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Jagabalia Self Help Group
In this Group: Pragati, Smita, Rebati, Namita, Soudamini, Priyadarshini, Sasmita, Kunia, Khulana, Mita, Sumitra, Smrutirekha, Kamali
In 2006, 13 women from a village stepped out and formed a group named Jagabalia Self Help Group in Odisha. They help each other, share their problems and solve them together. They are celebrating their festivals together in their village.

Namita, leader of the group, has one cow. The lady standing fourth from the left in the photo wearing a red and black colored sari is Namita. She wants to purchase one new cow so that she can sell the milk in large amounts. She provides vaccine and fodder to them when it's required. She sells the milk in her village with the help of her husband. Every morning, she takes the cow to graze in the fields and returns by noon. Then she cooks for her family. She resumes taking care of her cow by feeding it at home. Her husband assists her in selling the milk and maintaining the cow. In this way, she is earning to control her cash flow, which is not sufficient to manage her daily activities.

She wants to enlarge her business, so she wants to purchase one more cow. In this way, she can earn a good amount after all the expenditure of her business.

She has requested a loan of 195,000 INR for her group so that they can earn more and control their family's cash flow.

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
  • 5
    View loans »
    India Loans Fundraising
  • $6,743,675
    Funds lent in using Kiva
  • 55.0
    India Rupees (INR) = $1 USD

Success!! The loan was 100% repaid

A portion of Jagabalia Self Help Group's $3,550 loan helped a member to purchase a cow for her dairy business.
100% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 31, 2012
Nov 19, 2012
Currency Exchange Loss:
Mar 23, 2016