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Shukali
Shukali is a young rural woman of only 20 years from a small village, Mauyamari, in the district of Jalpaiguri. She is a very energetic and optimistic woman who does not want to give up. She lives with her husband, Swapan, aged 31 years, and only one son, who is too young to go to school. Both the husband and wife have secondary education. They live in their own house.

Shukali has been engaged for a long time in a business of stitching varieties of clothes and selling them in the market and in her neighborhood. Her husband is associated with a small business, but his income is low. Shukali gives support to her husband financially, so she stitches different types of garments, especially for ladies. Her husband also helps her in her work by selling those garments in the markets. There is a high demand for her clothes in her neighborhood.

Nowadays it is hardly possible for them to maintain the household expenses with the income, as the prices of everything are growing day by day. She wants to expand her business.

Thus, she has taken a loan from Kiva’s partner, BJS, to purchase materials, such as cloth, thread, needles, etc., that will help her to earn as much profit as she needs.

With the income from her business, she hopes to improve her family's quality of life. She wishes her business would keep growing so that she can support her family and husband and will overcome the financial hurdles that they are now facing.

She is thankful to both 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
  • 52
    View loans »
    India Loans Fundraising
  • $4,824,950
    Funds lent in using Kiva
  • 60.9
    India Rupees (INR) = $1 USD