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Sri Satya Sai Shg Group
In this Group: Ranjarani, Chitrakala, Chadrakala, Chinmayee, Bilasini, Tarangabala, Sasmita, Usharani, Bidulata, Mina, Ranga, Laxmi, Rasmirekha, Snehalata, Kshamarani, Janakee
From a small village of Khurda district, Odisha state, India, sixteen women stepped out and made a self-help group having the name of "Sri Satya Sai Shg" to earn some money from different activities to support their families. All the group members are engaged in different business activities like paddy cultivation, vegetable cultivation, etc.

Ranjarani, age 41, is a married lady with one daughter. The lady standing with her hand raised is Ranjarani. To provide her living, she has been planting rice and farming for twelve years. Her farming earned an income of 3,500 INR per month.

Now she is the group leader of this group, and they are seeking their first loan with People's Forum (Kiva’s partner) for 240,000 INR. As the group leader, she is going to use her loan portion to buy rice seeds and fertilizer for her farmland. She hopes her rice will gain a good crop yield for her to earn a profit to support her business.

Additional Information

More information about this loan

This loan is designed for single mothers, widows and unmarried women, who are often excluded from Self-Help Groups in India. Many of these women, usually with families to support, do not have access to microfinance and often work as casual labor or domestic help. Self Help Groups are hesitant to accept them due to the social stigma attached to their status and very few microfinance organizations offer loans to individuals. By supporting this loan, you are enabling a poor woman in India to establish or grow her business.

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
  • 25
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 62.4
    India Rupees (INR) = $1 USD