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Sumitra is 28-year-old lady staying with her three sons, a three-year-old and two-year-old twins. She lives in a village close to the beautiful Chilika lake; one of the biggest lakes in Odisha. Fishermen of the nearby villages are depending on this lake for their livelihood.

Sumitra got married to Debendra Jali in 2007. Like any other village folk, her husband was a fisherman who went to Chilika for fishing. Unfortunately, she lost her husband in 2011 in an accident when he went for fishing. Since then she has been working hard to support her children. She started the business of selling fresh fish and dry fish. Drying the fish is a way of preserving the fish for future use by drying them in the sun until water is completely evaporated. Dried fish has a storage life of several years. Dried fish is used in different delicacies as fresh fish is and is very popular in the region.

She buys fish directly from the local fishermen and sells some of them fresh and dries some of them to sell as dried fish. She purchases and sells 10 to 12 kg of fresh fish and 18-20 kg of dried fish by roaming door to door in the nearby villages. She earns 3500 Indian Rupees (INR) per month.

She has applied for a loan of 20,000 INR so that she can purchase the fish in a bulk amount to make more dried fish and stock up during the monsoon season. There is a huge demand for dried fish during the monsoon season as not much stock is available in the market. So, she can get a better price as well. This loan will help her increase the working capital to run her business, increasing her revenues by almost 50% giving 5000 to 6000 INR per month.

She wants to save enough to give her three children a good quality of life and send them to school. She wants to see them educated, working at MNCs and not as fishermen.

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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
  • 5
    View loans »
    India Loans Fundraising
  • $6,743,675
    Funds lent in using Kiva
  • 55.5
    India Rupees (INR) = $1 USD