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Chinmayee Group
In this Group: Amita, Tilotama, Sumitra, Bulilata
Amita, aged about 32 years, is the group leader of a four-member group from Rental Colony, Baramunda of Bhubaneswar, Odisha, India. Her family comprises four members: her husband, one son and one daughter of 12 and 6 years respectively. The member sitting second from the right in front of the sewing machine is Amita. At present, she is sewing dresses for ladies for the last two years and became a ladies’ tailor master in her locality. She is a very active lady who wants some extra income out of her own efforts.

Amita’s husband is assisting her to run the business smoothly by taking thread, blouse piece, clothes, etc. At present, her family income is Rs. 5,000 per month, which is not sufficient to maintain the family.

To improve her living condition and to earn some extra income, she wants to avail a loan from Mahashakti. From the loan amount, she will purchase a sewing machine and stitching materials in bulk quantities. She has a dream to increase her business, stitch readymade dresses, supply them to the market and educate her children in a better school.

The other three members of her group are Tilotama, Sumitra and Bulilata, who are running a saree shop, tea shop and tailoring unit respectively.

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
  • 120
    View loans »
    India Loans Fundraising
  • $5,421,575
    Funds lent in using Kiva
  • 61.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Chinmayee Group's $925 loan helped a member to purchase a sewing machine and stitching materials in bulk quantities.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Aug 5, 2014
Aug 8, 2014
Currency Exchange Loss: