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Bharati is a housewife, and her husband is a farmer by profession. Throughout the day, her husband keeps himself busy in farming different kinds of seasonal vegetables on their own agricultural land, and sells the harvest in the local market.

Bharati manages all the household work as well as assists her husband in his farming work. Now she and her husband plan to take a loan to invest in potato farming by buying necessary supplies like potato seeds, fertilizers, etc.

She hopes to earn a great profit from her newly planned potato business, which will enable her to meet the family’s financial needs as well as to give her children higher education.

She is thankful to BJS and Kiva for the loan.

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
  • 25
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 62.0
    India Rupees (INR) = $1 USD