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Reba is a housewife from Maynaguri who has studied up to class IX (grade 9). Her husband has been running a small business for many years. Their two sons are now students in classes IX (grade 9) and X (grade 10).

Her husband’s business is not going well nowadays and that is why she is perplexed about her children’s education. She also fails to manage the family expenses. For this reason she decided to start a new business which would maybe uplift them out of their critical condition, so she applied for a loan from BJS (Kiva’s partner) to purchase different ingredients like oil, potatoes, ghee, spices, etc. for making fast foods such as pakora, cutlets, fried pastries, potato chips, etc. to sell in her local area because there is great demand for fast food in her locality. Each and every person in her locality relishes her fast food items as there is no other fast food centre in their locality and there is a great demand for the product; that is why Reba earns a lot of profit from this business. Moreover, she can extend her business with the profit she makes and can give her family a smooth life.

Reba expresses her heartiest thanks to BJS and Kiva for their kind financial support.

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
  • 157
    View loans »
    India Loans Fundraising
  • $5,369,475
    Funds lent in using Kiva
  • 62.0
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $150 helped Reba to purchase the ingredients to start her new business of making snack food.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jan 25, 2014
Mar 1, 2014
Currency Exchange Loss: