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Panchei is a 32-year-old divorced lady living with her father and mother. Presently she works in a cashew factory as a daily laborer. She gets only 60 Indian Rupees (INR) per day which is not sufficient for her family to arrange for the basic necessities of life. Her father has a small snacks shop where he sells samosas (fried dough stuffed with potato curry), idlis (a steamed batter consisting of fermented black lentils and rice), and wadas (lentil doughnuts) from which he earns 70-100 INR per day. She wants to help her father in his business and make his shop bigger.

She has applied for a loan of 30,000 INR so that she can purchase ingredients like besan (gram flour), spices, oil, salt, potatoes, lentils etc. for making snacks in bulk. She also wants to purchase ingredients like like maida (wheat flour), sugar, dry fruits etc. for making sweets in her father's shop. Panchei says that she will resign from her daily labor work, because she thinks that she does not get paid enough for her work of 10 hours, and help her father full time in growing the snacks business.

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
  • 91
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 55.5
    India Rupees (INR) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Panchei to buy ingredients like besan (gram flour), spices, oil, salt, potato, and lentils for making snacks in her snacks shop.
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