A loan of $350 helped to buy groceries for her store.

Januka Malla's story

Januka is 40 years old and is married with one child, aged 21. In 2000, she established her grocery store business and by working seven days a week, 12 hours a day, she supports her family. She has already received and successfully repaid six loans from Patan BPW and used her most recent one to buy groceries for her business.

In the future, Januka plans to improve the financial situation of her family and she thanks you for your support. In the Kathmandu Valley where she lives, small grocery stores, called pasals, are an important part of the local economy. Fresh produce, milk, and staples such as rice, lentils, and flour are purchased daily for cooking in the home. Owners of small grocery stores use Kiva loans to increase their purchasing power and profit margins. By keeping their inventories strong and purchasing in larger amounts, owners of these small stores are able to increase profitability. While a typical pasal might be no more than 100 square feet, they are always full of bargaining customers, incoming produce, and shrewd businesswomen.

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