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Jemamani is a 39-year-old differently abled woman living with her mother, elder brother, and sister-in-law. She has a goat farm in which she currently has 10 goats. She purchases goat kids and sells them for meat to the local butcher shops when they grow. It takes 8 to 9 months for her to raise and sell them. She goes out in the morning to leave the goats for grazing in the fields and returns by noon. She then helps her sister-in-law in the household activities and then resumes taking care of her goats by feeding them at home. Her brother assists her in selling and maintaining these goats. In this way, she is earning to control her cash flow, which is not sufficient to manage her daily activities.

She says that there is a lot of demand during the months of April-July and October-December, the auspicious time for Indian weddings. Currently, she is not able to meet the demand during these months and other peak demand times. She wants to take a loan of 30,000 INR to purchase some more goat kids to be able to sell more and seize the opportunity during this peak demand period, as well as to construct a shelter for the goats to protect them from the rain.

Additional Information

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 People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

About India

  • $4,000
    Average annual income
  • 3
    View loans »
    India Loans Fundraising
  • $6,677,075
    Funds lent in using Kiva
  • 55.3
    India Rupees (INR) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Jemamani to enhance her business and to construct a shelter to protect her goats from the rain.
100% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 26, 2012
Aug 15, 2012
Currency Exchange Loss:
Mar 5, 2016