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Mahabuli lives with her husband and three children (two sons and one daughter) in a rural village Magurmari in the district Jalpaiguri. Mahabuli is only 28 years old, young, energetic and hardworking. Her husband Saiful, aged 41 years, is a farmer by profession. Both are illiterate but can sign their names only. They could not get an education as their parents could not support them financially. Two of their children go to school in grade 5 and 3; the third one is too young.

Mahabuli's husband has been associated with agricultural activities for a long time to give all the basic needs of the family. He mainly grows potatoes, beans and chillis in his own farmland. Though Mahabuli is a housewife, she contributes her effort to growing crops, doing cleaning work, harvesting the crop, spreading the manure, etc. Thanks to their effort and determination, they somehow manage to cover their household expenses.

Now Mahabali is requesting a loan from BJS to start a jute business. She plans to purchase seeds, fertilizers, and manure to cultivate this crop. Her plans for the future are to have a large plantation of this crop. She can then earn more and strengthen the inheritance that she will leave for her children. In addition to this, Mahabuli's priority is the education of her children.

She aspires to start a photo studio in future with the additional profit, which will be earned from this business.

She is grateful to BJS and Kiva for fulfilling her dreams by giving her a loan.

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
  • 40
    View loans »
    India Loans Fundraising
  • $5,633,950
    Funds lent in using Kiva
  • 60.6
    India Rupees (INR) = $1 USD