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Surveys say poverty in rural India results in continuous illness of people. 40% of their income is spent on treatment of their health issues every year. In India, including Odisha, it is found that diseases like diarrhea, cholera, worm infection, constipation and piles are outcomes of outside defecation (ODF). The data say only 7% of rural areas are covered by toilet facilities in Odisha and it is only 22% throughout India.

Kutragada is a small rural village in the Rayagada District of Odisha, India. Jyotsna, age about 34, is a permanent resident of this village. Her family is a very poor family in the "Below Poverty Line" category. She lives with her five-member family, composed of her husband; a son, age 6; father-in-law and mother-in-law. Jyotsna runs a small business stitching and selling leaf plates with the support of Mahashakti. Her husband runs a cycle repair center in front of the house. From the above two businesses, her family earns a monthly income of 6,000 Indian rupees (INR) per month. Due to low income, in spite of her concerns, Jyotsna was unable to construct a toilet for her family. So, by investing the present loan of 20,000 INR, Jyotsna is planning to construct a toilet for her house to get rid of outside defecation which results in health hazards. She wants to provide a safe and secure life as regards sanitation.

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.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About India

  • $4,000
    Average annual income
  • 100
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 55.4
    India Rupees (INR) = $1 USD