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Jayanti is a 41-year-old housewife and lives in a small village, Magurmari, in Dhupguri with her husband Harishankar, 47 years old, and their five children. Jayanti passed class VIII (grade 8) and Harishankar class XI (Grade 11). Her husband Harishankar is a farmer.

As a parent of five children, Jayanti works hard to support her family. Three of the children are in school: class IV (Grade 4), class V (Grade 5) and Class XI (Grade 11). The fourth is engaged in agriculture and the last one is a mason. They own a 'kaccha' house, made of mud and straw.

Jayanti has taken a loan to start cultivation of beans and wants to sell them in the local market. Her future plan is to upgrade their standard of living with the profit earned from the business. She is very grateful to BJS and Kiva for giving her this opportunity.

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
  • 75
    View loans »
    India Loans Fundraising
  • $4,835,525
    Funds lent in using Kiva
  • 63.8
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Jayanti to purchase seeds and fertilizers for cultivating beans.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Nov 7, 2013
Nov 16, 2013
Currency Exchange Loss: