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Tamijan is 49 years old. She is married to Safiar, 54 years old. Both are raising three children (two sons and one daughter). One of her sons works as a mason, the other is in college. Their daughter is a student in grade 12. Tamijan and her husband both are uneducated and can only sign their names. They live in the remote village of Baroghoria in the district of Jalpaiguri.

Tamijan's husband is associated with a small business, which does not provide enough income to lead a decent life. Tamijan is also helping the family by running an animal husbandry business. She has a milking cow and she sells milk for many years. She initiated her own business and bought a cow to support her family, at the time when her husband was struggling hard to cover the family expenses. With the passage of time, her sales and income increased. She now has three goats in addition to the cow. This has all happened due to her courage and determination. Because of her hard work, she is respected in her family. Now she wants to purchase one more cow for expanding her milk supply business, to strengthen their financial condition.

She has taken a loan from BJS (Kiva's partner) for this purpose. She hopes this will help her to get additional income, which will give more stability to her family. She wants to build a concrete-made house for their family with the profit earned from this business.

She thanks her lenders (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
  • 61
    View loans »
    India Loans Fundraising
  • $5,657,350
    Funds lent in using Kiva
  • 60.6
    India Rupees (INR) = $1 USD