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Namita is a rural housewife from the small village of Tekatuli in the district of Jalpaiguri. She is 28 years old and read up to grade 7. Her husband, Harishankar, aged 32 years, has an education up to grade 7. They have two children (one son and one daughter), who are students of grade 2 and grade 4 respectively. They live in their own kachha house (made of straw, mud and wood).

Namita's husband is a humble and hardworking man. He is totally engaged in agriculture. Namita also helps her husband. He gives hard toil on his farmland. It is the only way to earn their living. This tradition has been passed on from generation to generation; that is how he learnt the activity. He grows different vegetables in different seasons and sells in the local markets and to his neighbors to generate income to contribute to the family economy. Now he thinks to expand his agribusiness by cultivating potatoes, which are a profitable crop.

Namita is requesting a loan from BJS (Kiva’s partner) to purchases potato seeds and necessary farm supplies to continue cultivating and caring for her crops and obtain a more productive harvest. With her spirit of getting ahead and the determination to prosper, she wants to continue with the business and make it more and more profitable so she can give her family a better quality of life.

She gives her thanks to BJS and Kiva.

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
  • 59
    View loans »
    India Loans Fundraising
  • $5,657,350
    Funds lent in using Kiva
  • 60.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Namita to purchase potato seeds and necessary farm supplies for cultivation of potatoes.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Feb 22, 2014
Apr 1, 2014
Currency Exchange Loss: