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Jay Jagannath Group
In this Group: Hingula, Bidyut Damini, Damayanti, Alladini
Jay Jagannath group (named after the adorn Lord of Odisha) is located in Chhatapipal, a rural village of Bolangir district of Odisha, India. This group consists of four women who belong to the BPL (Below Poverty Line) category. People from the BPL category live on less than one dollar a day. Alladini, standing at the extreme left with raised hand, is the featured member of the group. She is 35 years of age and lives with her husband, two sons aged 10 & four, and three daughters of 15, 13, and seven, who are studying in the village school.

Alladini is running a video shooting and photo studio at her village in a temporary house with the help of her husband and brother. She has a computer system, a digital still photo camera, and a normal video camera for her business. Apart from this she also sells milk from one cow. Alladini mainly works in her field and looks after the cow.

Her husband and brother go to villages as per the order for video shooting from which in the regular season (from June to September) they earn 2000 Indian Rupees (INR) per month, and in the festival season (from October to May) they earn 5,000 – 8,000 INR per month. From the milk business she gets a monthly income of 2,000 INR.

As Alladini has a big family consisting seven members, she faces a lot of problems managing her family expenses. Therefore she is planning to add some extra income to her family. By utilizing this loan she will purchase an advanced video camera and a cow to add to her income. Alladini has also a strong determination to finish her half-constructed house as soon as possible for her residence and photo studio.

The other three members of her group Hingula, Bidyutdamini and Damayanti are doing tailoring, cycle repair, and a grocery shop respectively.

Additional Information

More information about this loan

Mahashakti Foundation focuses its work in some of the most underdeveloped districts in Odisha, characterized by poor infrastructure and high levels of poverty. By supporting this loan, you are enabling access to finance for women living in some of India's poorest and most remote areas.

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 Mahashakti Foundation

Mahashakti Foundation is a public charitable trust that provides microfinance and development services in the low-income state of Odisha. Operating in the poorest region of India, the organization strives to serve rural communities, tribal groups and others living on less than USD$1 a day. In addition to microcredit, it also provides micro-savings and micro-insurance products, as well as business development, health, water and sanitation, and food security services.

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
  • 22
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 55.4
    India Rupees (INR) = $1 USD