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Ann Maa Tarini Shg Group
In this Group: Namita, Sulochana, Sasmita, Nirmala, Pravati, Bidulata, Bimala, Binapani, Sanjukta
The nine women from this village created a Self-Help group called "Ann Maa Tarini SHG", and Namita is the president of this group. In the picture, the lady seated with a raised hand is Namita. The group is made up of members having a purpose to help and support each other in their business activities and in their personal lives. All the group members are engaged in different activities to make some money for their household expenses.

Namita lives with her parents-in-law, husband and her son, aged eight years, who is in school. She is engaged in flower cultivation and flower selling. In India, the fresh flowers are used for God worship and for decoration; so Namita plucks the flowers in the early morning and sells them to a nearby market at retail as well as wholesale. She also sells the small flower plants.

Her husband is a farmer who is engaged in paddy cultivation; he helps in Namita's flower selling. Namita and her husband both take on all the family's responsibilities. Namita has a dream of making a house for her family and educating her children.

Namita, along with her group members, has requested a loan of 225,000 INR. Namita will use her portion to purchase standard-quality seeds, fertilizers and pesticides for her flowers and flower plant business.

She is really very thankful to Kiva for this opportunity

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
  • 160
    View loans »
    India Loans Fundraising
  • $5,194,825
    Funds lent in using Kiva
  • 61.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Ann Maa Tarini Shg Group's $3,675 loan helped a member to purchase standard-quality seeds, fertilizers and pesticides for her flowers and flower plant business.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Dec 31, 2013
Jan 14, 2014
Currency Exchange Loss: