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Sathi is a rural married woman of 27 years, the mother of a daughter. She lives with her daughter and husband, 32 years old, in the small town Maynaguri in the district Jalpaiguri. They have their own semi-pacca house (brick-built wall and straw roof). She received education up to class X (Grade 10) in their village. Her only daughter reads in class II (Grade 2).

Sathi's husband attended school up to class VIII (Grade 8). He is a car driver by profession. He is very sincere and hard-working. Sathi is also trying hard to give financial support to help her family. She wants to provide sustenance for her family. She has applied for a loan from BJS (Kiva’s partner). She wants to buy a cow to start a milk supply business. She wants to sell milk from door to door in her locality. She hopes this business will be a profitable one as there is a great demand for milk in the present market. Her main interest is to continue fighting for the betterment of her family and give her daughter a better education.

She hopes to upgrade their house to a pacca one (concrete made).

Her full thanks go to BJS and Kiva

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
  • 129
    View loans »
    India Loans Fundraising
  • $5,414,825
    Funds lent in using Kiva
  • 62.3
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $200 helped Sathi to purchase a cow to start a business of selling milk.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Nov 14, 2013
Dec 9, 2013
Currency Exchange Loss: