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Omm Sairam Self Help Group
In this Group: Sukanti, Bijuli, Basanti, Santilata, Jhunilata, Mamata, Rasmita, Chheta, Ranjita, Jagyaseni, Ahalya
Bijuli is the president and featured borrower of Omm Sairam SHG. She is standing fourth from left in picture. She formed this group so the women of her village in Odisha, a state in eastern India, would be able work together and help each other improve their livelihoods. Through the group they support each other financially and emotionally.

Bijuli lives with her husband, their two small children, and her husband’s parents in the village. Her husband works at the local grocery shop while she tends to the children, as they are too young for school. As they are growing, however, they can take care of themselves a little more, and Bijuli has more time. She would now like to go into business to help contribute to the growing family expenses.

For this reason, she is taking a loan to start growing vegetables, particularly ladies’ fingers or orchra, which is really popular in her town. She is excited for this loan and the opportunity to go into business. She says, “Thank you, Kiva” for giving her this opportunity.

The other women in Bijuli’s group are also engaged in small agricultural businesses or run shops in the village market. They will use their loans to improve their businesses and help provide for their families.

Additional Information

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 People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.


About India

  • $4,000
    Average annual income
  • 114
    View loans »
    India Loans Fundraising
  • $5,430,025
    Funds lent in using Kiva
  • 61.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Omm Sairam Self Help Group's $2,675 loan helped a member to purchase vegetable seeds and fertilizers to start her new vegetable business.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Nov 30, 2013
Dec 22, 2013
Currency Exchange Loss: