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Monika, 27 years old, is a housewife. Her husband, Rajen, 32 years old, is engaged in the business of supplying wood to building contractors. Monika has a education up to class V (grade 5), but her husband is illiterate and can only sign his name. They have two children. Of them, the son is receiving education in class II (grade 2). The daughter is below school-going age. They live in the small village Anandanagar in Dhupguri in the district Jalpaiguri, in their own kachha house (mud and straw made).

Her husband is the only earning member of their family. Monika’s husband's income is not sufficient to provide the necessities of the family. Monika desires to give financial assistance to her husband. She plans to grow potatoes and sell them to the local market. She also plans to prepare potato chips in her home and sell them to the locality to generate more income.

Monika has taken the loan to purchase potato seeds and fertilizers to grow potatoes on their own piece of land. As it is a very essential vegetable, it has great demand in the present market. So she hopes to earn a great profit from this business.

With the earning she will pay some household expenses, her children's educational expenses and with the rest she hopes to purchase land in future. She is thankful to the lenders, 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
  • 120
    View loans »
    India Loans Fundraising
  • $5,425,550
    Funds lent in using Kiva
  • 61.2
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $150 helped Monika to purchase potato seeds and fertilizers to start cultivation of potatoes.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Nov 29, 2013
Dec 13, 2013
Currency Exchange Loss: