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Santhanamullai Shg Group
In this Group: Karpagam, Sathiyavanimuthu, Nilvazhagi, Sumathi, Mekala, Nathiya, Priya, Sumathi, Susila, Kala, Senthamilselvi, Ranjani, Gomathi, Sankari, Sangeetha, Dhanalakshmi
Karpagam (27) is a married woman living in Kodalikarupur Village of Tamil Nadu, India. Her husband is a daily wage worker in agriculture fields. They have three children; all are studying in the local Government School. She is the group leader of the“Santhanamullai” Self-Help-Group (SHG), which has been receiving loans from the local NGO “People’s Action for Transformation” (PAT) for the last five years. Her group has been making on time repayments.
Karpagam (who is standing, second lady from the left with her hand raised) and her group are requesting a Kiva loan to purchase a smokeless stove from Grameen Infra, a sustainable stove manufacturer. This small loan will be repaid in easy installments.

Household air pollution from open fires kills 4 million people every year and is one of the top health risks in South Asia. The Greenway Smart Stove reduces smoke emissions by up to 70% while requiring minimal fuel (can be in the form of wood, cow dung, or agricultural waste). Most importantly the stove reduces household air pollution, preserving the health of those who use it.

The 16 group members (Including Karpagam) are thankful to Kiva lenders for giving them the opportunity to be more sustainable and save money.

Additional Information

More information about this loan

This loan enables women in rural Tamil Nadu to purchase clean cookstoves. These fuel-efficient cookstoves reduce household energy expenditures by using less wood. They also promote healthier lifestyles by limiting the toxic and hazardous effects of indoor pollution. MicroGraam’s partnerships with the non-profit organization People's Action for Transformation (PAT) and Greenways Grameen Infra have made this loan possible. By funding this loan, you are helping women in India purchase stoves that produce less smoke and use less fuel than traditional mud cookstoves, allowing for a reduction in problems related to health, deforestation and climate change. 

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 >
Additionally, this loan may be post-disbursed, in which case this borrower will only receive the loan after it has been 100% funded by Kiva lenders. Because it is difficult to predict when a loan will be fully funded, the disbursement date may have been estimated by the Field Partner and may be inaccurate by several days or weeks.

About MicroGraam

MicroGraam is a Bangalore-based, crowd-funding lending platform that aims to promote development and growth throughout India by providing underserved populations with access to formal loan capital.

In order to provide critical capital in remote areas of India, MicroGraam collaborates with various partners located across the country, applying a structure very similar to Kiva’s. The organizations currently provide clients -- most of whom are women -- with three types of loans: (1) agricultural loans, (2) educational loans, and (3) microenterprise loans.

Kiva lenders’ funds will enable MicroGraam to forge new partnerships with important social organizations, connecting more rural areas with critical access to capital.

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
  • 35
    View loans »
    India Loans Fundraising
  • $5,650,250
    Funds lent in using Kiva
  • 59.8
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Santhanamullai Shg Group's $375 loan helped a member to buy a smokeless stove.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Sep 5, 2014
Jun 24, 2014
Currency Exchange Loss: