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Greens Konammadevi-Jalihal Group
In this Group: Kamalavva , Lakshmibai, Devakkavva, Renuka, Rekuka
Greens Konammadevi is a Joint Liability Group (JLG) with five members. The group is mentored by the local NGO Future Greens Samsthe. The group is based in the small village of Jalihal in Bagalkot District. Basically, all the people in this village are dependent on agriculture and work in the fields as day laborers. Many villagers get involved in lamb and goat rearing as an additional source of income because what they earn is not sufficient to take care of the family needs. Most of the people in this village are from a marginalized section of society.

Konammadevi is the name of a goddess; the bull is the vehicle of this goddess. The group is named after this goddess.

Kamalavva, 28 years old and the lady standing with her hand raised, is the leader of this group. She has finished her schooling until second grade. She could not continue her studies further as her parents were very poor and could not afford her school fees. She is married and is living in a small hut with her husband and a daughter who studying in first grade.

Kamalavva is requesting a loan to start raising lambs and goats. With the profit that she expects from this activity, she wants to build a house and provide the quality education to her daughter that she never received.

Additional Information

More information about this loan

This loan is designed to provide financing, business consulting, input facilitation, market linkage, and resource management services to marginalized agricultural laborers in rural areas of Karnataka. MicroGraam’s partnership with the non-profit organization Future Greens Samsthe has made this loan possible. By funding this loan, you are helping to bring fair market access and productivity enhancement to laborers in India through enterprise financing and support.

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 >
Additionally, this loan may be post-disbursed, in which case this borrower will only receive the loan after it has been 100% funded by Kiva lenders. Because it is difficult to predict when a loan will be fully funded, the disbursement date may have been estimated by the Field Partner and may be inaccurate by several days or weeks.

About MicroGraam

MicroGraam is a Bangalore-based, crowd-funding lending platform that aims to promote development and growth throughout India by providing underserved populations with access to formal loan capital.

In order to provide critical capital in remote areas of India, MicroGraam collaborates with various partners located across the country, applying a structure very similar to Kiva’s. The organizations currently provide clients -- most of whom are women -- with three types of loans: (1) agricultural loans, (2) educational loans, and (3) microenterprise loans.

Kiva lenders’ funds will enable MicroGraam to forge new partnerships with important social organizations, connecting more rural areas with critical access to capital.

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
  • 161
    View loans »
    India Loans Fundraising
  • $5,194,825
    Funds lent in using Kiva
  • 60.6
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Greens Konammadevi-Jalihal Group's $1,250 loan helped a member to purchase lambs and goats.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jun 21, 2014
Mar 26, 2014
Currency Exchange Loss: