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Minati, age 37, is a courageous lady from the village of Maynaguri with one son. She lost her husband in an accident. Minati studied up to class VIII (grade 8). She sends her son to school. She wants her son to lead a very successful life with a good education.

It was difficult for Minati to manage the minimum expenses of the day-to-day livelihood of her family and son. Then she decided to start her own grocery shop, but due to lack of funds, it was very difficult for her to continue this business. She does not have sufficient stock in her grocery shop. Then she heard about BJS and decided to take a loan to purchase various groceries for her grocery shop. In her locality, the demand for her groceries is very high as her shop is the only one there.

In the future, she dreams of extending her business and giving a good education to her son.

The small loan has brought a significant positive change in her life and lifted her family out of extreme poverty. She has proved that it is not that difficult to see the light by overcoming the hurdles if financial assistance is added to one’s industry.

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
  • 188
    View loans »
    India Loans Fundraising
  • $5,207,575
    Funds lent in using Kiva
  • 62.2
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $150 helped Minati to buy grocery items to sell in her shop.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 23, 2013
Nov 21, 2013
Currency Exchange Loss: