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Jai Durga Group
In this Group: Sanju, Sarmistha, Haripriya, Pira
Pira, a 48-year-old married woman, lives in Bhawanipatna of Kalahandi District in Odisha, India. The lady sitting in the front with a raised hand is Pira. She lives with her six-member family comprised of her husband; four sons, ages 30, 28, 25 and 20; and one daughter, age 22. She is a very energetic, hardworking and enthusiastic person who always devotes her time to getting her family ahead.

Pira herself has been running a general grocery shop for nine years to maintain her family. Initially, she started the business with a low profile selling limited items like potatoes, soap, sugar, tea dust, tobacco, chocolates, etc. Gradually she expanded her business and added extra items regularly. Apart from this, her two sons have two barber shops and the other two sons are working at other barber shops on a daily wage basis.

In the year 2010, Pira and three other women of her locality formed a joint liability group named Jai Durga and took out a loan from Mahashakti Foundation for the development of their businesses. This is the second loan for her group.

With the first loans, Pira has been able to add some grocery items like dough, oil, spices, etc. Now she is earning 300 Indian rupees daily from her business – which is very scanty to manage her big family. To add some extra income, Pira wants to add soda and cold drink items to her shop. So, with the present loan, she has planned to buy a refrigerator and cold drinks along with other merchandise to increase her sales and income for her overall development. Pira hopes to build a permanent house for her family and get her sons and daughters married off in a respectable manner.

The other three members of the group, Sarmistha, Sanju and Haripriya, are running a tailoring center with tent house, a dry food and tiffin hotel, and a welding center respectively.

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
  • 39
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 53.9
    India Rupees (INR) = $1 USD