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Dinobala is a 45-year-old housewife. She lives with her husband Monomohan, 57, and her 2 sons in the small town of Dhupguri in the district of Jalpaiguri, in their own kachha house (a house made of bamboo, straw and mud). Both Dinobala and her husband are illiterate and can only sign their names. Their children were also deprived of an education due to their poor economic resources. They are engaged in some small businesses.

Dinobala's husband has been involved in agricultural activities for the last 10 years. This is the only source of income for the family, but his business does not provide him with sufficient financial sustenance. Thus, Dinobala started her own decorator business to generate additional income. She rents sound boxes, microphones, speakers, etc. for special occasions such as marriage ceremonies, birthday parties, different meetings, etc.

She is well known in her region for her good behavior, honesty and simplicity. So, she expects these qualities will help to develop her decorator business. Now she wants to grow her business to satisfy more customers. But she lacks the capital to do so. Thus, Dinobala has come forward and applied for a loan from BJS (Kiva’s partner) to buy more decorative items like sound boxes, music systems, wires etc. to grow her business.

She hopes to keep on expanding and developing this business by moving to a larger shop in her locality. She is very hopeful this business will be a lucrative one and will change their present financial situation.

She is thankful to BJS and Kiva for funding the 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
  • 188
    View loans »
    India Loans Fundraising
  • $5,207,575
    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 Dinobala to purchase more sound boxes, music systems, and wires to rent.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 9, 2014
May 2, 2014
Currency Exchange Loss: