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Maa Sublen Group
In this Group: Kshyanaprabha, Bilash, Bhumisuta, Ban, Prema, Dukhli
This group is composed of six members from a small rural village called Barpadar in the district of Nuapada of Odisha – one of the backward districts in India, mainly known as a drought-prone area of underdevelopment.

The lady sitting third from right, raising her hand in the photo, is one of the members named Prema. She is 50 years old, living with her husband; one son, age 25; and her daughter-in-law, age 22. Prema hails from the very poor, landless, illiterate Schedule Caste (SC) Below Poverty Line category. She is running a rope-making, procuring and selling business. This is a traditional business in her community. Previously, the people of this community used to make rope from cow and buffalo skin. Due to social restrictions and progressive mindset, this has been replaced with plastic rope. These items are specially used to fasten domestic animals like cows, buffaloes, sheep and goats.

Her husband and son help Prema in all aspects of the business from the processing part to selling of the products in different weekly markets in her locality. Her entire family works 8-10 hours daily making these items. Her husband covers six weekly markets a week by using public transport and a bicycle for selling the products. Apart from this, her husband also goes collecting raw materials from different contractors and builders which is a very time-consuming task and hampers the production. In a week, her family earns 1,500 to 2,000 Indian rupees (INR) which is not sufficient to manage her family.

Prema wants to increase her income by adding some extra stock of empty cement bags and a self transport facility. She wants to have enough stock to allow her business to run throughout the year smoothly. Prema wants to utilize the present loan to purchase more stock of empty cement bags and to procure ready-made products from her locality.

Prema dreams of having a bike for transporting and marketing her products as per her own sweet will. She also wants to construct a house, as her family is living jointly in a small house.

The other five members of her group (Kshyanaprabha, Dukhli, Bandei, Bilash and Bhumisuta) belong to the same community and are doing a similar business related to rope-making and selling.

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
  • 102
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 52.7
    India Rupees (INR) = $1 USD

Success!! The loan was 100% repaid

A portion of Maa Sublen Group's $1,375 loan helped a member to pay for purchasing empty cement bags and procurement of ready-made items.
100% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 20, 2012
Oct 16, 2012
Currency Exchange Loss:
Mar 23, 2016