Total loan: $275


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Falakata, WB, India / Agriculture

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A loan helped to purchase one dairy cow for her business.

Sandhya's story

Sandhya is a 24-year-old independent woman from Falakata, in the state of West Bengal. She stays with her husband and one son in their own small house. Her husband is a driver by profession. He has no regular income and it is not always possible for him to raise all the household costs. That's why it is crucial for Sandhya to earn a living for herself and her family. Her son is an infant and has not started going to school. Apart from managing household chores and looking after her kid, Sandhya also runs a cattle rearing business. Due to the irregular nature of her husband's occupation, she started this small-scale micro-enterprise by purchasing one milking cow a few years ago. She earns close to half of her family's total income, and she has become an important earner for the family. Since there is a consistent demand for cow milk in her village, she sees this as an opportunity to flourish and wants to scale up her business by buying a new cow. This venture will require her to shell out a lump sum. Sandhya, who lacks funds, seeks a loan from BJS, a Kiva partner, to fulfill her purpose. This loan will help her increase her savings and secure her future. She desires to construct a concrete house for the family. Sandhya is very much grateful to BJS and Kiva.