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Ashpia, only 25 years old and married, belongs to Satvendi village in the district of Jalpaiguri in West Bengal.

Agriculture has been a prime source of livelihood in India for close to 60% of the population. India has one of the world’s largest productions of paddy crops in the world. So, Ashpia and her husband are associated with paddy cultivation.

Ashpia’s family comprises her husband, Rajaaul, and her two small sons. One of the children is in grade one, and the other is too young for school. In her childhood she did not have any opportunity for education because of her family's financial stringency. She is illiterate and can sign her name only. Her husband has an elementary education.

Ashpia and her husband work tirelessly on their farmland to grow paddy. They sell their crop locally. They cultivate high-quality paddy, and selling prices are comparatively cheaper, so their customers are increasing gradually. But, the current household income is not sufficient and with the daunting responsibilities that they will face in the future to finance their children's education, it is imperative that she exploits the land for paddy cultivation.

So, in order to generate more income, they have planned to improve their business by cultivating more paddies. Ashpia is seeking a loan from BJS (Kiva's partner) for her paddy cultivation. She will use the loan to buy fertilizers, seeds, etc. She expects to reap a good profit through her loan. With her finances in place, she can expect to bring stability to her family.

She wants to give thanks to her lenders (BJS and Kiva).

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
  • 24
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 61.1
    India Rupees (INR) = $1 USD