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Maa Tarini Group
In this Group: Arati, Laxmi, Pushpa, Pramila, Beby, Bijayalaxmi, Chandrakanti, Ratani, Malati, Bimala
Bimala is the leader of a group who lives in BBC Pada of Bhawanipatna in the Kalahandi district of Odisha, India. She is a married woman who is 50 years old. She has a small family comprised of four members: her husband and two sons. The member standing second from left with her hand raised in the front line is Bimala.

She has an electrical shop where her sons repair electrical equipment like coolers, refrigerators, and fans as well as motor binding of water pumps. They also sell small gas stoves. The shop was originally started by Bimala’s husband in 1995 and now her sons are running it successfully.

The family income is about Rs 9,700 per month but it is not at all sufficient to meet even the necessary expenses. So she formed a group of 10 members in her locality and applied for a loan from Mahashakti. It is their first cycle loan. Bimala will purchase solar lights, electrical fans, iron, bulbs and other electrical materials as well as small gas stoves for the growth of her business. She has a cherished dream of being a wholesaler of electrical equipment in her locality.

The other nine members are doing vegetable vending, running a hotel, tailoring, running a fancy shop, mobile repairing, a Tiffin stall, a Tea stall, and a grocery shop.

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
  • 124
    View loans »
    India Loans Fundraising
  • $5,419,525
    Funds lent in using Kiva
  • 59.3
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Tarini Group's $4,300 loan helped a member to purchase solar lights, electrical fans, iron, bulbs and other electrical materials as well as small gas stoves.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jun 6, 2014
Jun 19, 2014
Currency Exchange Loss: