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Feroza is a 22-year-old housewife from Dhupguri, Jalpaiguri district. She is married to Md. Ajijul, who is 28 years old, and they have two children. Feroza and her husband both are illiterate and able to sign their names only. Amongst the children, one is in class II (grade 2) and the other one is too small to go to school.

Feroza’s husband cultivates many kinds of vegetables on his own land and sells those vegetables in the market. Now Feroza has given preference to the cultivation of potatoes, as this is a very profitable job in her area. She wishes to take the loan from BJS (Kiva’s partner) to purchase potato seeds and fertilizer for growing potatoes and wants to give financial support to her husband.

Now she has a kaccha house (made of mud, straw and bamboo), but in the future, she dreams to build a concrete house of her own with the profits from her potato business so that she can live happily with her family.

She is grateful to Kiva and BJS because in her bad days, BJS and Kiva have come forward to help her, and she has seen the light of prosperity.

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
  • 131
    View loans »
    India Loans Fundraising
  • $5,414,825
    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 Feroza to purchase potato seeds and fertilizer for farming potatoes.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Dec 19, 2013
Jan 1, 2014
Currency Exchange Loss: