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Ranjana, 46, is married and a housewife. She could not get her elementary education due to her parents' poor financial resources. She is a mother of one son. Her husband is a farmer. Their son is receiving higher education. They live in Dhupguri in the district Jalpaiguri.

For the past 10 years, Ranjana's husband has been growing different vegetables to sell after the harvest in his community. During the harvest, all of the family members get involved. His goal is to improve his agribusiness to strengthen his family's financial stability. He also wants to expand his plantations so that he can give her son a decent inheritance.

Ranjana has taken a loan from BJS (Kiva's partner) to expand their agribusiness. They have decided to grow bitter gourd, which is a very useful crop and in great demand. So they think it will be a lucrative business, and they will earn additional profit from this business to lead a decent life.

Her full thanks go 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
  • 110
    View loans »
    India Loans Fundraising
  • $5,430,025
    Funds lent in using Kiva
  • 60.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Ranjana to purchase bitter gourd seeds and fertilizers for cultivation.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 9, 2014
May 2, 2014
Currency Exchange Loss: