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Ann Jai Guru Self Help Group
In this Group: Saraju, Sulochana, Manjula, Shailabala, Panchi, Goli, Matiani, Sabitri, Sanam, Golap, Kuni, Rajanibala, Kumari
The Ann Jai Guru Self Help Group consists of 13 members from a small village of Balugaon, Odisha, India. All the members of this group are female. They are engaged in different business activities for the elimination of poverty. Three of the women have very low incomes, but this helps them to want to struggle harder to get ahead.

One person who deserves to be highlighted is Saraju (in the picture the lady seated first from right in a yellow sari), who works selling vegetables. Through her job, she works to support her family and also to improve her business and continue growing. She is a very determined person who wants to continue growing. She is seeking part of this loan in order to be able to invest it in the purchase of vegetables like tomatoes, onions, green peppers, potatoes and other vegetables so that she can continue with her sales.

The group is very grateful for this opportunity for growth that it is receiving.

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
  • 24
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 61.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Ann Jai Guru Self Help Group's $5,250 loan helped a member to purchase tomatoes, onions, green peppers, potatoes and other vegetables so that she can continue with her sales.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Nov 30, 2013
Dec 24, 2013
Currency Exchange Loss: