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Pushpa is a 24 -year -old married woman. She is a homemaker. Her husband, aged 37 years, is a farmer by profession and earns money by selling vegetables in their local market. Both Pushpa and her husband are illiterate, able to sign their names only.
She is a mother of a son and a daughter. One of them receives education and the other one is too small to go to school. They live in Maynaguri in the district Jalpaiguri in their own Kachha house (mud and straw made).

She needs a loan from BJS (Kiva’s partner) so that she can buy seeds and fertilizers for potato cultivation and make a good profit from this business. She hopes to improve their financial condition and give a good upbringing to their children. There is a very good demand of potatoes in this area so the business will be a lucrative one. They want to become financially successful from this business. Pushpa and her husband dream to upgrade their kachha house to a brick-built house.

Her full thanks go to BJS as well as to Kiva for giving her the loan.

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
  • 210
    View loans »
    India Loans Fundraising
  • $5,212,200
    Funds lent in using Kiva
  • 62.2
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $200 helped Pushpa to buy potato seeds and fertilizers for cultivating potatoes.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jan 18, 2014
Mar 1, 2014
Currency Exchange Loss: