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Dilip is a 31-year-old physically challenged person staying in a village with his father, age 60, and his wife, aged 23. He has eight goats and two cows that his wife is taking care of.

Because of their poor financial condition, he is begging in the market square by using his tricycle. By begging he is getting 1200 INR, which is very difficult to manage his family.

He wants to start a business, but because of his low income, he is not able to do so. He has requested a loan of 15,000 INR to start a grocery shop with Indian street snacks like Jhalmuri (prepared from puffed rice, boiled potato, tomato, sprouts, onion, chilli, salt). He will roam around on his tricycle on the busy streets of the market and sell Jhalmuri. It will help him to earn a good amount, which will help to control his cash flow. He hopes to provide a better life for his family and educate his children.

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
  • 117
    View loans »
    India Loans Fundraising
  • $6,155,000
    Funds lent in using Kiva
  • 55.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $275 helped Dilip to buy puffed rice, potatoes, tomatoes, sprouts, spices, etc. to make Jhalmuri.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Aug 31, 2012
Sep 13, 2012
Currency Exchange Loss: