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Rama is a 36-year-old widow living with her two sons aged 14 and 12 years. She runs and manages a ready-made garment shop where she sells garments for women and kids. She earns 5,000 INR per month from this business but that is not sufficient for her family. Her husband died six years ago and after that she was burdened by all her family’s responsibility, so she started her garments shop two years ago.

She wants to add some other product line to her shop like cosmetics so that more of her female customers could be attracted towards her shop and she wants to renovate her shop.

She has applied for a loan amount of 30,000 INR for purchasing more garments of new trend and fashion and some cosmetic items like face cream, deodorant talc, lipsticks, nail colors etc. for her shop; and to renovate her shop.

She has a dream: to have her children study in a good school and provide them all the basic necessities of life.

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
  • $6,670,050
    Funds lent in using Kiva
  • 55.7
    India Rupees (INR) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Rama to pay for purchasing garments of new trend and fashion and some cosmetics items like face cream, deodorant talc, lipsticks, nail colours etc. for her garment shop.
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