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Kalpana is a 45-year-old woman who lives with her husband, Pramir, 65 years old. Kalpana has completed her education to grade 5 and Pramir has passed B.A. (bachelor of arts). They live in Barshoria village at Dhupguri in their own pakka (concrete) house.

She is a housewife while her husband is busy with his grocery shop. They have their own grocery shop in their locality. Kalpana and her husband have two sons who help their father in their own grocery shop.

Still Kalpana is not satisfied with their income because she fails to balance the expenditures of her family. As they have insufficient capital, they are unable to maintain the stock of their shop -- the varieties of grocery items and day-to-day necessary items -- so their business is running well.

Being a responsible housewife and an affectionate mother, Kalpana wishes to pay attention to the financial condition of her family. That is why she needs the loan from BJS (Kiva’s partner) to purchase more necessary grocery supplies and stationery goods, which have a great demand in her remote area. She knows that the profit generated from her business will make their economic condition stable.

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
  • 162
    View loans »
    India Loans Fundraising
  • $5,194,825
    Funds lent in using Kiva
  • 61.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Kalpana to purchase necessary grocery supplies and stationery goods for her grocery shop.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Dec 6, 2013
Jan 1, 2014
Currency Exchange Loss: