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Akhlima, who is a 48-year-old housewife, lives in a remote region of Jalpaiguri with her two children (one daughter and one son) and her husband. She is illiterate and only can sign her name. Her husband Majibar, age 54, is a cultivator by profession. Their two children go to school and both are in grade eight.

Akhlima's husband grows seasonal vegetables and sells the produces in the local market. He earns so little from his agricultural activities that it has become very difficult for them to bear the educational costs and household expenditures. They need to expand the business by cultivating some different crops, which they think should be jute, a very profitable crop.

In order to help her husband, Akhlima has applied for a loan from Kiva’s partner, BJS. She will use the loan to buy seeds, fertilizers and other materials needed for cultivation of jute. The profits from her business will definitely help sustain their daily needs and the children's education. She looks forward to this financial increase with gladness and thankfulness in her heart.

Akhlima dreams of being able to buy another plot of land to expand her farm with the profit.

She wants to give her heartiest thanks 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
  • 195
    View loans »
    India Loans Fundraising
  • $5,211,575
    Funds lent in using Kiva
  • 60.3
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Akhlima to buy seeds, fertilizers and other materials needed to cultivate jute.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 9, 2014
May 6, 2014
Currency Exchange Loss: