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Nilima is 32 and lives in Maynaguri in the district of Jalpaiguri. She is married and a housewife. Her family consists of her three children( one son and two daughters)and her husband. All the children are students and read in grades two, six and seven. She studied up to grade eight, but her husband Nikhil is illiterate and can only sign his name.

Nilima's husband is a rickshaw puller. A rickshaw is a kind of transport that is widely used in rural areas in India, especially in West Bengal. He carries people in his rickshaw to earn money to cover the expenses of his family's household. Very recently, the rickshaw was damaged in an accident. As a result, his income has stopped and they are facing an acute financial crisis. They thought it over and have decided to purchase one new cycle-van but lack the capital.

Nilima heard that BJS gives financial assistance to rural women and she took a loan to purchase a new rickshaw for her husband. This will allow her husband to carry on earning an income to strengthen their family's economy. She wants to buy more rickshaws to expand the business.

She and her husband give their hearty thanks to BJS and Kiva.

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
  • 173
    View loans »
    India Loans Fundraising
  • $5,192,575
    Funds lent in using Kiva
  • 58.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $225 helped Nilima to purchase a rickshaw for her husband.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
May 9, 2014
Jun 1, 2014
Currency Exchange Loss: