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Dwarsani Group
In this Group: Pramila, Jamuna, Sumitra, Kumari
In the year 2009, four rural tribal women from Baddohel village of Nuapada district in Odisha, India formed a group named Dwarsani to access a loan from Mahashakti Foundation and expand their business. Sumitra is one of them. The lady standing second from the left in the photo raising her hand is Sumitra; aged 30, she is a very poor tribal lady, and lives with her husband and her nephew. Her family belongs to a Below Poverty Line (BPL) category. People from the BPL category live on less than one dollar a day.

Sumitra has been running a general store in her small village for last 12 years. Her nephew supplements in her business. She sells general grocery items like oil, sugar, lentils, biscuits, soft drinks (sodas) and stationery such as books, pens, etc. Sumitra was able to increase the variety of items at her general store with her scanty savings and increase her cash flow.

Her monthly income from the existing business is 6000 Indian Rupees (INR). Out of this income she has been able to manage her household expenses and spent some income for construction of a small shop cabin. As per the statement she was able to increase the variety of items in her shop but not the inventory. She wants to increase stock of her business. So the loan amount will be utilized to purchase items like lentils, oil, dal, soap, biscuits, potatoes etc. in bulk for her general store. This will help her to reduce her purchasing and transportation costs as she will replenish her stock less frequently. Sumitra hopes to save enough for building a good house for her family as the present house is very small and congested.

The other three members of the group are Pramila, Jamuna and Kumari who are running a tyre repairing center, a general shop and a goat business 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
  • 75
    View loans »
    India Loans Fundraising
  • $6,089,250
    Funds lent in using Kiva
  • 59.6
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Dwarsani Group's $2,225 loan helped a member to buy lentils, oil, dal, soap, biscuits, potatoes, etc.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jun 19, 2013
Jun 28, 2013
Currency Exchange Loss: