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Sheela is a 29-year-old differently-able lady living with her parents in the village of Balipatna in Odisha, India. She is engaged in the activity of making incense sticks, and she sells these sticks directly to the shopkeepers in the market. She started this business four years back when her family's economic condition was not good and her father was overburdened with family responsibility.

She has a plan to expand her business of making incense sticks by making them in large quantity and supplying them to the big dealers. She also wants to give training in making incense sticks to the girls of her village to make them self-employed.

She has requested a loan amount of 30,000 INR for purchasing glue, sticks, raw materials for covering the sticks, fragrance, wrapping bags, etc. She has a dream of running a training school for making incense sticks and supporting her father economically.

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.

About India

  • $4,000
    Average annual income
  • 73
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 53.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $575 helped Sheela to pay for purchasing glue, sticks, raw materials for covering the sticks, fragrance, wrapping bags etc. for her incense sticks business.
0% repaid
Repayment Term
44 months (Additional Information)
Repayment Schedule
At end of term
Jan 31, 2013
Feb 8, 2013
Currency Exchange Loss: