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Jayanti is a 29-year-old woman. She is married to Subodh, who is 36 years old and a farmer by profession. They both have studied up to grade 5. They have two children studying in school. Jayanti is a dedicated mother as well as a hardworking housewife. Jayanti lives in her own kaccha house, which is made of mud and straw. She works hard from dawn to dusk to upgrade her family’s economic and social condition.

Now Jayanti wants to grow chilies on her own plot of land and sell them in the local market. She came to know about BJS (Kiva’s partner) loan fund and applied for a loan to buy more chili seeds and fertilizers to grow chilies in a large amount in her own field. She understood that more production of chilies will help them to gain profit from her business. Her contribution should make her business smooth, and she will be able to give a good future to her children, including their education.

In the future, she desires to make a new poultry farm with the profit from her business.

She really thanks 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
  • 26
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 60.4
    India Rupees (INR) = $1 USD