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Manowara is 41 years old and lives in the village of Baroghoria in Dhupguri in the district of Jalpaiguri. She could not attend school due to the lack of financial resources. She is married and has one son. Her husband Monirudfin, 57 years old, is also uneducated. They live in their own kachha house (made of mud, bamboo and straw).

Manowara’s husband has worked in agriculture all of his life. His father taught him how to work in the fields. He grows vegetables and sells at the local markets. But these days, it is not sufficient to cover all the expenses. He is looking for a way to improve his family's conditions.

Thus, Manowara has applied for a loan from Kiva's partner, BJS, to purchase dairy cows to start a milk supply business. She wants to buy two dairy cows with the loan. She is a very energetic and hardworking woman. She plans to sell the milk in her locality, which will provide more profit.

She is thankful to BJS and Kiva for this 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
  • 194
    View loans »
    India Loans Fundraising
  • $5,211,575
    Funds lent in using Kiva
  • 61.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Manowara to purchase dairy cows to start a milk supply business.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Feb 14, 2014
Mar 8, 2014
Currency Exchange Loss: