Check out some available loans that are similar to this one!
Manjuma is 40 years old and her husband is 52 years old. Both of them are illiterate and can only sign their name. Manjuma has four children. Two of them are receiving education and the other two work with their father. Manjuma is a housewife and her husband is farmer. By farming they are not earning enough money, so for that reason, Manjuma thought to shift to some other business.

They have applied for a loan to BJS so that they can purchase a cow and can sell milk and milk products like ghee, paneer, cheese, etc. in the market to earn money. They dream that they will invest the profit that they make in their field so that they can cultivate different types of crops and can have more earnings for their family. They are thankful and grateful to BJS for this help.

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
  • 194
    View loans »
    India Loans Fundraising
  • $5,211,575
    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 Manjuma to purchase a cow to sell milk and milk products.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Nov 2, 2013
Nov 15, 2013
Currency Exchange Loss: