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Sarvodaya Group
In this Group: Sannu, Sunita , Premalata, Sanjukta
Sarvodaya ("Overall Development"), a Joint Liability Group, was formed in the year 2010 by four active women of Khariar town of Nuapada district in Odisha, India. Nuapada district is known for drought and backwardness. Sunita is one of the members of this group, standing second from the left with a raised hand. She is 33 years of age and lives with her husband; one son, age 3; her father-in-law and mother in-law.

Sunita has been running a small mirror-cutting and binding unit in her house and a photo framing shop for the last five years with the active support of her husband. Her husband goes to a wholesale market 200 kilometres away twice in a month and brings back raw materials like mirrors, framing items and cardboard. In her unit, she has engaged two workers for cutting and binding mirrors of different sizes as per the orders of the traders. She supplies these mirrors wholesale to five traders from the same town and one trader from a nearby town. From this business she earns a monthly income of 6,000 to 7,000 Indian rupees (INR). With her previous loans, Sunita has taken a cabin in the heart of the town for marketing her products as well as photo framing.

This is her fourth loan and Sunita wants to purchase a photo lamination machine as well as mirrors and binding materials for the smooth running of her business. This will reduce the transportation costs and she will be able to work for a long period. She expects a good return from this investment for the total development of her business. With this extra income, she is planning to repair and renovate the cutting and binding unit she is running in a temporary shed. Sunita hopes to open a mirror showroom in the market with quality products.

The other three members of this group are Sanjukta, Sannu and Premalata. They are running a grocery shop, small restaurant and X-ray center 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
  • 6
    View loans »
    India Loans Fundraising
  • $6,743,675
    Funds lent in using Kiva
  • 52.7
    India Rupees (INR) = $1 USD

Success!! The loan was 100% repaid

A portion of Sarvodaya Group's $2,825 loan helped a member to pay for purchasing a photo lamination machine, mirrors, cardboard and binding materials.
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