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Maa Narayani Self Help Group
In this Group: Surjymani , Jasoda , Hajari , Lalita , Bhama , Nandini , Bharati , Jhunu *, Susama, Jati , Kuni , Jhunu
* not pictured
Surjymani is 37 years old, living with her husband and four children who are studying in school. She is engaged in the activity of selling dried and fresh fish in the market which is two kilometres away from her village. Her husband catches fish from the Chilika lake which is near their village (Chilika is a famous lake in Odisha known for its migratory birds). The demand for fish in the region is very high as it is consumed by most of the people.

Surjymani makes dried fish by keeping the fish in sunlight until all water in them gets evaporated which preserves them for future use (like when fish are not available in the market, in the rainy season). Dried fish is also used as a supplement to fresh fish.

Surjymani is requesting a loan to buy a cool storing box for keeping fish, a fishing net and other insecticides to prevent fish from decaying for her fishery business. She says that this will help her in strengthening the business and responding to client demand.

This group is made up of neighbours and friends who formed the group Narayani Self Help Group (SHG). The members of the group have selected Surjymani as their president. The lady standing in the middle wearing blue in the photo is Surjymani. The common goal of the group is to expand their business activity.

Additional Information

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 People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

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
  • 100
    View loans »
    India Loans Fundraising
  • $6,146,075
    Funds lent in using Kiva
  • 52.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Narayani Self Help Group's $4,550 loan helped a member to pay for purchasing a storage box to keep fish and a fishing net.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 9, 2012
Oct 24, 2012
Currency Exchange Loss: