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Urmila is a 38-year-old widow lady living with her in-laws and a son who is schooling. She owns and manages a carpentering shop.

Urmila has hired a labourer who works for her and does manufacturing and repairing of furniture. Earlier, her husband was managing the shop and was a carpenter, but after his death Urmila took the responsibility of managing the shop.

She has applied for a loan of 30,000 INR for purchasing a mortise gauge, drilling machine kit, scriber, try square, clamps, etc., and pay for a few more work force to enhance her business and earn more money.

Urmila has a dream of providing the best education facilities to her son and fulfilling her family’s needs.

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
  • 59
    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 Urmila to purchase a mortise gauge, drilling machine kit, scriber, try square, clamps, etc. for her carpentering shop.
0% repaid
Repayment Term
44 months (Additional Information)
Repayment Schedule
At end of term
Jan 31, 2013
Feb 9, 2013
Currency Exchange Loss: