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Merina lives in the remote village Baroghoria in Dhupguri in the district Jalpaiguri. She is only 25 years old and is a housewife. She is blessed with 2 children, who are school- going and are in grade 5 and grade 2. They live in their own kachha house (made of mud, bamboo and straw). She is married to Ashad who is 28 years old. Both of them have no elementary education, but they try their hardest to give their children proper education.

Merina's husband is associated with agribusiness. It is the main source of income for the family. The income from the business is so scanty that they can hardly cover the family expenses. So, it has become impossible to afford their children's educational cost.

Merina is requesting the loan from BJS for her daughter Chumki. Chumki is a bright and intelligent girl who studies seriously to score good marks in examinations but she needs someone's help in her study so that she can get better result. She wants to be a teacher in the future. Merina and her husband are unable to give her a private tutor. Merina plans to utilize the loan to purchase educational materials such as pens, pencils, books, note books, uniforms etc. and engage a private tutor for her daughter's smooth education so that she will be able to reach her goal.

Merina and her daughter (in the picture) are very much thankful to BJS and Kiva.

Additional Information

More information about this loan

This loan is part of BJS's education program, designed to finance school tuition and other expenses for students whose families have low incomes. Funds can be used for partial or complete payment of school expenses. By supporting this loan, you're enabling access to education for students with limited options.

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
  • 151
    View loans »
    India Loans Fundraising
  • $5,402,725
    Funds lent in using Kiva
  • 62.2
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Merina to purchase educational materials and to pay the school fees and tuition fees for her daughter.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jan 17, 2014
Mar 1, 2014
Currency Exchange Loss: