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Maa Samaleswari Group
In this Group: Debaki , Eshtar , Golapi , Kia , Mithila , Prem , Premakanti , Rukmani , Sangita , Sumitra , Trbhama
Khamatarai is a small rural village in Nuapada district of Odisha, India. This village is located in one of the backward regions of India. The Samaleswari Self-Help Group was formed here by eleven poor women from a scheduled caste and scheduled tribe community who are seeking to create better lives for themselves, their families and their community. This group was formed in June 2014 to take a loan from Mahashakti Foundation for expansion of their small enterprises.

Sangita is a hardworking member of the group. She is 31 years old and married with three sons. The lady standing third from the left in the group photo is Sangita. Her children are studying in the local formal school.

Sangita has a tailoring business, along with a vegetable cultivation business. Both she and her husband manage these enterprises. She earns a monthly income of 4,000 INR, with which it is very hard to manage the domestic expenses of a five-member family along with a business venture. So, Sangita wants to increase her income by expanding her existing trades.

With the present loan, she is planning to purchase a new tailoring machine, needles, thread, lace and other necessary cloth for her tailoring unit, and fertilizer, pesticide and seeds for her vegetable cultivation farm. She hopes this investment will help her in the long run to give higher education to her children and construct a good house for her family.

The other ten members of her group are also running small enterprises such as a general store, vegetable cultivation and vending, etc.

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
  • 165
    View loans »
    India Loans Fundraising
  • $5,355,125
    Funds lent in using Kiva
  • 61.0
    India Rupees (INR) = $1 USD
A portion of Maa Samaleswari Group's $2,175 loan helped a member to purchase a new tailoring machine, needles, thread, lace and other necessary cloth for her tailoring unit, and fertilizer, pesticide and seeds for her vegetable cultivation farm.
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Aug 2, 2014
Aug 23, 2014
Currency Exchange Loss:
Sep 22, 2014