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Sahiban is a young lady of only 28 years. She is married, a housewife and uneducated (can only sign her name) and lives with her husband Bablu, aged 27 years. They are raising their two school-going children (one son and one daughter). They are in grade 5 and 6 only. They live in their own house in Baroghoria in the district Jalpaiguri.

Sahiban's husband is associated with the business of cultivation of vegetables in their farmland. He learned to grow vegetables from a very young age by watching his parents. He gives his best effort to grow good vegetables to satisfy his customers and meet the family expenses. When harvest time comes, Sahiban helps him. But he can't give sufficient financial sustenance with his small income. So, they have decided to expand their business and cultivate pumpkins.

Sahiban is requesting a loan from BJS (Kiva’s partner) to purchase seeds, fertilizers and wants to start pumpkin cultivation. She hopes that this business will help her a lot, because with the earnings, she will be able to manage the household expenses.

Her dreams are to continue helping her husband by improving the business, to support her children in improving academically, and start a grocery shop with the profit from her business.

She thanks BJS and Kiva for giving their support.

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
  • 125
    View loans »
    India Loans Fundraising
  • $5,421,200
    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 Sahiban to purchase seeds, fertilizers and pesticides for cultivating pumpkins.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 7, 2014
May 1, 2014
Currency Exchange Loss: