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Dipika
Dipika is from the small village Bairatiguri in Jalpaiguri district. She is only 28 years old. She is married to Pradip. They are blessed with three children (one son and two daughters). Dipika studied till grade 7; her husband is uneducated, but they are providing education to all their children who are in grades 8, 6 and 3. The family is very friendly, close-knit, and all the family members have good relationships with one another.

Dipika's husband is engaged in agricultural business. His income is not sufficient to meet all the expenses of the family. Dipika is goal-driven, responsible and considerate. As an additional source of income for her family, she practices livestock breeding. She started this business five years back with an initial purchase of cattle. With her hard work and dedication she has increased her livestock and now she has one milk cow, three goats, and one buffalo. She gets earnings from the sale of milk and milk products (cheese, butter, curd, etc.)

For the purpose of further development of her business, Dipika has taken a loan from BJS to purchase a cow to enhance her business. The earnings from the business will strengthen her family economy and fulfill her dreams of giving her children a better education.

She is thankful 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 district in the state of West Bengal is severely lacking in infrastructure and is one 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

  • $2,900
    Average annual income
  • 1
    View loans »
    India Loans Fundraising
  • $4,520,000
    Funds lent in using Kiva
  • 59.3
    India Rupees (INR) = $1 USD