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Jay Maa Mangala Shg Group
In this Group: Droupadi, Rita, Renubala, Bharati, Sanjukta, Subasini, Saraswati, Malati, Santilata, Arati, Baijayantimala, Sarathi, Madhusmita
The group “Jay Maa Mangala Self-Help Group” has thirteen members who are all from the same neighborhood. The lady standing with her raised hand is Droupadi, who is the leader of the group.

Droupadi is a 52-year-old woman, married to a worker. They live in a small village in Odisha, India. The couple has two children who are in school. Droupadi lives with her children and, together with her husband, takes care of all the household expenses.

In order to help with all the family expenses, Droupadi has been involved in doing paddy cultivation and selling her produce to distributors for the past fifteen years. She supplies her rice to the rice dealers in the nearby market. In order to strengthen the business and respond to client demand, Droupadi, together with the group Jay Maa Mangala Shg, is requesting a loan from Peoples Forum for purchasing fertilizers, pesticides and seeds, and to cover their operational costs. Their goal is to increase their business activity.

Additional Information

More information about this loan

This loan is designed for single mothers, widows and unmarried women, who are often excluded from Self-Help Groups in India. Many of these women, usually with families to support, do not have access to microfinance and often work as casual labor or domestic help. Self Help Groups are hesitant to accept them due to the social stigma attached to their status and very few microfinance organizations offer loans to individuals. By supporting this loan, you are enabling a poor woman in India to establish or grow her business.

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 People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

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
  • 33
    View loans »
    India Loans Fundraising
  • $5,654,350
    Funds lent in using Kiva
  • 59.9
    India Rupees (INR) = $1 USD
A portion of Jay Maa Mangala Shg Group's $4,350 loan helped a member to purchase fertilizers, pesticides and seeds, and to cover their operational costs.
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Mar 12, 2014
Apr 4, 2014
Currency Exchange Loss:
May 4, 2014