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Kalbari Group
In this Group: Sanjulata, Gouri, Archana, Nalini
Nalini is a 38-year-old woman standing second from the left in the photograph. She resides in Bissum Cuttack in the Rayagada District of Odisha, India. The village of Bissum Cuttack is in a hilly area and is home to a number of tribal groups including one called Dongrias. In the year 2009, Nalini and three women from her village (Sanjulata, Archana and Gouri) formed a Joint Liability Group named Kalbari to take a loan from Mahashakti Foundation. Nalini has three sons, ages 22, 20 and 18. All are studying in the town college. While Nalini’s husband, Purandar, age 40, works as a driver in the local police station, his monthly salary of Rs 4,000 alone can not meet their household expenses. So Nalini decided to open a grocery shop.

For four years, Nalini has been involved with Mahashakti Foundation to expand her business and is now earning a profit of Rs 5,000 a month. She is requesting a loan of Rs 50,000 to invest in her grocery shop by purchasing rice, oil, dough, potatoes, soap, tea dust, sugar, etc. She hopes to increase her profit margin and be able to provide for her children and pay for their college expenses.

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
  • 91
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 54.8
    India Rupees (INR) = $1 USD