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Tamina, age 41, and her husband, Adisul, age 49, are from the small town of Dhupguri in Jalpaiguri. They have four children and of those, three children are studying in school. The other one is running his own vegetable business. Tamina is a homemaker, and her husband is associated with agricultural work. They are not educated, but know how to sign their names. Her husband’s business is not so much profitable for them to run their family.

So, Tamina decided to help her husband by earning money for her family. She decided to purchase a milch cow (cow which gives milk) for herself, and sell milk in the market and start earning for her family. She chose this business because in her area, demand for the milk is very high, so it’s a profitable business for her.

Her future dream is to purchase a shop on her own where they can sell the milk on a large scale. She is a hardworking woman. She is very much grateful to BJS and Kiva for funding her loan and helping her to start her new business.

Additional Information

More information about this loan

This loan targets women in the financially underserved parts of India. With a largely rural population, the Jalpaiguri, Alipurduar, and Cooch Behar districts in the state of West Bengal are severely lacking in infrastructure and are three of the poorest districts in Eastern India.  This loan enables female entrepreneurs to maintain their current businesses in an area that is under-developed and poorly served by financial institutions

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 Belghoria Janakalyan Samity

Belghoria Janakalyan Samity (BJS) is a non-profit organization located in India that focuses on poverty alleviation through women’s empowerment. The organization is remarkable in its commitment to the holistic development of some of the poorest districts of West Bengal and goes further than most of its competitors in offering vital access to social services like child schooling, medical services and financial literacy training in addition to credit. Kiva lenders’ funds will be used to create new loans for clients, expand the reach of the organization into more rural areas, and deepen the scope of BJS’s non-financial services that provide key support to the surrounding communities.

About India

  • $4,000
    Average annual income
  • 169
    View loans »
    India Loans Fundraising
  • $5,355,125
    Funds lent in using Kiva
  • 63.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $175 helped Tamina to purchase a cow in order to sell milk in the market.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Nov 8, 2013
Nov 14, 2013
Currency Exchange Loss: