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Agni Gangamaa Group
In this Group: Aralu, Basuki, Dhanamani, Dullama, Punein, Hema
Dhanamani is the leader of a group and lives in Muniguda of Rayagada district of Odisha, India. She is a married woman of 40 years. She has a small family comprised of three members, herself, her husband and one son aged 21. The member seating third from left with raised hand is Dhanamani.

Like most families in the village she has been managing a small fruit business in her village. Her husband helps her in the business by going to different markets at nearby villages. She has already accessed four loans and this is her fifth loan cycle.

At the time of accessing the first loan her husband used to go to weekly markets in nearby villages for selling vegetables. Out of their small income they are maintaining their family in a low profile. To improve her living conditions and to earn some extra income Dhanamani accessed loans one after the other for four times. At present her monthly income is about Rs.7,500 from her fruit business, which is not sufficient to lead a better life. So, she wants to take a further loan to purchase fruits and vegetables in large quantity for wholesaling. She has a cherished dream to have a permanent stall in front of her house.

The other five members of the group are also doing the same business.

Additional Information

More information about this loan

Mahashakti Foundation focuses its work in some of the most underdeveloped districts in Odisha, characterized by poor infrastructure and high levels of poverty. By supporting this loan, you are enabling access to finance for women living in some of India's poorest and most remote areas.

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 Mahashakti Foundation

Mahashakti Foundation is a public charitable trust that provides microfinance and development services in the low-income state of Odisha. Operating in the poorest region of India, the organization strives to serve rural communities, tribal groups and others living on less than USD$1 a day. In addition to microcredit, it also provides micro-savings and micro-insurance products, as well as business development, health, water and sanitation, and food security services.

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
  • 210
    View loans »
    India Loans Fundraising
  • $5,212,200
    Funds lent in using Kiva
  • 59.3
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Agni Gangamaa Group's $3,250 loan helped a member to purchase fruits and vegetables in large quantity for wholesaling.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jun 6, 2014
Jun 16, 2014
Currency Exchange Loss: