school.

Samasun herself has been running a small general store in her house for the last eight years with the help of her husband. She sells general grocery items like sugar, lentils, biscuits, soft drinks, toffee, etc. Her husband is managing a tent house business with decoration items, utensils and light materials. Her net monthly income from the existing business is Rs. 4,000 (rupees). Out of this income, she has been able to contribute some part for household expenses like the educational expenses of her children.

Samasun purchases stock for her business daily from the wholesalers of the town. As per her statement, she was able to increase the variety of items in her shop, but not the inventory. She wants to increase the stock of her business from this loan amount by purchasing items like lentils, soap, biscuits, spice items, etc. for her general store. This will help her to reduce her purchasing costs and save time, as she has to refill her stock on a daily basis.

Samasun dreams to provide better education to her children, as she believes that education is the pillar of all success.

The other four members of the group are Idan, Basanti and Sabanam, who are running a welding center, dry food making and selling business, and cycle-repairing center 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
  • 166
    View loans »
    India Loans Fundraising
  • $5,355,125
    Funds lent in using Kiva
  • 61.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Bismilla Group's $675 loan helped a member to purchase lentils, soap, biscuits, spice items, etc.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 25, 2013
Oct 17, 2013
Currency Exchange Loss: