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Bindeswari is 38 years old. She is a married woman from the small village of Baroghoria in Jalpaiguri district. She attended school up to grade five. She is a mother of four children (three sons and one daughter). All of them are students and read in grade 10, 7, 5 and 1, respectively. Her husband Gayakanta is engaged in cultivation.

Bindeswari's husband farms a variety of crops on their own farmland. Bindeswari also helps her husband in farming by sowing seeds, harvesting and carrying the produces to the market for sale. This agribusiness is the only source of income for the family. But it is extremely difficult for them to manage the household costs as well as the educational costs of their children with such a small income. They need to expand their business by cultivating some other profitable crop like jute. They need some capital for jute cultivation.

Bindeswari applied for a loan from BJS (Kiva’s partner), to buy jute seeds, fertilizers and other agricultural inputs. She hopes that this new crop will support them with good earnings to cover the expenses of a six-member family. She will use the profit from her business to give a good education to her children, strengthen the family economy and purchase a tractor in the future to help with their agriculture.

She is very much glad and thankful towards the lenders.

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
  • 127
    View loans »
    India Loans Fundraising
  • $5,421,200
    Funds lent in using Kiva
  • 60.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Bindeswari to purchase seeds, fertilizers and other agricultural inputs.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 18, 2014
May 6, 2014
Currency Exchange Loss: