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Maa Tarini Group
In this Group: Bijayalaxmi, Gayatri, Puspanjali, Deepa
This group is called Maa Tarini and was formed in the year 2006. Its four members are all women from the town of M. Rampur. It is located in the district of Kalahandi, one of the poorest districts in India. One of the members of this group is Bijayalaxmi. The one standing on the extreme left with her hand raised in the photo is Bijayalaxmi. She is a 48-year-old married lady, living with her husband, one daughter age 21 and one son age 25.

Bijayalaxmi has been running a fancy store in M. Rampur for the last 15 years with the help of her husband. She sells items like bangles, talc, nail polish, clips, combs, mirrors, face cream, ribbon, oil etc. Bijayalaxmi says there is a lot of demand as it is a huge market with almost 30 villages depending on this market and that she does not have enough stock to meet the demand. She does not like saying “No” to her customers and wants to be able to give the best service to them. She now wants to buy more stock of what she is selling like bangles, talc, nail polish, clips, combs, mirrors, face cream, ribbon etc. to increase her inventory level to be able to meet the demand and seize the business opportunity. The present loan will be used by her to purchase increased stock in bulk, which will reduce her buying costs and increase her selling. She hopes to save enough from her increased revenues for her daughter's wedding.

The other three members of her group are Gayatri, Puspanjali and Deepa who run a dry cleaning business, a cycle mart and a general store business.

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
  • 3
    View loans »
    India Loans Fundraising
  • $6,681,725
    Funds lent in using Kiva
  • 55.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Tarini Group's $2,475 loan helped a member to purchase bangles, talc, nail polish, clips, combs, mirrors, face cream, ribbon etc.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
May 18, 2013
May 24, 2013
Currency Exchange Loss: