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Ranju is a woman of 30 years. She is married, a housewife, and uneducated (can only sign her name). She is married to Subhas, age 38, who is a green grocer by profession, and he is also uneducated. Together they are raising three children (sons), two of whom are students and read in grade 6 and grade 1. They live in their own "kachha" house (mud-, straw- and bamboo-made) in the small village of East Magurmari in Dhupguri in the district of Jalpaiguri.

Ranju's husband grows green vegetables on his land and sells in the local market. His small business is their only source of income, which is too low to give enough financial sustenance to the family. He works hard but, due to lack of capital, he is unable to grow more vegetables on his land. So, he cannot cover all the needs of the family.

Ranju has decided to help her husband start another business by taking out a loan from Belghoria Janakalyan Samity (BJS). She will use the loan to purchase a dairy cow and start a milk and milk products (butter, milk, paneer, cheese, etc.) business. Ranju chose BJS for this loan because they help small-scale farmers to grow economically. This loan will help to purchase a dairy cow, which will lead milk production, and to start a dairy products business. They will thus increase their income. This will ensure that the children receive a good education and also improve the family's living standards.

Her full thanks go to BJS and Kiva.

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
  • 37
    View loans »
    India Loans Fundraising
  • $5,650,575
    Funds lent in using Kiva
  • 62.5
    India Rupees (INR) = $1 USD