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Maa Santoshi Shg (A) Group
In this Group: Kuni, Diptimayi, Jaee, Sushama, Tapi, Dulei, Pinki, Alli, Gelhi, Bhagabati
Kuni (shown in the photo standing with hand raised) is a 26-year-old woman who is married and has two children who are in school. She lives in a small village of Odisha, India.

Kuni produces and sells flowers in the community where she lives. She learned this line of work from her parents who dedicated themselves to this trade for many years. Kuni’s work enables her to generate the necessary income for sustaining her family. She says that she enjoys her work because it is honest labor and it helps her feel useful in her community. Kuni has more than 7 years of experience in this trade.

She decided to organize a group so that she and her fellow group members could help one another and improve their standard of living. Kuni will use her loan to buy supplies (such as fertilizer) and to pay for labor so that can maintain her flower plants. She dreams of increasing her flower plantings so that she can improve her income.

Additional Information

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 People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.


About India

  • $4,000
    Average annual income
  • 36
    View loans »
    India Loans Fundraising
  • $5,640,525
    Funds lent in using Kiva
  • 61.8
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Santoshi Shg (A) Group's $2,450 loan helped a member to buy farming supplies and pay for labor.
0% repaid
Repayment Term
44 months (Additional Information)
Repayment Schedule
At end of term
Jan 31, 2014
Feb 16, 2014
Currency Exchange Loss: