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Manoka, 24, is a housewife and lives in the small village of Maynaguri, in Jalpaiguri District with her husband, Jiten, 30 years old, and their two children (one son and one daughter). Manoka had studied up to class IV (grade 4) and her husband is illiterate but can sign his name. The children are pursuing their studies. Her son is in class VI (grade 6) and her daughter is in class VII (grade 7). They want to give them a higher education and to see them in a good position in society.

Her husband is a tea grower who farms tea on their land. But due to lack of capital, they are not farming well. So Manoka wants a loan to purchase seedlings and fertilizers to grow tea on a large scale. The demand for green tea leaves is more in that area because there are a lot of tea gardens. They hope this farming will give them more earnings.

In the future, they want to build a sanitary toilet with the profit. She gives hearty thanks to BJS and Kiva for this loan.

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
  • 161
    View loans »
    India Loans Fundraising
  • $5,194,825
    Funds lent in using Kiva
  • 62.7
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $150 helped Manoka to purchase seedlings and fertilizers to grow tea on her own land.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 26, 2013
Nov 18, 2013
Currency Exchange Loss: