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Laxmi is a 45-year-old married woman from Maynaguri. She has completed a secondary level education. Her husband is 52 years old and has completed a higher secondary level education. They have two children.

Her husband is running his farming business but it is not running smoothly due to the lack of capital. She heard about BJS (Kiva’s partner) from her friend and decided to take a loan to upgrade her business. She will buy seeds and fertilizers for chili cultivation. Chili is a crop that is very much in demand in their area, so she and her husband decided to cultivate chili.

Now, she is very hopeful about her business. She hopes the loan will improve their business as well as the financial condition of her family. She is thankful to BJS and Kiva because she needs this loan for the growth of her business.

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 district in the state of West Bengal is severely lacking in infrastructure and is one 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

  • $2,900
    Average annual income
  • 19
    View loans »
    India Loans Fundraising
  • $4,283,575
    Funds lent in using Kiva
  • 60.1
    India Rupees (INR) = $1 USD