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Maa Tarini Group
In this Group: Tanaya, Sudeshna, Joshna, Bishnupriya, Sandhyarani
Sandhyarani, aged 46, is the leader of a group that hails from Hata Muniguda of Rayagada district of Odisha, India. She lives with her husband, having one son and one daughter aged 05 and 09 respectively. The member standing second from left with raised hand is Sandhyarani.

Sandhyarani is running a clothing store with the support of her husband in her locality. In 2009, Sandhyarani along with four other members of her village formed a group and took a loan from Mahashakti Foundation for development of their existing business. This is her fifth cycle loan.

At the time of accessing her first loan, Sandhyarani's sales were not sufficient to meet her daily requirements. Out of their small income they were maintaining their family in a very pitiable condition. Now she is very much confident in running her business and has developed her clothing store significantly. At present her monthly income is about Rs.8,000. She wants to take a further loan to expand her present clothing store. She has a desire to open a shoe store adjacent to her clothing store so that whenever her previous customers come to purchase clothes they will purchase shoes also, as it a complementary product.

The other four members named Tanaya, Sudeshna, Bishnupriya and Joshna have grocery shops.

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
  • 126
    View loans »
    India Loans Fundraising
  • $5,421,200
    Funds lent in using Kiva
  • 61.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Tarini Group's $3,900 loan helped a member to purchase ready-made clothes and sarees.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 21, 2013
Oct 18, 2013
Currency Exchange Loss: