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Pratima and her husband, Jagadish, live in a small town Maynaguri in Jalpaiguri. They have two children. One is studying in class V (grade 5) and the other one is studying in class VI (grade 6). Pratima has read up to class VI (grade 6) and her husband is illiterate but knows how to sign his name.

Her husband is working as a daily labourer and she is running her saree business. She sells sarees (Indian women's dresses) door to door, but she does not have enough income from her business to run her family because she does not have sufficient stocks.

To build good stocks she decided to take a loan from BJS (Kiva’s partner) so that her selling can increase. She is experienced in the saree business and this business has good demand in her locality. With this loan amount she will buy varieties of sarees.

She wants to give higher education to her children after earning good profit from this business and hopes it can make her family’s financial condition smooth. Her future dream is to open a saree shop from the profit. She is very happy to become a member of BJS and thankful to Kiva for funding her 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
  • 34
    View loans »
    India Loans Fundraising
  • $5,654,350
    Funds lent in using Kiva
  • 61.5
    India Rupees (INR) = $1 USD