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Jay Mohaveer Self Help Group
In this Group: Bini , Kuntala , Reena , Reenabala , Kamalini , Santilata , Mani , Sachala , Amara , Sukanti , Jema , Kuntala
Bini is a 50-year-old lady who has three children. The lady sitting in the middle, wearing a blue saree, is Bini. She lives in the Tangi village of Odisha, India, with her husband and her children. A few years back, she started a business making and selling flour, such as wheat flour, maize flour, gram flour, lentil flour, rice flour, etc. She makes these flours with the help of grinders. She makes a variety of flours depending on the demand for flour in the market.

Bini is requesting a loan of 216,000 Indian rupees (INR) to buy more supplies such as wheat, maize, grains, etc. With this investment, she will expand her business so that she can generate more income and improve the quality of life for herself and her family. She is in a group of 12 members, all women who live in the same community. They named their group "Jay Mohaveer Self Help Group" (named after Lord Mohaveer, who they believe will protect them). They are situated in the Khurda district of Odisha, India.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About India

  • $4,000
    Average annual income
  • 91
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 55.9
    India Rupees (INR) = $1 USD

Success!! The loan was 100% repaid

A portion of Jay Mohaveer Self Help Group's $3,875 loan helped a member to pay for purchasing wheat, maize, grains, lentils, etc., for making flour.
100% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Aug 18, 2012
Sep 11, 2012
Currency Exchange Loss:
Mar 16, 2016