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Chhaya is a 49-year-old woman. She is the mother of two children (one son and one daughter). She is married to Monoronjon, who is 57 years old. Chhaya completed her primary education and her husband studied up to class X (Grade 10). Their daughter is receiving an education and reads in class X (Grade 10). Their son is engaged in a small business. They live in the small town of Dhupguri in the district of Jalpaiguri in their own kachha house (mud and straw made).

Chhaya's husband established a clothing business five years ago. She began to assist her husband, after managing all the household work, in settling their domestic bills. They purchase clothes from the wholesale market and sell them at retail. Their main customers are their neighbors, including both men and women. Now, it has become difficult to maintain their family with so little income due to the increasing prices of essential commodities. So they want to expand their business.

Chhaya applied for a loan from Kiva’s partner BJS in order to buy more clothing (sarees, frocks, shirts, etc). Moreover, she wants to stock woolen garments for the upcoming winter season. She hopes that this loan will increase her profit margin.

She is thankful to both 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
  • 26
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 62.2
    India Rupees (INR) = $1 USD