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Sanjaya Kumar
Sanjaya Kumar is a physically challenged person aged 30. He lives with his parents, 3 brothers, his wife aged 28 and his only son aged 2 years. Sanjaya has been managing a variety shop for 12 years in his village. His shop is 800 metres from his home. His brothers are helping him to purchase the goods for his variety shop. He sells betel, packaged food (like biscuits, cakes, etc.), soaps of different brands, detergent, shampoo and fashion accessories (like talc powder, face wash, body lotion, etc.). Because his is the only variety shop in his village all the villagers are depending on his shop, but he cannot meet the customers' demand.

Sanjaya requested a loan of 25,000 INR to purchase a refrigerator so he can sell cooled soft drinks and to add some goods in different brands from what he sells now. And he wants to add some new varieties of products like cooking oil, lentils, noodles, etc. He hopes to make his family happy and provide better education by sending his son to a good school.

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
  • 0
    View loans »
    India Loans Fundraising
  • $6,681,725
    Funds lent in using Kiva
  • 55.7
    India Rupees (INR) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Sanjaya Kumar to pay for purchasing betel, packaged foods (like biscuits, cakes, etc.), detergent, shampoo, fashion accessories and a refrigerator for cooling soft drinks in his variety store.
100% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Aug 31, 2012
Sep 9, 2012
Currency Exchange Loss:
Mar 16, 2016