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Maya Rani
Maya lives in Dhupguri in Jalpaiguri district with her husband and two children (one son and one daughter). She is 57 years old and has a primary education. Her husband Paresh is a 58-year-old farmer who studied up to grade eight. One of their children is a university student. They live in their own kachha house (made of straw, mud and bamboo).

Maya's husband has an agricultural farm where he grows different vegetables in different seasons. He is visionary and focused. He has been involved in this business for the last 10 years. He struggles hard to grow good quality vegetables to satisfy his customers. His land is very fertile and productive. Maya is also a hardworking and energetic lady. They need to expand their agribusiness but the main obstacle is capital.

So, Maya has taken a loan from BJS (Kiva’s partner) to cultivate ribbed gourd on their farmland. She wants to use the loan to purchase seeds, fertilizers and other necessary agricultural inputs to start the cultivation. She has chosen this crop as there is a high demand for this crop in their locality.

Her goals are to strengthen their family business and economy.

She thanks her lenders for helping her by giving her the loan.

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
  • 165
    View loans »
    India Loans Fundraising
  • $5,355,125
    Funds lent in using Kiva
  • 60.0
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $225 helped Maya Rani to purchase seeds and fertilizers for cultivation of ribbed gourds.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jun 11, 2014
Jul 4, 2014
Currency Exchange Loss: