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Subham Self Help Group
In this Group: Barnali , Sandhyarani, Pushpa, Kakoli, Malati
Agriculture has been a prime source to earn a livelihood in India for close to 60% of the population. India has one of the world’s largest production of paddy crops. Most of the time, these marginalized people have land to grow crops, but due to financial constraints, are not able to buy fertilizers, seeds, or irrigation facilities.

Barnali (hand raised), 39, hails from Nandakumarpur village of South 24 Parganas district of West Bengal, India. Her family comprises her husband and a son and a daughter who are in different stages of schooling. Her husband usually goes to different villages in search of a job. The current income is not sufficient, and with the daunting responsibilities that she will face in the future, as in financing their children’s education, it is imperative that she uses the land for paddy cultivation.

She is also the leader of Subham Self Help Group (SHG). The SHG helps in training, mutual sharing of ideas, motivation and help. As a group, they are usually involved in different jobs to reduce the risk of business failure.

Barnali needs a loan for the paddy cultivation, for which she will need to buy fertilizers, seeds, etc. She expects to reap a profit of INR 50,000 per year. With finance in place, she can expect to bring stability to her family. The lady also has a good credit history and has never defaulted.

Other members in the group have a diverse set of requirements, which includes betel vine farm preparation, potato and onion businesses, and pisciculture. In total, they require a loan of INR 140,000.

Additional Information

More information about this loan

This loan was designed by MicroGraam to provide new means of income for borrowers in the Sunderbans region of West Bengal. The majority of the region is heavy dependent upon rain-fed agriculture, leading to extremely low income and food insecurity. MicroGraam’s partnership with the non-profit organization Sabuj Sangha has made this loan possible. Sabuj Sangha offers trainings and loans to allow borrowers dependent on rain-fed agriculture to purchase inputs and technology like bucket irrigation systems or to invest in local enterprises that provide an alternative to agriculture. By funding this loan, you are helping borrowers in India access business training and consulting services that allow them to make a livelihood transition without placing added pressure on dwindling finances.

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 >
Additionally, this loan may be post-disbursed, in which case this borrower will only receive the loan after it has been 100% funded by Kiva lenders. Because it is difficult to predict when a loan will be fully funded, the disbursement date may have been estimated by the Field Partner and may be inaccurate by several days or weeks.

About MicroGraam

MicroGraam is a Bangalore-based, crowd-funding lending platform that aims to promote development and growth throughout India by providing underserved populations with access to formal loan capital.

In order to provide critical capital in remote areas of India, MicroGraam collaborates with various partners located across the country, applying a structure very similar to Kiva’s. The organizations currently provide clients -- most of whom are women -- with three types of loans: (1) agricultural loans, (2) educational loans, and (3) microenterprise loans.

Kiva lenders’ funds will enable MicroGraam to forge new partnerships with important social organizations, connecting more rural areas with critical access to capital.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.


About India

  • $4,000
    Average annual income
  • 168
    View loans »
    India Loans Fundraising
  • $5,355,125
    Funds lent in using Kiva
  • 60.3
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Subham Self Help Group's $2,325 loan helped a member to buy fertilizers and seeds.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 31, 2014
May 4, 2014
Currency Exchange Loss: