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Rani is a 33-year-old housewife from a small village in Dhupguri. In her family, she has her husband and one son. Rani passed class VI (grade 6) and her husband studied until class VII (grade 7). They also admitted their son to school. Both of them are very ambitious and want to give a good life to their child with a good education.

Her husband is engaged in an agriculture business. They have their own land where her husband grows different vegetables and crops in different seasons and supplies those items to the wholesale market. Now, she plans to take a loan from BJS (Kiva’s partner) to invest in potato farming by buying necessary supplies like potato seeds, fertilizers, urea and more. She decided to sow potato seeds because potatoes are a year round crop and a very popular vegetable used in most Indian dishes. In the future, she dreams of extending her business by buying more land with the profits earned from the business.

Rani is very much grateful to Kiva and BJS.

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
  • 23
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 62.2
    India Rupees (INR) = $1 USD