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Jibanajyoti Mahila Shg Group
In this Group: Samima, Mansura, Mami, Jayanti, Sara, Mamata, Sumitra, Sula, Jema, Jayanti
Samima is a 46-year-old widow who has two children. She lives with her parents-in-laws and her children in a small village in the Khurda District of Odisha, India. Samima is a housewife who is very happy and responsible. She alternates her household activities with work in her business. She has a business of growing vegetables and paddy and selling them in the market of the Khurda district of Odisha, India. She has had this business for eight years and it is going very well.

At this time, Samima is requesting a loan to buy fertilizers, seeds and new and advanced tools for farming. She says that this will help her in strengthening the business and responding to client demand. This group is made up of neighbors and friends who formed the group "Jibanajyoti Mahila Self Help Group". The members of the group have selected Samima as their President. The lady standing with her raised hand is Samima. The common goal of this group is to increase their business activity.

Samima and her group members are very happy with this loan and grateful to Kiva for this kind support.

Additional Information

More information about this loan

This loan is designed for single mothers, widows and unmarried women, who are often excluded from Self-Help Groups in India. Many of these women, usually with families to support, do not have access to microfinance and often work as casual labor or domestic help. Self Help Groups are hesitant to accept them due to the social stigma attached to their status and very few microfinance organizations offer loans to individuals. By supporting this loan, you are enabling a poor woman in India to establish or grow her business.

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 People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

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
  • 37
    View loans »
    India Loans Fundraising
  • $5,640,525
    Funds lent in using Kiva
  • 60.0
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Jibanajyoti Mahila Shg Group's $2,500 loan helped a member to pay for fertilizers, seeds and tools for farming.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 3, 2014
Jul 18, 2014
Currency Exchange Loss: