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Abiya is a 42-year-old woman from the remote village of Baroghoria in the district of Jalpaiguri. She lives there in her own house with her husband and two sons. She is married to Kabir. One of her sons is a truck driver and the other runs a tea stall. Both Abiya and her husband are illiterate and can only sign their names.

Abiya can be characterized as an exemplary wife and mother who strives untiringly to offer her family well being and sustenance.

She has had a grocery shop for more than 10 years in her own house. She is a very gentle and polite lady so she always has good sales. Now she wants to keep varied grocery items in her shop to satisfy the desires and needs of her customers, which will keep her business profitable and ensure profit.

She has taken a loan from BJS (Kiva’s partner) to buy necessary commodities for her shop such as rice, dal, oil, salt, sugar etc. She hopes it will enable her to earn additional profit from this new step in her business.

She is very much thankful to 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
  • 172
    View loans »
    India Loans Fundraising
  • $5,355,125
    Funds lent in using Kiva
  • 60.6
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Abiya to purchase various grocery items for their existing grocery shop.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 4, 2014
May 1, 2014
Currency Exchange Loss: