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Laili is 39 years old, married and raising two children (one son and one daughter) together with her husband. Her husband, Sahabuddin, aged 45 years, is engaged in agricultural activities. Both are uneducated and can only sign their names. Their daughter is in grade 11 and the son works as a mason. They live in the small village of Baroghoria in the district of Jalpaiguri, in their own house.

Laili’s husband grows seasonal vegetables in their ancestral land. He sells the resulting harvest in the local market. His income does not provide sufficient financial sustenance to the family.

To provide an additional source of income, Laili is involved in animal husbandry, having started 10 years ago with a purchase of one cow. Now she has decided to expand her business by purchasing one more cow. She has taken a loan from BJS to purchase a dairy cow and grow her milk supply business. She hopes it will generate additional profit with which she can cover the household expenses. She plans to invest the income for further increasing domestic livestock quantities to make a herd of cattle.

She is very much thankful to her lenders (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
  • 26
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 62.1
    India Rupees (INR) = $1 USD