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Laxmi is from Maynaguri. She is 39 years old. She is married and has three children (two sons and one daughter); two of them are in school, and the other one is grown up and works as a laborer on a daily-wage basis. They live in the small village of Tekatuli in Jalpaiguri district.

Laxmi didn't have the opportunity for higher academic education because her parents could not afford it due to poverty. Laxmi studied till grade 9, and then got married to Prafulla, aged 49 years.

Laxmi's husband is a farmer. His father taught him to work in agriculture at a young age. Every morning he would go out with his father to work. He helped his father grow different kinds of vegetables, mainly bottle gourds. Now he concentrates on the cultivation of bottle gourds only, as they have a high demand among the villagers for their low price and nutritious value. He wants to cultivate more in a larger quantity.

So, Laxmi is requesting a loan from BJS (Kiva's partner). She will invest this loan in buying seeds, fertilizers, etc., to grow bottle gourds. The other part will be to buy the inputs to take care of the crop until it bears fruit.

She has a great desire in life. Laxmi plans to buy all the necessary school supplies so that her son and daughter won't have problems in their studies and can pass without any problems. Laxmi knows she can achieve this with the help of his loan. She also hopes that through the profit of the business she can overcome the hurdles and will be able to give the family a financial upliftment.

She appreciates the financial help of her lenders.

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
  • 159
    View loans »
    India Loans Fundraising
  • $5,194,825
    Funds lent in using Kiva
  • 60.8
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $175 helped Laxmi to purchase farm supplies to grow bottle gourds.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 28, 2014
Aug 25, 2014
Currency Exchange Loss: