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Maa Banji Buten Group
In this Group: Nirupama, Surekha, Tulasi, Gomati
Surekha is standing at the extreme right in the photo with a raised hand. She is 35, a resident of the village of Padampur in the Nuapada district of Odisha, India. Vegetable cultivation and vending are the main work of most of the families of this village. Surekha is a married woman and is the mother of three daughters, age 16, 14 and 12, and one son, age 4.

Surekha, together with her husband, manages their own household while operating the business. Currently, she is working hard to continuously provide income for their day-to-day expenses.

Surekha operates a vegetable growing farm with her husband. She grows vegetables like brinjal, cauliflower, carrots, cabbages, chilli, ladies finger, etc., on their farm located in the same village. She sells her products wholesale to the traders of the nearby market as well as to the local community. She earns a minimum of 300 INR per day. Apart from vegetable farming, she has a small general grocery shop in her house to add some extra income to her family.

In the year 2009 Surekha, with other three women of her village, formed a group named “Maa Banji Buten” and the group has already taken three loans from Mahashakti Foundation to help continue their businesses. This is their fourth loan and Surekha will use a part of the present loan to buy fertilizer and farm inputs like seeds and pesticides. The rest will be used for purchasing grocery items like potatoes, onions, sugar, tea dust, etc. She expects a boom in her income as she expands her businesses.

Surekha has a dream to give her whole family a good future through her hard work. She also dreams to procure some assets for the marriage of her daughters.

The other three co-members of her group are Nirupama, Gomati and Tulasi. The have an auto-repairing center, a general grocery shop and a vegetable cultivation business.

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
  • 86
    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 Banji Buten Group's $2,300 loan helped a member to pay for purchasing of fertilizer, pesticides, seeds, etc., as well as items for her grocery store.
100% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 20, 2012
Oct 17, 2012
Currency Exchange Loss:
Mar 23, 2016