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Jyotsna is a young, energetic 21-year-old married lady. She has one small child. She lives with her husband in a small village in Maynaguri.

Her husband is associated with a small trade, but his income is not sufficient for their family maintenance. Jyotsna is a hardworking woman; to give financial support, she prepares bamboo baskets and sells them in the local bazaar. There is great demand for these baskets in rural areas. The materials required to make the baskets are expensive, so it was not possible for her to run the business effectively.

Jyotsna decided to join BJS (Kiva’s partner) and take out a loan so she can buy more bamboo sticks and other supplies for preparing more baskets. From childhood Jyotsna is very much expert in making handicraft items; that is why she plays the decent role of making the baskets in a good way. Her neighbors are also fond of her baskets, so Jyotsna got encouragement in making baskets. She hopes this will improve her financial status and enhance her business on a large scale. She also wants to employ a laborer in this work to assist her and to enlarge her business.

Jyotsna is very much thankful to BJS and Kiva for helping her to improve her business.

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
  • 36
    View loans »
    India Loans Fundraising
  • $5,654,350
    Funds lent in using Kiva
  • 60.4
    India Rupees (INR) = $1 USD