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Maa Santoshi Shg Group
In this Group: Jhuna, Sabitri, Geli, Sukumari, Sarojini, Nirmala, Minati, Mamata
Jhuna operates a food stall/restaurant selling soft drinks, snacks, and breakfast. Jhuna has been involved in this business for more than seven years. The main hardship that Jhuna faces in her business is the lack of capital. She is requesting a loan to purchase materials to maintain the refreshment stall (Small bar with coffee, tea, soft drinks, fast food).

Jhuna is 32 years old and has two children. The lady standing with her hand raised is Jhuna. Jhuna is the group leader of the Maa Santoshi self help group, which consists of eight members. She lives and works in the small village of Nayagarh district, a rural area in Odisha state, India.

In 2013, Jhuna joined People's Forum to improve her business. This is the first loan for Jhuna with People's Forum.

With her business profit, Jhuna hopes for her business to do well, for her children to find a good school, and to be able to buy more supplies and equipment for her business.

Additional Information

More information about this loan

This loan is designed for single mothers, widows and unmarried women, who are often excluded from Self-Help Groups in India. Many of these women, usually with families to support, do not have access to microfinance and often work as casual labor or domestic help. Self Help Groups are hesitant to accept them due to the social stigma attached to their status and very few microfinance organizations offer loans to individuals. By supporting this loan, you are enabling a poor woman in India to establish or grow her business.

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 People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

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
  • 34
    View loans »
    India Loans Fundraising
  • $5,654,350
    Funds lent in using Kiva
  • 58.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Santoshi Shg Group's $2,475 loan helped a member to purchase materials to maintain the refreshment stall.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 30, 2014
Jun 24, 2014
Currency Exchange Loss: