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Uma Devi Group
In this Group: Rekha, Jashu, Sima, Amanti
The name of this Joint Liability Group is Uma Devi, located at Khariar town of Nuapada district of Odisha, India. This group was formed in the year 2009 comprising four active and able women. Amanti is one of the members of this group who is standing second from the right with raised hand in the photo. She is a very confident lady and possesses a strong determination for the development of her family. She is 37 years old; living with her husband, two daughters of 16 and 14 years and a son of 10 years old in her small village named Khudpej which is seven miles away from Khariar town.

Amanti is running a tailoring center in her house with one sewing machine where she takes orders for stitching ladies' garments. Her husband has also been running an established tailoring center called Star Tailors at Khariar town for last ten years. He has engaged five workers for stitching. He is very popular for stitching of gents garments. Amanti and her husband earn a monthly income of 8,000 INR from the two businesses, which hardly allows them to manage both the family and educational expenses of the children. So they are planning to expand the business at Khariar to earn some extra income. This is the fifth loan for Amanti and from this loan she wants to purchase another machine and pants and shirts pieces for selling. She is very hopeful that this investment will help her. She hopes to give better education to her children.

The other three members of this group are Rekha, Jashu and Sima, running a tiffin center, a general store and a fruit stall 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
  • 6
    View loans »
    India Loans Fundraising
  • $6,743,675
    Funds lent in using Kiva
  • 61.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Uma Devi Group's $2,900 loan helped a member to pay for purchasing a sewing machine and pants and shirts cloth pieces to sell.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 31, 2013
Aug 10, 2013
Currency Exchange Loss: